milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, XXXX ), Early Warning, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that  XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have previously tried to resolve this issue, of unauthorized inquires on my credit report, with Experian. I contacted Experian over the phone and was told that there was nothing they could do and I would have to contact the creditors. I contacted the creditors and filled another disputed with Experian, with attached letters of the creditors stating they have no records of me. I mailed this letter certified mail. USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX stating it was delivered to Experian on XX/XX/XXXX. Experian has failed to respond in the allotted 30 day time frame required by the FCRA. Therefore according to the FCRA the disputed items have to be removed immediately. The UNAUTHORIZED inquires are listed : XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX Furthermore I have attached a letter from XXXX XXXX stating I am not in their files and the inquiry should be removed. I have attached a CFPB response from XXXX stating I am not in their records and the inquiry should be removed. I have tried to contacted XXXX XXXX   through a certified letter ( delivered XX/XX/XXXX ) in which they failed to respond to. I also opened up a CFBP complaint ( XXXX ) in which they have not responded in the allotted time so I can only assume they also do not have me in their records since this an unauthorized inquiry. I have attached a certified letter to XXXX  ( deliveredXX/XX/XXXX) to which they have not responded. Again only assuming they have no records of me.

I request that you immediately delete this information from my credit reports. To continue to report these inquires on my report would be a violation of the FCRA of unverified and inaccurate information. Please do not tell me it will take 30 days I know it does not take that long and I have provided you proof from the creditors themselves that this information should not be reported. Thank you for your prompt attention to this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: During the month of XXXX, I mailed a payment postmarked XXXX XXXX. The bill was due on XXXX XXXX. This is an automatic payment. I reviewed my account online, and I am being billed for a late fee. Looking into the check that was sent with my bank, my bank shows that it was cashed in time to meet the due date. I contacted Goodyear, and they are refusing to adjust their record to remove the late fee, or change the status of their credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This complaint is in regards to following accounts on my credit report. 

1. XXXX XXXX 2. XXXX XXXX XXXX I disputed the validity of these accounts and asked for actual physical documentation concerning these accounts or have removed from credit reports since unable to verify. I waited more than 30 days which per FCRA law, that is the time frame needed by a credit reporting agency to conduct a reasonable investigation. After such time, if unverified, disputed accounts must be removed from consumers credit report. Not only did these accounts remain as accurate, but I also received no documented proof such as : Signed contractual agreement HIPPA signed authorization form If this account was truly verified, then please send me the following ; entire process and policies implemented to ensure only accurate information is reported on my credit report. 

Who conducted such investigation and what documentation was received. 

Verification method used to verify these accounts Statement explaining why my request to receive valid proof and all documentation pertain to this account was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX placed multiple accounts into collections without ever sending me a statement of services rendered. They turned the accounts over to collection agencies who apparently sued me for the debts. I never received notice from the collection agency that they were taking legal action, nor was I ever served by the courts regarding the date time and location of the trial.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has refused to release my much needed insurance claim funds that are required to repair my fire damaged property. Have spoken with countless agents in the Loss Draft Department and managers in the corporate Customer Service Department only to be given a further run around. Nationstar has held on to these funds for over a month now without releasing any funds for the remediation of my property. Had been told that the reason they ca n't release the funds to me is because the state of Virginia where I live requires a licensed contractor to do the repairs. Title XXXX in the code of Virginia allows for Homeowners to repair their properties without the need for a contractors license. This has been a very horrendous experience and definitely is a bad faith and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Billing disputes

Complaint: Good Afternoon, My complaint is with Wells Fargo Bank and payment recording policies on XXXX. During the last ( XXXX ) years I have paid from the same Bank ( non Wells Fargo ) never late ; However, when I pay my balance in full they apply a hold on the account. Most recently, on XXXX XXXX I paid {$3300.00}, which posted from my XXXX financial account on XXXX XXXX 2015 ; consequently ; As of XXXX my founds are still on hold while Wells verifies my account. As mentioned this is the third time I have been declined at time of purchase to make aware of issue. I believe further investigation will show my average daily balance and interest may be affected and if this practice is policy for millions of customers, this is unfair. I have previously had XXXX XXXX XXXX information verifying this is my account. I have asked Wells to state what amount triggers the Hold and I was informed they can not disclose. So basically, they pick and choose which payments go on Hold and post in XXXX hours. I made other payments from the same account in XXXX that have posted. My funds were deducted on XXXX days ago and unavailable. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: After Gap company and insurance company paid off balance of the car the finance company add {$490.00} to the remaining balance that Gap company did pay/wave off. It was about {$1900.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no  avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another XXXX in XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification )

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with National Credit Systems,Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is reporting a negative account on my credit report, and we don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. And the debt is result from identity theft. 

I tried resolving the issue with XXXX on XXXX, and XX/XX/XXXX. Also, I sent the company a letter o nXX/XX/XXXXasking for a legal contract and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Federal student loan debt) with GRANITE STATE MANAGEMENT & RESOURCES (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle lease) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: Paid off lease to setf for my leased vehicle with check on   XXXX    .   SETF took another auto payment  on XX/XX/2017 . Tried i n vain to contac t SETF bo th via phone and online. No human responded, but redirected to website. No help there.   I have, of course, stopped the auto payments ... but would like a response from SETF on whether or not this was a double payment on this lease. I would like a payout reckoning from this company to ascertain the exact amounts of final payments reconciling total monthly withdrawals and payoff amount.   Worst customer service ever! Can you assist?   Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: We traded in our vehicle and contacted the holder of the loan which was Key Bank to cancel an upcoming auto debit payment and all future payments since we were no longer the owner of the mini-van. We did so days in advance and received a cancellation code, and were assured the payment would not go through. We had to take money out of our account for the new vehicle and I had bills to pay the coming week. They still took out the payment, which took my account down so far, that I was unable to buy food for the week, and has made several other bills late. When we called Key bank they gave us the runaround that the person we spoke to was not available and that we have to wait five days for the money to be refunded. This is unacceptable on several levels. We cancelled in enough time and received a cancellation code, and were reassured by a supervisor that it would not come out of our account. My wife and I have spent hours on this between excessive hold times and poor customer service. When we asked for the supervisor 's full name, the girl said that they do not give out full names. When calling we have a right to know the identify of the person we spoke to especially since they make us go through excessive security identifiers. This is very unprofessional and when we told them we need our money back now, it is preventing us from paying our bills, they did not care, and said " we are sorry you feel that way ''. To me, this why the CFPB exists and needs to step in. We need more than our money back at this point. My XXXX was racing when I saw the money come out of our account, and after hearing from my wife that they will not refund the money as quickly as they took it out, that I nearly had to go to XXXX XXXX with a XXXX XXXX. This is an unfair practice under the CFPB. I have suffered financial harm, it was not avoidable since we did our due diligence in cancelling with back up evidence of the cancellation, and this was not for reasons of competition, and the bank does not care what damage this is doing to us, by their attitude when we have called. We need some type of financial restitution, and being a bank, they need to be investigated for their practices. We looked into this bank and they have a number of consumer affairs complaints and get " a single star ''. This should give a glimpse into how good this bank is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged to me ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company incorrectly read a bill from our Home Owner 's Insurance Policy prior to closing. They " thought '' it was paid but never called either us as the borrowers or the insurance company to confirm that there was a zero balance. They never asked for confirmation of the payment. They then wrote our contract to reflect that the insurance was paid prior to closing and did not collect the premium during closing. It was never explained to us that this was happening. We were unaware until after closing when our Insurance company started sending us letters letting us know that this was not paid there was an issue. We called the mortgage company to see why it was n't paid and it was at that time ( almost a month later ) that we were advised of this. They refuse to adjust our escrow so that we can pay the insurance monthly, tried to make us take force insurance which is 4 times higher then our XXXX XXXX policy, and refuse to admit their error or assist us in any way. They were sent multiple bills from the insurance company that they did not follow up on and from the beginning we were advised that they would be taking all insurance and taxes out of escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Winklevoss Exchange LLC (NY).
Issue: Money was not available when promised

Complaint: XXXX, the crypto currency, has locked the availability of Etherium after I made a purchase. its been almost a week and, like XXXX of others, i am unable to transfer or trade my currency. They have no customer service so I am left without options. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation