milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: There is no easy way to talk to someone in regards to phone payment. The IVR System does not allow for direct contact with a customer service agent and forces the XXXX XXXX Payment option on the caller with no discernible way around. This format does not allow a greater payment to be made onto the loan account and does not allow the customer to interact with an agent, should additional questions around payment date application and debit from account dates arise. 

In addition, there is a .5 % discount for auto-payment through a Regions Deposit account, which must be signed on for at the beginning of the life of the loan. As I was signed up for this loan through a dealer and not a Branch, this was not offered to me, creating a .5 % discrepancy in the price of the total loan balance.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid off in full and I guess there was a remaining balance of 70 something dollars and when I was informed I paid off in full they put it on my report I spoke to them they said it was a mistake it shouldve been removed account was paid off for years early I spoke to them on several occasions they promised me that it would in fact be removed

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: I have a US Bankruptcy being reported against my Social Security number on my Transunion report. On XXXX XXXX, XXXX I in fact called the Office of the Clerk of the Bankruptcy Court in XXXX, Pennsylvania where TransUnion is stating this information is being reported to them from. 
I was informed at that time that the US Bankruptcy Court for the XXXX District of Pennsylvania Does NOT provide information regarding case filings or dispositions to the credit reporting agencies. Bankruptcies are public records and the credit agencies have 3rd parties collect this information for them. 
After speaking to a customer service speacialist today, XXXX/XXXX/XXXX, XXXX. I in fact was finally admitted the truth that TransUnion does indeed use XXXX XXXX to obtain this information. XXXX XXXX is a " for-profit '' company that sells the information to the credit bureaus, all calls to Transunion are recorded and this call and information can be retrieved by either you, the CFPB, The Attorney Generals Office, or my own personal attorney if need be. The phone call happened between XXXXXXXX XXXX through XXXXXXXX XXXX. This is a serious violation of the FCRA to report false information. By reporting the information on my credit report as getting it from the court itself, when it was actually obtained from an " unnamed '' XXXX XXXX, is easily considered " false information '' on my credit report. 
Furthermore, when I last disputed this with Transunion, they went as so far to send a letter back stating that they did " veryify '' the information with the court! Again, this is a complete and blatant lie. I am very well aware that Transunion uses XXXX ( online solution for complete and accurate reporting ) that automatically checks with XXXX XXXXs. Its very hard for XXXX XXXX to verify my information when I have had a security freeze placed on them since XXXX XXXX, XXXX. 
Lastly, It is very compelling to me, other than the bold lies, why both XXXX and XXXX ( the " mother '' reporting agency ) admitted their ignorance in reporting this false and remove it quickly, please see attachment, XXXX on or around XXXX XXXX, XXXX and the " mother '' credit bureau, XXXX on XXXX XXXX, XXXX yet Transunion wants to repeat its lies even though I have the proof and am willing to go to court over this issue and present a lawsuit.

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 06/30/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have not done business with JH portfolio. I do not have a signed contract not any contract with JH portfolio.I have the right to demand to see a signed contact between  JH portfolio an d myself.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a notice from ProtectMyID that I had activity on my credit report. Upon accessing the expirian site and viewing my report I sa w 2 discrepancies but do not know if they are related.    The first issue is a hard credit inquiry from  CBNA  on   XXXX    . I did not authorize this and I am currently not seeking credit of any kind. The   XXXX   site did not give means for addressing this and did not give contact other than a    XXXX   XXXX   .      The second issue regards an address in WV. I 've never lived in WV and I have an open dispute on that right now. However the dispute is only with experian and I need to have that address disputed with the other creditors as well.

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 05/20/2015 about Debt collection (I do not know) with Asset Management Professionals, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: debt collection claims a debt from 2004. Is unable to state the source or the original amount. The were requested to stop phoning and to contact only by mail and to produce a copy of the original debt. Also the failed to provide a licence number for debt collection as per arizona law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Syndicated Office Systems has not removed this debt on my credit report which was paid through my settlement by my attorney. I want it removed from my credit report. It seems Syndicated Office Systems has a habit of doing this to individuals.

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 10-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted TransUion about XXXX XXXX XXXX XXXX Account Number : XXXX ) that is reflected on my credit report. When I contacted XXXX XXXX XXXX to inquire about settling the account they informed me that they no longer own this account. When I informed TransUnion of this to have them remove this from my report so that my report reflects correct information, the only communication that they will send me is a letter that says they have previously investigated this dispute. 

Information regarding this account has changed and should be reflected as such on my credit reporting file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit decision / Underwriting

Complaint: I did an authorized short-sale in XX/XX/XXXX with the XXXX and XXXX lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Capital One, N.A, the XXXX lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. Capital One, N.A of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, Capital One, N.A reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Capital One, N.A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. Capital One, N.A failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with Big picture loans of {$800.00} and they told me that I just had to pay {$200.00} extra so {$1000.00} total. Well I have paid XXXX payments of {$200.00} now they 're saying I still owe {$1000.00} that the loan is not even paid that I 've only paid the interest. I did not agree to it being so much if I knew it would be been so much I would 've not gotten the loan so I could pay my house rent I would 've gone elsewhere but I feel scammed because I was only told I had to pay {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: I wrote a large check to my son who is a student at XXXX University in XXXX. He opened an account XX/XX/XXXX at a local Chase branch ( XXXX ) with this check. On XX/XX/XXXX Chase took the money from my bank. Instead of depositing the money to his account they closed his account " due to recent activity ''. He complained, they called me. I verified I wrote the check. This happened on XX/XX/XXXX. They said they would reopen his account and deposit the money. It is now XX/XX/XXXX they have not deposited the money and apparently have no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (VA).
Issue: Charged fees or interest you didn't expect

Complaint: i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX they reported a collection account to the major credit bureaus. The account is a fraudulent account, due to a robbery we had in 2008 we have become the victims of identity theft. XXXX Services admittedly sent no letters or made no calls to the phone number or address that belongs to me, this information could have been found when they looked into my credit files, they would have also noticed the fraud alerts. By not sending me information and giving me the chance to dispute they took away my rights under the FTC 's FDCPA, I informed them of this and they offered no solution. They also stopped communicating with me and will not respond, I have also filed a complaint with the FTC regarding this matter. I am in the middle of XXXX and personal financing and this collection account that I did n't have the ability to correct before it went to the credit bureaus just dropped my credit scores XXXX points between the XXXX bureaus. It 's causing me monetary damages every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Debt collection (I do not know) with MRS BPO, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ran a check on my credit and found 2 debt collections from same company. Contacted them last week to dispute it and was told that I would receive information about the account because I have no knowledge of the accounts in question. Instead, I received a notice that I have 30 days to dispute it or I'm liable for them. I do not know anything about these accounts so I want detailed information about these accounts. I've attached the notices for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.

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 04/23/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Wells Fargo Dealer Services charged me for auto insurance even though I had auto insurance.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with GC Services Limited Partnership (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage service company Ocwen is still reporting to credit bureau three years later after I filed for bankruptcy on the property, I filed for bankruptcy 6 years ago and the mortgage was included and foreclosed. I am currently discharged and relieved of any liability for the debt. They are reporting 14 times 90 day late on my credit report for the mortgage and making it real hard for me to recover after bankruptcy and foreclosure more than 6 years ago. I 've contacted Ocwen on numorous occasions but to no avail. I think the mark on my credit should be reported correctly if not than fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint is in regards to a Bankruptcy listed in Public Records date filed XX/XX/2014. 

Experian continues to report this inaccurate information even after several disputes. I have repeatedly requested tangible documentation whether electronically or hard copy and Experian has yet to verify. All they send is Verified on my report but don't list any names or address on how this is verified and then state they will not dispute this anymore. 

I have received a letter from the court that is listed on the credit report and they SPECIFICALLY state that they do not provide information to Credit Reporting Agencies. 

Experian 's system for matching profiles is not working. Experian must be reporting someone else 's Public Records information on my credit file. The address identification number DOES NOT represent any address where I lived. 

Since Experian is unable to verify their method and accuracy of this information, I want this Bankruptcy PERMANENTLY DELETED FROM MY CREDIT FILE immediately. I need your assistance in getting this matter resolved ASAP. 

This error is severely impacting my profile and is painting a bad picture of 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 explanation