milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Payday loan () with Cottonwood Financial Ltd. (IL).
Issue: Charged bank acct wrong day or amt

Complaint: I submitted a claim earlier about XXXX XXXX XXXX and gave a description about what happened. The Cash store is another creditor they did the same thing as XXXX in the previous claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Alliance Data Card Services (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX has been calling family members and harassing them about a " PayPal '' credit debit they say I owe. I do n't have a PayPal account, I 've never had a PayPal account and I 've never had PayPal credit. I am a victim of identity theft. In the past two years several accounts were opened in my name after my identity documents were stolen from my apartment. I have attached a copy of the police report to this complaint as well as copies from other creditors that did their own independent investigations and found I was a victim of identity theft and the FTC Affidavit of identity theft. I will attach PayPal to this complaint to inform them of the complaint. 

XXXX XXXX XXXX is not to contact me by phone again or make any attempts to reach me by phone again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One Bank has my current balance owed as {$290.00} and the balance owed is actually owed is {$170.00}. I closed the account because they kept charging fraudulent fees to the account. My credit line was {$300.00}. When I closed the account my balance was was {$170.00}. I told Capital One Bank I would not pay on the account until they corrected balance owed to {$170.00}. I want an investigation into this Corrupt Business and I want my Balance corrected to show that I owe only {$170.00}. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with AmeriCollect (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding is the largest junk debit buyer in the country and purchased a presumed debt. With only a single computer generated document, this company filed a lawsuit against me in Magistrate Court. There was no proof of debt, no signed credit card agreement copy, no application copy with terms of interest and fees, no 12 month period payment history. On the only single document presented, there was an amount of {$430.00} for fees with no determination or detail of how these fees were determined.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I had a  Chase Cr edit card in  XXXX  and it became delinquent, due to an illness I suffered from my inability to work. I had the, out of work protection on my account and they were still charging for that protection but they never paid the bill. Fast forward to  XXXX , a law firm  XXXX  and  XXXX   XXXX  has placed a lien on my account but I have never received any documentation   in regards to going to court or anything. Chase would/had never supplied me the Collection agencies information.
So basically here is why I am reaching out to you all for some assistance : 1. I am a current Chase mbr 2. My account has been locked and my access blocked w a high   bal.  XXXX   3. Credit card was only {$5000.00} 4. Never received any court documents 5. My military son is on my account

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Reverse mortgage) with READY MORTGAGE LENDERS LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: : " I XXXX XXXX and XXXX XXXX ( XXXX and XXXX years of age ), contacted XXXX XXXX, in reference to the hardship I was going through. He met us at my property located at XXXX XXXX. XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX introduced us to XXXX XXXX XXXX, Ready Mortgage, who offered me a reverse Mortgage, based on our economic situation and age. ( Please see attached document dated ). Throughout the 3 months delay Ready Mortgage was processing our Reverse Mortgage. We had to pay late fees approx. {$300.00}, to our Mortgage company, XXXX XXXX. Also Affected my credit at the Credit Bureau. Due to their 3 months delay, we had our house in danger of foreclosure. We had to pay to XXXX XXXX more than {$4000.00} dollars due to their delay on closing our Reverse Mortgage. We also had to pay the appraisal fees of {$320.00} plus upfront expenses. In addition, they wanted us to pay another additional appraisal fees, but we said " No ''. During the Reverse Mortgage process they requested some changes to our Home Property Title for us to qualify. The title change was made for a fee of {$800.00} dollars. Then, we had to get our Home Property Title rewritten correctly for another extra expense which we had to pay. The documentation requested in XXXX was never provided. " Due to Ready Mortgage delays and process our Reverse Mortgage they almost cause to put our property in foreclosure Affecting my credit at the credit bureaus with a bad note due to me. 

On 2014 though a XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX advertise to assist us consumers. 
I contacted XXXX XXXX, in reference to the hardship I was going through From his meeting at my property located at XXXX XXXX. XXXX XXXX, Fl XXXX XXXX XXXX XXXX to, XXXX XXXX, Ready Mortgage, they offer me Reverse Mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of  the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.XXXX XXXX XXXX # XXXX Never don business with this company error please delete. 2.XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. 3.XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. 4.XXXX # XXXX This account was discharged in Bankruptcy error please delete. 5.XXXX XXXX XXXX # XXXX This account is FRAUD I have never had a credit card with this company ever. 6.XXXX XXXX XXXX # XXXX This account is listed wrong and dates and status are wrong please delete. 7.XXXX XXXX # XXXX This account was never verified please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax Inc. is the subject of my complaint.
Equifax has compromised my personal information by allowing it to be accessed by unauthorized parties and hackers.
Information including my name, social security number, birthday, address, driver 's license number and credit card numbers may have been compromised. They positively identified me as someone affected by their information breach.
This is beyond unacceptable. As one of the three major credit reporting companies in the USA, they have utterly failed to protect my privacy and identity as a consumer, and now my entire personal and financial future is at risk. This is an absurd burden to place on nearly half of the American population. As per their own admission below : " Equifax Inc. ( NYSE : EFX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXXthrough XXXX 2017. '' " The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.

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 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XX/XX/XXXX & XX/XX/XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XX/XX/XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XX/XX/XXXX & XX/XX/XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Long ago-  (   XXXX   XXXX   ) - attempt at retrieving a credit report online ( Experian  )  was denied, required sending information by mail  XX/XX/XXXX  - letter sent back indicating that they could not locate credit information. upon reflection, it is clear that it 's because their system does not allow  1 le tter last names.    XX/XX/XXXX  - rental application stalled due to not being able to look up spouse 's credit report. Contacted experian to try to clear up the situation -- they tell me to send a document with the correct name. They tell me they will mark the request with a rush request to expedite the processing of the document.    XX/XX/XXXX  - Using the online system, uploaded copy of social security card showing the legal name.    XX/XX/XXXX   - ( c all to experian ) informed that the previous handler entered the wrong name due to not being able to enter a  1 lette r last name into the system. Explained to me that they can not fix the problem because the system does not allow  1  letter last names. However, even then they can not put in other names because it does not match the record from social security. They inform me that my best option is for legal representation to help with options or a legal name change, both which are ridiculous, because this should be treated as a bug with their system. Clearly the Social Security  Database  allows fo r 1 l etter last names, and they should still be at fault for not being able to provide me with the credit report.     Note, I was able to pull   XXXX   credit repor t (  but it did require me to contact the agency by mail, which is annoying )

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 11-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX XXXX XXXX defrauded over XXXX students. Navient is attempting to collect on my private student loan for which I have nothing to show for. The US DOE is currently considering my defense to repayment regarding Federal loans to the before mentioned entity. Navient claims they are exempt of following the laws of the state which I reside in, Texas. I notified Navient to cease and desist collections under the Texas Debt Collection Act, a law that Navient states that they are exempt of. I am open to postal communication from Navient, but do not wish to deal with them verbally any further. They run like a record, and repeat over and over how they are exempt, how I owe the money ; yet they are enforcing a contract entered by me in good faith that the receiving entity would deliver what they promised. They must immediately accept my demand to cease and desist phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Stark Collection Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is in a debt mgmt repayment program and the collection agency has accepted and cashed payments for this debt. Acceptance of the payment was acceptance of the payment plan which they were sent by XXXX. I was not given an opportunity to dispute the debt before they placed it on my credit report as a collection. They have been accepting payments since XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

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 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Afni Collections sent a notice dated XX/XX/2016 saying I owed XXXX XXXX XXXX after I already paid a settlement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation