milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I called XXXX XXXX XXXX on XXXX XXXX, 2017 to cancel my wireless service for account # XXXX. The overseas XXXX XXXX XXXX call center did n't cancel the service and when I continued receiving a bill for service I was not using XXXX XXXX XXXX finally cancelled the service on XXXX XXXX, 2017. Numerous calls to XXXX XXXX XXXX only provided the " Run - Around '' with no resolution so XXXX XXXX XXXX turned the amount over to Sunrise Credit Services, their account # XXXX. I have advised both parties that I would not pay for services not used. The disputed Amount is {$150.00}. Incidentally I had great difficulty in cancelling three other XXXX XXXX XXXX services due to the move from XXXX to XXXX, But was able to after numerous phone calls was able to accomplish the requested service cancellations. 

XXXX XXXX

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 02/20/2017 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (LA).
Issue: Managing the loan or lease

Complaint: I paid off my car loan to TD Auto Finance and they still withdrew a payment for the loan. I have tired to phone them, no success. I sent them a message regarding the situation and the response is it may take up to one month to receive a refund for the dollars they took out of my account. One month is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by Messerli & Kramer. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: Since XX/XX/XXXX, I 've used a Kohl 's credit card with all payments made promptly until XX/XX/XXXX. In XX/XX/XXXX, I changed my billing method from " paper '' to " electronic '' billing and in XX/XX/XXXX, Kohl 's called stating I neglected to pay them for the months of XX/XX/XXXX and XX/XX/XXXX, so I immediately sent in the full amount owed. I discovered that when I switched from " paper '' to " electronic '' billing, the Kohl 's bill went to my " spam '' email folder without my knowledge. Meanwhile, we were busy preparing our home for sale, and I lost track of the fact that my Kohl 's bill was delinquent. I subsequently sold my home and have an offer on a new home that we can not purchase because XXXX XXXX reported the missed payment exceeding 30 days to the credit bureaus. I reached out to Kohl 's Corporation Executive XXXX XXXX on Friday, XX/XX/XXXX, and a representative from her office, XXXX XXXX, contacted me XX/XX/XXXX. I requested a letter to be faxed to my mortgage broker to include the following information : 1. The customer is current on the account. 
2. The customer 's credit status is : " payed-as-agreed '' with the " late fee '' designation removed. 

The letter she faxed did not contain the requested information, and so I contacted and she reluctantly agreed to a conference call to include I and my mortgage broker on Wednesday, XX/XX/XXXX between XXXX- XXXX Pacific time. We called her at XXXX, left a message and, thirty minutes later called again, and there was no answer to either call, nor were my subsequent voice messages returned. It is now, Friday, XX/XX/XXXX, and we will lose the house we placed an offer on because we can not qualify for the new home loan until Kohl 's responds to our request. 

While I respect the right of the Kohl 's Corporation to collect debt, I have been a card holder since XX/XX/XXXX with no late payments and I believe a " courtesy '' call was appropriate before Kohl 's reported it to the credit bureaus. The late payment is my responsibility, but it was due solely to the electronic bill notification going to my " spam '' folder. This was my single missed payment in 7 years, resulting from an unforeseen computer glitch and now I must explain to my family that it results from a department store acting like a bully that we will be homeless in two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : Experian : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}

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 04-12-2017 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (SC).
Issue: Managing the loan or lease

Complaint: I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.

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 05/16/2016 about Debt collection (Non-federal student loan) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Have the reported the proper amount on collections

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with R & B Corporation of Virginia (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was in the hospital XX/XX/2017 due to a car hitting me as i was crossing the street they never stopped and i was co errant at the time. My friends took me to the hospital rather than waiting for an ambulance. I never received any medical bills to my address, my insurance company called me and told me that everything was covered. I got a credit hit so i called the company asking why they hit my credit. they never provided me with any information. I even offered to pay it since XXXX dollars was not worth it effecting my credit even then they said they wouldnt take it off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Credit decision / Underwriting

Complaint: I have been contacted multiple times by my mortgage company, Freedom Mortgage in reference to refinancing. I have advised them multiple times that I have recently refinanced but the calls continue. I have also advised them that I no longer wish to be contacted about the issue but the calls still are occurring on a daily basis.

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 02/21/2018 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: Account information incorrect

Complaint: All school loans were consolidated

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (GA).
Issue: Closing on a mortgage

Complaint: On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.

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 05-11-2015 about Bank account or service (Cashing a check without an account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX has XXXX checks with the dates being XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I want to find out who cashed these checks. I know this information is over 7 years old but I want an official inquiry into where this information still exists. I want to maintain this complaint until this whole matter is resolved completely. This is an old federal student loan and I never cashed these checks and XXXX @ XXXX XXXX claims I did. They say I signed the checks and cashed them within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (I do not know) with Worldwide Processing Group, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX i received a call from XXXX from the number XXXX, the caller said he was calling about a debt from XX/XX/XXXX and when i asked for more info or to send me something over the mail he laughed and it said i was in position to demand anything and they were going to sue me. I hung up and then he called my employer asking him how it was possible he would employ someone like me? I called them again and he just said he had every right to do what he did because he called my work number and not my personal number. A guy by the name of XXXX EXT XXXX promised to look into the issue and all he did was have the first caller call me again to work, thats 3 times in one day.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX/XXXX/XXXX, my personal financial information was retrieved remotely from Equifax 's databases, without my authorization and knowledge. I have not signed up for credit monitoring services provided by Equifax, as it may/will void my ability to follow through with arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 I log into my online Banking and another fraud Transaction was unauthorized by Navy Federal Credit Union for {$20.00} from the XXXX I never been there and I did authorized anything to be withdrawal from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have no idea what constitutes a " final response '' from Trans Union. Please change your form so that this unreliable question is not a forced-choice requirement on your complaint forms. I need to get a copy of my TU report to XXXX XXXX XXXX XXXX which requires it to join. I have a security freeze on my report to minimize the amount of false junk that TU puts in my file. Today when I called it to temporarily release the freeze, it refused to do so. It also took a very long time, transferred me around and forced me to repeat the same information twice to XXXX different people. Along the way, I could not remember some number TU assigned to my account some time ago when I placed the freeze on my file. TU then wanted me to answer " security questions '', including where I use to work. I do not want to provide information to TU since it is a hostile party to me and is built on a business model that is hostile to my best interests. I do not want to confirm or deny that I use to work at any particular place, since I have seen it use this as a way to confirm its own records. I have nothing to gain but usually something to lose confirming information to TU it may not have obtained or have valid confirmation for. I asked the TU representation to ask me another, alternative question and he refused to do so. So, as is the usual drill with these obnoxious corporations that traffic in your personal information, then try to get you to confirm the garbage they collect and invent for you and then try to sell, I can not get them to release a report to XXXX XXXX XXXX XXXX. 

Please require Trans Union to release my credit report to XXXX XXXX XXXX XXXX only and then immediately reinstitute the freeze on my account. In particular, I do not want TU selling personal information about me to any third party whatsoever besides XXXX XXXX.

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 03/21/2018 about Debt collection (Other debt) with SCA Collections, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no knowledge concerning debt with SCA Collections Inc

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. 
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i was paying cbe XXXX and i calledto pay less and they said no so stopped payment

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Problems when you are unable to pay

Complaint: I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     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 non-monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing the Hard Inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX Made on XXXX XXXX 2015. 
I have attempted to request of them to remove the hard inquiry since I did not initiate it. 
They CAN NOT be reached as XXXX reports they have gone out of business. 
XXXX THEREFORE, neither can Experian to verify this is a valid hard inquiry, that I requested which it is NOT, therefore since the I contest it is not and have done due diligence by reaching out to the furnisher and they have nor can not respond, I am requesting this Hard inquiry be removed in accordance with federal 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