milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midwest Recovery Systems never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. XXXX continues to report because Midwest Recovery Systems continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My previous dispute with Equifax did little to resolve the issue that XXXX XXXX XXXX maintains XXXX account on my credit report that should have dropped off in XXXX. Equifax did from my last dispute has no payment history, even though the account opened in XXXX, and went into default in XXXX. Therefore, under the 7-year rule of the Fair Credit Reporting Act this account needs to be removed immediately and permanently. There is no debate on this as by legal statute this credit trade line have outlived its usefulness and it must be deleted. I demand that all information be purged with XXXX XXXX XXXX and that any connecting collection agency be notified that this credit trade line can no longer be enforced either by state court actions or on the application of negative information on my Equifax credit report, or any other pertinent credit report. Equifax must delete this trade line permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.

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 05/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ECMC Group, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Premier Credit, a debt collector for the Indiana Department of Revenue, was tasked with collecting a tax warrant in the amount of {$4700.00}. They garnished my wages and received all but {$900.00} the amount owed. Even though they had confirmation from my employer that they would honor the garnishment order, Premier Credit proceeded to levy my bank account for the full {$4700.00}, as if the garnishment order had not been made and received -- which my bank immediately transmitted to them by cashier 's check, without prior notice to me.. Premier admits it overcollected, having received almost XXXX the {$4700.00} owed,, but refuses to refund the difference to me or my bank. They said the large overpayment, though recognized as such, will be submitted to the Indiana Department of Taxation, even though the Department only authorized them to collect {$4700.00}. A debt collector can not legally charge and retain from a debtor, more than its creditor is owed, yet that is exactly what Premier Credit has done. This is oppressive and unlawful conduct, in violation of the Fair Debt Collections Practices Act, but Premier 's policy is NEVER to refunds collected in excess of legal authority and to remit all such overpayments to the Department, to the detriment of taxpayers across Indiana.

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 04/27/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Taking out the loan or lease

Complaint: I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Jon Barry and Associates, Inc. (NC).
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: Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX   XXXX XXXX NC XXXX phone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Transaction issue

Complaint: I purchased XXXX on XXXX that were for parts and made an offer on the machines with the malfunctions described by the seller. I expected full disclosure but when I received the units they were broken in very different ways than described. In fact they are a collection of broken parts and are missing parts that specifically were supposed to be there. I tried to communicate with the seller but received no answer, the seller instead calling XXXX and escalating the case. On his doing so I got an email and a few min later I got an email that the case was decided against me. XXXX never even asked for my input. I called XXXX and appealed their decision. The man on the phone asked me if I had to open the devices to learn of this deception, I said yes and he then told me that the case appeal was not found in my favor as opening the devices was against the rules and could not be returned after this point. The units did not even have screws in the bottom plates. They are parts and the parts that the seller said were good are not. They are missing components. I sent pictures to prove this and they told me it only proved that I had disassembled the units. So I appealed to XXXX the administrator of my XXXX extra rewards XXXX by calling the number on the website and filing for a resolution there. They rubber stamped the XXXX decision and ruled against me. I then tried the issuer of the card Synchrony bank, They told me I have no rights related to this issue as the seller was to far away and I already settled the debt as to not incur any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XXXX/XXXX/17, I received dispute results from Transunion stating that an Account had been verified. On XXXX/XXXX/17, when I mailed my dispute letters, I requested that any account that was deemed VERIFIED needed to be accompanied with written poof from the creditor. I did not received any validation or verification information for this unknown debt. The creditor is listed as XXXX XXXX XXXX XXXX XXXX .
I have no knowledge of this company. I have never entered into any contract nor have I heard of this company.I am requesting the name, address and phone number of whomever at the company verified or validated this information. Also, I would like to see a signed agreement between me and the XXXX XXXX XXXX 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 09/20/2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Mailed PMAB asking for legal validation and received no response

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Brookshaw Management, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on 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 09-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Credit card protection / Debt protection

Complaint: XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.

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 EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and Equifax report that I did not authorize and had no knowledge of. I contacted Transunion and Equifax immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.       XXXX   :     1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.    XXXX    XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX  5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX   XXXX   XXXX   Equifax 1.  XXXX   XXXX   XXXX   XXXX  2. XXXX   XXXX   XXXX   XXXX   XXXX   3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.  XXXX   XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   8.   XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.

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 08/16/2017 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: Information belongs to someone else

Complaint: this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.

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 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: its been XXXX and no answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX years old with XXXX children. My home is also attached to the only income I receive. I have lost renters, had to do several repairs on the apartments and finally have all my unites filled with constant payments. I understand that I have had XXXX modifications before and that my mortgage company has tried to help me. I finally have faithful tenants and am asking for one more chance to make this right. I know I can pay the mortgage now and I have complete faith in my tenants to make sure my payments are made on time. I submitted a review package for assistance with proof of my hardship and they would not even forward to management to be reviewed. They simply told me no. I do not feel as a account manager and them not loaning me the money they have a right to deny me without proper review. I do now want to lose my home and my only of income as I do work. My husband use to handle all of this before passed and I am now dealing with it and can manage much better than I did before if given an opportunity. Please help me any way you can. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report

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 08/18/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquiries on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquiries from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XXXX6. XXXX XXXX GA - Date of inquiry XXXX/XXXX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief