milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then 7 years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( 9 years ) I feel that all XXXX XXXX, XXXX and Experian bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all three bureaus REMOVE this immediately from both my name and spouses. It was paid and released over 9 years ago and taken off and on our credit, most recently placed on again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (UT).
Issue: Managing the loan or lease

Complaint: I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.

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 10/29/2015 about Debt collection (Medical) with State Collection Service, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing a complaint against State Collection Services, XXXX XXXX XXXX XXXX, XXXX wi, phone XXXX. State Collection Services placed a derogatory item on my credit report XX/XX/XXXX.I have never received any correspondence, bills, notices, phone calls, or any other attempt to reach me before this action took place. I called State Collection Services and they informed me that it was for a medical bill, from XX/XX/XXXX. They could not verify the details. I have been at the same address for XXXX, same phone for at least 10yrs, and nothing was sent to me regarding this Item. I have requested Validation of the Claim from both the Collection company and XXXX. The action of affecting my credit rating without making a reasonable attempt to make any contact seems at the very least inappropriate and at its worst- likely unlawful. In speaking with the representative from State Collection Services, I was able to learn that the claim is a medical claim, but they could not provide any further documentation. They would have to request that information. It seems that to put an item on a credit report without a satisfactory attempt to reach me and without having the details of the claim, should be brought to your attention. thank your

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with PROSPERITY BANCSHARES, INC. (TX).
Issue: Using a debit or ATM card

Complaint: Prosperity Bank made an error by letting charges get transferred back to my account after I went to great lengths to get my debit card canceled and blocked due to a home health care provider having access to my debit card when I was away from home and in the hospital and too sick to look after things at home, she used it to buy jewelry from a company known as XXXX. By promising not to file a police report I was able to get her to return the package she received. It had a packing slip of items and costs and I checked and all the jewelry was still in the package and small boxes not opened. I called the XXXX XXXX and told them that the jewelry was not ordered by me and they told me to return it registered receipt and a tracking number. They also said that Prosperity band had already charged back the items to them and that I should have credit for the items already. I told them that PROSPERITY BANK GAVE ME PROVISIONAL CREDIT ... ... ... .pending investigation ... ... ... ... When I was n\otified that the tracking showed the items had arrived and a signature receipt inctluded also, I took it to Prosperity Bank. They made copies of everything and told me they would be sure to make the provisional credit a permanent credit and the case was closed. Then today I was shocked to find that Prosperity Bank had let those charges post even though the debit card was canceled and the case was closed. I spoke with XXXX XXXX and they confirmed that they had received the items back and it was in error that they somehow got charged back to my Bank Account. They said that all my bank has to so is reverse the charges back to them. 
But Prosperity Bank refused to do anything ... ... saying ... ... .... '' There is nothing they can do, that I have to resolve it with the company who charged my account XXXX WITH A CANCELED DEBIT CARD THAT DOES NOT EXIST XXXX I am Filing a complaint with the Federal Trade Commission!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have send letters to Experian on XX/XX/2017 to remove this bankruptcy that they claim its mine and also a XXXX account. Experian claims they have verified and say the accounts are mine. I send a letter certified to the XXXX XXXX XXXX XXXX XXXX that claim I have a bankruptcy with them. They responded with a letter stating that the United states Bankruptcy court for the XXXX XXXX XXXX XXXX does not report individual bankruptcy case filing data to credit reporting agencies, nor do the update information directly to the credit bureaus. I am attaching both letter for documentation on this. I also have contacted XXXX XXXX through a certified asking for verification on this account the claim I owe. They never responded. Its up to Experian to show me proof of the validation of the account. Its been 6 months and it is clearly a violation of Section 611 ( 5 ) ( A ) and show continue blatant disregard for Federal Law. I have asked them to give me the name of the person in there company who verified the accuracy of these accounts, but they ignored this request as well is another violation of Federal Law. I have asked them under Section 611 ( 5 ) ( A ) of the FCRA to promptly Delete all information which can not be verified. Experian claims that have a certified paperwork that the bankruptcy is mine. It is noted in the attachment I am sending you. I want to see the copy of 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 non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Mortgage debt) with PHH Mortgage Services Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PHH Mortgage has called me multiple times a day for months. Most times, the line is quiet when I pick up, immediately followed by a disconnection sound ( an audible click ). They foreclosed on my property, and I requested a reinstatement amount from them ( I had to request this several times now, and still have n't received an amount ) through their lawyer. Today, PHH called me directly from the number listed on the complaint. They wanted to know what my intention was with the property. Since I have made several requests, even speaking directly with their lawyer, they already knew my intention. They provided me with no new information, and simply stated they would pass on a total to the lawyer. I believe this constitutes a breach of FDCPA ss. 806 ( 5 ) and ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have contacted this company on SEVERAL occasions to fix this issue, but I am always either ignored or sent paperwork that has nothing to do with solving my issue directly with this company. They are reporting a collection that is not my account on my credit file. They never contacted me to tell me they were putting this on my report, which according to the FCRA they are supposed to do so within 5 days. Also, they have absolutely NO documentation that this account is mine. I have a very common name, but that 's no excuse for attempting to ruin my credit reputation with potential lenders. I have never had  XXXX , and while communicating with diversified consultants, they 're telling me to discuss this issue with the other company. Well, the other company is not reporting false and illegal information on my report. THEY ARE! I have asked for verification on several occasions, and all that I 'm sent is someone 's bill. I have sent documentation of the phone service that I 've had for 10 years with no gaps in time whatsoever to prove this account is not mine. They were asked to verify this debt by the proper FCRA guidelines, including but not limited to, color photo copies of my signature, license, contract, etc, NONE of which has been provided. This is my LEGAL RIGHT to have this information they claim to have, yet I 've been ignored for months, which obviously means they do not have said information because IT DOESNT EXIST! How can it be justified to attempt to ruin my credit reputation without justification or legal documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Managing the loan or lease

Complaint: I purchased a car from JD Byrider XX/XX/XXXX. XX/XX/XXXX the vehicle was damaged in a severe storm. The insurance company claimed it was a total loss. The company asked and I agreed to continue to make the payments until the claim was completed as good-faith. When the insurance company 's adjustment was completed the difference between what was owed on the loan what they would pay ( the replacement cost ) was over {$5400.00}. After several attempts by the company to pressure me into another similarly over-priced vehicle I declined. I, instead opted for an agreement that I would pay the {$500.00} deductible and the company would forgive the balance after receiving the it along with the {$6400.00} check from the insurance company. I asked for this in writing and received it a few weeks later. When it was confirmed that the insurance company 's payment was made I attempted to pay the deductible and asked for a release of debt letter but was turned down by the woman at the payment office. She said that I owed {$5400.00} before I could get any release from my debt obligation. After numerous attempts to get the company to honor their agreement that was in writing I noticed that I had a charge-off on my credit report. Many months later they continued to not honor this agreement and my credit was severely impacted. I also notice that they had listed it a second time on my report from a different office. XX/XX/XXXX I contacted this second location hoping to get some relief and a reversal of this erroneous credit rating. After reviewing a copy of the letter the second location agreed that they would accept the payment and restate on the credit report paid in full as agreed. To my astonishment a week later the account was reopened as now paying. When I contacted the location again I was being lied to and the issue has not been resolved. I am now pursuing legal action as this has cost me tens of thousands in additional interest because of the negative impact on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX # XXXX This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my Experian 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 non-monetary relief
Consumer complaint received 08-01-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I cancelled my application before the credit check and they checked anyway knowing I refused 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 09/16/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out a private loan through Wells Fargo during my last year of college in 2009. Both my parents had been laid off during the recession and were unable to contribute to my education. I just wanted to finish school. I have been making payments on this loan consistently since then but have barely made a dent in paying off the loan because of the lender 's online banking practices. 

When I took out the loan I opted to make online payments. However, the online option for payment through Wells Fargo does not allow borrowers to pay above the minimum on a loan unless they intend to pay off a loan in full. 

Once I accidentally paid my bill two times in one month and was told by a customer representative that Wells Fargo would not allow me to make a payment in XXXX of that year because they do not allow debtors to make more than twelve payments in one year. 

I would like to pay my loans off more quickly and accrue less interest but I am unable to do so as Wells Fargo will not accept a payment above the minimum or an additional payment. This practice is clearly intended to keep individuals like myself in debt for as long as possible.

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 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action.

Company response to consumer: Closed with explanation