milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: in XXXX of XXXX I received a summons to appear in court for Statewide credit Association about medical bills they were trying to collect. So XXXX/XXXX/XXXX I made contact with XXXX with Statewide credit to set up a payment plain because there were multiple accounts ( 6 accounts ). As I was taking to XXXX I explain I would like to be able to say which account that the payments were going to and that when the accounts was paid it either came off my credit report or showed paid in full. XXXX starting getting upset and explained to me that it could not happen that way the accounts had all been put in to one large account and until the entire account was paid nothing would come of my credit report or showed paid. Not knowing my rights I made the first payment. When I got home that night I started researching and find that Statewide had violated my rights by not applying the payment to the account I wanted. That night I wrote a letter to Statewide telling them that I wanted the payment applied to account XXXX which would leave a balance on that account of XXXX. So on my next payment on XXXX/XXXX/XXXX I sent a letter saying I want the payment to go to account XXXX which would pay this account off with a balance on the payment of to be applied to account number XXXX. I made two more payments on XXXX and XXXX both to go to account XXXX. I had not heard anything from Statewide and the account that I paid off was still on my credit. So I stated to call the original creditors on XXXX/XXXX/XXXX I made a payment to XXXX XXXX XXXX for XXXX pay off that account ( account # XXXX ) and called XXXX XXXX XXXX XXXX XXXX XXXX and paid XXXX paying off this account ( XXXX ) I sent a letter with the receipts to Statewide credit and explained those accounts were paid in full and would like that to reflex on my credit report. on XXXX/XXXX/XXXX I received a summons to appear in court for a garnishment for now payment for these accounts. On XXXX/XXXX/XXXX I paid XXXX to XXXX XXXX XXXX and sent a letter to Statewide explaining the account ( XXXX ) was paid in full and sent a receipt showing these they are still trying to collect on accounts that have been paid and the account are list individual and listed as one large account on my credit report. I just want someone to hold them accountable for there action. I was try to get a new home when all this came up and having the accounts listed more then once and them not letting me pay the account and them remove or showed paid on my credit has hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit burea us ( Equifax,  XX/XX/XXXX  and  XXXX  ) that showed that the amount of {$2400.00} had  been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified  letters to each bureau requesting that the information be deleted from my credit report. Only  XXXX  bureau- XXXX  has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with Cooling & Winter LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: on XX/XX/2016, I received a call from a person by the name of Laniece Limpers from the law firm of Cooling and Winters, which is a principal partner of XXXX XXXX XXXX. According to XXXX XXXX, she represents XXXX XXXX XXXX and she was calling to negotiate on their behalf. Based on information provided to me by XXXX XXXX XXXX XXXX month prior to receiving the call from XXXX XXXX, I had a total debt of {$670.00}. As such, on XX/XX/2016, XXXX XXXX, who I assumed was representing XXXX XXXX, negotiated with me and agreed to accept {$300.00} as total payment, and according to her, the debt was settled. According to XXXX XXXX, the conversation was recorded and that she was going send me a confirmation letter in the mail within 24 hours. As of today, XX/XX/2016, I have not receive this letter. In addition, XXXX XXXX, has not return numerous phone messages that I left for her in her voice mail. I have sent a validated bank receipt of the transaction on XX/XX/XXXX which shows that Coolling and Winters Associate had withdrawn {$300.00} dollars out of my checking account to the XXXX major credit bureaus for them to investigate this matter, but to no avail.

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. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing statement

Complaint: Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.

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 12-08-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I made arrangements to have any debts paid with Money Recovery Nationwide. They are continuing to put collections on my credit report without verifying my debt. Or sending a letter that my debt will be sent to collections. 
They will not do a pay to delete They will not notify that your debt is up for collections until it is posted on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.

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 11/19/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i was victim of indentiy theft diputed to credit buareu Experian called also send letters always giving me hard time.

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 07/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Between XXXX XXXX and the XXXX I have had several conversations with JP Morgan Chase employees via their XXXX client line and online secured messages regarding my Over Draft protection for my checking account. On the XXXX and XXXX, my overdraft coverage which is connected to a chase credit card did not work. Apparently an internal payment of {$8000.00} was not applied in a timely manner to the credit card and when checks came in they charged me {$68.00}. I called the customer service line and the young lady that assisted me could not understand why the overdraft coverage did not work. She acknowledged it should have. In an attempt to correct it she de-linked the credit card from my checking and relinked it back. This caused another XXXX charge. Then, without my authority, the bank decided to link it to my savings account. It has been a comedy of errors that has cost me {$100.00}. In addition, the generic messages that I receive from Chase make no sense and are full of false and incorrect statements. I do n't think its necessarily deliberate so as not to refund these ridiculous fees, but I am starting to doubt their integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with Capital Accounts, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capital accounts calls my phone several times a day but refuses to identify the company when they call the only was i was able to identify the company was buy doing a google search on the number that was calling. Several representatives refused to i.d the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (IA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX  for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about

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 07/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated my rights as a consumer under section 6.11. As a result, I have been severely affected and my credit score is suffering as a result of this error. I never received a notice, which is a violation of my rights. I am requesting that all inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX XXXX ( {$950.00} ), XXXX ( {$600.00} ), XXXX ( {$0.00} ), XXXX XXXX - XXXX XXXX XXXX ( {$69.00} ), are fraudulent and have no merit or basis on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When I purchased the home at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX on XX/XX/XXXX, the house was overpriced and divided into XXXX mortgages. XXXX of them was an adjustable rate loan of {$290000.00} with an interest rate of XXXX. The other loan is a balloon note for the amount of {$73000.00} with an interest rate of XXXX. 
My present rate under the American Servicing Company ( Wells Fargo ) is presently 7.250 with the majority date of XX/XX/XXXX with a monthly payment of XXXX with an unpaid balance of {$270000.00}. On the balloon note, the present outstanding balance is {$66000.00} the current interest rate is 11.450. Monthly payments are {$720.00}. 
I have tried on various occasions to have this refinanced, and it has been impossible. 
In as much as I wanted to be the cosigner for my daughter and her husband at the time. My wife and I ended up being the buyers and they told us that in six months that would change. It never happened. 
I need help! 
Thank you. 
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 11/18/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company trying to collect more money than I originally owe or borrowed. I only borrowed {$800.00} they are trying to collect {$1200.00}. I was not aware of all the additional fees and interested. I tried to resolve the matter several times but the companies failed to call me back. I called the 3rd party law office that has my account to do a settlement on the account they refused and said I have to pay {$1200.00}. The balance owed is more plus additional fees and interest that I can not afford. I have no problem paying what I owed I can barely afford all the additional fees and I was also told that a lawsuit was filed on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CL HOLDINGS LLC (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.

Company response to consumer: Closed with explanation