milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was late with my payment due to my wife taking over the bills and not paying the balance. American Express has continued to call my parents at their own address at phone numbers that were never given to AMEX. I do n't appreciate the utter embarrassment they have caused me in calling my parents regarding a past due balance. My finances are not my parents business nor anyone elses. I sure hope this complaint gets attention, as I will be follow up regarding this complaint. I want to see AMEX forms of communication change, since the tactics they are using are very harassing to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was contacted by someone on  X/XX/2017    at  XXXX  using a restricted number claiming to be a 3rd party who is filing a motion to prosecute me for a debt. That person called repeatedly from a restricted number until I answered. He told me that he knew my address and to be home tomorrow between specific times to sign for a court document. I asked about the nature of the document and he gave me a name and a number to contact   XXXX   XXXX   XXXX   at phone number  XXXX  with Case number  XXXX  and said to ask for  XXXX   XXXX  the arbitrator. When I called  XXXX   XXXX  she became extremely hostile after I asked what the debt was about. She said there is no way for me to pay the debt without going to court and threatened to call my employer and ruin my credit. She then hung up on me. I called her back repeatedly until she answered and she began shouting threats at me and calling me names. She threatened to put me in jail, call the police on me for calling her back, she said she was going to ruin my credit, and garnish my wages. She called me a " little man in a big mans body '', she called me other stuff too that I ca n't remember because I was trying to calm her down to communicate what this was all about. I attempted to call her back several times and she kept hanging up on me. The whole situation is extremely disturbing.

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 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a dispute with Transunion on   XXXX   XXXX   XXXX   disputing  XXXX   XXXX   XXXX   XXXX   XXXX   ( Account  XXXX  ) and received a letter stating that their records show that the information you disputed does not currently appear on your TransUnion credit report ( File #  XXXX  ). However, this account is indeed still reporting on my TransUnion credit report. This account was also previously disputed on  XXXX   XXXX   XXXX   XXXX     and removed from my Transunion credit report sometime between   XXXX   XXXX  , then immediately added back on.

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 12-04-2017 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: Account status incorrect

Complaint: The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end  on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Account opening, closing, or management

Complaint: I am currently a customer with Wells Fargo, and have been with the bank for about 11 years. I previously had both an " Advangtage Checking Account '' and a " Money-Market Savings Account '' with the bank. I am also enrolled in their electronic statements system. On XXXX XXXX, 2015 I received a message via email notifying me of the following : " There are important changes coming to your Complete Advantage ( R ) Checking account that will take effect XXXX XXXX, 2015. Please sign on to view a secure message about these changes. '' I logged on only to find no relevant messages about my checking account or changes. 

Noting this email, I monitored my physical mailbox, looking for any correspondence regarding the changes. I never received any notifications in the regular US Mail. 

Earlier today, while reviewing my online banking account, I saw that there was a {$13.00} banking fee charged to my account. Further investigation showed that the account type had changed and was no longer a " Advantage Checking Account ''. I contacted Wells Fargo and was informed that my account no-longer met the requirements to be fee-free. 

I 'm writing today because I was not informed of this change, and believe that it was not fair from a consumer-standpoint to having account changes made without proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have had immense difficulty in trying to freeze my credit with all reporting agencies. After the hack that stole data from XXXX, freezing my credit should be free across the board at minimum. XXXX yet, they should automatically freeze all credit until you unfreeze 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

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 09-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The ( XXXX ) addresses below are reflected on my credit report, however I have never lived at either address. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Helvey & Associates (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Helvey and assoicateds is trying to collect on a debt from XXXX that is incorrect. I stated this from my first cal with them and requested proof of the debt. They sent me over a ledger that clearly shows the last two months of service of being estimated and not an actual meter reading. This is being reported on my credit reports and should n't be as it is not a verified amount. The agent on the phone said I need to call consumers myself to handle this. If that is the case they should n't be allowed to be reporting something that they themselves do n't know if it is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Student loan (Private student loan) with GREAT LAKES (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Managing the loan or lease

Complaint: I took out a personal loan with Springleaf Financial, which has merged with OneMain Financial recently. I am unable to obtain accurate and timely information about my account and payments due from OneMain. On XXXX XXXX, 2016, I made a payment of {$730.00}. This was for reinstatement of the loan to current since I had missed XXXX payments ( XXXX - XXXX 2016 ). My monthly payment amount is {$170.00} on the XXXX of each month, so I assume the difference of {$32.00} included late fees? On XXXX XXXX I spoke with a representative about my XXXX thru XXXX payments. The representative explained that I was past due for XXXX and XXXX ( true ), and that the XXXX payment was due on XXXX XXXX as per usual. The total amount due was {$570.00}. I questioned this amount because {$170.00} XXXX 3 months is NOT {$570.00} ; there was a difference of {$45.00}. She explained that there were late fees outstanding and an NSF fee from XXXX 2016. This was a surprise to me because if I paid a lump sum on XXXX XXXX, all fees should have been included in the 'amount due ' when I made the payment. The rep confirmed the fees were not included. She stated that she would request a waiver of a {$15.00} late fee and payment of {$350.00} would bring me current until my XXXX XXXX payment of {$170.00} was due. 

Alas today is XXXX XXXX and my account still shows a past due balance of {$570.00}. I called OneMain to question why my payment of {$350.00} has not been applied, and what happened to the late fee waiver? The rep explained that on his end he can see an amount due of {$200.00}. I have enclosed a screenprint of my online account so you can see the amount online does not match what the rep instructed me to pay. He then came back and stated that the late fee waiver was not updated in the system because they are n't reflected until the payments post. Why has my payment not posted in 8 days? 

I am further frustrated by the lack of any valuable detail on my billing statements. They do not break out the origin of outstanding fees, the date said fees were incurred, how my payments are applied toward principal, interest, etc. I have attached several months of billing statements to substantiate this claim. These billing statements are as useless as the online account. The representative I spoke with today is now confirming that I only owe today 's payment of {$170.00} which I have literally NOWHERE in writing. The rep states that he can send a 12 month payment history to validate how my payments have been applied but I have no confidence whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Credit card) with O and L Law Group, P.L. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. 

I have no knowledge of any alleged account with XXXX XXXX. Period. 

1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 

2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. 

I received no response. 

3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. 

I received no response. 

4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX  XXXX ( no remark ) on my XXXX  credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX  credit report. 

XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 

5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. 

Again, I received no response. 

6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 

7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 

8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX  that dropped my XXXX score by such an enormous amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Medical) with Central States Recovery, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I originally received notice of the debt in XX/XX/XXXX. I contacted them and told them that I felt it was a mistake and I would be contacting the original debtor. The debtor advised there was a mistake with my insurance information and they would contact the collector to close the case. I received a call on XX/XX/XXXX advising I still owed money. They refused to send me anything in writing showing the debt as still valid or giving me a chance to dispute the debt. I asked to speak to a supervisor and they refused. The caller became belligerent and told me she did n't have to provide anything further to me. When I refused to set up a payment schedule with her ( because I wanted to speak to the original debtor and my insurance company ), she hung up on me.

Company response to consumer: Closed
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have paid all final charges from XXXX. I paid all fees and charges before canceling service.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (OH).
Issue: Struggling to pay your loan

Complaint: this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer. 
Thanks! 
XXXX

Company response to consumer: Closed with explanation