milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I explained to  XXXX ,  XXXX , and Experian that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my  XXXX , Experian, and  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insuran ce C. Employment D. Court Order The f ollowing credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX   (  XXXX   XXXX ,   XXXX   )  XXXX   XXXX   XXXX   (  XXXX   XXXX ,   XXXX    )    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 non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX have just disregarded my consumer complaints and have did nothing to correct the situation. I sent a letter requesting that they, Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Please attach a copy of any signed agreement alleged debtor/ Plaintiff has made with debt collector, or other verifiable proof that debtor/ Plaintiff has a contractual obligation to pay debt collector. 
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. 
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
6. Provide verification from the stated creditor that you are authorized to act for them. 
Disputing the Debt, I 've also file complaints with XXXX and XXXX XXXX but they have also decided that, they are not reinvesting these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I have tried to make a charge on my card # XXXX, but my charge was declined. 
on XXXX XXXX, 2015. I called customer service and was told that JP Morgan chas had unilaterally closed this account as well as my other chase credit card account # XXXX. 
When I asked was JP Morgan chase closed my accounts. i did not get any answer from customer service representative XXXX and his supervisor, except that theydecided to do close my accounts. 
XXXX my account were in good standing, not in default. I have always made payments on time. However, Chase had consistently discriminated against me based on racial bias in the past, and I have several current complaints against Chase with Financial Consumer Protection Bureau, I insist that the closure of my accounts by chase was in retaliation for my complaints of racial discrimination against me by chase to the Consumer Finacial Protection Bureau. The closing of my accounts by chase is unlawful retaliation for my complaints to Consumer Financial Protection Bureau and is a violation of federal fair credit act. ON top of that chase had closed my XXXX account XXXX year before its anniversary when they had to provide a free night state certificate for me XXXX. by closing my account now, chase is trying to avoid the expense of providing me with the said certificate. these actions of chase are illega.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: Venmo approved funds to be loaded from debit cards into my husband 's account and to be transferred to my Venmo account. 

I initiated a bank transfer, but venmo wo n't release the funds from my account to be deposited into my checking account. I do n't have access to the funds and no way to contact Venmo other than email. 

Address/ssn/drivers license have been submitted to venmo to verify identity, but funds are still frozen. 

I have attached a copy of frozen bank transfer email confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Did not apply for a credit card with this company

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Auto) with Bilateral Credit Corp, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Today my husband XXXX XXXX, received a disturbing call from XXXX with Bilateral Credit. XXXX NY Bilateral Credit XXXX, Ext XXXX XXXX advised him he was calling re a debt incurred over 2 years ago with XXXX XXXX XXXX XXXX 
My husband XXXX XXXX, and i filed Ch XXXX and were discharged from bankruptcy XXXX. He advised the collector we filed bankruptcy and he then began using harassing language, advising he would continue calling until the debt was paid. I have also received several calls on my cell phone from this office, but voicemails were left as I neglected to return the calls since they addressed my husband. 
In addition, I can provide a copy of my filed list with the bankruptcy courts as we listed all parties that reports on our credit at the time of filing XXXX. 
Please respond with any requests for documents or call history records as necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NM).
Issue: Credit card protection / Debt protection

Complaint: I 'm currently going thru a divorce and no longer living in my home. My husband contacted XXXX where we have a joint credit card. He said the card is lost/stolen and requested a new card in my name be sent to the marital home. I reported this to XXXX and said that I can not gain repossession of the card in my name and want it canceled it immediately or to have them contact my husband to have him cancel the card. Also asked for them to reissue a new card directly to me. They refused and are keeping an inactivated / open line of credit on my name, when I want it closed and do not want the information on the magnetic strip compromised, or to have the card activated post divorce and have any surprises.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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: Account status incorrect

Complaint: In XX/XX/XXXX, I got the statement for Pell-Grant over payment from XXXX XXXX XXXX XXXX.
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down 50 points IN XX/XX/XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and XXXX XXXX XXXX XXXX at all until XX/XX/XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XX/XX/XXXX ). 
When I got my statement from XXXX XXXX XXXX XXXX, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XX/XX/XXXX. This issue reported at XX/XX/XXXX from XXXX XXXX XXXX XXXX. I do n't  understand why. I did n't get any letter, email, statement or bill before XX/XX/XXXX. Simply I got the statement in XX/XX/XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XX/XX/XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XX/XX/XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XX/XX/XXXX Now I am in extremely hard time. Please help me.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Can't stop charges to bank account

Complaint: They denied me the ability to pay the loan off. Very rude and unprofessional. They want me to keep paying this loan every payday. I need assistance with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am not aware is this account. I was not of age when account was even open. I would like this remove from my  credit score .

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: We purchased a car through   XXXX   XXXX   XXXX   that was financed throug h Westlake Financial i n  XXXX   2015 . We had to pay {$7000.00} cash down and another {$2000.00} to  XXXX   XXXX   XXXX  to sponsor the deal. After a year of payments and no tag, I contacted  Westlake Financial and asked if they could assist they had the title to the car. Westlake informed me that they did not have it but would be able to get it for me, if I signed some documents for me. After about 3 months, I again called Westlake Financial and sp oke to  XXXX   XXXX  and was told that the title had not been obtaine d. Westlake then stated that they could pick up the car and at the time that they had the car in their possession, they would then mail me a check for my money. The Westlake a gent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket costs so far - {$16000.00}. The interest rate on this loan was : $ 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Medical phone # XXXX calls every single day Monday through Friday at all times of the day for the last 3 months. They have been demanding payment for a {$25.00} debt from an unknown medical expense. They refuse to provide any information or details describing the debt e.g. date of debt, company owed, and for what services. American Medical has refused to send any documentation of the debt in writing to me. They have refused to provide any information about their company. I do not feel safe with providing anyone my personal credit card information or making a payment without knowing who I 'm sending it to and what I 'm paying for. 

I have never left any debt unpaid to avoid hurting my credit, therefore I need information of the debt to avoid paying a debt that I already paid for, or paying for a debt charged to me by mistake. If that is the case, I wish to dispute any wrongfully charged debts. 

I have requested for them XXXX different times to stop the harassing phone calls, and they have continued to call everyday. The last representative 's name was XXXX and I asked her to remove me again from their calling list. I have photo documentation of all the calls they have made to my phone. 

I would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: American Express " cancelled '' my Gold card account. They considered me a credit risk. They lied to me over the phone stating they have proof that I had opened certain e-mails pertaining to the fact that recent payments were returned unpaid by my bank. 
I offered to pay the outstanding balance in full, less the dollar equivalence of the reward points earned and not yet redeemed. They declined, stating that all reward points are forfeited when the account is closed. So after paying the outstanding balance, less {$1.00} for every XXXX points, they put the account into collections for the reward points balance ( {$2700.00} ). They are not responding to my letters that lay out the case that I never was a credit risk, that I was in a financial position to pay off the balance in full, suggesting they should have issued a rewards point credit to the account prior to cancellation ( or at the very least transfer the reward point balance to a different rewards program outside of American Express ). But instead they decided to unscrupulously put the rewards balance into collections. In reading the very fine print of terms and conditions of card usage, they do state that reward points are lost if the card is cancelled. Like all other credit cards that I hold, I had never considered reading the terms and conditions. Not only should American Express make greater efforts to expose their card holders to their hidden and deceptive policies, but I believe their ability of being allowed to cancel a card at their discretion at any time should be challenged by US lawmakers as flawed as it only serves their interests with complete disdain for their card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being billed by XXXX recurrently for a line of service and phone that I did not sign up for or own. I was also told by a bank that my address submitted to them, via a credit card application, did not match the address within the credit bureaus. I am concerned about identity theft and fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complaint related to the non-answer on Complaint # XXXX I received from Bayview on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ( attached ). The original complaint : Describe what happened so we can understand the issue ... 
I had a loan on a home in Florida of which the mortgage was purchased Purchased in late XXXX and became serviced by Bayview Loan Servicing. The property was surrendered last XXXX in a Deed in Lieu transaction. On XXXX/XXXX/XXXX ; I received a XXXX from Bayview with the incorrect Fair Market Value of the home and therefore, the incorrect amount of discharged debt. The XXXX was not filed on a timely basis and incorrect information was given the the IRS. 

My response : To Bayviewloanservicing Customerservice XXXX XXXX CC CPA XXXX XXXX XXXX Message body To Whom It May Concern : I have received your response to my inquiry dated XXXX/XXXX/XXXX and have further asked the CFPB to pursue my complaint. I believe the XXXX ( Corrected ) document I received on XXXX/XXXX/XXXX is ( a ) in error in its amount and ( b ) not received in a timely fashion and ( c ) the original from was never issued to me ( if this is indeed a " Corrected '' version ). The pertinent paragraph in my DIL documents was unequivocal : Inline image If you were to pick another FMV of the property ( from the several appraisals you conducted ) ; it should have been immortalized in the Document of DIL. I 'm am not a expert here but am sure you 've violated IRS rules in the timing of issue ( my quick research indicates that XXXX 's for Cancellation of Debt are due to Taxpayer by XXXX XXXX ) and in the amount on the XXXX Corrected. Please correct this mistake immediately. 

Attached : Your XXXX/XXXX/XXXX Response The DIL documents signed XXXX/XXXX/XXXX XXXX Corrected received XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Cell XXXX Bayview has now delayed me again on this response. I believe they are outside of IRS and Consumer Finance laws here but they refused to answer a call of try honestly to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation