milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I disputed the credit card account with XXXX XXXX indicating the account was not mine. I informed them that I have no idea where the account originated from and needed for them to verify the account. I did not receive any information validating that the account was truly verified. I also contacted the creditor and the collections agency indicating that the account was not mine and to please verify the accounts. I have not received any documentation from the creditor and the collections agency. On XXXX XXXX, XXXX, I reviewed my credit reports and the original creditor, XXXX XXXX and the collections agency, LVNV Funding, LLC, are both attempting to collect on the same debt. This is a credit card debt that is showing twice on my credit that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit card () with U.S. BANCORP (NJ).
Issue: Advertising and marketing

Complaint: In late XXXX, I applied for a XXXX XXXX credit card from U.S. Bank. It advertised that for cardholders, the last night of each XXXX XXXX hotel award stay is free. I signed up for the credit card with that benefit as my primary motivation. Then, about a month after I received the card and after they charged me a {$75.00} annual fee for the benefit, U.S. Bank announced they 're no longer offer the last award night free benefit. I think that 's extremely deceptive. I called in to say how disappointed I was and see if U.S. Bank is offering compensation. They offered me XXXX XXXX XXXX points, which is next to nothing. For reference, the closest XXXX XXXX hotel to me in New Jersey is charging either {$100.00} or XXXX points for a room tonight. That 's a value of approximately {$0.00} per point. That would mean XXXX points is worth {$7.00}. That 's not even close to fair compensation for a benefit worth a free hotel nights ; a benefit that I already paid for through the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: Synchrony bank is absolutely disgraceful. A customer service representative told me that I could make a minimum payment without receiving a late fee. I was still assessed a late fee and concurrently assessed a late fee every month thereafter even though I was making payments. I 've tried calling and filing complaints and each time i 'm either given the run around and directed to people who tell me flat out that they ca n't help. I told them that I would no longer make payments towards the account if they were still going to charge me a late fee even though I was making on time payments. At this point I do not know what to do. The are impossible to work with and they 're ruining my credit score. I do n't know what to do.

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 monetary relief
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Years ago I discovered that someone was using my information to get a phone in XXXX At once I contacted both XXXX and Equifax to notify them about the problem and also forwarded the information on the XXXX department that I had contacted. XXXX fixed the problem, but I have been fighting for years to get Equifax to fix this problem and remove the problem. But as of today they are still reporting the XXXX address as mine and not as the Identity Theft that it was. I am very frustrated with Equifax for ignoring this problem and not even responding to my many communications with them!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION ACCOUNT NEVER LATE / NO KNOWLEDGE OF THE COLLECTIONS ACCOUNT.

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 03-01-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Recently I logged into my Bank of America portal and I noticed a charge on two separate accounts. One account is business checking account and {$1200.00} was debited on XX/XX/2018, and another account is personal family joint checking account and {$2200.00} was debited on the same date XX/XX/2018. These transactions were initiated by the bank by utilizing what they call " Setting OFF '' I never heard of this before, but after doing some research it seams that it is legal. However, my business was not doing well due to not being able to get insurance coverage because my drivers got into too many accidents in one year. This had put a screeching hault into my operations. In addition I was in the midst of my divorce and was not able to put 100 % of my time and my mind into running the day to day operations. I was trying to stay afloat, and pay for things that needed immediate attention like vehicle leases, insurance, workers comp. employee salary, as well as roof over my head and food. As you can imagine my surprise when I saw money being withdrawn without my authorization. One of the accounts, the family joint checking account from where {$2400.00} was taken out, is an account which is shared with my brother, and most of that money is not mine to give! I am shocked and in distress because of this. I have been on XXXX for the last 3 months because of my divorce and other issues, and to have this fall on top of my head out of the blue without any formal notice is making me XXXX XXXX. I spoke to Bank of America and told the agent that my XXXX XXXX is up and that this is not the right way to handle this situation. After all, I could have a XXXX XXXX and XXXX. From whom they will get their money then? I asked her if it would be possible to take {$1200.00} for now and give me a chance to catch up to the rest. She had no good reply. I dont know what to do. This is just very XXXX. I am ready to simply give up. Please let me know if you have any answers or solutions fast. Thank you kindly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NC).
Issue: Charged fees or interest you didn't expect

Complaint: On X/XX/2017, I checked my account balance and it said that I actually owed more than I borrowed! At this point I had made two ( 2 ) payments of {$110.00} ; one on X/XX/2017 and another on X/XX/2017. When I called and inquired as to why this was, I got some long-winded excuse as to why the balance was so high ; something about accumulating interest. I expressed how violated I felt and how I felt like I was being taken advantage of and ended the conversation. Remarkably, since that conversation, the balance shows less than what I owe, but the majority of the payments I am making, at least 95 % of them, is going to interest and not principal. To date I have made 5 payments totaling {$590.00}. My balance according to Spotloan.com is {$510.00}. So out of the {$590.00} I have paid thus far, only {$81.00} has gone towards the principal. I have screenshots of the balance that showed on X/XX/2017, and subsequent balances on screenshots since. On X/X/2017 I have a screenshot that shows a balance of {$540.00}. 4 days later on X/X/2017, I have a screenshot showing a balance of {$560.00}! How did it increase in 4 days???? It 's just so ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed on my credit report medical bills that were placed on my files with XXXX, XXXX, and TransUnion that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I lost my American Express credit card and called American Express. They said they sent me a new card. I never received the card. I tried to call several times but the wait is over 20 minutes. I got a bill for the annual fee. I called to cancel because I never received the card. When I called they kept trying to sell me on getting a " blue card '' and a big promotion they were having. I told the rep I just wanted the {$450.00} charge removed. He said yes for sure but I needed to apply for the blue card and must get a green card. He talked me into it so I agreed because I couldnt ' get him to just get rid of the card fees that i never rec 'd. A few weeks went by and AMEX only credited {$370.00}, not the {$450.00} they promised. I called several times but am not allowed to call from work. I work XXXX hours a day because I am a sole provider trying to support a family. My husband lost his job in XXXX. I can not call from work. I do not have time to call and sit on hold for 20 minutes. Today I called and sat on hold for 20 minutes. The rep, ID # XXXX said he did n't believe me and would n't reverse any charges and kept talking over me so that I could n't talk. American Express is now harassing their customers and telling them lies and making them sit on long hold periods to steal their money, how is this legal? He would n't do anything for me but harass me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with Capital Management Services, LP (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capital Management Services calls multiple times per day, but will not say who they are calling for at my number. When I return the call, they ask for my name and the last XXXX digits of my SSN, but I refuse to give them that information. I will gladly provide my phone number ( since they already have it ), but they can not cross reference a number to a person. They threaten to garnish my wages, but they do n't even know who I am. This can not be a legitimate debt collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with Auto Now Financial Services, Inc. (AZ).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX from Auto Now Financial also known as XXXX on XX/XX/2016. On XX/XX/2016 someone wrecked into me totalling my car. The dealer Auto Now Financial informed me of a program they offer to get me into another car through their company once the insurance company paid off my XXXX. The program was explained to me that I only pay {$98.00} to drive off the lot. This money covers the auto insurance that they provided for me. I chose a car on XX/XX/2016 a XXXX. Within XXXX or XXXX days of driving the car I returned it to the dealer complaining of the front end did not feel safe. I was told they do not cover new tires. I then took the car to another mechanic and was told the XXXX was not safe to drive on and would need to be fixed immediately. I then took it back to Auto Now and informed them of this. They kept my car for one day then rerurned it to me stating it was the tires and again it is not covered under warranty. I requested that in writing and they refused. I then contacted the finance department and informed them I will not make the scheduled payment of {$500.00} due on XX/XX/2016 or the first payment of {$210.00} due on XX/XX/2016. They repossessed the car on XX/XX/2016 when the temporary plate had expired and sold it in auction on XX/XX/2016. Auto Action then reported the car on my credit report as an open loan for {$10000.00} showing XXXX payments being made in good standing. Their action has kept me from being able to finance another vehicle. I was informed by another dealership that a loan is not funded by the lender if the buyer fails to make the first payment, ie down payment. I have information about the issues with the car from the previous owner of this vehicle showing the malfunctions were previously known by the dealer. These actions look like various forms of fraud by the dealership not only to consumers but to financial institutions and insurance companies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon pulling my Annual Credit Report i have noticed a listing with XXXX credit bureau from Eastern Account Systems for XXXX. The listing stated under the comments that is was for XXXX XXXX service. I submitted a dispute with XXXX Credit bureau because i do not recall ever owing a bill to XXXX XXXX service provider. I have recently acquired an account with XXXX XXXX for Internet and cable services. Upon applying for service the representative pulled my credit to be sure i would get approved for service with them. I told the representative about the alleged bill with Eastern Account Systems that is listed on my credit reports for an account with them and asked would he be able to see if i owed them a balance internally. The representative informed me that after doing an extensive search with my social and name that he did not see anything in their system for me. He also informed me that if i had an old account with them that is not showing up in their system it would ONLY be because the account is outside of the statute of limitations. A debt that long ago XXXX legally could not go after and that would not keep new customers from opening new accounts with XXXX. He also stated that i should definitely look into this matter because this account was not ASSIGNED to Eastern Account Systems by them and that if this debt happened to be ours it is by now outside of the statute of limitations for any collection agency to collect on anyway!! He also stated that this agency should know the collection laws and should be abiding by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I was in a car accident with my XX/XX/XXXX XXXX XXXX. I had insurance as well as gap insurance. In XX/XX/XXXX my personal insurance paid 5000 plus towards the loan and my gap insurance paid the remaining balance. I received a letter from Santander Consumer that my loan was satisfied and the lien was released from the title. I have enclosed a copy of the letter from Santander Consumer. I have contacted the company multiple times and was unsuccessful with getting them to remove the false information from my 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Debt was found by checking credit score. No attempts at communication have been made between myself or any party related to me. Therefore I have been completely unaware of this debt, or what it is even for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft. I have accounts on my credit that do not belong to me, i spoke with transunion they instructed me to get a police report and send it in to them, I did so. Transunion deleted only some of the items and then reinserted them, they are also reinserted without any payment information, open and closing information for me to use in a new police report. i called and spoke to them they told me to resend info and i did so. They are not deleting the information or even acknowledging the police report. I have submitted identity theft information 3 times with the credit bureau to no avail.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX 2016, I submitted a complaint related to a XXXX XXXX XXXX card that was used without my permission to purchase and reload dozens of XXXX gift cards. XXXX XXXX was nonresponsive. The CFPB contacted them and XXXX XXXX settled the account. I am now attempting to purchase a home and the late fees associated with these charges is majorly negatively impacting my credit score and subsequent interest rate on a mortgage. I have been informed that I need to make a complaint to the three major credit agencies to have this information removed to salvage my credit score. Please contact me as soon as possible regarding this urgent matter.
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XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation