milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have notified Equifax numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Equifax on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle on XXXX XXXX and got it financed through ALLY FINANCIAL with a monthly payment of {$230.00}. I was making all my payments to ally financial on time and from time to time I was paying XXXX or XXXX XXXX dollars extra. unfortunately on XXXX XXXX I was not in USA and was in my country on a family emergency and since I was paying extra every month I assumed I can pay {$180.00} and still be fine with my monthly payments and would not be late on my account. next thing I know I get an alert from my credit report agency that I have a 30 days late on my car payment. immediately I called up ALLY FINANCIAL and spoke to a supervisor and told him exactly what I just described and he promised me as a courtesy he is going to remove the 30 days late charge. Obviously they did not remove the 30 days late. since then I have been in contact with ALLY FINACIAL and had requested to send to me a copy of all the payment that I had made to them and how it was applied and also requested to send me when they had sent me a note to states they are going to report me to credit bureaus for a late pay.

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 08/15/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company of XXXX XXXX XXXX ( XXXX XXXX has repeatedly contacted me in regards to a Debt owed by a XXXX ( XXXX? ) XXXX. I have attempted to inform them that I am not XXXX XXXX on several occasions and have requested to have my number removed from their files. Each time I tell them that they have a wrong number they get verbally abusive and profane. Additionally, they have informed me of who XXXX XXXX 's creditor is ( Chase Credit Card ) and the amount of the debt ( $ XXXX ) and then used a threatening tactic of stating that they are going to file a lawsuit against me unless they get their money. I have had my number for 14 years. I do not know XXXX XXXX, do not know how to contact XXXX XXXX, and have never had contact with XXXX XXXX as far as I am aware. Further, this is a business number and their repeated calls are impacting my business in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Collection placed illegally a lien on my home. I do not owe them any money. They ignored the statute of limitations to collect a debt. ( Arizona 3 years ) After hat the debt is considered uncollectable. They may have gotten a hold of an old account that was discharged in XXXX. That company does not disclose any information about this debt. They never informed me and my husband of a lien being placed on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to  XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business  days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.

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 07/26/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ON CREDIT REPORT FOR THE AMOUNT OF XXXX PLACED IN COLLECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I did a loan modification with Countrywide Home Loans in XX/XX/XXXX with a fixed interest rate of 6.50 percent. My loan transferred then to Bank of America and that 's when the problems started. I received a letter from Bank of America in XXXX XXXX stating that there was missing documentation from my loan modification agreement and the interest rate should have changed in XXXX/XXXX/XXXX from 6.50 percent to 9.875 percent. Well they changed my interest rate from 6.50 to 9.875 which made my monthly payment amount go up {$300.00} dollars a month. I can not afford this and I am going to lose my house if something is not changed.

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 12/29/2017 about Debt collection (Other debt) with Total Card, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I just want keybank to partner with the new app called XXXX. I think it a really convenient application .i would really appreciate it if we could use this application

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying to correct my credit report since XXXX XXXX, XXXX. Equifax and Experian have corrected the information. Transunion has not. I have contacted them by phone more than five times. I have also filed more than five disputes. I sent a written dispute at the end of XXXX XXXX with a copy of my mortgage bill for XXXX XXXX. I filed bankruptcy in XXXX XXXX. The bankruptcy was discharged on XXXX XXXX, XXXX. I was and still am in the home. I am paying the mortgage on time. A manager and I contacted Transunion. The representative was told that my information was being sent to them by the manager. The representative told us that he could not continue the three-way call. The letter that was sent was XX/XX/XXXX, with a copy of the bill. By XXXX XXXX, which had not been 30 days, I received a reply that SNC had not responded to Transunion. Transunion removed XXXX from my credit file. The XXXX manager and I made the call, after I received the letter. My auto insurance is due to be renewed. They will raise my rates, because of my credit report. Can you help me with this? This is unacceptable. The credit bureaus should have to refund the money that they receive from the companies that pay for reporting. The money should be put in a fund for consumers to use, or refunded to the consumer whose credit is affected. I would like my Transunion credit report corrected to show that I am paying SNC Servicing, my mortgage company, on time, since the beginning of the mortgage. I would like a letter of apology. 

Thank you, 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I applied to Goodyear Credit card services    XXXX   XXXX    as well as  XXXX   XXXX  and was told both times I have an account already with them and my account is in default. But in  XXXX   XXXX  I filed bankruptcy and all my debts were  discharged  and I should owe nothing nor have any record with them.     I contacted my Bankruptcy lawyer and he told me to first send copy of Discharge paperwork which I did in late  XXXX  to  Goodyear Credit Services  but as of today  XXXX   XXXX  never heard anything and when I try to apply online for any type of credit I am informed this balance is still owed. My attorney then told me to contact the CFPB and file a complaint.     Also I had another similar instance with a bank I had done business with and was told I still owed the bank money (  XXXX   XXXX   ).   (    XXXX   XXXX   ).     I wrote the  Goodyear  Card Services ( See attached ) and never received any type of reply and that was  XXXX , while the bank still holding this against me was also  XXXX , but the credit union who conveyed this to me on the bank said there was nothing I can do to correct as even though my debts were  discharged  my negative record/report was going to remain on this report indefinitely. I have nothing from   XXXX    XXXX   or the  XXXX   XXXX   XXXX  to show as I was verbally told by the  XXXX   XXXX   XXXX  in  XXXX , CA. I can provide more info to your office on this credit union if you want to privately email 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 10-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A firm called Portfolio Recovery has been calling my home phone number, XXXX XXXX XXXX about debt owed by my deceased and ex wife of 27 years ago , XXXX XXXX XXXX. I have asked them repeatedly to stop calling me and referred them to the executor of XXXX XXXX estate. They continue to call and call our home phone number and insinuate that I am lying about my ex wife martial situation and estate. 

The number they call from is XXXX XXXX XXXX, although this changes from call to call. 

Please report to all that this firm is unreasonable, and will hound you to the point of violation of every ethic that is embodied in the fair credit act and consumer protection laws. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Debt collection (Payday loan) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. 
A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with WELLS FARGO & COMPANY (NE).
Issue: Credit determination

Complaint: I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I CLOSED XXXX ACCT AND REAL ESTATE COMPANY/LANDLORD DELAYED THE ACCT CLOSURE UNTIL THEY HAD SOLD AND CLOSED ON THE HOME I WAS RENTING.  THEY ASSUMED MY IDENTITY AND ISSUED APPROVAL FOR ACCOUNT TO REMAIN OPEN IN MY NAME.  BULL CITY HAS BEEN ADVISED OF THIS AND HAS CONTIUNALLY EVADED THE TRUTH OF THE ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has taken more than 40 days to conduct and conclude an investigation to a dispute on sent on XX/XX/2017. It is now XXXX and I have not received anything. They never sent me a copy of results nor did they updated their online credit monitoring which still says " pending. '' They have also deleted some inaccuracies but illegally reinserted those items without let me know within the 5 day timeframe set forth by the FCRA. Attached is a screen shot of the non updated dispute which shows that it is still " pending. '' And a letter to redispute the times that were never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Complaint about Chase/XXXX Credit Card Offer I was prompted on XX/XX/XXXX to pay for XXXX XXXX flights costing {$2100.00} with a new Chase/XXXX Signature credit card by a promotion on XXXX 's website. The advertising asked that I apply for the credit card and immediately pay for the flight I was currently booking ( see attached document and link ) to obtain XXXX bonus XXXX after you spend {$2000.00} on purchases within the first 3 months of account opening '. I assumed payment of the flights would allow me to access the XXXX bonus XXXX. After going through the lengthy process of applying for the card, instead of being taken straight to the payment section to pay via my new card I received this email message ( on XX/XX/XXXX ) : 'We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ' ( see attached email ). 

This of course made it impossible for me to take advantage of the stated offer to : 'Yes, I'd like to apply for the Card and use it to pay for this flight ' and obtain the XXXX bonus XXXX. ( See PDF of Offer ) On complaining to Chase that the 30-day approval procedure rendered the offer to apply and pay for flights with the card ( and obtain the promised Bonus XXXX ) an impossibility, I received the vague statement below. This whole offer seems like bait and switch to me. 

Date : XX/XX/XXXX XXXX From : Chase Card Services Subject : Re : Rewards Inquiry Message : Hello XXXX, Thank you for contacting Chase regarding your XXXX XXXX account. My name is XXXX and I am an Account Manager within our Secure Message Center. Our Email Specialists have taken the time to escalate your message for review of the account. I understand and respect your position regarding this issue. 

I'm sorry our efforts to assist you did not result in the outcome you had expected. We ask that you trust that this decision is the same for all customers. We feel adhering to the policy for all customers is the best way to remain fair and consistent. 

The offer terms are provided when applying for the card. 
There may be different offers available based on the link using to apply for the card. I apologize that the terms are unable to be changed. I appreciate your feedback and thank you again for your time. 

We appreciate your business and thank you for being a Chase customer. 

Sincerely, XXXX Senior Service Specialist XXXX ext XXXX Tuesday through Friday, XXXX XXXX. to XXXX XXXX. Central Standard Time

Company response to consumer: Closed with explanation