milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CFM Group LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been in contact with the representative for the account they are trying to settle. I am not authorized by the company I work for to make financial decisions, therefore, I must wait until authorized personnel respond to my contact attempts to resolve. 

This company continues to call multiple times per day, and dials every extension in the company and leaves multiple messages. 

This is illegal, and yet, they are allowed to continue to practice in such a manner. My company wishes for their aggressive attempts to cease immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account.  There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with  a new account number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NAVIENT, A NEW NAME FOR SAME OLD SHADY XXXX XXXX. EVERY TIME I MADE AN EXTRA AMOUNT TOWARDS PRINCIPL TO PAY OFF MY LOAN EARLY. BUT THEY KEEP POSTING THE EXTRA AMOUNT TOWARDS MY NEXT PAYMENT. I CONTACTED THEM SEVERAL TIMES BY EMAIL AND PHONE, BUT REFUSED TO DO WHAT I INSTRUCTED. KEEP READING THE SAME GARBAGE FROM FREQUENTLY ASKED Q AND A. MY ACCOUNT IS CURRENT AND I ALWAYS PAY ONLINE. THIS IS ANOTHER WAY TO KEEP THEIR CUSTOMER IN DEBT BY TAKING PRE PAY INTERESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unable to reach this company. Reporting a debt on my Credit Report. Had Bankruptcy in 2010. Would like them to validate the debt or remove the negative item from my CR report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, I had made a deposit of {$55.00} at the Capital One Bank in XXXX, Md to my credit card ending in XXXX. When I returned home to check my account, my online account was restricted. I had called Capital One and they requested for me to go to the branch Capital One bank to verify my identity. I went to the bank XXXX mins after the call and done what was requested. Prior before leaving I was told that my account will be back up and running and to not worry about anything. I have repeatedly call for XXXX weeks asking what has happened to my account for them to close it. I have talked to the Capital One Fraud Supervisor who could not tell me why they close my account. They have sent me no notice of intent to close, fraud or anything of that nature. Nobody can give me an answer of why my account is restricted. It is fishy to me that my account went closed after I made a cash deposit in the bank. I am applying for mortgage next month and due to my account being restricted or closed, I can not pay down my balance to lower my utilization rate. The Fraud Supervisor told me I could still make payments but when I went to pay down on it the branch tellers told me I could n't because the account was closed due to Fraud. I am worried about my credit score and can not get any answers from no Supervisors of Capital One. All they keep saying is my account is under investigation for Fraud but they have found no Fraud on my end. So I keep asking why do my credit score has to suffer because of something they are messing up on. They can not give me a clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I worked as a manager for a cell phone store. The cell phone store issued me an american express card to purchase items for the store. The LLC should be responsible for the debt, not an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : Ally Financial Inquiry : XXXX I never authorized Ally Financial nor XXXX to pull my credit in the months of XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is supposed to be deleted from my credit report.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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 02-05-2018 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called in to Transunion because I was a victim of their inquiry issue section 6-11 of the fair debt credit report act and they refused to remove the inquiries that were n't mine Which are : XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX and  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/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
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.

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 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MSW Capital, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.

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 08-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: CITI BANK is charging me late fees without sending me a bill. CITI claim they are sending me a bill but now I don ' believe them because this has happened before and I contacted them about this problem and they are blaming it on the Post office, but I received my other bills with no problem. Because I pay my bills on line they have taken for granted I know the due date, but I do not have a paperless account with them, I need to see my bill monthly. They claim my bill was due on XX/XX/XXXX, they called me on XX/XX/XXXX after they had already late charged me for another {$25.00}, and I think that is what they are after, those late fees.

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 01/17/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Taking out the loan or lease

Complaint: Around XXXX XXXX, XXXX i purchased a XXXX XXXX XXXX for the advertised price of roughly XXXX XXXX. i was told That Credit acceptance can not authorize me to purchase a vehicle higher than that price, and that after 1 years of on-time payments i can refinance and purchase a different car. When i contacted Credit Acceptance to refinance, they told me there is nothing they can do. Due to Credit Acceptance High interest Rate ( I currently Pay 23.99 % APR ) No one will refinance at {$16000.00} loan for a car that is only worth roughly {$6000.00}. by time the care is paid off i will have paid over {$30000.00} for a car when credit acceptance and its representing dealer told me they can not finance me for anything over {$14000.00}. I believe that not only my down payment for the vehicle was misrepresented in the final quote, but also that Credit Acceptance knowingly Provided me with false information so that they can illegally charge me an outrages APR. Currently whenever i make a payment i am not given a receipt for the remaining balance and i also noticed that out of my payment of XXXX every month only XXXX of it is applied to the principle value of the car. Credit acceptance needs to be investigated for deceptive practices as well as false advertisement. If an individual can only be approved for {$14000.00} car how do they end up paying over {$30000.00} in the end?.

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 07-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX my Chapter XXXX Bankruptcy was discharged, and Ocwen was included in the Chapter XXXX. 
In XX/XX/XXXX I applied for a loan modification with Ocwen. 
In XX/XX/XXXX, I was approved for a XXXX loan. I as well as Ocwen signed the documents. 
Since the modification, Ocwen reported my payments to the XXXX main credit bureaus MONTHLY. Which helped build my credit. 
In XX/XX/XXXX, my credit score with XXXX was XXXX ( fair ). I got credit card offers and was approved for XXXX credit cards. 
In XX/XX/XXXX, Ocwen sent me a letter stating they had reported in error and contacted the XXXX main credit bureaus, and told them my account was closed, removed all of my on time payments, and now refuses to report my payments. 
in XX/XX/XXXX my XXXX credit score dropped to XXXX ( poor ). Now I have been denied an auto loan, and multiple credit cards. 
I would like Ocwen to report my payments, but since they cant, and ruined my credit. They should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with COOLEY ENTERPRISES INC (TX).
Issue: Taking out the loan or lease

Complaint: I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: this debit was paid to XXXX on XXXX/XXXX/2010 they never provided me a letter stating that the debt was settled in full. i did not settle for partial it was settled in full as the cards limit was anywere from {$300.00} to {$400.00} secured credit card i paid the balance they gave me of XXXX which included fees and accrued interest. This i now that XXXX time my settled in debit was sold by XXXX to another collections agency and i am quite frankly tired of cleaning up and being held responsible for something XXXX failed to do which is report accurate information to all XXXX credit bureaus and cease collections activity. I am not filing a complaint with CFPB in hopes that this activity and negative information is finally and permanantly removed off my record including credit report. i will provide a copy of my bank statement as proof that it was paid since XXXX never sent me a letter showing that the debt was settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (OR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Cavalry has been reporting a debt that I do not recognize and I have requested debt verification/validation multiple times. Cavalry has  not sent me anything but statements from  XXXX   XXXX . I have requested the original contract and I have requested the original contract that shows their right to contact me regarding this debt. They have failed to provide this information. In addition, they have failed to mark my credit rep ort ( s ) with an indication of my dispute. They continue to report this debt and have violated my right under the Fair Debt Collection Act to en sure this debt is mine. After I disputed this information, they continued collection efforts despite the statute of limitations being expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: We originally had a loan in about XXXX with XXXX, due to the economic condition at that time, we were unable to maintain the loan. The loan subsequently fell behind and was in a charge off status in XXXX. The loan subsequently transferred hands to various different lenders, XXXX lender was XXXX which reported the XXXX XXXX on out credit as a charge off. This particular loan was then bought and transferred to XXXX XXXX in XXXX, i may add the loan was bought in a charged off status. Earlier this year XXXX XXXX, XXXX XXXX finally decided to charge off the loan again. I contacted the credit bureau on more than XXXX occasion as well as made contact with XXXX XXXX. I explained to them the debt was charged off XXXX and should have been removed from our credit report about XXXX. The only response from Equifax is that they confirmed the debt was mine, they put a current charge off on my credit report and put the charge off on my wifes credit for about 6 years ago. I believe this is an attempt for XXXX XXXX to re-age this old debt in an attempt to keep it on my credit report longer than the statutory 7 years. When XXXX XXXX charged off the debt in XXXX, that should have been an internal process not one that should still affect me the consumer. 
I am not sure if my complaint should be against the Credit Bureau because they are not holding XXXX XXXX to any standards too report correct information or if my complaint should be against XXXX XXXX. Either way, I have no other options but to contact your Agency to determine if you can help us and what is the path to an amicable solution. 
Thank you for any assistance you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid off after contacted by recovery service which at the time offered payment just only principal balance rather than principal and interest also penalty. The settlement was paid off.

Company response to consumer: Closed with explanation