milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

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 02-01-2018 about Debt collection (Other debt) with ProCollect, Inc (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An letter for debt validation was submitted to the company, ProCollect, asking the company to submit the proper documentation to state that I am legally obligated to pay the amount of XXXX. A letter was returned to me from ProCollect stating that their client contends that this is a true and valid debt and supplied me with a copy of a rent least as supposed proof of this debt. The Collection agency is not bonded in the state of Louisiana to collect Debt and i will like for them to remove it off 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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (FL).
Issue: Confusing or misleading advertising or marketing

Complaint: I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. 

I am concerned about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, there is a 2012 Chapter XXXX Bankruptcy item with docket number XXXX that was added on my history that I have been disputing for the last 7 months to get this item removed. 

I have talked with with several representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a manager and inquired from Experian on how credit bureaus verify their public records. I want to know this information because the bankruptcy keeps coming back as verified every time. I had 4 representatives inform me that the dispute is sent as a memorandum to the courthouse via XXXX. Once the court verifies it, the information is mailed back to the credit bureau. 

To make sure the correct information was relayed, I contacted the court house and they told me that they do n't report any information to the credit bureaus. 

I decided to call Experian back to speak with another manager, but this time they advised that the information is given by the runner who goes to the court house. 

I asked what information does the runner give to the courthouse, and how & what kind of physical information does the runner report to the credit bureaus. They could not answer that information and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Experian refuses to give my physical documentation that they use to verify this bankruptcy is mine and reporting accurately per the Fair Credit Reporting Act.

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 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: We have repeatedly contacted Bank of America and have received zero help. They will not provide a fax number for us to fax in our statement to prove they have unfairly billed us, and refuse to give anything but a mailing address which does not allow us to prove they received something. In addition, they realize the delay is causing my family financial harm and do not care. I have attached the statement where you can see they charged us two {$35.00} overdraft fees when the balance was over XXXX XXXX dollars, then two more on the following Monday where they cleared items in an order to maximize fees to them. They have already settled a suit years ago for this very thing. The remaining is a paste outlining my husbands details of this item. 

Bank of America has refused to resolve overdraft fee issue that is their fault. Reference the attached statement for my account. and you will see they have stolen from me, and also have repeatedly over the course of four days and five reps as well as two supervisors been dishonest. On XXXX/XXXX/XXXX my balance was {$4800.00} On that day I was charged 2 overdraft fees. One was reversed. I should n't have  even been charged an overdraft given my balance was well over the amount required to cover any transactions that day. On XXXX there was a charge for 1 {$0.00}, {$9.00}, {$5000.00} and {$90.00} They overdrafted my account again for the {$90.00} charge, and again for the {$5000.00} dollar charge. If they had put all the other charges through, I would have had only one overdraft fee, which would have been waived. Instead they charged me two overdraft fees on XXXX and two on XXXX/XXXX/XXXX. As a result I will not be able to pay other bills, which will result in approximately {$250.00} dollars in additional late fees for my mortgage and other bills. I have a copy of the printout showing that I am correct, and there should have maybe been one overdraft. The reps have repeatedly been dishonest with me when I can see the statement in front of me. Call me at the phone number I provide in this complaint with a fax number, I will send it to you and show you the statement. Further, their website repeatedly changes as to balances and fees, forcing me to make printouts to have proof, which I do have, and again, contact me, I 'll fax it to you. I also have screen print. These fees need to be reversed and I need to be compensated for my time and financial hardship. I would have made a deposit to cover, however due to the way they displayed my balances I was given zero opportunity. In effect, they did not display pending charges at any point, and instead changed balances at midnight without my knowledge. This is a shockingly overt dishonest way to do business.

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 09/15/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2016 I purchased a necklace from JC Penny 's, I also purchased the care plan with it and I was told by the sales coordinator that it would be insured if any thing happened to it. I wore it one day and the stone came off the chain, when I went back to the store with my receipt and the chain I was told that not only do they not replace lost pieces, but that it was a one of a kind stone and it could never be replaced. The store manager got involved and he told me he was sorry for the confusion and that I could purchase anything else I wanted and he would give me 50 % off. I told him I did not want any thing else, I wanted the same stone I had purchased and that I should not have to pay for it, since the insurance should replace it. I Value my credit and because of this incident, my credit score went from XXXX to XXXX. I pay my bills, I refuse to pay this one because I was so misled, I have been a very good customer of JC Penny 's I have totally lost my trust with them.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have had a personal American Express Green Card since 1996. My payments are on time and up to date. I currently had a balance due of {$810.00} for XX/XX/XXXX. But without any prior notice or warning, my account was closed on XX/XX/XXXX. I learned of this when I went to my online account. On XX/XX/XXXX, I had a message to call their XXXX number. I called and the representative said it was a mistake " because someone reported fraud. ". the rep said my card was fine. When I checked my online account two days later, my account said 'CLOSED '. I made at least 3 different phone calls. At first, no one could tell me why my account was closed. Then, the rep forwarded me to another department for help. On XX/XX/XXXX, I spent 90 minutes on the phone with many different reps to ascertain what happened and why. I finally got an answer to why was my card cancelled " this was a business decision ''. the rep said I would receive a letter. I received a letter two days later with a very short explanation stating " your card was used for unintended purposes. '' Both my daughter 's and husband 's card was also cancelled. They did not receive any letter. The AMX letter is inaccurate and false accusation. I have NEVER used the card for an unintened purpose. I use the card properly. <P/>I really think this is outrageous that this can be done. I want to know what was the business decision. <P/>thanks so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The problem is with Navient and trying to get my mother released as the cosigner. I faxed the need information per their website on XXXX-17. After 30 days and no response from Navient I called and was instructed to again send copies of my pay-stubs which I did on XXXX-17. Today I called after no response from them and was told they never received them and that I needed to re-fax more pay-stubs and that it would take another 30 days. It is important that my mother be released as cosigner and I feel that Navient is stalling this effort.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: Back on Sunday XXXX XXXX XXXX our leased auto was totaled in a car accident. Our insurance company paid the monies owed on the lease. According to an investigation by the State of New Jersey Department of Insurance Division of Insurance Consumer Protection Services Dated XXXX XXXX XXXX. " The driver of the vehicle that pulled out directly in front of us was found to be XXXX liable for the accident and damages sustained due to his failure to yield the right of way of traffic. '' It also appears that you have GAP insurance on your lease so you would not have incurred any additional fees. '' On XXXX XXXX XXXX ALLY FINANCIAL closed the account as Latest Status : Collection/Charge-Off with a balance of {$690.00} Closed - Derogatory We have sent several certified letters to ALLY Financial disputing this balance along with placed disputes with XXXX and XXXX. We would like this claimed balance owed to be removed from all credit reports and closed with paid as agreed.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a company called EOS collection was paid in full for the original creditor XXXX. I think it was a cell phone bill. I did pay off the debt and asked EOS to update the credit companies. It has been over a year that the debt was paid in full for the total amount yet it still remains on my credit reports. I am asking for them to be removed since the debt was paid in full. I have tried numerous times to contact them and asked them to call they have yet to obtain removal for credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Credit Service of Logan, Inc. (NY).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX   XXXX   XXXX  gave me an up front payment of {$100000.00} in   XXXX   XXXX   and took back {$290000.00} on   XXXX   XXXX   XXXX  . I feel that I was taken advantage of. I am a Veteran and was awarded this money by the Supreme court as a result of the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   v   XXXX   XXXX   XXXX    XXXX   XXXX  . Please help a Veteran in need.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Capital One has denied me credit by not even following their own guidelines for a credit increase. See attached paperwork for information

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to do everything we can to keep our home but seems those options are no longer a possibility. It seems that NATIONSTAR simple prefers to remove us from our home with a foreclosure or short sale. At the current market rate, NATIONSTAR will not benefit for any of these XXXX options, however I know that it will be at the best interest for NATIONSTAR to help us with the modification. 
According to Nationstar, the denial was based on that by the time the modification matured, there was a remaining balance due of {$99000.00} and due to the net property value. 
We do NOT want to lose our home and for this reason we are asking for NATIONSTAR to carefully re-review our finances and reconsider their decision. I know that with my income and my husband 's contribution income, we CAN afford our home, however we are only asking for NATIONSTAR to help us in reducing our mortgage payment. We want to stay in this home and our childrens home until our last breath however the only way we can do that is by making our mortgage more affordable within our means. 
We have also put on complaints letter thru NATIONSTAR 's CEO 's office in hopes that they will escalate my case within their office, as well as a filed complaint thru the Attorney General 's Office of the state of California and the Consumer Financial Protection Bureau. 
I hope that after NATIONSTAR re-reviews our finances more carefully, determines that the best option for them is to help us keep our home with a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX, I was approved for auto financing through XXXX XXXX Bank. On XXXX XXXX, XXXX, a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX Bank was the financing company. 

On or about XXXX XXXX, XXXX, I was informed by XXXX XXXX Bank that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX Bank and the contract was signed on XXXX XXXX, XXXX. 
A complaint was also filed on XXXX XXXX, XXXX with the XXXX of XXXX XXXX commissioner. 

Please review attached

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (I do not know) with Tormey Bewley Corporation (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 4 times over the last 5 days an automated voice message has been left from Advantage Debt Collections stating that they are trying to collect a debt but will not state who owes money. They want you to call them. I do not owe anyone any money, so I left 2 different voicemails regarding my phone number and that I did not have any debt and to please stop calling and leaving messages. I have the phone numbers ( XXXX and XXXX ) that they use on 'ignore ', but am annoyed that they keep leaving the same automated voice message.

Company response to consumer: Closed