milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a letter to ALLIED COLLECTION SVC regarding account XXXX asking to verify and validate this debt. I was notified that this account was verified with no proof of original documents with my signature. I was not give a fair and thorough investigation per the FCRA. I also believe that they may not have a license to collect in Texas.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX      XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Capital One has been calling me between the hours of XXXX and XXXX since XX/XX/XXXX. On XX/XX/XXXX I finally answered the phone and told them to not call me at this time anymore. The calls did not start again until XX/XX/XXXX when I received a phone call at XXXX. I answered and let the woman know that I was XXXX where I resided. Although she was very apologetic and exclaimed that she would file a complaint on my behalf to inform Capital One of my annoyance of their calls, she persisted to attempt to collect a debt from me. I spoke with her for 7 mins as she set a payment arrangement. She knew that it was wrong to continue to talk to me. So fast forward to XX/XX/XXXX, Capital One called me at XXXX and called on XX/XX/XXXX at  XXXX, and on XX/XX/XXXX at XXXX. They know the time zone that I live in but continue to call me at these early hours which are definitely against the law. I have

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (I do not know) with Merchants and Medical Credit Corporation, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.

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 03/18/2016 about Credit card () with DISCOVER BANK (OR).
Issue: Credit line increase/decrease

Complaint: Discover reduced my credit limit by {$1000.00} as soon as I paid the balance down {$1000.00}. This despite having an excellent payment history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Data Breach of my personal information as dated XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Delinquent account

Complaint: I recently received a notice from a collection agency that said I had an outstanding balance on my Macy 's Credit Card. I have not used this card for in over a year and have always paid the balance. When I contacted the company they informed me that they did not have the correct address or phone number for my account. Although the Collection Agency did not have any problem finding my address. I told them that I had move over 6 years prior. I have never received any notification from the company that there was a balance of $ XXXX was on my card since XXXX 2015. They now say I owe them {$250.00} in late fees and interest. They indicated that they never received the billings that were sent back. I did not receive any billing or I gladly would have paid the {$37.00} which I offered to do in my letter that was sent as a dispute. They denied my dispute and say I still owe them for a bill I never received. Citibank has not been reasonable in trying to resolve my issue.

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 05/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.

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 12-07-2017 about Debt collection (Other debt) with Rent Recover, LLC (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 01-07-2016 about Payday loan () with PAYPAL HOLDINGS INC. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I bought a timeshare and was referred by them to a six month payday loan because I wished to pay in cash. I was told I would not have to pay interest on the loan. In the fourth month of the loan, I started receiving emails stating that I had a line of credit with PayPal that I could use at any time ; emails of wonderful items were sent to me to purchase same. In my last month, I decided that wished to use the account and informed them I would leave {$500.00} balance so that my credit would show something to be recorded. On the day the loan was completed, I received an email stating I owed {$400.00} in interest. I was under the impression I would only be charged for {$500.00} of interest in order to maintain the line of credit that I did not ask for, therefore, I paid the amount in full ( {$500.00} ) that day. I asked to speak with a Paypal manager and was informed " too bad, '' I should 've paid the {$500.00} two days earlier and not assumed I would only be charged interest on money that I thought was okay to leave since that was n't part of the " short term loan. '' I was swindled into not paying the entire loan off because I thought it was " nice '' of Paypal to extend a line of credit to me, as well as a loan. Had I not received their " nice '' gesture of " giving '' me a line of credit and allowed the relationship to maintain itself, I never would 've left a balance for the " line of credit. '' I have been paying {$100.00} per month for the interest of a loan that would 've been paid if I had n't been swindled by a company I would 've never thought would swindle me. If I could have my " interest '' payments received and the remainder erased, I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: I have had a credit card with CitiBank since XX/XX/XXXX. Unfortunately, I missed the first payment because I was not accustomed to having another payment, and they raised the interest to the penalty rate 29.99 %. From that point XX/XX/XXXX, I have had on time payments. They have only reduced my interest rate to 28.74 %. When I questioned them, they said it was their prerogative when to lower it. 
I thought after 6 months of consecutive on time payments they had to return it back to the pre penalty interest rate? They refuse to talk to me, and only direct me to " send it in writing '' to a generic PO Box address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have never paid late for my XXXX card, but EQUIFAX will not remove a negative mark on my old credit card, even after sending them proof that XXXX agrees. 

Equifax customer service is unreachable and there credit reporting system is flawed. I have filed multiple disputes to Equifax with no avail. 

Equifax has been a horrible experience for their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer Navient. Navient failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted Navient and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by Navient would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, 2017 advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, 2017. I called Navient and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is Navients policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

Navient, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which Navient agreed to and approved, according to this letter Navient still would have reported the delinquencies to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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: Public record information inaccurate

Complaint: I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.

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 10-07-2016 about Bank account or service (Checking account) with U.S. BANCORP ().
Issue: Account opening, closing, or management

Complaint: Thank you, first, for the opportunity of submitting this complaint. I have received a letter dated XXXX XXXX, 2016 from US Bank ( a bank I have maintained an account with for over twenty years together with my spouse ) telling me that the bank has elected to close my account. This came as a shock to me and after contacting the bank, I was informed that the reason for the intended closure was because the bank can no longer accommodate customers who XXXX United States. I did not accept such justification but did not tell that to the bank. I am a United States citizen who maintained such accounts in a normal manner without conducting any transactions that violates any rules, terms and conditions, or laws. I do have the right to have an account at my home country, to which I will eventually return, especially knowing that the accounts I have with US Bank were there for over twenty years. There are no costs whatsoever on the part of the bank to maintain my accounts as all my statements are sent to me electronically ( online ). I do challenge the bank, professionally and with all due respect, to point out an instance where any of my accounts were used in violations of their terms and/or conditions. 
My desired resolution is to keep my accounts open with US Bank. 

Thank you again for this opportunity.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: On XX/XX/XXXX and again on the XXXX 2018 I called TransUnion Credit Reporting Agency to get XXXX inquiries off of my report that should not be there. They said I needed to talk to the fraud department who then also gave me the run around and said I should be talking to the people I first spoke with who transferred me to them in fraud department. This went on for 2 days. They said they did not know how they could help me. This action has cost me XXXX in business working capital that our business needs to operate.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank you.

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 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.

Company response to consumer: Closed with explanation