milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company is XXXX XXXX XXXX XXXX n it was a auto loan on a XXXX XXXX XXXX. On XX/XX/XXXX it was totalled out in an accident n my insurance company paid off the vehicle ( XXXX XXXX XXXX ) I had gap insurance just in case n they would cover any balance if needed. We recently in last year find out that XXXX XXXX is saying there is a balance of XXXX n won't describe to use what the balance is but they are reporting to credit bureaus that the balance is XXXX dollars n they refuse to include manager of collection department, to correct balance. Me n my wife, XXXX XXXX XXXX both have disputed this n spoke to XXXX XXXX on several occasions n they say they will not correct nothing no matter what, they don't care, per quote! My wife discovered that XXXX XXXX never followed through with a form they n only they have and send it to the gap insurance so they could pay off the balance on vehicle on XX/XX/XXXX. So my wife contacted the dealer got form n got it sent to gap n they paid off what they owed on XX/XX/XXXX And know they still want more money for late fees, ( which is there fault to begin with ) and won't update credit report. Even with XXXX XXXX treating to sue because of the fair credit reporting act. They still refused to update all credit bureau 's on me n my wife. They our breaking the law n for 2 years plus made me n my wife look like we don't pay our auto loan. I would like this be known n want XXXX XXXX to update bureau 's all 3 on me n wife n show XXXX balance paid in full as off XX/XX/XXXX And stop XXXX honest people over. Thank you. Please help I'm ready to sue the XXXX  out of 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 explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Incorrect Escrow analysis has caused recurring problems and changes in my mortgage payment. 
See Attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (CA).
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} Midland Funding Account # XXXX Bal {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: i told them that i do n't owe this amount {$950.00} they keep threating me to take me to court. the collection agency is called mcm

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Non-federal student loan) with MRS BPO, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 've requested all billing and payment statements on all student loan accounts from MRS Associates since I have paid from XX/XX/XXXX to XX/XX/XXXX. I 've corrected my address several times but nothing ever changes. There are XXXX accounts that went to collection from XXXX and I have yet to receive any documentation of payments, interest rates and charges, and payments made.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Using a debit or ATM card

Complaint: Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax was hacked and inappropriately withheld the knowledge of this from the public for an unacceptable amount of time. The executives reportedly made stock changes prior to the release of info and now the CEO has exited and likely with a golden parachute that allows him to not lose any money. 

I have no choice but to allow this agency to have my most protected information. It was their duty to ensure it 's safety. Now I can get a free credit freeze from them but need to pay every time I want to release it if I am utilizing credit. I 'm a young adult who plans to utilize credit and should be able to without a {$10.00} fee let  alone any fee to release this " free '' freeze. The current model means they have actually generated business for their company. Sickening. More upsetting is that my credit is n't even the only area that may be compromised now. People may have my identity to make fraudulent insurance claims, etc. Where does it stop??? XXXX has a great interview about the scope of this issue and it should concern anyone who has the ability to hold this company accountable. Those in charge have a responsibility to the victims of this data breach and to change the industry going forward. 

This company has to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (CA).
Issue: Using a debit or ATM card

Complaint: Rush card have cause my bills to be turned off it 's showing I have no money when I do they wo n't talk to u put u on hold for hours XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Mortgage (Other mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no idea what this is for. Debt has not been verified. no contract or signature provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: While I was in XXXX my was friend took my card and ran my credit limit to the max. I was on XXXX from XX/XX/XXXX to XX/XX/XXXX. You will see charges on that credit card during that period while I was in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2016 about Debt collection (Credit card) with Account Discovery Systems, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX has called my boyfriend, my boyfriend 's parents in another state, my brother, my friend and neighbor friend XXXX and my friend XXXX about the debt, and discussed details in a recorded voicemail. If the person XXXX XXXX calls answers a live phone call, XXXX XXXX lies, and pretends to be a long lost friend of my mine from New York, who needs contact information to re-connect, urgently. She refuses to contact my attorney, and contacts everyone else instead, even though she already knows my address, phone number and place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Money transfers (International money transfer) with RIA FINANCIAL (NJ).
Issue: Money was not available when promised

Complaint: Ria Financial Services ( aka Ria Money Transfer ). Transfered {$2000.00} ( order XXXX ) to an account in XXXX and they were supposed to credit the money on XX/XX/2015 - as stated in their website. Money has not been deposited yet and all they say is they will contact the bank. XXXX 's customer service is the worst ever. Once the transfer was delayed, they did n't call me or emailed me, I had to call them to ask what was going on. And they do n't have an answer or solution. Also they state the transaction as completed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: A student loan was taken out and my name was used as a cosigner with a forged signature. I disputed the loan and signed an affidavit as well as filing XXXX police reports in my town and in the town in which the fraud occurred. Without reason or explanation Chase bank has denied my dispute package. In addition they have constantly threatened me. A non bias entity has ruled it a fraud, Chase is bias in regards to it is their loan. They remain uncooperative and drag things out for months. After this account was defaulted and closed they illegally pulled my credit twice. Chase will not give any reason for the denial and gives my lawyer and myself the run around. They have no proof I signed this document and ample proof that I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX placed my account with collection agency, XXXX XXXX XXXX, P O Box XXXX, XXXX, Fl XXXX, for breaking a 24 month contract which I never had. Going into the contract with XXXX I was told that it was for twelve months, which was honoredXXXX at no time told about this ridiculous 24 month contract which I would never have gone into if that was disclosed. I returned the equipment to XXXX as they requested. The amount reported to the Credit Agency is {$580.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Other fee

Complaint: I was incapacitated recently and spent quite a bit of time in the XXXX and dealing with XXXX issues. Because of that, I was not as attentive to my other affairs which included my usual check of my credit card status. I noticed two charges on my card that I could not understand and contacted the Bank of America VISA offices for an explanation. We send funds on occasion to someone in a XXXX through a company called " XXXX ''. We expect to pay a fee for this service [ XXXX or XXXX dollars per transaction ] but we did NOT expect our credit card company to stack two additional fees for this transaction on top of the XXXX charges. The fees were called " Minimum Interest Charge '' and " Cash Equivalency Fee ''. Having heard of neither before, I inquired as to what these charges were based. Evidently, as best as I could understand the convoluted explanation, I had in essence given " cash '' to the person who received it and therefore had to pay a " Cash Equivalency Fee '' of {$10.00}! I maintained that I had purchased a " service '' from XXXX just like I would have done at a doctor 's office or barbershop, but NO, B. of A. does n't see it that way. When I inquired about the " Minimum Interest Charge '' of {$1.00} I was told that it was interest on the " cash '' I had supposedly given to the recipient! Consequently, our gift of {$50.00} had now cost us {$68.00}! Even though I process a significant amount every year through this VISA card they refused to remove this unfair practice from my account. I think this type of fee is one of the reasons for the existence of the CFPB and I wanted to protest this sort of usury by the Bank of America. I will be happy to assist in any way necessary to correct this unfair practice. Just a few years ago, when we would participate in a phone call to this person, we had to pay {$12.00} for a 20 minute call. There were so many complaints about this abusive practice that the situation was addressed and now it costs less than {$2.00} for the same call. If the CFPB had a hand in that change, I applaud your involvement. I think that my issues with B. of A. are equally as abusive. Thank you for your work.

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 10/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had disputed and tried to get some late payments that were reported by mistakes made on the banks behalf to no avail. I sent in the letters received from the creditors apologizing and wrote my letter to the bureaus requesting a dispute and to please review my documents. This company I feel has done right by me until now. Now I feel like because it was the holiday season that my stuff does n't matter. I did file a complaint and I hope this lack of responding is n't retaliation. I 've downloaded some more documentation showing missteps and violations of credit report on behalf of this company. let me know anything else thank you, 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 04-02-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: USAA BANK is not an average bank, its an average insurance company, no they are above average ; meaning they XXXX, liars, sinners, and work closely with all the XXXX of theivery, I am building a huge case against them, i have several letters from regulators agreeing with my finding after USAA BANK Was investigated. They can not be trusted, they buy their BBB credit rating and no doubt pay for their positive feedback cause I never met ONE PERSON who has not had same issues as me, they are disgusting and I refuse to let go of what they did to me, I hate them. After being robbed of all personal belongings, and idenity theft several times, and even with police reports and witnesses, the bank and insurance company USAA, closed XXXX of my savings accounts with {$7500.00} and kept the money, they also in over XXXX areas never paid out on insurance claims. They also illegally reported credit card to collections. I have proof that I put a lot of time in to trying to work with them with no effort on their end as well as I have phone messages by them that go against what CALIFORNIA and LAS VEGAS INSURANCE investigated. As well as many other issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Medical debt) with CBC Credit Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX or XXXX XXXX XXXX contacts me multiple times a week about a medical debt. I have made payment s as often as I could and eventually pay th bill off. I gav cask d repeatedly to only contact me via mail. So inst ad they contacts my parents house. The man that calls is rude and hateful. I get st least five calls a week. I want it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief