milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center. 
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.

I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.

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 08/26/2017 about Debt collection (Medical debt) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have received a call from Lanier Collection agency on a few collections I have in there office. Not once was I given proof of the bills. The lady did not mention to me that it was an attempt to collect a debt or anything in that sort. I personally work with a collection agency and know the laws. I wanted to make a complaint before my attorney out of XXXX gets involved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I uploaded to Equifax a copy of a Lien Release Notice - Lien Recorded in Error signed by a California XXXX XXXX XXXX representative and a copy of the same release that was filed. This document is the only document that is provided by the CA XXXX. Equifax is insisting that I need to show them a Lien WITHDRAWAL Notice, even though the Lien Release Notice I provided to Equifax clearly shows that the lien was filed in error ( which means that the lien should not appear on my credit report ). Equifax is insisting on a document that the CA XXXX will not provide. This makes absolutely no sense and means that, even though anyone reading the Lien Release Notice would conclude that the lien should not appear on my credit report, this lien will continue to show as " Released '' and negatively impact my credit score. Also, when I spoke with XXXX Equifax representatives, they told me that no one had read the evidence I had uploaded, which means that Equifax 's review process is nothing close to reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this twice with TransUnion in the past year..

TransUnion continuously report ( s ) names I have NEVER used..

TransUnion continuously allows finacial companies ( banks, credit-card etc ) to access my information although I have NOT authorized..

The FTC spells out financial companies must have authorization for credit inquiries..

I have filed a fraud report with the FTC ( identitytheft.gov ) ..

I have placed a fraud alert on my account..

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 10-10-2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (VA mortgage) with United Shore Financial Services, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I received a letter from United Wholesale Mortgage that my escrow account was going to be short and I need to either send in a payment for {$850.00}, or my monthly payment would increase. Which was weird being that I just started my mortgage with them. I mailed a check which cleared on XX/XX/XXXX. I also mailed my mortgage check. On XX/XX/XXXX I received one of their robo calls to call them back. The lady in customer service informed me that my mortgage payment never arrived. I made an over the phone payment and asked if they " found '' my check to notate I made my XX/XX/XXXX payment. I looked at my bank account online and saw they had processed my check and were still in the process of running my phone payment. I called them to ask to cancel my phone payment as th9is was money to buy XX/XX/XXXX presents. The lady I talked to said it would take 2-3 weeks and it would be better to go to my bank. I went to the local XXXX branch and explained to them what happened. They were confused why United Wholesale Mortgage would send me there, but processed a Reg E dispute. This dispute was declined by XXXX as I gave verbal authorization over the phone for the payment. We had just sent in another payment for XX/XX/XXXX which had cleared when we found this out. I call United Wholesale Mortgage and explained what my bank said as was told I had three payments process, so I was covered for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I received a letter for United Wholesale Mortgage saying my XX/XX/XXXX payment was returned NSF XXXX ; I called to ask about this, as I never sent a check in XX/XX/XXXX. After repeated phone calls to them and countless hours spent by myself and my banker at XXXX, now I received another letter saying they are sending me to foreclosure. I have sent them, on multiple occasions, proof that my two checks have been paid, and my phone payment was processed. Every time I call them to resolve this, since they apparently have no outgoing phone lines and can not call a customer back, I have to resend the same information and am told this issue is in the cash department. Attached you will see the same item I have faxed to them over and over again. You will see two checks clear my personal account and one phone authorized payment. you will also see no credit back from United Wholesale Mortgage to My account. If my check, as they claim but can not prove, was returned, I would have that money in my account. You can Cleary see that they took three payments from me. Now they have put myself and my wife through emotional distress trying to resolve this. They have all of my proof that they have been paid, and can not provide me one item showing that they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: My American Express card was lost or stolen in XXXX 2015. 
I reached out to AMEX while traveling in europe. I spoke to a number of representatives who, despite my request for manager assistance, provided neither a manager nor a solution to the problem. These calls lasted hours due to time on hold and multiple disconnects. When I returned home, I spoke with XXXX at Amex ( XX/XX/XXXX @ XXXX XXXX ) who offered a {$450.00} credi and XXXX-XXXX points and an apology. 
Despite mulitple contacts since then, including a manager ( yesterday ) I have not recieved the compensation promised. I asked that they listen to all calls ( not the self serving transcripts and she refused. Her response " I 'm higher up than XXXX and your not getting what you are asking for. 
This company has been non responsive, rude and I have devoted hours to getting this settled. I have eliminated XXXX AMEX cards, reuced utilization and tried to find someone, anyone, at AMEX who cares. That person does not exist. They refuse to put managers on the phone, force log hold times, multiple disconnects. Requests for manager call backs are ignored. Appararnatly poor customer service, lack of ethics is institutionalized there. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with AVANTE (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received any communication of a debt ... .hospital had wrong address, wrong phone number. Have been living at this address with proper id for 9 years. Dr bill was from 3 years ago ... hospital was paid. Never received any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (NY).
Issue: Managing the loan or lease

Complaint: Chase removed my autopay 14 months after I set it up then reported my account delinquent when payments were not made. I asked them to remove the late payments reported on my account and they insist on the marks being valid. This has caused me to spend hours attempting to fix the issue and also my credit score going from XXXX down to XXXX. This has a tremendous impact on my business as we rely on credit to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?

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 12-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am current on my credit cards and paying payments on time some i paid off they cancelled my credit cards due to much inquiring which is not true at all.why there are canceling and lower my credit limits even i am paying on time and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have 2 medical debts placed on my credit report with Equifax, these same accounts appeared on another bureau which resolved my case and removed these debts. I sent in verification and validation letters to verify and validate this account and to adjust the correct information by asking them to remove these accounts from my report. I received letters from equifax claiming this information was verified, under the HIPPA ACT my medical rights are a private matter. I do n't want any credit bureau looking into my medical file that 's between me, my practitioner, and the insurance company who was responsible for this bill from an accident back in 2014, during my settlement. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing a debt form XXXX XXXX that was transferred to the debt collection company of Firstsource Advantage LLC. I owed XXXX an original debt of something like XXXX for annual usage fee. I do n't really use this card all that much so I wanted to pay off that balance and close the account. They said my best option was to use the points that I earned over time and convert that to $ $ $ pay off the balance and close the account. I said great, that is what I will do, please use my points to pay off the balance and close the account. I even had XXXX or something unused points left which amounted to like XXXX dollars that I simply was forfeiting to close the account. Well, months later I continue to get billed by XXXX. I said I paid this balance and my account should be closed. The monthly Bills kept coming much to my surprise. When I called them and tried to explain the account should have been paid off, they said we are going to refer your account to collections. I guess they were serious. I once again called XXXX to explain myself and even wanted to use those extra points that I had to pay off whatever was left, but they said my account is in collections and I have XXXX points. I tried explaining this to Firstsource and they refuse to listen, and said if I do not pay, that the interest will keep accumulating. I offered a partial settlement to make it " go away '' and they refuse saying I need to pay entirely which is now {$260.00}. I feel this is completely unfair by Firstsource and XXXX when all I wanted to do was close my account on a card that is not useful to me. I tried to setttle, I tried to do pay it off, and no one wants to listen. All they want is MONEY MONEY MONEY. This debt was paid .... unfortunately, I do not really have any supporting documents ... ... The only thing that would PROVE MY CASE is listening to the conversation I had with XXXX that PROVES I used my points to pay off my debt and CLOSE my account. 
Thank you for taking the time to read my story.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union is claiming they verified the accounts on my report, I believe they were not reported on properly. I believe several reports are violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Consumer Loan (Installment loan) with Universal Account Servicing, LLC (MA).
Issue: Problems when you are unable to pay

Complaint: We bought into a XXXX membership and they had us go through Universal Account Servicing LLC to finance the membership. We bought in on XX/XX/XXXX planning on using the membership in the future. This XX/XX/XXXX we went to use XXXX and found out they closed all their locations in New England in XX/XX/XXXX. When I found out the showrooms all were closed I contacted XXXX and informed them I believe the franchise owner knew he was closing all his showrooms ( 3 months ) and sold us a membership anyway. I informed XXXX the reason we bought in was the showroom and advisers, which now we did not have access to. At first XXXX would not cancel the membership. I contacted the Attorney General Office and filed a complaint. When I informed XXXX I filed a complaint with the AGO they Pro Rated a refund/cancellation. After the settlement I spoke with AGO and I was informed there were other complaints with XXXX. while speaking with AGO I mentioned that our credit rating was poor and we were turned down for every credit card and credit purchase. I asked about how we were able to get a {$4000.00} loan when we have been turned down by every other company, AGO said I should contact the Banking Commission. I am contacting you because I fell this was a planned scam. And if you have any other complains with Universal Accounting Servicing LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: EquifaxFRAUD FLAG Yes No NoYOUR STATEMENT FRAUD VICTIM. " EXTENDEDALERT ''. CONSUMER HASREQUESTED AN ALERT BEPLACED ON THEIR CREDITFILE. CONSUMER DID NOTPROVIDE ADDITIONALINFORMATIOfraud Alert on my credit report incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 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: Account information incorrect

Complaint: I was shocked when I received my credit report and found a late payment on the date below.
Creditor : XXXX Account # : XXXX I was never late 30 days in XXXX 2015. I am not sure how this happened. I have always made my payments on time. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Today XXXX/XXXX/XXXX I applied for a Personal Loan through XXXX XXXX XXXX XXXX. The request was for {$12000.00} to roll all existing debt into one monthly payment over a predetermined term. When applying the Loan Officer stated that my Experian Credit Report showed a FICO of XXXX. I let her know, one XXXX XXXX that this was not the case. The FICO score I was pulling showed in the XXXX 's but that I would pull my Experian CB Report. I paid {$1.00} to have it pull on XXXX/XXXX/XXXX and my Experian CB Reporting showed a FICO of XXXX. This is a 40 pt  swing. I sent images on the pull I made to XXXXXXXXXXXX to substantiate my claim. ( Will attach email and screen shots of FICO from Experian and a copy of the {$1.00} paid on bank statement ) I was approved with a counter offer of {$4500.00} and an interest rate of 13.99 %. As I spoke with the Loan Officer XXXXXXXXXXXX I once again advised her that my CB reporting they pulled from Experian was in accurate and not up to date. Furthermore the reporting they were factoring as my " FICO, '' was in fact a pull that coincided with their own FICO reporting from XXXX that still showed on their Mobil App. ( I will include as an attachment ) The reality is when a company establishes credit worthiness with inaccurate data, this is an unfair and deceptive practice. Knowingly using inaccurate reporting to establish credit worthiness leads to high interest rates for the consumer and higher profits margins for the company. This is also unfair and deceptive practice. When I notified XXXX XXXX XXXX XXXX they did noting and basically said deal with it and passed blame into Experian. This is not an Experian problem. This is a XXXX XXXX XXXX XXXX problem. 

I believe there needs to be an audit completed into XXXX XXXX practices in pulling credit to establish credit worthiness. Additionally XXXX XXXX should be audited for the purpose of establishing how many other consumers have been impacted by inaccurate reporting which is an unfair and deceptive practice. I believe that XXXX XXXX is aware of this systemic abuse of inaccurate reporting being used and uses it to their advantage for profit. 

I felt like I was literally speaking to those that did n't care and had no answers.

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