milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with FastBucks (NV).
Issue: Problem when making payments

Complaint: th I have filed another complaint againt this company, Fast Bucks. In trying to get this issue with my bank account I called the store manager and she stated the she had the right to take my payment since i was due on the XXXX. I told her that I had a conversation with her last month and that she stated that she would not take the payment until the XXXX i told her that the XXXX i told her the payment would not clear until the XXXX she said she knows that but she was off yesterday so its not her fault. this woman was very rude and told me that i needed to calm down abd she would call me bacl now how is this right at all and we also deicussed in a previous convrsation that i am not paid until the XXXX what XXXX is paid on the XXXX i tried explaining that the other lady would just hold the payment untill the XXXX it was told to me that the due date could not be strecthed farther than that but they could hold the payment she is impossible to deal with

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

ATTACHED TO THIS COMPLAINT IS 1. CERTIFIED RECEIPT EQUIFAX RECEIVED OUR LETTER 2. LETTER WE SENT EQUIFAX 3. SUPPORTING DOCUMENTS FROM THE CREDITOR AND COLLECTION AGENCY. 

Account # 's in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

XXXX XXXX XXXXI do not have a financial obligation with this company ; please delete this reference on all credit reports. See attached documentThank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX 2015, I requested a simple letter of consent from PennyMac for a resubdivision of property. I received a packet with instructions dated XXXX XXXX, 2015. I immediately sent in all the necessary information. Since then they have verbally told us the consent was okay with PennyMac, but will not draft a letter to that regard. They want our city to provide a form, which our city does not have. My city stated they only need a simple letter or even an email that PennyMac is not opposed to the subdivision. PennyMac said I could have a title company prepare the letter, but they would not accept what my title company would provide as they wanted it on the title company 's letterhead. Since the title company had no association with the transaction, they would not put it on their letterhead. I put PennyMac in direct contact with the title company, but they could not clearly direct them on what they needed as they have been unable to do for me, my city and even their own title company. After many conversations and many many many hours, PennyMac was going to have their title company prepare a document at our expense. But after a week, I was told their title company could not or would not prepare the document. Finally, after putting them in contact with my city planning and my own title company, my title company drafted the letter. Since then, XXXX XXXX, XXXX XXXX and XXXX XXXX last name unknown ) have not returned calls or emails. We are now almost XXXX months into the problem and without the solution. 
The entire time I was struggling to get a simple letter from PennyMac, they neglected to pay my flood and homeowners insurance and one house and I was left uninsured, despite several communications with PennyMac 's insurance department by both myself and my insurance agent. Additionally, they billed me incorrectly for my escrow and left me with a large unpaid balance that now must be made up for. 
PennyMac 's competence is sorely lacking along with their representative 's customer service skills leaving their customers without updates and not returning calls. Their customer service system is designed ti fail the customer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/XXXX, I pulled my credit report from TransUnion and found that TU XXXX conducted an inquiry without my written authorization on XXXX/XXXX/XXXX. Refer to page XXXX of enclosures submitted. Another inquiry was made on XXXX/XXXX/XXXX by Transunion XXXX with my first name that is not spelled correctly. Refer to page XXXX of enclosures submitted. I did not authorize this inquiry. Furthermore, I did not subscribe to this service at all-Period. I believe that is inquiry involves fraud and that this entity doing business as TU XXXX is not legitimate. I wrote a letter to this entity dated XXXX/XXXX/XXXX. Refer to page XXXX of enclosures. I received a letter dated XXXX/XXXX/XXXX from Transunion XXXX. Refer to XXXX XXXX of enclosures. I did not apply for a loan or a credit card. I simply pulled a credit report and that is all. First of all, I want to know if this entity is a legitimate business and second, they do not have my expressed written authorization to conduct a soft inquiry with my expressed written consent. They have no business conducting a soft inquiry for no reason and claim that I had signed up for it. Especially, with no signed contract or my expressed written authorization. My financial information is not available for sale, distributed, faxed, e-mailed, stored in a retrieval system, sent to a third-party without my expressed written consent. Transunion XXXX also known as XXXX or XXXX is not authorized to resell any and all of my information-Period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Payday loan () with Opportunity Financial, LLC (VA).
Issue: Can't stop charges to bank account

Complaint: I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX Il the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish 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 01-08-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I received a letter from Bank of America dated XX/XX/2017 stating I had an overdraft balance of {$10.00} on an account I had closed at least 10 years ago.

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 01/17/2017 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CO).
Issue: Problems when you are unable to pay

Complaint: My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: is not me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new vehicle from a dealer and paid it off before there was a debt created for the vehicle. Now the finance company continues to state there is an open account when I submitted evidence to them and the credit bureaus that the payoff was made and only XXXX has acknowledge that there is no debt. Experian continues to report the debt even though they have admitted that the lender has not produces a contract to them validating a debt. XXXX has yet to respond to the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer.

XXXX XXXX XXXX  said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX and Barclays Bank Deleware on XXXX & XXXX reinserted them back. They deleted them and now they re-inserted them. They never notified me or called me or mailed me under the law of FCRA. To whom it may concern : On date XX/XX/XXXX to XXXX, XXXX, I discovered negative accounts XXXX XXXX and Barclays Bank Delaware on both XXXX and XXXX that are deleted and had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 03/25/2018 about Debt collection (Other debt) with ERC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a account pop up on my report which i have no clue about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this is not my account I do n't know what it is

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On and off for the last year I have been unable to obtain my Equifax score and report. I pay monthly for their service. I have called numerous times and spent countless hours on the phone. Most people ca n't help me. XXXX XXXX has helped, but has told me if I keep using the service THAT I PAY FOR, that " they will take it away from me ''. So they continue to lock me out from access to my report, but continue to charge me. This is fraudulent. I want access to the product I pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my debt.

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 10/21/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several calls from Alliance One Collection Agency regarding a debt that is not mine. They have told me the name of the person they are trying to reach. I have told them that I do n't know that person. They assure me each time that I will not be contacted again. However, they continue to call me.

Company response to consumer: Closed with non-monetary relief