milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In my filed complaint BB & T did not answer the following questions. 
How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 
1. Explain where did my money go. 
2 Why my payments were not posted correctly to my account as on time payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am a XXXX year old college student .Just recently I found out that I have an unpaid debt ( {$450.00} ) in my credit report from XX/XX/XXXX which I never knew about. Upon further investigation I found out about an unpaid medical bill my insurance company has refused to pay. Now, I have never received a single correspondence from the hospital nor from the collection agency.The only reason I found out about this debt now in XX/XX/XXXX is because I applied for credit card and was denied due to the above mentioned debt .I am devastated because I pay all my bills on time. I do n't have any credit card debt since I pay them fully at the end of each month. I feel my rights have been violated and neglected and I have been put in this situation unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Payday loan () with NCP FINANCE (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I received XXXX loans from various payday loan Agencies, all in which were financed by the same Finance Company. I needed the loans to pay medical bills, and well needed car repairs, I was not aware that their was XXXX Finance Company for all XXXX loans. When I went back to payoff XXXX my loans and re-loan, I was told that I could not re-loan due to my reaching my cap with the Finance Company. This caused a great financial crisis for me, because I had given them over {$700.00} contingent upon them giving a portion of it back so I could fulfill my other obligations. I contacted the Finance Agency, whom had XXXX my loans listed under a different ss # and another not listed at all, but yet I was declined receiving another loan " due to reaching my cap '' I had also paid off another loan to get a higher amount the lower amount was {$1100.00} APR of 286.27 % total payments of {$3100.00}. I had paid {$2400.00} at {$280.00} monthly for six months. I was told I had to payoff the loan first before increasing the amount, so the Lender said I still owed {$810.00} plus pay a additional fee of {$55.00}, so the interest that was deducted for paying off the loan early was only {$560.00} ( which was unfair amount ) so now the new financed amount was {$4100.00}, I received {$3300.00} after they deducted fees at a 221.13 % APR with monthly payments of {$760.00}, so the total amount owed to this same Finance Company would be {$13000.00} over a period of 17 months for a loan less then {$3000.00}. I 'm certain that the Loan Agencies are not allowed to charge this much for small loans, and if they are someone need to do something about it. If they are licensed under the Mortgage Lending Act then they should be giving Mortgage Loans not payday loans. Payloans from XXXX, XXXX XXXX XXXX, XXXX and installment loan from XXXX all financed by NCP Finance ( Lender ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Billing disputes

Complaint: I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For several months now, I receive multiple calls a day from Synchrony Bank requesting to speak to my name. They will not disclose the nature of their call as I am not willing to confirm my identity & they state they can only speak to my name. I have asked them repeatedly to stop calling my number and put whatever it is they are calling about -since they will not say - in writing. I consider this harassment and have told them so. They keep calling. Calls appear to be from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I believe Navient has designed their systems ( online in particular ) to be extremely difficult to pay loans off. When searching their FAQ section, there is no section giving information for payoff and to locate the " payoff amount '' requires quite a bit of digging. Even when you locate the payoff amount, making a payment in that amount on the date the amount was said to be good for did not satisfy the loan. Additional interest was charged to the account, likely because their system takes several days to process an online payment. Ultimately we did resolve the payoff of the loan, however my request to close the account has been ignored. I have not had this kind of problem with any other student loan company and it leads me to believe that Navient has taken deliberate measures to make paying a loan off early as difficult as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Took XXXX 6 months to give me credit for items that were returned to the company, I called the credit department onXX/XX/XXXX and was told by XXXX  and XXXX in the customer service department I would receive a credit of {$65.00} on that date. I was moving into my new home and did not have internet access and made a telephone payment on my account with XXXX  automatic Teller service in the amount of {$60.00} taken from my chase bank account and was never given credit for that payment. I have never missed a payment with XXXX. OnXX/XX/XXXX I made a payment of {$1700.00} because my total balance owed on the card was {$1700.00} in total purchases, I have not charge on my card.On XX/XX/XXXX I made another payment of {$50.00} on XXXX website, on XX/XX/XXXX I made another payment of {$250.00} which at this time a balance was showing of XXXX. I was sent a bill for XX/XX/XXXX in the amount of XXXX, not given credit in the amount of {$250.00}. I call the customer service department and customer service would hang up the phone before answering my calls. I call XXXX XXXX who manage the XXXX  card and XXXX at the bank said she does not know about the easy pays and I need to talk to XXXX about payments. I do not see a credit for my easy pays in the amount of {$1700.00} and {$250.00} and {$50.00} payments.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: When I was notified by   XXXX   XXXX   which purchased the account from   XXXX   XXXX   that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit verifies the debt sure the have my ss # and address that does not mean they can report an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have these inquiries on my credit report from the same company I did n't authorize. I have sent request to XXXX XXXX to remove and they refer me back to Transunion. I did n't authorize and request removal. 
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/XXXX + Misc.XXXX
Trans Union Inquiry from XX/XX/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 explanation
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was victim of ID theft back in XX/XX/XXXX-XX/XX/XXXX, where my pre-existing credit cards incurred fraudulent charges and new loans were fraudulently acquired in my name as well. I was in the XXXX during this time and upon my return found out about the issue. 
Pursuant to the FCRA, I filed a police report and reported the issue to the Federal Trade Commission, both these institutions investigated the incident and declared me a victim of fraud and ID theft. 

I wrote to the bureaus, provided them copies of the FTC ID theft report, fraud Affidavit and the Police report, with which they were to block the fradulent information within 4 days of receipt of my correspondence. Experian and Transunion duly complied. Equifax flat out ignored my request and continues to violate the FCRA by persevering with reporting the fraudulent information. I have attached the excerpt of FCRA 605B that states the credit bureaus are to BLOCK fraudulent information within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with ConServe (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: ConServe, a debt collector for  XXXX   XXXX   XXXX  University, has made repeated attempts to contact me, even after stating that I would like to confirm the existence of such a debt with the University before responding to or continuing any communication with the debt collector. The debt collector then repeatedly called my personal and work phone number  (  on  XXXX  and  XXXX , at roughly  XXXX  EST ). I have not been notified of such a debt, or that such a debt was sent to a collections agency by  XXXX    XXXX    XXXX  University either. Additionally, the Debt Collector 's amount did not match the amount of debt conveyed to me by  XXXX    XXXX    XXXX  University  ( it  was significantly higher ) than the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. 

With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. 

See attached Notice and settlement information I am now receiving from this lender. 

XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. 
I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. 

My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. 

In violation of the California Constitution Article 13 Usury.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. TransUnion has find information through third party research. 
I contacted Transunion by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to TransUnion. TransUnion failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
TransUnion Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file TransUnion maintain under my Social Security number.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.

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 12/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX I sent a debt validation letter certified mail to Diversified Consultants. Today is XXXX XXXX, XXXX and I received a response back but it was only a copy of the bill from original creditor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion would not change information after disputing account several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file about an HARD INQUIRIE I never made or no any thing about it the company is XXXX XXXXreditor Contact Details XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation