milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GU).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I, XXXX XXXX, the petitioner and requester Under the FOIA and request my financial disclosure file, uner the privacy Act to petition to release my financial transaction statement with the Credit Card at XXXX XXXX XXXX in XXXX DE to provide my own disclosure transaction file record with the Credit Card at XXXX XXXX XXXX and the rights to petition to release the secret record file with XX/XX/XXXXfile number ( XXXX ) Dated XX/XX/XXXX.that I filed online with American Express Bank to transfer the money in to my XXXX XXXX XXXX here on XXXX but not credit until today. The letter, I sent to the XXXX XXXX XXXX in XXXX DE for reconsideration including my credit score from XX/XX/XXXX, and contact Attorney XXXX XXXX with his phone number, regarding the transferring the financial transaction record I expect to credit it in to my account at XXXX XXXX XXXX and transfer the financial transaction statement or my transaction disclosure financial statement file with the American Express in XXXX XXXX XXXX UT. 
The file number XXXX from XXXX not showing the address, and phone number for XXXX XXXX XXXX only the date requested XX/XX/XXXX. same as American Express Bank in XXXX XXXX XXXX UT. only showing the date requested XX/XX/XXXX. The report from XXXX about American Express XXXX in XXXX, TX Dated same as the date XX/XX/XXXX with American Express in XXXX XXXX XXXX UT. When I called the American Express in XXXX the American Express did n't have any record for me. This inquiry impact my credit score according to the report file with XXXX. These report on the 3 credit Bereu XXXX, XXXX, XXXX, and including the American Express, were incorrect report. Finally, I discovered, these companies are doctrine illegal method to covered up the truth of our credit score file and doctrine illegal method to impact our credit score and delayed the processing of my credit card issue with American Express Bank in XXXX XXXX XXXX UT. and I just received letter from XXXX for Fraud Alert which I did not request and will expire on XX/XX/XXXX and all these companies sent me research from and they made inaccurate report so I can request the research form to delayed the issue of my credit card with American Express. The time, I report with CFPB when the XXXX  employee called us and I gave her everything my wife 's personal information over the phone. I also request the CFPB to inform the American Express in XXXX XXXX XXXX. I sent the important disclosure file code number wrongly on my file address from Vice President XXXX from American Express to either one of the 3 major credit bereu above last Friday supposed to send back to American Express, and the expire Date will be XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the date of debt place on my report is over 10 years 2006

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with Colony Brands, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a rental debt on all 3 reports. XXXX recently removed the debt XX/XX/XXXX because it has been 7 years however XXXX states the date for their removal is XX/XX/XXXX and Experian stated the date for their removal is XX/XX/XXXX. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.

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 08-03-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I would like to dispute the Chase credit card on my credit report. I never applied for any credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address of : XXXX XXXX XXXX, TN XXXX is incorrect. I have never lived in TN.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting incorrectly a payment amount on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

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 06-07-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (RI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Ally is refusing to credit  a 3 payment rollover ( {$820.00} ) from our  previous lease, that  XXXX   XXXX  took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.

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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry were not removed

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: Good morning To Whom It May Concern, During my parent 's illnesses, our finance started a downward swirl. While I worked as travel nurse back in XX/XX/XXXX, XXXX XXXX XXXX XXXX   started the foreclosure process, I came back home to help my XXXX dad with this problem. Unfortunately, I was left with this dilemma. I joined XXXX a non-profit group and educated myself about foreclosure. The attorney and I fought against the banks for 5-6years, the Massachusetts Housing Court overturned the foreclosure ruling on my home. I got my home back in XX/XX/XXXX. Since then I was working towards a loan modification program to pay my mortgage. The loan modification was approved on in XX/XX/XXXX. I was on a three months trial which meant ( Paying on Time by XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The XXXX Preservation Departement reissued the mortgage to my home. 
I paid all of the mortgages as agreed upon the contract as of the current date. 
To my surprise, I reviewed my CRA noting XXXX delinquent report for 9months. 
I addressed this information with the bank, stating unaware of the report to the bureaus. 
This false report is badly reflecting my score while rebuilding my score and hard work. 
Please help me find a solution to this problem. I would like to regain my fico score again. I will follow up with the AGO, City Hall Mayor 's office, and my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.

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 01/21/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: Regions bank withheld a transaction from my account for over 10 days then decided to take the money out when the funds were no longer available. It caused small transactions from XXXX dollars to XXXX dollars to overdraft my account. Causing XXXX dollars in overdraft fees.

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 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There continues to be inaccurate information being reported on my private and public record. 
The inaccurate information is : XXXX XXXX XXXX, they agreed to report my account as paid in full. also after paying my debt the company moved their office and did not contact me to inform me of the new location. It went 4 months, I did an investigation to find their new location and went to their office and ask them to honor there agreement. They agreed to do this but then they still have defaulted on the agreement to this date. 

My Next Issue : XXXX XXXX : They sent a XXXX to the IRS and I had to be reported as Income on my taxes. They never contacted me to tell me they did a XXXX on my taxes. 
This Debt needs to be removed or show a XXXX balance and paid in full. 

These companies have broken the Fair Credit Reporting Act & Consumer Act regulations 1996 to current laws and have caused my report to show inaccurate information and damage my credit worse. 

I have attached documents showing proof of my statements.

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 06-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient 's  ( formerly  XXXX   XXXX   XXXX   XXXX   ) webpage incorrectly told me that my loans were approved and successfully submitted for automatic debit payments every month. However, each time I submitted my banking information through the website, it would n't process automatically as it was supposed to. As  a result, Navient  harassed me every month with automated phone calls informing me that my payments were delinquent. I called them and had the issue corrected. This issue happened TWO OTHER TIMES while I was still in school a nd the six mon th grace period after receiving new loans ended. On the third and final time, I did not call them and continued to receive the automated phone calls. I wrote them an angry letter explaining that their website confirmed my banking information was submitted and approved, but the money was n't coming out. They wrote me back and told me the opposite - that my banking information was never put in. Also, they 're probably guilty of overcharging people too (   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from  XXXX   XXXX   XXXX  which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This matter is regarding an auto loan, owned by Capital One Auto Finance. The loan was originated on XX/XX/XXXX by XXXX of XXXX, NJ at roughly XXXX XXXX. The dealership required me to take out a loan to avail the promotional price on the vehicle I wanted to purchase. I was told that NJ does not have a prepayment penalty and that I could make a payment at any time. Based on this I decided that I would put down {$1000.00} then pay the balance in full the next day. 

First thing the next morning ( Today, XX/XX/XXXX ) I called Capital One to pay off the loan and they told me the loan does not exist. I requested to speak with a supervisor, they transferred me over. The supervisor stated, they have received the information from the dealership but a loan number is not available so I can not make a payment. She told me I would not be able to make a payment for a couple of weeks since i did not have a loan number yet. I asked if I would be charged interest during that time period and I was told the interest started when we signed the contract. I asked, how can you charge me interest and not give me the option to pay the loan? She started to get very agitated and stated nothing can be done for a couple of weeks. 

After speaking with Capital One, I called your offices and was told to file a complaint. Everyday that passes I am being charged interest for a loan I do not need or want. It is unfair for the Capital to charge me if by the contract terms I can pay at any time without a penalty. 

On a side note, I do also feel that it is unfair for a car dealer to sell a vehicle at a different price if you do not take out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Payday loan () with Green Trust Cash, LLC (AR).
Issue: Charged fees or interest I didn't expect

Complaint: I am writing regarding Green Trust Payday Loans. I applied for a {$350.00} payday loan on XX/XX/2016. I am XXXX years old and I had extremely high medical and hospital bills based on XXXX and I needed a loan desperately to pay my utilities so that they would not be disconnected. At the time I did not look closely at the very high interest rate and the method of payment.The rate of this loan is 369.64 %. The finance charges are {$1900.00} for the amount financed for {$350.00}. The total I have to pay is {$2200.00}. I am unable to pay that. The company keeps trying to get direct payments from my bank, but I had to put a stop payment on it. When I get on my feet. I asked them if I could set up a payment plan. That will also be a financial struggle. Is it legal for a payday loan company to charge this much? I have seen reviews and complaints on this company from many people who are appalled at this company as I am. They have taken money from accounts that are not authorized. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GU).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: name of collection company " convergence outsourcing '' keeps calling about a XXXX bill in which I had is {$250.00}. I did not make a {$250.00} bill with them

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Checking or savings account (CD (Certificate of Deposit)) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!

Company response to consumer: Closed with explanation