milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with Allied Interstate LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, Allied Interstate continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with Allied interstate, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XXXX XXXX 2015. On XX/XX/2015, They called me XXXX before XXXX. At approximately noon on the XXXX of XXXX 2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. Allied Interstate has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just made a payment of {$350.00} to  XXXX  card the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 10/18/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received calls from Midwest Recovery stating that there were two debts accounts they were collecting. 

Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that. 

Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from this company that says I owe them XXXX. I do n't know who they are or why they assume that I owe them. The notice states that whatever this is they reported to the credit bureau. The name of the debt collector is : Credit Collection Services out of XXXX, MA. The Company they are collecting for is : XXXX XXXX XXXX Co. I want some specific details on the who, what, where, when, and how. I have health insurance through my employer and auto insurance through a Company in the mid-west. I 'm going to file a complaint with the Department of Insurance as well.

Company public response: Company can't verify or dispute the facts in the complaint
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 Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In 2010 I was a victim of identity fraud by an estranged spouse, now ex-spouse. I was a victim of domestic violence. I filed a police report and filed a request with the three Credit Bureaus to have a lifetime Security Freeze placed in my credit files. In the last 90 days I have had need to have an Experian report pulled to obtain housing and, most recently, to obtain employment. When the inquiry was made to obtain housing I was contacted by the landlord and told I needed to have Experian lift the freeze temporarily to get approval. I called Experian to make the request but was told that I would be charged to lift the " free lifetime '' freeze. I escalated my request but was told by offshore people that unless I paid the fee my freeze would not be lifted. To move forward with my housing application I had no other option but pay the extortion. This week I was offered a job. Today I received a call from the employer saying that I needed to have the freeze lifted by Experian to complete my background check. I now face having to pay the same extortion to Experian so that I can obtain employment. How can Experian extort money from those who were given a " free '' freeze because of circumstances dictated by law? This should be illegal and it is immoral. Please help me and many others facing this same scenario by making Experian comply with the free lift based on the laws.

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 06/22/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I had attempted to obtain old account statements online from Citizens Bank, and a day or so later submitting the request I received a secure message through the online portal with a list of associated fees. When attempting to respond to the message, I received an error message that my response had not been submitted, so I called customer service. Customer service informed me they could only put a new request in on my behalf, and in roughly 48 hours I would receive a phone call with fees that I was required to agree to in order for the order to be processed. Over the course of the next week I had yet to receive a call regarding fees, and I had forgotten about the request until XXXX separate packages arrived with sets of statements, XXXX for the online request and XXXX for the in person request. I immediately checked my accounts and found I had been charged {$90.00} in XXXX account and {$40.00} in a second. I called customer service yet again to resolve and I was told it would be two business days until they could review the recorded call ( this call happened on a Saturday and I was assured I would be called the following Tuesday by an employee named XXXX XXXX in Pennsylvania ). The following Friday I called because I had yet to hear back and was immediately put through to a manager who contacted XXXX directly ( which appeared to acknowledge the issue that this was well outside the norm of acceptable ). XXXX called me later Friday and told me it would be another two business days before he could review the call and offered no resolution. Last night ( the XXXX Tuesday in which a call was promised ) I finally received a call back from XXXX. He told me he had reviewed the call and felt I was aware of the fees. I directly asked him if he listened to how the call ended, where I was required to receive a call back with fee information, and he said the best they could do was take half off the expense ( which rectified the duplicate charge and nothing else ). At the end of the call XXXX refused to escalate the issue and would not give me a contact if I had further questions. As of now XXXX has only credited half of the {$90.00} charge and has not credited the other portion of {$40.00} I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving XXXX years in XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We paid for homeowners insurance for my mom n laws home At XXXX XXXX XXXX, as I was notified that she did not have insurance on the property by XXXX XXXX. Our Insurance agent handling the insurance for the property faxed over the evidence of the insurance declaration, in which XXXX XXXX received and confirmed, yet they force placed insurance on her property, in which we were double billed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (MD).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Hello, back in XXXX I called Chase Auto Finance to settle the remaining balance on my XXXX XXXX XXXX. Before we proceeded with the call, I was told I was on a recorded line. I talked to the representative who was handling my file. All of my files had been transferred to their credit processing center. On a previous call the representative told my husband and I that Chase was willing to settle for half of the amount owned on my auto loan in exchange for the title of the vehicle. In XXXX I called to settle gave the representative my bank account info and the money was processed out of my checking account. I took more than 30 days to receive my title for my car. To make matters worst, I check my credit report Chase did not report that my account was settled/paid. It still shows me owning a balance, and they updated my report and re-aged my account!! This is not right nor is it fair! I called to speak with them about my situation and all I got was " I do n't handle that ''. I called Chase trying to at least settle what I could afford to move on. I 'm rebuilding my credit and having this on my credit reports hurts my chances of getting approved for any future products and services. I have attached my bank statement reflecting the payment to Chase Auto Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: Macy 's company has requested a bill that I pay a bill that XXXX collection agencies could not provide me a copy of the bill. After 3 months, I was provided with a copy of XXXX bills from 2015. Both clearly state that the bill was paid. Numerous calls, and a letter to the Macy 's dispute center was sent. No response. The amount of XXXX.was paid after being harassed by collection agencies and no proof of the bill had been shown to me. In good faith, I paid XXXX and refused to pay the interest of XXXX until the bill arrive. The bill clearly stated " Paid '' - If Macy 's bill says clearly paid and they can not provide any more information or respond to my letter. This alleged charge from Macy 's is impacting my credit score and inability to pay a lower rate at my prospective home purchase. Now I have XXXX bills, clearly stating " paid '' and made an additional payment of XXXX to a collection agency and no response from Macy 's on why I continue to be harassed and not refusing to show any evidence to prove that I have not paid. My FICA score is being impacted and need this matter resolved. Macy has shown poor ethical practices and power to shut a consumer 's ability to work this problem out and impact ability to purchase a home at a lower rate. This is intolerable and not what a retail store should have the power to do to consumers.

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 04/26/2015 about Mortgage (Conventional fixed mortgage) with Horizon Lending services, LLC (CA).
Issue: Settlement process and costs

Complaint: We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Credit decision / Underwriting

Complaint: I have send in my regular monthly payment and found out 4 day 's later that the payment was not collected and I called the mortgage company and they told me that they have n't received it.They to chehed after 2 day 's and if not collected to put a stop to the check.I called the day after that and then I was told that it is delinquent and I need to pay the full amount and they want accept my regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equafax : I have tried to place a freeze online and receive a response that I have to send a written request, with no explanation about why I can not do it online at their website. I have also twice signed up online for their free monitoring service and have not received the promised email to complete the process within the allotted 3 days. I called their number on their website for help and received only the " canned '' response in their public statements and no help in placing a freeze or getting the monitoring service. The agent had no access to my information! Some help!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (MN).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX XXXX, my wife and I applied for a loan to remodel our basement room and qtr bath. Greensky approved us for XXXX dollars. we approved the merchant to take the XXXX first installment. On XXXX XXXX I receive a bill from Green sky for the sum of XXXX. The merchant somehow managed to get another XXXX WITHOUT OUR KNOWLEDGE OR CONSENT. We filed a complaint with green sky as to why we never received our alleged " XXXX '' and as to how the merchant got the sums without our approval. we have had a run around ever since. causing us XXXX monetary requirement for extra appraisals, and green sky hindered the police investigation for weeks before finally approving it, then I am also on my XXXX person handling my case, when I was told a month ago that it was kicked to the top officials for settlement. 
we have showed by letter, photos, when requested, and documents from others that the merchant never did more than XXXX worth of work before we fired them. he never bought material, and we were left with a clean up bill when they refused to come get their mess the merchant has offered XXXX When in fact he took without permission XXXX dollars. green sky sent us our package XXXX XXXX XXXX XXXX XXXX XXXX it came in my wife 's maiden name. we have been married for 10 yrs. also when we applied for the loan we used or submitted to the merchant our Drivers License. It will be 1 yr now since we applied for our loan, and proceeded to do our basement. We have spent close to a thousand dollars for appraisals, lawyers fees,, Yet Green sky still will not admit it sent the sky pass to the merchant directly. there is no other way the merchant could have gotten the money without scanning the bar code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is mistake in my report "  XXXX   XXXX   XXXX  Account #  XXXX  '' I do n't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.

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 08-08-2017 about Debt collection (I do not know) with VIRTUOSO SOURCING GROUP, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company continue to call my phone, my parents landline phone which they have NEVER been given permission to, and other numbers related to me. They will constantly call throughout the day and they do not say who they are or what they want which is why I refuse to answer their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Private student loan debt) with Partners Financial Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX- XXXX and XXXX will not remove this debt they have placed on my credit report. I never attended this college nor any college associated with them.

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 non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).

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