milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In your reply you state that " Resurgent received the electronic dispute that you submitted through the consumer reporting agencies. Resurgent responded in the adequate time by providing the corresponding information to the respective credit bureaus. " What your response does not state is how the account was deleted unanimously by all XXXX credit reporting bureaus and as such any continued collections based inquiries are activities in direct violation of the Fair Credit Reporting Act coupled with additional violations and infractions against Fair Debt Collection practices act. If I am receipt of any additional information from your company in relations to the above, I will then be faced with recourse with the strength of the final dispositions adjudicated by the credit bureaus coupled with filing whatever appropriation actions necessary in a court of law up to and including seeking legal remedies that would help to shape the other matters of violation beyond simple debt collection. 

Fact is the credit reporting bureaus in their wisdom have spoken and as such this does not preclude me from seeking the remedies afforded me in due process of administering and protecting my rights under the law. I will consider this matter and grievance with LVNV a closed matter for now ; that is unless there is recent of additional correspondence in response to this matter as if it does continue, then I will move to seek other " additional remedies '' afforded to me in the eyes of the law and swiftly seek to resolve this matter. 
Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX ( Collection Agency ) has been reporting to the credit bureaus and they are not licensed or bonded in the state of Texas.

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I NEVER lived in North Carolina. So how can l be charged for something l dont know about. 
Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Set up new personal account at Capital One 360 with {$500.00} cash. The agent did n't disclose that opening funds would be locked for 14 days. No access.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on XX/XX/2016 in the XXXX was that a double payment will be made by the end of the day ( we fulfilled on our end ). On XX/XX/XXXX, at XXXX I received an email dismissing what the agreement was. On top of already charging a late fee of {$37.00} and an interest of almost {$140.00} - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to fulfill on my end when I did. Makes me, the consumer, feel irresponsible and out of compliance. I did call Citi and the customer service rep did not seem to care.

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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

XXXX reported in XXXX XXXX, through CFPB that my account was at a zero balance until XXXX XXXX, XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is the fourth time this has happened. Navient/XXXX was paid electronically by my bank the full balance including the days interest to conclude the Stafford loan. Instead they were silent and revealed weeks later that I owed some amount less than a dollar. In this latest case it was XXXX cents! This wastes my time and money. When I called up to ask about it they said we do n't have that information without about a week of talking with our research department. Are they serious?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Overlimit fee

Complaint: Overlimit fee paid without my consent or opt in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: A lawsuit was filed against me by Pressler & Pressler Law office. I was never notified stating that a lawsuit would be taken if debt isnt settled. I found out via an already filed suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing statement

Complaint: Citibank has asked me to " verify my information '' in order to allow me access to my account online so that I can review my billing statements and pay my credit card bills. As I am enrolled in their paperless billing, I do not have an alternative to review and pay accounts. The information that is being demanded is information that does not exist : I do not have an ATM card, I do not have a Checking Account and I do not have a PIN number with Citibank. When I have called in to inquire about this issue, they asked me to wait on the line while they " deregistered '' my account and instructed me to re-register. When I attempted to do I received warning that my account was already registered and to apply for the replacement of my Password and Username. When I attempted to do so I was first greeted with a warning that my account was already registered and to change my password with a challenge question. When I entered that system to change my password and unlock my account, I was greeted with a warning that my account was NOT registered and then asked to register my account. Following those instructions ( again ) gave the same message that my account has already been registered and that I need to login ... which then promptly asked for the Account/PIN and Debit Card numbers which I do not have. 

In the mean time, interest, late fees, penalties and every other charge imaginable I 'm sure is racking up on my account and what 's more, I 'm certain that they are reporting negatively to the bureaus. I 'm attempting to pay my bills, but their call center and their website is preventing me from doing so! 

Given the history of this bank abandoning Texas and continually practicing negatively effecting business against me and others ( reducing credit limits to balances ( increasing balance ratios ) losing customer information ( leading to fraudulent accounts opened ) etc. I 'm not surprise, but certainly am at risk is decrease financial capability because of either technological incompetence on the part of this institution, or a concerted effort to hamper the financial well-being of customers in Texas 's Low-Income Census Tracts.

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 05/27/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I had a vehicle on lease through Ally Financial. I paid the bills on time, and turned the vehicle in on time, under mileage, and with no damage. Ally 's inspection shows damage that was n't there when I turned the vehicle in. I had to continually XXXX them down to get a response to my complaint. It finally took several calls, and a letter to their CEO to get someone to respond to me, but even then, they would not accept my best evidence ( a digital photo which they would n't accept through email ) as to the fact there was no damage upon turn in. They reduced the amount owed, which I paid, to avoid damage to my credit rating, but there was no opportunity for arbitration, or appeal. There was no process whereby they would respond to me proactively -- except to collect money. The inspection process was clearly set up as a yield enhancement for Ally, and had nothing to do with diminished residual value, as they we looking for scratches under the hood. There was no evidence of chain of custody of the car after turn in. There was no way to provide my best evidence of no damage. There was no independent appeal opportunity. There was no single point of contact to deal with. There were no return calls without my initiating the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Mortgage) with Seterus, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I purchased XXXX $ in furniture from a store that stated 90 day no interest and 20 % interest after the 90 days I filled out a credit app and the store stated I was approved for the XXXX left the store with my new furniture and a store receipt were the store employee wrote my account number on it and a phone number to call if I had any questions when I called 9 months later after paying XXXX per month the company that answered my phone call was American first finance and stated to me that my contract stated 120 % interest and my remaining balance was XXXX I never signed a contract at the store so I requested a copy from AFF and when I received it I discovered my signature had been forged on the finance contract and obligated my to terms I knew nothing about I filed a police report and submitted everything to AFF fraud Dept and the stated it was not fraud and still call me everyday requesting payment and refuse to try to work out this issue

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Forbearance / Workout plans

Complaint: I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?

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 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have made several requests for Trans Union to verify with whom they received information regarding an item posted in my credit file which I have informed them is not mine. I forwarded a copy of the letter to the creditor to verify the debt as mine and they could not. But, I want to know with whom the credit bureau spoke with to allow them to keep " verify, no change '' report in my credit file. The debt is not mine nor could the creditor properly verify the debt as mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX reported an existing and overdue balance of {$58.00} to a Collections agency from an account that had been closed in good standing many years prior. I paid the existing balance when called by the Collections agency but since then my credit has been negatively affected. I have spoken with XXXX about removing this from my credit report and they agreed to do so ( and emailed me a confirmation of that discussion ). However, after 30 days, the negative account remains and the credit agencies insist this must be pulled back from XXXX. I have exhausted all methods of communication to have this erroneously reported delinquency removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts appearing on my Chex systems report that are not mine. Both are fraudulent accounts that were opened using my personal information. One is from XXXX and the other is XXXX The XXXX account has no identification listed, and the XXXX account has an incorrect identification number listed. I have disputed these accounts in the past to no avail. XXXX account, the XXXX one, was appearing on my XXXX report. However, I disputed it, and it was subsequently removed. However, both remain on my Chex systems report.

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 10/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Billing statement

Complaint: Credit card company only provides 20-day grace period for credit card payment due date ( calculated from statement closing date XXXX, instead of the 21-days required under federal law ( from statement mailing date ). Also, statements are mailed out late, since they take over 7 days from the statement closing date for me to receive, and USPS first class mail only takes 2-3 days. The 21-day federal minimum is supposed to apply from the date the statement is actually MAILED, which is why most credit card companies have a 25+ day grace period. Even if they mailed out my statement ending XXXX XXXX 2015, on that SAME DAY, I still have 21 days to pay by federal law ( not 20 days ). My XXXX XXXX payment was made on the 21st day after the statement CLOSING date, but was still considered 1 day late, and interest charges for the entire previous month were assessed! Their due date practice of 20-days after statement closing date is illegal and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: CitiMortgage said " They would give me a Harp loan if I stop making payments on XXXX loan for a 3 month trial period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has not validated accurately that the account of XXXX is my account. I have reported it as a fraudulent account to the Police and police report has been provided to the credit agency of Experian. Experian has not validate information from XXXX to the information that they have on file. Providing name, birth-date, and social security is not sufficient evidence to validate the account is mine. This is why it was reported as fraudulent has someone used that information to open this account. Please have this removed from my credit report of Experian.

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 06/27/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Huntington Account for my conventional RE mortgage is shown as Included in Bankruptcy with no balance shown, but it should be reporting as good payments because I reaffirmed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Installment loan) with BlueChip Financial (TX).
Issue: Managing the loan or lease

Complaint: Someone contacted me today at work 3 times attempting to collect a debt for Spot Loan. The name of the company was either XXXX or XXXX. The first number they called from was XXXX, and they did not identify themselves ; they just started asking questions. I hung up. 5 minutes later this someone else called from an unlisted number but I could not pick up. The third time I did pick up and I was threaten with a lawsuit if I did n't pay. I do not owe Spot Loan any money, Spot Loan is not licensed and therefore illegal in my state of TX, and I want all communication from Spot Loan and their collectors to cease immediately. I have can not take personal calls at work and do not wish to receive any call from them going forward.

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