milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with Diverse Funding Associates LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.

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 10/18/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I paid off my Captital One Auto Finance loan early and they submitted to the credit bureaus " account closed '' instead of " paid in full ''. Subsequently my credit scores went down.

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 FREEDOM MORTGAGE COMPANY (LA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, Freedom Mortgage is not reporting they have my Mortgage. It still reports as XXXX XXXX XXXX XXXX and Paid. 

My Credit score has dropped 100 points ( No outstanding Credit. ) I even have a letter from Freedom Mortgage stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with XXXX XXXX XXXX. 

I have contacted Freedom Mortgage over 11 times  since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE XXXX  even had my residence as one I had not lived at for 4 years.

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 12-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Upstart Holdings, Inc. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: So I applied for a Personal Loan after i received a Marketing Ad by Mail of which mas misleading with the displayed percentage they were showing i later applied and got approved and have been making payments but struggling since the interest is extremely high and every time make it harder to make payment. The Interest rate i never thought would be so high and so impact. the loan was for {$16000.00} i have made 5 payments of {$420.00} and the principal balance has only dropped to {$15000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: I was never late during the month it shows on the report. SEE ATTACHED PROOF OF PAYMENTS I HAVE SENT AND YOU HAVE CASHED AND CLEARED FUNDS FOR EACH MONTH THAT YOU ARE REPORTING THEM LATE ... THIS IS A VIOLATION OF FCRA AND MY CONSUMER RIGHTS. I HEREBY REQUETS THESE LATES TO BE DELETED. see attached proof of payments and chec ks cleared by PNC for  all the months they are reporting it being late.    PNC misapplied the payments on this loan which caused it to report late every month even thoug h all payments were made in a timely matter.    PNC sent 2 letters  now which are of automatically generated format of identical text stating they are reporting it correctly which is A FALSE STATEMENT AND VIOLATED FCRA RULES AND REGULATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank and I open an account XXXX/XXXX/15. Shortly thereafter I receive a notice ( and check ) we 've closed your accounts. Chase says if you have any question call XXXX. I call and I am told reason for the closure is fraudulent activity. After my concern I call asking who is responsible for any fraud. There are only XXXX parties involved, XXXX or Chase Bank. Chase at XXXX changes the subject and will not answer any questions. Within my Chase accounts there are XXXX bonus I expected to receive. I have met the requirements. Chase comes to me promising bonus and then changes their business tactics. 









i recieve a

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit score averaged XXXX on both XXXX and Equifax. It dipped on both by about XXXX points respectively because my credit card utilization was at 97 %. I paid off all my credit cards and my score should go back up by about XXXX points on both. Today, XXXX reported nothing and Equifax only went up XXXX points! How is this possible?! They are both also saying my credit reporting history is 18 months old and that is lowering my score now as well. My credit history is well over 10 years old. I do not understand how it is even possible for credit reporting to affect your life so much! They should all be abolished, or at least just have one. This is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Late fee

Complaint: I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Payday loan () with BlueChip Financial (TN).
Issue: Charged fees or interest I didn't expect

Complaint: Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with BB & T. I had a mortgage with XXXX XXXX XXXX and I paid off the mortgage account. But mistakenly, XXXX XXXX XXXX deducted the mortgage payment from my BB & T checking account and I incurred XXXX over draft charges of {$72.00} on XX/XX/XXXX and XX/XX/XXXX as a result of insufficient fund on my BB & T checking account. I have complained to XXXX XXXX XXXX and they admitted their mistake and sent the wire to My BB & T account. I called BB & T and explained everything. BB & T promised me to refund the XXXX overdraft charges and I waited for a week. Nothing happened and I called BB & T and after being on hold for one hour, I was able to talk to BB & T customer service. I inquired about the status of the refund for the XXXX overdraft charges. BB & T explained that the initial customer service representative requested to the wrong department and they will request it to the correct department and I hung up the phone. Another week passed and nothing happened. I call BB & T again and I was being on hold one hour and twenty minutes and was able to talk to a customer service representative and I asked for manager and she put me on hold about 30 minutes and said that manager is on lunch and asked me to leave my phone number and I did leave my phone number, but I have never get any phone call back from BB & T and have n't received any refunds for the XXXX over draft charges,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Receivable Recovery Services, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid {$170.00} to my doctor 's office on XX/XX/XXXX ( cleared bank and posted to medical office account on XX/XX/XXXX ). This is a debt which I still believe is not owed but was willing to make payment so that it would not be reported on our credit report. 

Received 1st letter from Receivable Recovery on or near XX/XX/XXXX. Called the agency and informed them I did not believe I owed the debt and requested records from BOTH Receivable Recovery and the doctor 's office. I also informed Receivable Recovery that I would make payment in the meant time. To date, I have not received records from either entity. 

Received a call yesterday from Receivable Recover. Called them back and they told me I had not paid yet. ( Note that I had received multiple calls each day for a XXXX # with no voicemail on the Friday and Monday prior to speaking with them ). I informed them they were wrong and the operator proceeded to be very rude with me. I requested a supervisor and was sent to the voicemail. Immediately called the billing company for the doctor and was told that they showed the bill paid and that notice had been sent to the collection agency to that point. She assured me that they would send a second notice of payment to Receivable Recovery. 

Received another call today from Receivable Recovery that they had just received notice that the debt had in fact been paid in XX/XX/XXXX and to inform me that they were processing a deletion since it had been reported to the credit agencies. I am furious that this has been reported as the matter had been correctly taken care of. I spoke to a supervisor who was of absolutely no help. He basically said " We reported it, we are asking for a deletion, its over, not sure what you want me to do about it. '' I believe that this agency uses fraudulent practices in trying to collect debt. They are harassing and not willing to do what is asked of them. To date, I still have not received any documentation from them proving that we were notified that we had a past due balance with the doctor and would be sent to collections, nor that Receivable Recovery had attempted to contact us prior to the letter received in XX/XX/XXXX. ( They claim a letter was sent in XX/XX/XXXX. ) I was also informed by the supervisor that he did see where I had request an itemized statement, and that they had requested one from the doctor 's office ( because they accept files for collection WITHOUT a copy of the bill ), but that they never received it from the office. 

I maintain that I followed what was expected of me in 1 ) disputing the amount in question and 2 ) making a payment in the amount in question to the doctor 's office in order to prevent this from being reported while we tried to clarify the situation and Receivable Recovery did not do as they promised by reporting this to the credit agency while the debt was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE with the XXXX submission process as well as the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.

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 07/13/2015 about Debt collection (Auto) with Byrider Franchising, LLC (AR).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am only XXXX days late with my payment. I pay XXXX for my car and I was called stating if I did not pay today, they were reposessing my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Closing/Cancelling account

Complaint: Credit Care cancelled my credit card do to inactivity. This has affected ( lowered XXXX my credit score. I had do nothing wrong and had no late payments etc. Symphony Bank said my other card XXXX would also be cancelled do to non activity. This has large credit availability and will further effect my credit score. They want me to use my card and for them to collect interest or suffer the consequence. I see no other reason to cancel an account if it was and is in good standing, never late and paid the balances on time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with Home Loan Center, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: -- Obtained {$7000.00} loan through Lending Tree/XXXX XXXX for XXXX work inXX/XX/XXXX ... XXXX referred us for loan and coordinated it. <P/>-- Loan specified 0 % interest, $ XXXX monthly payments due on XXXX of each month for 24 months -- We have made the

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Called me and my daughter and mother and said they were a law firm and are going to send an officer to my house to serve me a summons and i could serve jail time if restitution is not made immediately. My daughter and mother are terrified! They were told this would happen to me after contact on theur own private lphones at their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Problem  with Experian.     Report Number :  XXXX  I have tried getting them to correct the information many times!     There are  XXXX   Student Loan  accounts that have already been removed from my   XXXX    and  XXXX  reports. They have been paid in full.     The date of first delinquency is  XXXX / XXXX /   10  and there has been no activity report since. I have reached out to Experian many times to try to correct with no resolution. Since it has been seven years. It has fallen off my reports with  XXXX  and  XXXX .     Experian has refused to address my queries and disputes.

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 10/23/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Money transfers (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Fraud or scam

Complaint: I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation