milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with Acceptance Solutions Group, INC (OH).
Issue: Taking out the loan or lease

Complaint: This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent

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 03/19/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit reporting company is refusing to remove fraudulent information from my credit 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 non-monetary relief
Consumer complaint received 03/24/2017 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: For every Bill I received I have made a payment. About a year ago I stopped receiving bills, and have not gotten a phone call email or letter about this debt. I did not know this debt still existed until I found out from my credit report that I have an account in collections.

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. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected 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 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have requested on XXXX occasions now that Transunion remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; Transunion refuses to conduct a proper dispute. Letter is attached from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX/XXXX/2015, I attempted to access my credit bureau with Equifax due to an identity theft issue. Specifically, I wanted to make sure they still have a credit freeze on my bureau, and if an account had been opened in my name, I would need to dispute it. While I was able to access my bureaus with XXXX and XXXX, Equifax stated I would need to send in a copy of my driver 's license and social security card, because the information verified did not match my file. I know what I entered was accurate, and I believe they just are not willing to provide it. I 've had this problem before with them. 
Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo calling from phone number XXXX, keeps calling and hanging up without speaking. When I finally called back and told them this is a Federal Government office ( USPTO ) and to stop calling ( as I do n't have any loan or any dealing with Wells Fargo ), they refused to agree. Instead, they demand to know my name ( first name ). I told them to instead give me the name of the person they are trying to call. But they refused. Generally, they call several times a day and hang up whenever I answer.

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 05-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: XXXX   XXXX    some guy  XXXX   call  ask for me he said the company is going file in court so I said what are talk about h e u no  take about i go no So he told me I took a pay day loan in   XXXX   I told him I have n't been work since   XXXX   XXXX   I never apply for a loan he I was pay it back he did n't no what happen never had pay day loan so he told I to pay  XXXX   XXXX   XXXX   XXXX  pay second payment is  XXXX  plus  XXXX  he said he email document singing them if did n't they going send to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called XXXX XXXX on serveral occasions telling them im a victim of indentity theft & my XXXX was used fraudulently to opened an XXXX XXXX  account and its showing a remark of bankruptcy which I have never filed.

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 09-02-2016 about Consumer Loan (Installment loan) with BlueChip Financial (FL).
Issue: Problems when you are unable to pay

Complaint: this is spotloan which is another predatory type loan sucks you in and cost way more then it should. I have already pay to date XXXX and still have at least XXXX payments leave. it sounds good at first because it is a low amount they take out every two weeks but it is not a good loan. can not pay back at one time so that is where they hurt you on the loan. they charge for there loans 450 % of loan with payments XXXX over lenth of time. can they do that. i now know better on these loans but at the time did not know and needed the money due to finance issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Billing disputes

Complaint: I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Payday loan) with Enova International, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX

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 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: on XXXX/XXXX/XXXX I received an email from Bank of America stating my credit line had been decreased. 

I called on XXXX/XXXX/XXXX to understand why, the rationale was completely arbitrary and when speaking with the " underwriter '' she stated they pulled a soft inquiry and evaluated my deposits into my checking account. 

My credit line was decreased {$2000.00}. I have been a credit card holder through Bank of America for 12 years and have never gone delinquent. 

I recently closed 4 accounts ( paying total owed off ) that may be affiliated with Bank of America leaving my only open credit account to be with Bank of America. 

from an income perspective this is my highest income year since I 've had the card. the rationale does not seem to be based in fact. 

please help me understand if this is a fair practice.

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 07-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: We were told we were XXXX days late on a payment to this card ( Capital One ). We thought we payed it off in XXXX 2016 with a payment of over {$3000.00}. We have never been late before. Evidently there were re-occuring charges that we did not know about. XXXX XXXX about {$25.00} per month. We have cancelled that. We talked to a Capital One agent in XXXX about this bill we were getting. He told us that everything would be OK, he would take care of it. Obviously he did n't and now we owed this late amount. My wife in disgust paid the {$190.00} on XXXX XXXX, 2016 just to clear our name. But they say that there is nothing they can do to restore her credit rating of over XXXX since it is over XXXX days late. We are trying to refinance. 
Obviously these big companies could care less about us little guys. They just do n't believe us. Also, we never received any paper statement about this bill. Our refinance guy found out about this. My wife 's score dropped over XXXX points. All we want is her credit rating restored. We did not do this on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX my bank didn't pay my car loan because my overdraft protection was accidentally removed. I noticed in XX/XX/XXXX that my car payment with Credit Acceptance wasn't taken out I contacted them on XX/XX/XXXX asking about my payment the representative said I had a payment scheduled for XX/XX/XXXX, on XX/XX/XXXX no payment was reflected on my account. I called again on XX/XX/XXXX and was advised again a payment was scheduled for XX/XX/XXXX, no payment was taken out. On XX/XX/XXXX I received a notice from the credit bureau showing my car not was reported as late and my credit score dropped 78 points. I contacted Credit Acceptance again this rep told me I had a payment scheduled to come out on XX/XX/XXXX, I asked was it other ways I could make my payment she said online I checked it would not allow me to log in I called back in and the rep told me I needed to create a new again because they no longer used XXXX XXXX for their payment company. I still wasn't able to make a payment online because the system said I had a payment scheduled in the system. I called back and was advised my account needed to be deactivated to allow me to make a payment online, I made a payment. I still haven't received any correspondence advising me on my loan being past due or that their was an issue with their system. On XX/XX/XXXX I put in a complaint with the better business bureau after calling again to the company and no one could explain why my payments were not being deducted. On XX/XX/XXXX I  received a call from a rep in the compliance department who advised me my auto pay was XXXX, she then explained I could make my payment online and explained why the payment did not go through she could not explain why the previous reps did not know this or why they would tell me to check with my bank because my bank was blocking the payments ( which was incorrect ). I received another call from that same compliance rep today XX/XX/XXXX advising me she would place notes on my account but she could not remove the late payment charges on my credit. Because of the miseducation of the reps of Credit Acceptance, I can no longer purchase my house and will be evicted from my home because it is showing my car loan as past due for an error on their part. I can understand XX/XX/XXXX payment issue but going forward that was a issue on the company, I was also told that when I missed a payment before they would change my biweekly payments from {$210.00} to {$230.00} and this would not report my car loan as late but when I spoke to the compliance rep today that was incorrect. I would like the late payment charged removed so that I can get approved for my mortgage as well as get a better company to handle my car loan.

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 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX our now bankrupt lender XXXX paid our escrow shortgage and foreclosed, which we modified with them. In XXXX chase assumed the loan when our lender seized operations, Chase immediately started sending our modification payments back & restarted a foreclose. The primary borrower filed a chapter XXXX to stop a sheriff sale. Which we then agreed to try to sell the home to buy time which Chase then agreed in XXXX to modify our loan. Our issue now is the loan fell off both mine and the primary borrowers credit due to the 7 year delinquent payment rule. In XXXX of XXXX chase decided to re list the mortgage on my credit only which shows a balance higher then I owe and showing the last payment received as of XXXX. my issue is I disputed this asking that Chase report the correct balance and the last 18 months payment history, in my now fifth dispute it has not changed Chase stating the information is correct well today Chase told me in a letter it is up to the credit reporting agencies on what they surpress and they ( Chase XXXX has done all they can do to report it due to BK protection laws and that they can not report any information on the loan once a borrower files a chapter XXXX. This is my issue if they can " not '' report due to the chapter XXXX filing then how can they put a 7 year old debt back on my credit and report a single payment for one month in XXXX then record a higher balance and add XXXX payments past due " IF '' they can not update info once XXXX of the borrowers files in my case the primary borrower filed a chapter XXXX in XXXX thus, Chase just reported incorrect info 6 years after the BK and refuses to remove the incorrect info or the debt that went late and stayed late since XXXX till modified in XXXX. I need help understanding how they can say we can not report your good payments under the modification nor can we report the correct balance you owe due to the XXXX chapter XXXX but we will report the loan as modified a high balance then you owe and one months payment so the 7 year clock starts again and this ends up on your credit for another 7 years since we report it as an open account. this seems like a bit of a double standard what they are doing. So again I ask for help understanding the protection laws for myself, if they can not report my good account then why can they update a bad account after one files chapter XXXX. Thank you in advance for your time

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining to through the Equifax portal, certified letters sent to Equifax, CFPB and BBB. I was told to submit copies of my complaints along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to remove the unauthorized inquiries. I spoke with each of the creditors and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter resolved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve me issue at all from previous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit card () with ENCORE CAPITAL GROUP INC. (IL).
Issue: Sale of account

Complaint: I have an old credit card which was purchased by a third party collection agency. That agency is now reporting on my credit report as collections but also as being late with payments. My on-time payment percentage dropped based on their reporting. How can an account be sold off but also be 30 days late?

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Billing disputes

Complaint: I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries added to my report that I did not authorize

Company response to consumer: Closed with explanation