milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: i have no idea why this XXXX is on my credit report or who it 's from

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 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was a XXXX XXXX customer for over XXXX years and canceled my service in XXXX. I returned all the time XXXX XXXX in XXXX. We paid the last monthly bill and at the time of the return was told I had retuned everything. There was nothing to pay the day I returned the equipment. 

Today I received a call from Stellar Recovery , Inc. XXXX, MT XXXX which I was later told is a Division of XXXX XXXX XXXX, and requested to pay a {$22.00} Bill Plus a {$9.00} Transaction Fee. 

I paid the bill and fee because they threatened to report this bill to the credit bureau. They also said they could send me a bill in XXXX days but then I would be past 60 days ( for a bill that has n't been sent ) and I would have already been reported to the credit bureaus. Having never missed a payment in my entire life and having done business with XXXX XXXX since XXXX of 1982, I was greatly upset. 

I never received a final bill in the mail and the person from the recover company could not or would not provide me an explanation of what this bill was for. So I 've paid a bill I 've never received and ca n't verify what I was billed for. 

The recover company left a message on my phone with an automated message not referencing that this was in regard to the final XXXX XXXX XXXX. XXXX XXXX has not returned my call this morning to explain to me what I was billed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Managing the loan or lease

Complaint: Initially the re-payment structure online stated {$1300.00}. loan with {$350.00} interest prior to accepting the loan ( XXXX 2016 ). Once I accepted the terms became unclear as a new payment schedule was offered at 497 % interest. I began making payments, but the interest continued to accrue. I requested documentation confirming the terms of the loan and all payments made, but was informed Ace cash does n't offer this type of documentation, but could be viewed online. No information existed online as well once I checked. Interest rates were continually applied, adjusted and re-applied as per the customer service individuals I spoke with but no individual I spoke with could offer clarification of the interest, terms and payments made on the loan. I 've written, but received no response nor telephone call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is my 2nd complaint to be filed by me for the Peaks Loan. My first was for the fact that I did n't know who the heck they were or what they were since I signed an agreement with XXXX XXXX to service my temporary school credit. After establishing that peaks was the new servicer and paying 3 years of {$220.00} payments my balance never went down. I have tried to secure a means of refinance but due to Peaks over zealous reporting habits, my credit score took a huge hit. I was no longer able to refinance the loan and could not get anyone to loan me the {$9000.00} dollars they said I still owed after 4 years. My famly has since fallen apart and have been going through a really tough divorce that has lasted a year now. During that time I was no longer able to pay on the loan due to high childsupport payments and attorney 's fees. The company was contacted and told the situation but was not willing to help. A few months later during their investigation period with the SEC, they contacted me and tried to inform me about refinance options which were even at a higher rate eventually than the existing rate. I declined and asked for forbearance and in the past that was usually handled over the phone, well this time I was told that I would receive an email with the form to apply for forbearance, that I would have to fill out on my own. That email never came and now I get a letter from them in XXXX XXXX that my Peaks Loan is now in Default. Outraged, I have chosen to not return the single call, from the company, to me since that letter. My credit report shows that the Peaks loan was started XX/XX/XXXX. I had never heard of Peaks until after graduation in XX/XX/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 03-11-2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was approved by my insurance company for several XXXX. The XXXX were to be done every 90 days for 1 year. After the XXXX XXXX I inquired on whether the insurance company paid for it, I was told they had. At the XXXX XXXX I inquired again, before the procedure as I had had issues with the provider and insurance company. I was told it was in processes and I was cleared for the next XXXX. 90 days later I return for the XXXX installment and again, checking on the balance, I was told the insurance company had not paid for the XXXX or XXXX procedure fully and I was responsible for a large balance. I cancelled the XXXX XXXX and escalated to the medical provider, XXXX XXXX XXXX, as to why I was not told of the balance. I had not been called, I received no correspondence via email or regular mail. I would not have had the XXXX XXXX had I not been assured things were fine. I was told it was a 'processing issue ' and they could not do anything about it. Even with multiple attempts to remedy the situation, apply for financial assistance and dispute resolution. I then receive a call on XXXX/XXXX/16 when I was n't home ; I return the call today on XXXX/XXXX/16, less than XXXX hours after the call, to be told this debt was now a judgment and I have no remedy. They were taking garnishment action against me and I have no options in the matter. This amount is in excess of {$2000.00} and I do not have the capacity to withstand a garnishment of that magnitude. I was not given the correct information, nor am I allowed to dispute this current action per XXXX XXXX at Merchants XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has reinserted 2 accounts on my credit report that are fraudulent that do not belong to me and are a part of identity theft. There is a XXXX account that I disputed a while ago that was removed and not it has mysteriously has been put back on my credit report. I asked for a signed contract with my signature for and XXXX did not furnish this..So the account was never validated. There is a XXXX/Home account that does not belong to me. A consumer can not show proof of something that there is no signed contract with a signature on it. I asked for a signed contract and never received. I want these accounts removed for they are damaging my credit score. I will be forced to file a lawsuit similar to the Oregon federal court lawsuit in XXXX 2011,  XXXX XXXX of XXXX County, Oregon. One would think that once you have been sued for millions you would learn from your mistake. There is no contract that I signed to " share information '' for any of this false accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Trouble during payment process

Complaint: I recently looked at my credit reports and noticed that this PLANET HOME LENDING , LLC reported 30,60,90, 120 day lates on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My ex wife and I owned a home together before our divorce. We were told to sell the home through our divorce and we tried to do just that with Bayview to no prevail. I decided then before allowing a foreclosure to move back into the family home. I moved in and was given a modification but was NOT told that I had forced placed insurance on my home. Bayview Loan paid a local company to install a sump pump in this home which ultimately failed causing my and my family {$10000.00} in damages we were unaware were covered by this so called forced placed insurance. If I were notified in advance about this insurance by my company I would have never moved my family into this home. My loan specialist even admitted in email to having the sump pump installed in this home. Now, they are not fixing the mold issue and or replacement of the damaged areas in the home causing my family to be subjected to mold all over again which is a health risk for me and my newborn child. I have a total of XXXX children in this home and they are refusing to repair the home and cover the belongings in this home we moved into this home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a Chapter XXXX Bankruptsy filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. Transunion does not report the XXXX date, so I disputed this item and sent a copy of the Discharge to Transunion. Transunion did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Date Unpaid as XX/XX/XXXX '', which is NOT correct, there is no " date unpaid '' with a Chapter XXXX Bankruptcy. I disputed this XXXX times without resolution.

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 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am being sued by a rental property. They hired a collection company to collect a debt that is more than a year old. I never received any notification about the debt until the collection company called me. They harassed me by phone on XXXX/XXXX/16 requesting a payment in two hours ( half of the original amount ). I contacted the rental property and the Assistant manager, gave me two completely different versions of my situation and at the end told me that she did not have my file so she could not provide me with any more information. I also sent XXXX emails to the company 's receivables department and I was redirected to the collection company. I also sent a certified dispute letter to the collection company a few days later. No one ever answered it or contacted me, but they reported the debt to the credit bureau. Now, my credit is affected by invalidated information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. 

Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.

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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hello, My name is XXXX XXXX, On XXXX/XXXX/XXXX I called Discover customer Service and was told that my Credit Card was canceled. I had just made a payment of XXXX. I struggled to make payments back in XXXX due to a job loss. I was able to eventually get caught and have been making payments on time for about 2 years, my card available balance was not made available to me for about 2 years and also my card was restricted from my personal use, I was told this would only be for a short time. I feel that I was lied to so that discover could continue to receive payments from me. when I called on XXXX/XXXX/XXXX I was told a letter was sent out to me verify that my card had been canceled. I have never received a notice in the mail nor an e-mail or anything about this. I have also have been paying extra on my payments in the last year. I do n't think this is fare because closing this account will affect my credit. Discover advertise false advisement on how much their customers are important. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Repeated attempts to contact Professional Account Management LLC regarding this matter have failed. Including phone calls ( no answer ) and leters ( also no answer ). 

Received a notice about an unknown debt owed to XXXX Government for {$100.00} on XXXX XXXX, 2014. After verifying with the XXXX that it was valid, full payment made on XXXX/XXXX/14 ( i have written records ). Received another letter on XX/XX/2014 stating the debt was still outstanding while it was not. Attempted to call Professional Account Management with no response via phone call or letter. Professional Account Management proceeded to report this as an unpaid debt to XXXX and has not corrected that error. Multiple attempts to contact them and have this corrected have failed. Company is unreachable. Their address is listed as XXXX. Telephone 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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ConServe (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate info with breach of XXXX has destroy my credit please take a deep look into this I filed a police report and sent to all bureau involve violates my rights cra and hippa

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX Forgot date Tried to make settlement but they asking more then I can effort

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have wrote a letter to Transunion, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XXXX XXXX Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off 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 explanation
Consumer complaint received 07-10-2016 about Credit card () with CITIBANK, N.A. (MS).
Issue: Identity theft / Fraud / Embezzlement

Complaint: THIS IS A HARD INQUIRIES ON MY CREDIT REPORT. I DO N'T KNOW WHAT THIS IS. XXXX XXXX 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 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted TransUnion XXXX and XXXX multiple times to reports multiple inquiries on my accounts are not mine and not authorized. To no positive outcome they keep telling me there is nothing they can do. This issue is deeply affecting my credit and is unfair to me. I would like for these unauthorized inquiries be 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 09-10-2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (FL).
Issue: Managing, opening, or closing account

Complaint: I had a T-Mobile Prepaid Debit Card and was using it fine for almost a year. They summarily closed it about six weeks ago ( XXXX XXXX ) and accused me of not using it properly? I was very upset. I have a great deal of money in it and even though I submitted all the documents they requested for a refund, I still have yet to receive it, let alone any response from them. I 'm very worried and concerned about my money. Which, it should be noted, is diminishing since they are charging a " monthly maintenance fee '' despite the fact that it 's a closed account!?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Cunningham Law Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.

Company response to consumer: Closed with explanation