milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was required to be late by FHA. Supporting documents attached. 

Divorce proceedings were started XX/XX/2014 and finalized last month - ex wife XXXX XXXX XXXX. I was mandated to pay child support to my ex-wife for her and my XXXX children that share in part-time custody. I do live in the home over XXXX % of the time due to the children reluctances to understand the divorce and are in the process of continuing to move out of the property. I am currently living part-time with my parents. Please release the deficiency of the loan balance as I am unable to pay the remaining balance owed and please apply me for any incentive programs the investor offers since this is technically my primary residence. Due to the divorce, my household income has decreased over XXXX %, while my expenses have increased well over XXXX %. Please see Divorce Decree for amount paid to my ex-wife. I do apologize for this and wish I was able to pay the balance I committed to, but I do not see in the foreseeable future that I will be able to keep the home and currently have a contract on the property to Short Sale the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. 
The below is from a previous suit against LVNV. They are doing this same exact thing to me. 
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. 

#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with EOS Holdings, Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Cramming charges were added to this bill. This charge does not represent actual amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
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: In XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

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 02-09-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with Choice Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was a medical bill due to a car accident geico paid all medical bills

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I recently placed an initial fraud alert on my Equifax credit file online because I came to know from Equifax website that my personal information may have been impacted by the Equifax hack. Since I placed the fraud alert I had a right to get a free copy of the Disclosure of my credit file. After placing the fraud alert online I tried to get a free online copy of my Equifax credit file to make sure I was not a victim of identity theft. I got an error message stating that my credit report was not available online. I then called their automated phone system XXXX XXXX XXXX to get my free credit report. I entered all the required information and at the end I was informed that since Equifax had already sent me the free Disclosure of my credit file I can not get my free credit report. I never received the free Disclosure of my credit file from Equifax as of this date. I also tried to contact them by calling XXXX XXXX. This was also an automated ordering system which did not solve my problem I then called XXXX to speak to their customer service representative. No one was answering the phone and I got a busy signal. 
I also contacted them by email on their website, explained my problem and requested a free copy of the Disclosure of my credit file and gave them my email address to contact me. No one replied and there was no acknowledgment from Equifax. 

Since I placed an initial fraud report I should get a free Disclosure of my credit file from Equifax. It is very important to get this as soon as possible so that I can take the necessary steps in case of fraud or Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Apparently on XXXX this company, Convergent Outsorcing, is report to the 3 credit bureaus that I owe them {$660.00} on behalf of XXXX. I never agreed to this. They are critically impacting my credit which has in returned had me denied for certain things. I have reached out to them and disputed it mutliple times, so I am now taking this extra step to get this resolved. Please help.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: They would n't let me do an forbearance on my loan. I end up paying just the interest On the account but now that I 'm paying it every time. I check it 's not going down it 's actually Increasing by dollars every month. I do n't understand if I 'm paying it why is it going up and not down.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Reported  XXXX   XXXX  to collections after already sending my apartment complex a check for the exact amount. I still have to check stub to proof I sent it. I got a call from   XXXX   XXXX    at   XXXX   XXXX   saying that it had already been paid by  XXXX   XXXX  and that they were going to distroy my check. I approved that and they said everything was complete and paid for!     Forward to abou t 6-7month  later when I received a message from a collection agency about an unpaid cleaning deposit. I stated that it had already been paid by  XXXX   XXXX  whom was responsible for the portion as stated on our move out conditions and terms and that I was in no way going to pay It. They stopped contacting me.     Now since  XXXX    XXXX   I get repeated calls early morning from the same number saying the same thing.     What is my next step to get this removed?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Credit card () with CITIBANK, N.A. (OK).
Issue: Billing disputes

Complaint: I paid a Best Buy credit card balance in XXXX ( amount XXXX ). Apparently this payment was received a day late. Then today XXXX XXXX, I receive a statement saying I owe XXXX in late fees and interest for not paying a XXXX initial late charge that was due apparently in early XXXX. I received no bill in the mail in XXXX and that did n't seem strange to me because I thought I had a XXXX balance. Now here is the issue. A XXXX late fee on a XXXX late payment is a 64.96 % late fee. This is not interest but usury! Now top that off with a XXXX late fee for not paying the XXXX bill ( which again I did not receive ) amounts to a 102 % late fee charge on the late fee. And this is legal?! It should n't be. Now the nice lady on the phone that heard my rant ( I did ask her how she could work for such a low life company ), was willing to remove the XXXX late fee on the late fee, which left me with a XXXX initial late fee to pay. I believe such a fee is immoral/and only describable as " greed ''. A {$10.00} late fee and the check would have been in the mail as soon as I knew I still owed anything ( which I remind you was TODAY, not sometime in late XXXX with a due date in XXXX ) but a nearly 65 % late fee. I 'm not taking it lying down. Irony : I just spent {$1400.00} at BB two weeks ago on a new computer. I am seriously considering carrying it right back in and asking for a refund. So BB you can take me for {$27.00} or I can return my {$1400.00} computer. You decide. Have a nice day.

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 05-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My husband & I had a bank of America credit card. In  XX/XX/XXXX  we refinanced to pay off credit cards and close them. My husband called to get balance for payoff, we refinanced and our credit union cut the check along with our request to close account. BOA received payment on  XX/XX/XXXX . It should have been done and closed. After receiving check they stated balance was incorrect, kept account open, and further charged interest and fees. The card has not been used since. They stated balance was {$66.00} and with interest and fees it is now {$200.00} plus. I offered to pay remaining original balance they declined. It was further reported to my credit report as a co holder that we have been late on account for whole year of  XXXX . I am reporting this to you to investigate and ask for removal of credit report negative information and I will pay what remaining original balance was and to close this account. This whole process by BOA has been unfair to consumer.

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 09/21/2015 about Debt collection (I do not know) with Applied Resolutions Group (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work at a XXXX. THe following person keeps calling here and harrassing us. XXXX XXXX XXXX HE calls here sometimes XXXX times in a row. We are an XXXX. Every time he calls the employee he needs in XXXX OR not even here. When he starts to yell at me I have been told to hang up by my XXXX. He will call back and ask " is this the ignorant person i was just talking to? '' " you ; re not very smart! '' I have had at least XXXX calls in the past two weeks. Our district attorney has been contacted to stop the harrassment also.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (NH).
Issue: Transaction issue

Complaint: I use PayPal to pay for purchases I make on EBay. My PayPal account is set to default to my linked bank account, and has been set this way for years. Today, I noticed that my default had been changed by PayPal without my knowledge or authorization to go through PayPal credit, which I neither requested nor wanted as there was plenty of money in my bank account. Now PayPal is making it difficult for me to pay my bill, as the payments are still " pending '' and there is no way to pay online. I am afraid that I will be forced to incur high interest and default fees for credit charges I did not request and which were not authorized by making it impossible for me to pay my bill promptly ( as they have a policy of putting you in a " credit loop '' which allows them to hold your payments until after they are due. ) I see many other people online complaining about the same unfair and deceptive practice. This needs to be investigated. As soon as I am finally able to pay my bill, I will be closing this unwanted PayPal credit account - hopefully, that will be an end of the matter.

Company response to consumer: Closed with explanation