milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (AL).
Issue: Charged fees or interest you didn't expect

Complaint: I 've had a loan with Titlemax in  XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: Citi has an internal record error about how a credit card was closed that they refuse to fix and refuse to approve my credit card application with a XXXX clean report and score. 

The annual fee had posted and did not see value to continue use of the card such that I called to cancel the card. I applied for a new card a couple years later and was told I ca n't because the previous account was closed due to delinquency, which is inaccurate.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account is passed 7 years XXXX XXXX 2008 salute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs

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 02/15/2017 about Debt collection (Credit card) with Army and Air Force Exchange Service (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX XXXX XXXX with a {$8400.00} balance in XXXX. So far, XXXX XXXX XXXX has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted XXXX XXXX XXXX and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked AAFES and XXXX numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.

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 03/20/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders

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 07/30/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was offered a settlement amount of $ XXXX monthly payments. After I gave the man all the information for my bank account he then told me he could only do 12 monthly payments of {$400.00} instead of what I was originally told my payments would be.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has not secured my very private credit information and as a result of the recent leaks has left me vulnerable to identify theft and credit fraud - among many other risks that I have n't mentioned. 

This should not and can not go by the way side. Something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (LA).
Issue: Trouble during payment process

Complaint: My home was flooded in XX/XX/2016. Flood insurance payments were made for repairs and were endorsed over to the mortgage company to disperse for repairs on the home. The mortgage company turned over management of funds to insurance claim check.com and they continue to delay and stall the process of repayment to me to repay Repair the home. To this date they have yet to disperse any funds to me other than what I have already paid for and will not release funds based on prior agreement of turning in receipts and contractors bids in a timely basis. They continue to change guidelines on release of funds to me which are much stricter than they would in the case of releasing funds to a general contractor there by placing unreasonable burden on me. Each time I attempt to resolve repayment of receipts or contracts I get a different story and continued delays. They also require additional inspections that they would not require with a general contractor. These guidelines or not laid out on their website process section and have not been made known to me until the process is again shut down. In addition they continue to slow walk disbursement of funds even though they have verified all checks were to be overnighted they use instead snail mail. It is my believe at this point that there is intentional slow walking of disbursement of funds to cause further duress on me and my family to repair damaged home. The most recent action of sending reimbursement check for paid receipts has again been mailed through the Postal Service rather than overnight even though I had clarified with two supervisors that all checks would be sent overnight due to the financial stress that their guidelines had placed on my family.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my information and the information of millions of Americans to be lost in a security breach. In addition to abusing the trust of the American people, they have sold stock before the information was released and are offering fraud protection in exchange for the right to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I purchased XXXX phones from XXXX : I was originally with XXXX Bought XXXX new phones and switched to XXXX and ported my numbers Returned the phones to XXXX because the service was not good in our area - returned within the 2 week time period. 
Bought XXXX new phones with XXXX, had number ported back In XX/XX/XXXX I received a collections notice from XXXX in the amount of {$1300.00}. I called XXXX and spoke with a rep ( got bounced around quite a bit ). Finally got to someone in collections. I explained the situation to them. He did see in his system that the devices were returned and numbers ported out. He gave me a case number and said the resolution date would be XX/XX/XXXX. 

On XX/XX/XXXX I received a collections notice from a different collections company regarding the same amount as above. Called XXXX back today XX/XX/XXXX and they said I have to go back to XXXX and have them make a note in their system that the devices were returned and ported back. The XXXX rep said there was no notes in their system showing my prior conversation with customer service. I asked to speak to a supervisor and they had me on hold for 35 minutes - the phone mysteriously hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Closing/Cancelling account

Complaint: American express shut my card down because they said i had a return payment when i did n't, when in fact they talked to my bank and cleared it up, approved a transaction then stopped it.kept calling my back to see if funds would clear and got a yes each time

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today 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 non-monetary relief
Consumer complaint received 09-01-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MI).
Issue: Using a debit or ATM card

Complaint: I was issued a prepaid debit mastercard several months ago by Citibank in the amount of {$700.00}. I used all but {$170.00} and the card expired XXXX/XXXX/15. I called today at XXXX and asked them to issue me a new card so I can use the rest of my cash. They told me no, that I could not have another card. I asked if they could cut me a check then for the balance, and they said no. I asked for a supervisor and was also told this. I do n't understand what gives them the right to keep my money? Life happens, and I 'd been saving that card for school shopping for my children. I logged into my account with them and saw that it still had a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time capital one was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents capital one so he is in charge of the matter this man knows i won the case and so know between capital one and this attorney my credit is toast.because of these actions i fill victimized by this atorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 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: Account status incorrect

Complaint: the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

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 11-05-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a a unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX reported an unpaid bill several times with several account numbers on my credit report. The bill had been paid. I have spoke with their credit department several times. They apologized and agreed to remove all accounts and delete the information. XXXX has removed it, XXXX has removed it, Experian is still failing to remove it. I do not know if this issue is with experian or XXXX, but experian denied my dispute with them.

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 02-08-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I received XXXX overdraft fees to my bank of america checking account. I made sure to check my balance before sending EVERY payment I made, yet I still magically received XXXX overdraft fees yesterday. I have had this problem before, but the cause never dawned upon me until today. 

I received over XXXX charges to my checking account from bank of america dating back to XXXX XXXX on XXXX XXXX! It did n't matter that my " Available balance '' was fine when I made each and every transaction. It turns out that my " Actual '' balance that differs from the on screen balance was hit with charges from last week YESTERDAY, which made me go below zero and receive x2 {$35.00} overdraft fees. 

I was n't informed of the reasoning until I called into Bank of America and was informed that it 's out of their control when other companies decide to post their transactions. I was n't aware that various companies ( XXXX, XXXX and XXXX XXXX XXXX XXXX ) could mysteriously decide to post their transactions dating up to a week back all on the same day. I smell something fishy.

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 02-12-2017 about Credit reporting () with National Consumer Telecom & Utilities Exchange, Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am an identity theft victim ; credit bureaus, XXXX and NCTUE are not clearing the fraudulent information from my history. Has been XXXX months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I do n't see the logic behind a credit freeze being offered free of charge with a valid police report but forcing the ID theft victim to mail all the sensitive information. This is punishing ID theft victims instead of those who choose to file the freeze online for {$10.00} with each bureau. 

The credit bureaus seem to be coercing individuals to pay the {$10.00}. Being the victim of a recent identity theft, I feel uncomfortable mailing all sensitive information such as the requested copy of a drivers license and full SSN to have my credit frozen free of charge.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I paid my Bank of America Credit Card my house payment which gave me a credit balance. I received a late payment letter from Bank of America Mortgage. Then I realized what I had done I called Bank of America Credit Card and they said they would forward the money to the mortgage group. I called the mortgage group to let them know what I done and they said they would put a note on my account. I then get a foreclosure notice for being one month behind because the money had not been forwarded to the mortgage department. I call the mortgage department and advise them again what had happened and again they state a note would be put in my file. I then call Bank of America Credit Card and they tell me it had been forwarded to the mortgage group. I then call the mortgage group and they tell me they did not receive it however they would check into it and get back with me. Then I receive a letter from XXXX XXXX a debt collection agency and they are taking over my loan. Then I get notification that my credit has been adversely affected by a 30 day late report from Bank of America. So called Bank of America about this and they say well it was late and they are not going to do anything about it.

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief