milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Debt collection (Auto) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: 3rd party debt collections company Portfolio Recovery Associates claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with DriveTime (AR).
Issue: Managing the loan or lease

Complaint: I am so furious at this customer service department. Its in XXXX, AZ. And they have givrn me nithing but promises and bam! Last XXXX at XXXX my csr is beingloaded up on a tow truck. Drive Time had repossessed it! After making arrangements to defer my payments to the end of the loan after faxing doctors excuse from work by my XXXX. 
I called the customer service number and they have no record of my request. NOTHING!! 
Not a phone call or log of any sort of my request on XX/XX/2015.. 
Only call they have have record of is making an arrangement for that friday XX/XX/2015 that was called in on Monday XX/XX/2015Well thats Hog Wash I have on my phone records numer calls made to them especially on the XX/XX/XXXX. And darn sure gave new phone number to update my accout. 
Now forsr they said they dont do loan deferments on new loans then it was well itstoo late bc the vehicle has already been picked up. Well imagine that. 
The number the lady respresentative gave me for a fax number that I faxed my doctors papers toisnt even a Drive Time number. Ithink its to the XXXX in XXXX. IDkBut they wont do a thing .help pleaseI have XXXX kids im a single parent we just left their father bc of XXXX have had XXXX XXXX counting XXXX tomorrow on my XXXX. Tomorrow they are schuduling a XXXX bc it wont heal. They will have to XXXX. Its been that serious. Unfortunately all this cameabout well actually has gotten worse ince my purchase and I have been off work bc of it. I need my car.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (IA).
Issue: Other transaction issues

Complaint: Electronic credit card payment was made from my bank account to Wells Fargo on XXXX XXXX, 2016. Wells Fargo received the money on that date, and it was deducted from my bank account. Wells Fargo did not credit my credit card account, but placed a " hold '' on the funds because it was a " large '' payment ( Approximately {$1900.00} ). to date ( XXXX XXXX, 2016 ) no resolution has been achieved despite repeated calls.

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 06-07-2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I opened an auto lo an wit h BBVA Compass Bank i n  XX/XX/XXXX of this  year. My first payment of {$770.00} was applied without issue.  <P/> However, my payment due o n  XX/XX/XXXX  ne ver cleared the  BBVA backen d and the loan went unpaid. On   XX/XX/XXXX ,  BBVA assessed a {$38.00} late fee on the account. After numerous phone calls and online messages, I approached  a manager at a BBVA B ranch office in  XXXX , AZ. I was informed that the payment processing system was " experiencing technical difficulties '' and that is why my payment did not clear. I resubmitted my payment at th e Branch teller window via debit for {$770.00} which posted to my account within 24 hours. I was also informed th at the {$38.00} fee would be reversed.  <P/>  On XX/XX/XXXX , I scheduled my payment ( {$770.00} ) t hrough my online account. As of   XX/XX/XXXX  a t  XXXX  Arizona local time, that payment has yet to be posted to my checking account at  XXXX , no record of the payment exists on    XXXX   XXXX    end. Also, as of the same date and time, the {$38.00} fee has still yet to be reversed.  <P/> I am concerned that  BBVA 's r epeated inability to process payments in a timely fashion ( if at all ) will result in negative reports being published to my credit report, and my account falling into a delinquent status ( neither of which I have EVER had happen ). This would tarnish an impeccable credit report over an issue that is out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report both trans union and XXXX both have XXXX of the same thing on my report ..they are hard inquires for the same car some are done on the same day..I bought a car in XXXX XXXX ..there are XXXX hits for that XXXX car?? Should n't there only be XXXX? Also I bought another car XXXX XXXX there are multiple hits for that same purchase done in the same week.. Please advise me on what I can do if I can do anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech was collecting escrow from me without paying the state. At the end of the year, I was sent a check with the entire amount I was paying them, from which I used to pay my outstanding taxes ( which Ditech mistakenly did not pay ). I accumulated interest charges due to Ditech 's complete failure in setting up my mortgage. While I was in the middle of fixing the problem, Ditech sold me to XXXX who I am STILL trying to fix the issue with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Payday loan debt) with American Credit Financial (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Below is the transcript of a voicemail received on XX/XX/2017 : You 've got a new voicemail from Unknown Caller. Transcript : This message is intended for XXXX XXXX this message tended for XXXX XXXX. My name is XXXX XXXX. I 'm with the XXXX XXXX XXXX calling to inform you that I received a very important documentation my office today under your name is social security number ending in XXXX. I 'm calling to inform you that you have a pending civil claim that 's being filed to get you. I understand if you 're not sure what 's going on also provide a member for you. This is the number of the filing party me questions or concerns that number is XXXX again. That is XXXX and when you call please refer to claim number XXXX please verify the schedule service, unless. I hear differently pro p bus to take you to get you have to excuse me. Have a good day and good luck. 

I called the number. The person answering identified the company as American Credit Financial and I was told that unless I paid $ XXXX That there would be served with a felony intent to defraud action and be arrested for failure to repay a payday loan. 

I informed the debt collector that I had filed Chapter XXXX shortly after incurring the debt. She responded that it did n't matter, I either paid it or I would be served and arrested. 

I asked for their mailing address so that I could send them the bankruptcy documents, and she said they do n't give out their mailing address.

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. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I upset with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call, and I instead had to discover it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other fee

Complaint: This is about the Macy 's AMEX card owned by Citi Retail Services. 1. You get no chance to pay your bill before they charge you {$2.00}, just because. 2. I called and complained and Macy 's gave me the {$2.00} back. I then had a {$4.00} credit. I purchased something about two months later on a Saturday and paid the bill ( minus the {$4.00} - through my bank online when I got home - $ got to Citi on Tuesday or Wed. I get an email notice from my bank showing a balance due that was {$2.00} higher than what I sent. I just received the paper bill and it shows that I only have a {$2.00} credit. What happened to the other {$2.00}. There is nothing on the bill showing they charged {$2.00} for anything. Yes I can call and complain and Macy 's will credit the account but that 's not the problem. Someone needs to stop this death by fee that AMEX/Citiretail is doing. You do n't have a chance to pay the bill before they hit you with a fee. If you do n't realize it, which is easy with ebills, they charge a fee on the outstanding fee on the next bill. It also does n't help that you ca n't access your account information at the Citiretail website that Macy 's directs you to. It just clocks out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried contacting the credit reporting agency at all their available numbers, however, I have repeatedly been unable to get in contact with a real person. Every programmed phone tree I am placed in eventually tells me to get my free report from the annual credit report website, then hangs up on me. When I tried to re-access my report, the agency says I 've already accessed my report, even though I was denied on my first try. I have no idea who to contact on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: EXPERIAN / XXXX / XXXX XXXX ALL THE MAJOR CONSUMER CREDIT REPORTING AGENCIES ARE REPORTING FRAUD ACCOUNTS AND WILL NOT BLOCK OR REMOVE ITEMS AS OUTLINED BY LAW. PLEASE SEE ATTACHED DOCUMENTS AND POLICE REPORT ALONG WITH LETTERS FROM THE COMPANIES REPORTING NEGATIVE AND FRAUD ACCOUNTS. ALL ACCOUNTS REPORTED ON EXPERIAN / XXXX / XXXX XXXX SHOW FRAUD ACCOUNTS OPENED BY XXXX XXXX USING MY NAME / SS # / DL # AND XXXX XXXX XXXX XXXX BANKS ACCOUNTS THAT I 'VE BEEN EXONERATED OF ANY DEBT OR LIABILITY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXXXX  XXXX XXXXXX/XX/2017 XXXXXX/XX/2017

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 04/16/2015 about Debt collection (Payday loan) with Accelerated Financial Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received payday loan and collection will not remove from credit report. The original disagreement was over 7 years ago. Collection agency is reporting it as new debt and did not send a notice before putting it on my credit reports so i could dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DYNAMIC RECOVERY SERVICES, INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Was contacted by Dynamic Recovery for a debt they asked if I had the original creditor and I said I do not believe so, they said that is not the same as not having it, then they stated that they have information where I pay for XXXX cars at a rate of {$1000.00} each and I pay for XXXX credit cards. This information is not only grossly false but is an invasion of my privacy and is not a matter of public record and is not part of the debt they are claiming is associated to me and has not bearing on my financial status and this is all before they provided proof of the debt. They were argumentative and did not want to take my request for a dispute.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XX/XX/XXXX, I applied for a credit card transfer with Bank of America and was denied with incorrect information! I contacted Bank of America about this matter and the representative told me that I had to file a dispute! But I contacted XXXX to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their XXXX representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted Bank of America once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not 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 07-08-2017 about Mortgage (Other type of mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (WV).
Issue: Closing on a mortgage

Complaint: I was told over a month ago that my appraisal was going to be arriving on XX/XX/XXXX. The morning of XX/XX/XXXX, I texted the mortgage company contact, XXXX XXXX at Prime Lending, XXXX, WV. She said, it will be in by end of week, I sent long email response and said I was told XX/XX/XXXX, I think six weeks is long enough on an appraisal. I said I will start filling out online reviews of your company about process. Filled XXXX online consumer reviews of company that night. I received email next day about complaint from compliance manager XXXX, TX, XXXX XXXX. She later called me and said, " Our appraisal team is on it and appraisal will be uploaded first thing in morning. Email message at XXXX, no appraisal yet. She replied, " no they are third parties and they are out of our control. '' Yet I had to have paperwork in by end of the day Friday, yet I sent it Thursday morning. My problem lies with first of all I thought 6 weeks was little long but they claimed factors are involved busy time of year, then I get end of week, then I get tomorrow morning and now it is weekend, who really knows. They have n't told the same story and I feel like I am being pulled along. I paid {$650.00} for appraisal when I was sent email link to pay for it. The lies must stop and produce what is expected. CONTACT Information- XXXX XXXX XXXX direct line XXXX, XXXX XXXX XXXX , XXXX , WV XXXX, XXXXXXXXXXXX, loan officer support/ renovation liaison ; XXXX XXXX , XXXX XXXX XXXX , XXXX, WV XXXX XXXXXXXXXXXX, office- XXXX, cell XXXX ; XXXX XXXX- compliance manager , XXXXXXXXXXXX email, direct line - XXXX, XXXX XXXX XXXX # XXXX, XXXX , Texas 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