milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX  bank portfolio Recovery is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of {$50.00} and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Payday loan () with MNE Services, Inc (SC).
Issue: Charged fees or interest I didn't expect

Complaint: I was called by XXXX XXXX XXXX, who had my entire SS # so I thought they were real. They said that I owed over {$800.00} for a payday loan i never took out but would settle for {$430.00}. I checked and found that their number XXXX was a scam operation. I have contacted my bank concerning the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Lien placed on my residence when debt is not mine. Person who the debt belongs to has same last name and same last XXXX of SSN, however different first name and middle initial than mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Vehicle loan or lease (Loan) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. 

*Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), Trans Union is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Experian CRA on multiple occasions regarding a collection reflecting on my personal credit report from " XXXX XXXX XXXX '' that I am no longer responsible for post a divorce. This particular account was assigned to me during chapter XXXX bankruptcy proceedings and subsequently I was dismissed of this liability via a divorce an my spouse received this property. I have disputed this account for the past 18 months with Experian an they wo n't remove this negative mark. I have provided documentation and contacted " XXXX XXXX XXXX '' on several occasions with negative results. The account number is # 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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: This Complaint is in reference to the information provided by th e Collection Agency   XXXX   XXXX   XXXX  in response to my most recent Complaint against the Agency ( #  XXXX  ; see attachments ) regarding the fraudulent debt assigned to it by  XXXX   XXXX   XXXX . I have attached t he USPS tracking inf ormation for Article #  XXXX , which the Agency alleges constitutes proof that I was indeed sent notification by the Creditor via Certified Mail of its plans to impose a claim upon my deposit, as required by Florida Sta tute 83.49 ( 3 ) ( a ).  Note, however, that this mailing was initiated on  X/XX/2016    -- or more than 2 months after the debt had been submitted to t he Credit Reporting Agencies -- in a blatant attempt to cover for the Creditor 's failure to comply with Florida Statutes well after the fact. As for the Agencys further allegation that Florida Statute 83.49 ( 3  ) ( a ) does not apply in situations where the tenant has " abandoned '' or " vacated '' an apartment, clearly the fraudulent notice sent by the Creditor via Certified Mail -- which must have been intercepted by the Creditor itself ( also a violation of Federal Law ) in an effort to prevent me from obtaining proof of its efforts to circumvent Florida Statutes, or else it would have been forwarded to me at my grandmothers residence, as specified in my change of address Confirmation -- is indicative in and of itself that Creditor is keenly aware that the concepts of " abandonment '' and/or " vacating '' are not applicable when the Courts have evicted a tenant and ordered the lo cal Sheriffs Office to take possession of an apartment on behalf of the landlord, as the Collection Agency has frequ ently pointed ou t ( se e attachments ).

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 02/18/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Problems caused by my funds being low

Complaint: Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.

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 05/27/2015 about Debt collection (I do not know) with Essential Retrieval Group (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling me and wo n't say who they are, just that they were hired to collect a debit I owe. And when I try to explain that I do n't owe any XXXX they start saying they are sending someone to my home with a summons. They are now harassing me. How can I make this stop?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sequium Asset Solutions, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XX/XX/2018, Sequium Asset Solutions , LLC received a collections file from XXXX XXXX   stating that I was past due. XXXX XXXX then received a call from me asking why. XXXX then explained and expressed their deepest apologies for the incorrect information. They " accidentally '' opened a second account in MY name!! XXXX, the Supervisor at XXXX   sent in a ticket, # XXXX, to Sequium Asset Solutions , LLC to immediately remove this item and No One has yet to respond. It has been well over 3 months now and still no results!! I have never lived in unit # XXXX, which is where they are reporting these lies. My apartment complex has also tried to reach Sequium to inform them I never lived their and no answer ... I am trying to buy a home and Sequium Asset Solutions , LLC has destroyed my chances and my credit, yet I nor XXXX  can get get them on the phone!!! I am pressing charges for breaking the Fair Credit Reporting Act ... But not even my lawyer can get them on the phone!!! Please help ...

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 08/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian refuses to provide me a copy of my Annual Credit Report and/or a copy of a credit report when denied credit. This is an ongoing issue with them ... sometimes they follow the law and provide it to me and other times they do n't. This is the XXXX time they are requesting a copy of my Driver License. Why??? Nothing has changed since the last time. They are purposely depriving me of my Annual Credit Report under United States law and they need to be made to follow the law like every other citizen and business operating in our country.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I was charged XXXX overdraft fees of {$35.00} each, in the amount of {$100.00}, when my account was only overdrawn by XXXX check in the amount of {$300.00} on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.

Company response to consumer: Closed
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: Lender requires proof of flood insurance for the building ( condo ) on an annual basis, which is provided automatically by the insurance agent. Each year, lender sends a letter of reminder that they need the proof. Each year, I contact the insurance agent, who confirms the date/time the proof was sent. Each year, I then contact the lender who confirms receipt. 

Same thing this year. I contacted the lender in XX/XX/XXXX, was told by the agent they had received the information they needed from the insurance agent. 

Yesterday ( XX/XX/XXXX ) I received a letter from the lender indicating they had secured a flood insurance policy on my behalf, and set up an escrow account to handle the fee. They indicated that the policy they secured ( {$860.00} ) meant that I now owe them {$1600.00}. 

I spoke with the lender today. The agent confirms they *DID* receive the information from the insurance agent, but they still need the DECLARATION PAGE ( which does not appear on the original notice ). They have asked me to obtain and fax to them. If they are satisfied, they will look to unwind the process they went through to obtain flood insurance and bill me.

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 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery calls my cell phone from the number above along with many other numbers several times each day. The debt they are calling about is already dropped from my credit report & over the time limit yet they continue to call me multiple times every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (SC).
Issue: Managing the loan or lease

Complaint: I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (WA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Citibank has a promotion that offers a {$300.00} cash bonus if certain conditions are met. One condition is to make at least a {$15000.00} deposit that is to be kept in a checking account for 60 consecutive days after the account is opened. Another condition is that within 30 days one qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new account. This last condition is difficult, if not impossible, to meet, especially if the so-called qualifying direct deposit originates at a government agency such as Social Security. Such an agency may require up to 60 days to make a direct deposit to an account. I have brought this matter to the attention of a bank 's customer service representative. That person stated that the bank may make an exception in such cases, but he could ensure me to give me this in writing. I am of the opinion that the bank 's management is aware of the inability of prospective clients to meet the time-restrictive Direct Deposit requirement. Some clients may not have read the fine print, opened an account with {$15000.00}, have a direct deposit post after the 30-day deadline and do not receive the {$300.00} cash bonus. Meantime the bank has the client 's money and earns a profit on it without compensating the client for the use of that person 's money. As far as I am concern this is a scam and an unethical business practice by Citibank.

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