milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Credit card () with Continental Finance Company, LLC (NH).
Issue: Late fee

Complaint: I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. 
I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. 
I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. 
Please, help me! : ( they call every day! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: APR or interest rate

Complaint: I realized XXXX day after a payment was due that I had not paid my card. I went online to pay the balance and noticed that they had already put a late fee and interest on my account. I always pay the balance due. I called them to see if they would waive the fees and they said they would waive the late fee but not the interest. Although I was not really satisfied I realized I made a mistake and accepted that I had to pay the interest. I paid the balance the day after it was due. I then signed up for autopay to pay the future balances so I would not be late again. My following month was paid then when I received another bill there was interested on the bill again. I called for an explanation and they said that since it was late the XXXX time then the interest charge was automatically placed again. I explained that even if they wanted to claim that, the balance I paid was {$570.00} and the interest being charged for XXXX day was {$10.00}. That would come to 54 % interest. She claimed there was a basic interest charge regardless. I also spoke to her Supervisor and she also refused to budge. I told them that if the {$10.00} was not waived I would cancel the card, which I intend to do after I pay the current balance. I still disagree with their practices and told them I was going to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing with the Experian company for months now regarding the Validation of an account with XXXX XXXX. I am disputing that this account is being reported inaccurately and on those ground I would like experian to immediately stop reporting this account. when I have ask to reinvestigate Experian advises the account is correct and tells me not my inquiry is frivolous. Here the issues, that I am disputing which according to the credit act if information is not complete, inaccurate, or proof cant be provide it should be remove. On all three credit reports there are discrepencies, The dates that the account is open some reports say XXXX/XXXX/98 others say XXXX/XXXX/98. None of the credit bureaus have matching reporting dates while XXXX XXXX has no reporting dates. I reached out to the creditor and they advised that they were not able to provide me with the original date of a sign contract proving that i sign up for this account. So how was Experian able to validate this account with all these missing pieces. I also have file claims regarding identity theft and still Experian is not looking into just sending me a form letter stating they wo n't review it. i have sent them numerous correspondences with return receipts. My request is for Experian and all other credit Bureaus to immediately stop reporting this account due to the inaccuracy of reporting that is causing me not to get approve for credit,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: The marketing companies only said they would take me off, but thought I was interested in offers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with NCC Business Services, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.

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 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Also improper contact and sharing of my information to an unauthorized person not on my account. False statement of what they are calling in reference to. I receive harassing phone calls constantly from Mariner Finance. Now there is a lady from the headquarter office name XXXX who 's calling me harrasing me about a payment i was told to make that i made to keep them from coming to seize my car. Two weeks later i get a threatening call yhat they are going to make decesion on XXXX/XXXX/2016 of what they are going to do saying that i did not make a payment that i did make two weeks ago. XXXX # is XXXX the local office # is XXXX where i also receive threatening and harassing calls from.When XXXX called on XXXX/XXXX/2016 my friend who had my phone answers and told her i was not available and she would take a message ... XXXX went n about the reason of her call and about a payment i made and so and on which should not have been discussed with this party regarding my account my friend told XXXX she has nothing to do with that she just can take a # XXXX went on still discussing the reason she was calling which was none of my riends business she also made the comment that it not that person she can relay the message of what she is calling about in such words. When i did try to call her she was yelling at me in the phone because i told her she was a liar. Therefore i hung up in her face being that im not a child and she will not yell at me. The people at the local branch have even went as far as calling me from a *private call* in reference to this matter.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stearns Ventures, LLC (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called Stearns immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me ( after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, 3 separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over 120 points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards ( which I had no problems previously ) and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that Stearns should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.

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 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX / XXXX /  XXXX   I contacte d Ability Recovery Services LLC. in a n attempt to settle a debt that was outstanding on my credit report. When I called the first time I spoke with a gentleman that offered me a 15 % discount off of the original amount owing. I informed him that I was unable to pay that amount and asked if there was any better offer he could come up with. He informed me that the best he could offer was the 15 %. That ended our conversation. Less tha n 5 minute s after the original conversation ended I was called b y Ability Recovery Services LLC.   and spoke to a female representative. She informed me that the original person I had spoken with was not the account manager on this particular account, and that she was authorized to make me a 50 % discounted settlement on the account. At that point I informed her that I could make that payment as soon as I received a letter stating the terms of our agreement. She informed me that she was located in Pennsylvania and that " preemptive letters '' were illegal in that State. I told her I would figure some things out and get back to her, and our call ended. On  XXXX / XXXX /  XXXX   I was called on my cellular phone b y Ability Recovery Services LLC. bu t was unable to answer because I was at work. On  XXXX / XXXX /  XXXX   I called again. I was run through a recorded prompt. I talked to the same female as previously and asked again for a settlement letter. Once again the female representative explained that they do not send out " preemptive letters '' and that I was on a recorded line and that was good enough. I explained that I would not be making any payments until I received a settlement offer in writing. She said she would send me a bill and that is where the conversation ended. On  XXXX / XXXX /  XXXX   I call ed Ability Recover Services Again, Talked to   the same representative again and was once again told that they will not send preemptive letters out, and that in fact it was illegal for them to do so. At that time our conversation was over

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that you have reported that I owe a debt. To my knowledge I have never done business with your company and nor have you provided me any services or goods

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: XX/XX/XXXX, I was switching auto insurance companies. I had cancelled my insurance with XXXX, however they ran an unauthorized charge on my checking account. This thus led me to incur overdraft fees. After contacting US Bank, they explained to me that they would remove the charge and fees if XXXX reversed the charge. I called XXXX XXXX and asked them to reverse the charge, they stated they were n't able to do it electronically, but could issue a check. I called US Bank to confirm this was ok, the CSR stated it was fine, I would have to deposit the check into my US Bank account. After receiving the check, I deposited it immediately and called US Bank right after. The CSR I spoke to, stated they would reimburse the fees. A month or so later, I get a letter from US Bank stating my account was closed for having a negative balance, and that it was referred to collections. I called US Bank, and the manager I spoke to, his name was XXXX, stated they could n't do anything since the account was transferred to the collections agency and that I would have to speak to them. I explained to him that the charge was unauthorized, and that the payment had been returned. Again, he stated US Bank could not help me any longer. This is irritating because I am being hit with fees for a charge I did not authorize, and now my credit is in jeopardy.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 07-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I have a business account with Chase. My fiance is a signer on the account and has her own debit card. She deposited a check made payable to her personally into the business account. She received a receipt saying that it may take up to 10 days to clear. I received a letter from Chase and was told over the phone that due to the deposit, my account was restricted and would be closed unless they received certain information from me -- specifically wanted to know the phone number associated with the payer 's account. While this seemed unusual, I asked the payer for the phone number associated with his business account with XXXX XXXX XXXX. He told me that the check had cleared his account and emailed me copies of front and back of check indicating it had been paid ( attached ) also gave me the phone number. The Chase phone person said that this was not the right number associated with his account, Dozens of phone calls and two weeks later the funds sit in a suspense account at Chase " indefinitely '' and my account is being closed by Chase at which time the payer can request the funds be returned to his bank, so long as he provides the information that Chase is looking for. Of course this is absurd and I would hope be illegal as it is basically stealing. Does Chase have a right to hold money indefinitely and require personal information from a paying account not even related to Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with CITIBANK, N.A. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This complaint is in reference to a Macy 's account that has been charged off several years ago and for which I received a XXXX for the balance. The account has been disputed several times with the credit bureaus for the inaccurate way its being reported. The account currently shows a balanced owed and late status which is inaccurate. Please address the correction of this account for I have done so with to no avail.

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 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX, received letter on XXXX XXXX XXXX that investigation was completed and information on report was CONFIRMED ( NOT true because bank told me they can not verify information after 5 years! ) with XXXX bank - no change will be made. I was told to follow up with XXXX bank. 
I have been calling bank since XXXX XXXX, XXXX multiple times and told that Corporate Office will correct the information, i owed nothing etc., thus i never was notified by the bank about " delinquency ''. Today, XXXX XXXX, XXXX, XXXX bank told me that they can not verify record after 5 years. 
Please help to correct my credit report and my score which has been affected by this error and I am not able to refinance my home.

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