milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2017 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (SC).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian ; I signed up in XX/XX/2016 to monitor my credit report and after a few months I decided to cancel as I did not need the services anymore. I tried contacting Experian at the number that shows up on my credit card statement and i have sat on the phone over 20 times for over 45 minutes only to have the call dropped. While on the phone with them they have a recording that plays that says " if you want to cancel your membership, sign in to your account online and its easy to cancel '' however there is no place to be easily found on their site to cancel the membership. They route you back to calling in to cancel. Today while sitting on the phone I surfed their site and finally found an email to XXXX. I sent an email requesting cancellation and informed them that I was filing a complaint with the CFPB and FTC. For a company to make it so difficult to cancel is fraud. While I was typing out this complaint I finally got someone on the line with Experian after another 32 minutes. Then suddenly the call dropped, again!!!

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. 

I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.

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 07-09-2015 about Debt collection (I do not know) with Radius Global Solutions LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing

Complaint: I am very frustrated with American express. American Express customer service is horrible. I just opened a blue cash everyday credit card account few weeks ago ( in XXXX 2015 ), and then I received a pre-approval mail today for the same Amex Blue Cash Everyday credit card with a better promotion offer ( {$150.00} cash back bonus instead of only {$100.00} bonus ) under my name and the same home address of mine. I called to ask if they can grant me the promotion of the mail that I received since my credit card account is relatively new ( only a few weeks old ), plus I received this mail offer ( with the same credit card product ) from them directly. After over an hour repeatedly explained and waiting due to I was being transferred around to different departments and agents for several times, and then only got an answer from a supervisor ( agent ID XXXX ) basically saying sorry, a bad luck. I even tried to contact American express via other social media, such as ask Amex on twitter, and they informed me that there is no direct email that I can contact regarding my concern, and they can not do anything. I was extremely upset and frustrated with their service. I just do not understand why they advertise me a promotion offer that they can not grant. What is the point of advertising / sending me an offer IN MAIL to me directly ( with my name and address on ) for a credit card product that I just obtained ( exactly same credit card product ) few weeks ago, and then told me there is no way for me to receive such promotion. This is ridiculous. 

I still have the physical copy of the advertising / promotion mail that I received, and I will keep it for further actions if it is needed. 

Thank you so much for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I opened a card with JP Morgan chase bank in XXXX. Their first statement got issued on XXXX XXXX, 2016 with a balance due ~ {$2700.00}. My payment was due on XXXX XXXX and I made my payment through automatic minimum payment setup. Then I posted {$5000.00} payment on XXXX XXXX. JP Morgan chase assessed finance charge of {$73.00} on while balance due and not only on the balance that was leftover from first statement. I called up customer service and they mentioned they charge interest on the whole balance. That means, even if I purchased an item on XXXX XXXX, they will still charge a full month of interest on the balance due on XXXX XXXX. That means I am paying interest for time on an amount for which I did not borrow the money. This is inappropriate and robbing money from small consumers like us. Please help and review. With this type of payment policy JP Morgan is looting XXXX of dollars from consumers for the time where money was not borrowed. They pointed to the agreement we signed which never shows example of the case above.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Carter-Young, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Credit & Collection Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with Financial Credit Service, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: The Equifax hack has made my families personal information available to the dark web. Equifax hack check indicates 3 in my family " potentially '' have had our info stolen. From numerous articles it was indicated putting a freeze on our accounts, on all four services ( XXXX, Equifax, XXXX XXXX XXXX ), is the best thing to do. From my understanding if your information was stolen, there should be no fee for the freeze. XXXX and XXXX charged me {$10.00} each to put a freeze on and they indicate we could be charged {$10.00} for each freeze / unfreeze. 

1 ) I want Equifax to refund these fees as their hack is not my fault.
2 ) I want FREE credit monitoring from Equifax for life for everyone in my family 3 ) I want not fees to unfreeze and refreeze my accounts.
4 ) Equifax execs need to go to jail for insider trading as they sold stock after the hack and before they informed the public

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX marked XX/XX/XXXX on my Transunion report. I tried to contact XXXX directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact XXXX. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

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 09/25/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with Alliance Data Card Services (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been repeatedly receiving calls from XXXX XXXX. The number is XXXX. 

I think I have spoken to these guys before and told them I have never had any credit card with these guys, but they keeping calling for some debt that I have no information about. 

It has been a little excessive lately. Sometimes the calls are coming from an unknown number. A lady called me very recently and left a voice message with a call back number and extension : Phone : XXXX Extension : XXXX Kindly step in and help. I do n't really know these guys and do n't want to waste my time with them arguing about something that never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A XXXX collection account placed on my credit report was removed from XXXX and XXXX after it was disputed by myself, but is still reporting on Experian. after numerous attempts to clarify and resolve this matter with Experian, I keep coming up with no answers. this is an old account that should have fallen off my report according to the FCRA compliance date instead, it has been re-aged and reconstructed to make it still reportable. On a credit report pulled by myself in XXXX, this item was due to be reported in XXXX.ON another report requested by myself in XXXX, this item was re-age to continue reporting in XXXX.and last but not least, in XXXX, XXXX when I got my credit report, it is again re-aged to continue reporting in XXXX and all of this is taking place without any correspondence from me. In other words, I have not have any communication from them neither by mail phone nor any type of communication with this company. However, after receiving my credit report earlier this month, i contacted Experian and a representative told me that I needed to take it up with XXXX because they were the ones reporting this item. when I contacted XXXX through the phone number that was listed for them, i spoke to a gentleman from the collections department. I explained the situation to him and I gave him the account and the number that have been reporting on my credit report. He could not find anything under the account number I gave him. He gave me his email address and asked me to send him a copy of the credit report with the reported account so he can take it from there. I emailed him the information that same day, and I still have not gotten any response from him. I am super frustrated and I need this item removed from my credit report. I have a copy of my XXXX and XXXX report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with FIRST CITIZENS BANCSHARES, INC. (AZ).
Issue: Problem when making payments

Complaint: After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.

Company response to consumer: Closed with explanation