milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (ID).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much

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 11/24/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Using a debit or ATM card

Complaint: My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Bank of America several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Bank of America is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.

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 07-10-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I am needing an advise on what to do with CashCall. I have the loan with them around XXXX. I have been paying religously and try not to be late with that company. But when I called last month my loan is still $ XXXX. I asked how come the loan never came down and was told that only {$3.00} goes to principal. I was shock and blame myself for taking this loan as last year was very hard for my family and I. I was working as a contract for work and did the CashCall loan as we need it. I have paid them to date {$1600.00}. The reason why I tried to keep on paying on it is because I read alot of how they harassed their customers. I cant afford to pay this anymore and afraid that if I stop paying they might harassed me at work and I am still new in here. Can you please help me as what to do. Thank you so much and god bless ... If you published this please change the my name. Thank you again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with Global Lending Services LLC (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I purchased a used vehicle from  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   2017 . They secured financing for me through  Global Lending  Services. I purchased the vehicle in  XXXX , but I live and work in  XXXX . I am  XXXX   years old  and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from  XXXX   XXXX   XXXX  give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in  XXXX , and I will have to pay for tax, tags an d title in  XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (AZ).
Issue: Can't contact lender or servicer

Complaint: I have been trying to contact XXXX ( XXXX XXXX XXXX ) regarding a payday loan I took out with them in XXXX of 2017 for months. Every time I call ( which is tough since I work the same time they operate ), I get a busy signal or the line hangs up while I'm on hold. I have also lost the ability to see my loan status on the site as well. I decided to do some research and found that some other people where having the same issue. I checked with the XXXX XXXX XXXX XXXX XXXX and discovered that payday loans are prohibited in state and that XXXX XXXX is not even licensed in my state.

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 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Source Receivables Management LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Amount was paid in full in 2014 but still appear on credit report plz remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.

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 07/21/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage payments with Bank of America ( BoA ) on the XXXX of the month online. ( It takes up to 7 days for it to clear the bank which by the way it is from a BoA checking account ) Unfortunatelly starting on the XXXX of the month, the XXXX harassing phone calls a day will start wanting to know why I have not paid the mortgage. This never ends until the payment has cleared. Is this really necessary? Do they not look into the BoA account and see that there is a confirmation on file with a payment scheduled for clearing before starting the calls? Now the kicker of the most troubling part is that they have now started to call my dad who is my emergency contact asking him to contact me to make payments that technically has already been made. Not only is this annoying, but also disrespectful because I have been a loyal client of the bank for over 20 years. If it was not because I have multiple accounts with them, I would close all my accounts and stick with my credit union.

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 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you

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 03-07-2017 about Credit reporting () with JH Portfolio Debt Equities, LLC (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: jh portfolios re-inserted a old deleted fraudulent debt into my credit file, I sent letter to remove and they did not respond ... contined to re- insert a 2012 debt back into my credfit file, with XXXX ..., XXXX and XXXX deleted it ... XXXX has not

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 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I was involved in a military scam. The scammers were supposed to be paying back money that I would d o cash advance  and put in an " agent account ''. The payments were being pulled back. I was unaware. I would co ntact Chase to see if eligible for cash advance. The sa id yes on each occasion. I had calls from their security department several times. I called back they asked if I made a purchase, I said yes. No one on all if these occasions told me payment being pulled back. They finally sent letters saying could n't reach by phone and I had spoken numerous times. I contacted once I realized that I was involved in scam. Payments made by scammer and account was supposed to be closed and no further transactions made. This w as  XXX   -17 final  payment made in  XXXX  -17. I a gain called  XXXX -17 to inform Chase that scammer had account in there bank name  XXXX   XXXX  and provided account #. I wanted to give them scammers then security person did n't even want to deal with me or take information. On  XXXX  -17  the scammers pulled back all the payments after account was supposed to be closed and secure.. I call  XXXX  -17. T hey wo n't listen or try to help. The {$24000.00} increased to {$31000.00}. If they had told me on any of the numerous phone conversation that I had previously that payments being pulled back, I would have realized scam earlier and would n't have been out if control. I called again  XXXX  -17 I di scussed complete situation and asked why they did n't protect my account like they were supposed to, they just filled complaint and said go to small claims court. The scammers is in California.. they accepted no responsibility for not taking me seriously when I contacted before. They had their money. I had called  XXXX  because I had informed them same thing. They assured me that wo n't happen to have payment pulled back because I had Informed of fraud, just like I did for Chase,. They locked account down and forward to their headquarters. Why was Chase so negligent with my account. I realized that I made mistake and tried to rectify with them before they lost money again.. They failed to take proper action after I kept informing them of scam to protect them and me and that scammer using their bank to scam people. They basically blew me off..where are you to get help if you contact the bank where there is problem and they do absolutely nothing. This is wrong especially when I talked to an employee on  XXXX  -17 an d I was basically told account was safe now that paid and closed down. Please help this is happening to many people. When I made deposit in " agent '' for scammers Account the teller said alot of people are depositing alot if money into this account. I have repeatedly tried to tell them this and they do n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: XXXX was repossessed by Honda Financial Services on or around XXXX XXXX or XXXX. As soon as vehicle was recovered, I contacted the company to try to obtain vehicle back. The customer agent advised me of the payment amount due and when it needed to be paid. The amount need to be paid was {$3700.00} and need to be paid by XXXX XXXX according to the customer service agent in the recovery department. I obtained a check from my financial institution and had it sent via overnight delivery on XXXX XXXX, 2016. After following up with the company on XXXX XXXX, the company vehicle disclosed that they would send the release forms to the company XXXX XXXX located in XXXX, TX the same day, so I could arrange for pickup of my vehicle the following week. Monday XXXX XXXX, I contacted XXXX XXXX and told that they received my documentation but my vehicle was transferred to Auction on XXXX XXXX according to XXXX at XXXX XXXX, her number is XXXX. I contacted Honda Financial Services again because I could n't understand why they would arrange a payment and then send the vehicle to auction before the agreed upon date. I was also told by the agent XXXX and XXXX that I actually had until XXXX XXXX to pay the fee to recover the vehicle. my vehicle is currently still at the auction location and I am trying to work out a time to retrieve my vehicle. All of my personal possessions have been removed from my vehicle and I was never provided any notice about any of these proceedings or what I could do to remedy this situation. I am also a servicemember with protection under the Servicemember Civil Relief Act, I served for 12 years, but recently separated in XXXX to move into the XXXX Component. I know there are laws to protect servicemembers, but my biggest issues revolved around not being able to recover my personal belonging and remitting a payment for a vehicle that was sent to auction after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around  XXXX     2016  , Commonwealth Financial Systems began r eporting a collection for  XXXX   XXXX   XXXX  for {$680.00}. I believe this was regarding an emergency room visit several years ago.     I do not have any debt to  XXXX   XXXX   XXXX  since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to  XXXX  twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to  XXXX  without a valid Florida license.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was reviewing my credit report and this medical debt was on my credit report.
I have not been to the Dr or hospital to have any debts reported on my credit report.
I have not been notified or any bills regarding past due balances or debts owed.
This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect.
I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling.
I want this removed from all 3 credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon checking my credit report on XX/XX/2017, I noticed XXXX XXXX had placed a Charge-off on all three reports XXXX XXXX, XXXX, and XXXX. I disputed these findings with the company and all three CRA 's on XX/XX/2017. I received a letter from all three CRA 's stating that the account had been validated, but got nothing in writing showing the validity of this account. The amount written off was supposedly {$95.00} but it shows as paid less than full amount of {$47.00}. I have received documentation from XXXX XXXX that this account was paid in full with a {$0.00} balance. I was never notified about this account being reported as a Charge-off. I would like this account removed from all three reports, or send validation of this account. XXXX XXXX never sent me anything in writing about the validation of this account except the letter showing paid in full {$0.00} balance. I have disputed this account 3 times with no results or explanation.

Company response to consumer: Untimely response
Consumer complaint received 04/15/2016 about Debt collection (Medical) with Integrity Solution Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation