milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the  check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NM).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: 1. Had made previous dispute regarding the company charging late fees on payments that are within the months time but apparently are n't within billing cycle.
2. Company had waived late fee and just notified had to make payment after the XXXX or XXXX of the month. I went to make a payment today on the XXXX. Then found a {$41.00} late fee charge.
3. Called customer service regarding this new late fee charge. Customer service representative described previous incident regarding payment. I am informed the representative that I had a letter from the company removing late charge. Also, stating to make payment after XXXX or XXXX.
4. I also stated that this charge was posted on my account on XX/XX/XXXX ( Screenshot ) representative then put me on hold to contact other department. Representative came back online and stated they will waive {$25.00} fee off the account ( which was previous late fee amount ). I told representative that will not suit me and I wanted no late fee charges as per company 's letter and I just wanted to make my payment. This had to be reiterated many times until representative stated {$41.00} late fee amount would be removed within 48 -72 hours. I stated that if this would be reflected online so I can review. I did not make a payment today so I can check after amount time after the representative told me it will be removed.

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 11-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital One they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (TX).
Issue: Making/receiving payments, sending money

Complaint: By mistake I made a payment to a closed credit card account. The closed account is U.S. Bank account number XXXX XXXX XXXX XXXX. The overpayment was for {$400.00}. U.S. Bank will not refund the overpayment and I have asked 5 times on the phone and twice via a letter. Three ( 3 ) months and no money.

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 11-11-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I called JP Morgan to inquire about the status of loan # XXXX XXXX issued by XXXX to XXXX.- Tax ID XXXX in XX/XX/XXXX for $ XXXX. 
Loan was, according to our records, paid off XX/XX/XXXX. 
JP Morgan transferred me to several departments and when finally it appeared that I got the right department, a lady - XXXX from Texas said that she did n't know who could help me either ; however, she was going to have someone call me at the end of the day. That never happened. 

My name is XXXX - shareholder at the XXXX to whom JP Morgan extended the loan back in XX/XX/XXXX under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (SC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: For the last couple of weeks, I have been in contact with Ford Credit. I explained my husband was XXXX for a year and he was geographically challenged in the communication area. He had tried to make the payments and was getting a DNS server error. Meanwhile I was talking to Ford Credit and making them aware that he was XXXX with communication problems. I also explained that Im not on his bank account and they needed verbal confirmation from him in order to take a payment from me. I was having trouble connecting with him to make this happen. Today, XXXX XXXX they repossessed my car and left me with a husband whos XXXX, XXXX children, and no transportation. Im in the Country, so their is no public transportation. I called Ford Credit while they were repossessing my car and said to the gentleman that he was covered under SCRA being a XXXX XXXX with a unit for more than 180 days. This was also expressed in my communication with them prior to this day. I also told him to look at my communication over the last few weeks in regards to us trying to make the payment and he confirmed he was seeing that communication. We were only one payment behind coming up on our second payment when the communication about my husband being XXXX started with Ford credit. I left a message with my husband to call Ford while the guy was here for the repossession and that it was an emergency. He called Ford credit also and they told him that they needed a certified payment and thats why he was getting DNS server errors when he was trying to pay. They never once communicated this to me over the last few weeks, nor did they tell him? So weve been trying to pay all the while we couldnt have anyway because it had to be certified! My husband is in a remote desert area! How do they expect him to know this and why didnt anyone communicate any of this to us before the car was taken? Im thoroughly disgusted with Ford Credit and the way they handled this situation and their lack of concern for a United States Servicemember And his family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Harvard Collections, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX credit ... a collection agency ... is improperly reporting after not following 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 12/16/2016 about Debt collection (Medical) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to sell my home for XXXX years after being turned down by Chase Bank to help with our monthly payment. After XXXX years of waiting for a buyer we finally have someone that wants to submit a fair offer on the home but Chase 's refusal to provide a copy of the new appraisal is holding up the file. That 's all we need to proceed with the buyer 's offer to Chase Bank. Can you please help with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently applied for a personal loan with a bank I have done business for many years. 
My load approval was rejected based on information contained within the credit report from Equifax. Reason stated serious delinquency, time since delinquency is too recent. 
The bank gave me the agency that reported this information. I contacted XXXX XXXX XXXX company an ask to speak to a supervisor about the information reported. I was informedmy payments were not submitted on the due date an were reported as 15 -30 days late for several months. After reviewing my account they determined my payments were made in advance of the due date but within the same month and therefore when the due date arrived it was reported as nothing received. It is not that payments were not received in advance of the due date, but the posting did not show early payments in theresystem. I ask if they could contact the credit bureau and have the delinquency statement removed. They told me nothing can be done. My complaint is I have been charged withnumerous delinquent payments each month when in fact I not only paid the amount due each month I paid more than the minimum and long before the due date. They do not dispute this statement and thanked me for being a good customer, but there is nothing they can due to change this reporting. I believe this not only to be unfair reporting, but has greatly affected my overall credit score reducing my score very low. I want them to contact the agency and remove all this information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ph : ( XXXX ) XXXXDebt : XXXX XXXX - XXXX $ XXXXI had XXXX and paid final bill upon returning equipment on XX/XX/XXXX. I moved to XXXX on XX/XX/XXXX. In XX/XX/XXXX, I found a collection being reported by above collector. In XX/XX/XXXX, I ask for validation and deletion during this validation as I never received a XXXX day notice of collection before submitting it to credit bureaus under FCRA. They apparently sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had been living in XXXX for over a year at this point and my current address as that time and now was on my credit file in XX/XX/XXXX. Collection Bureau of Hudson Valley pulled an XXXX Credit report on XX/XX/XXXX to obtain information such as my address. They failed to send a XXXX day notice of collection activity to me at my current address on file on XXXX XX/XX/XXXX so I could validate the debt and pay it if it was a true debt before it got reported to my credit bureaus. I notified them in writing of validation after finding it on my credit file XX/XX/XXXX asking them to delete the collection action from my credit file and allow me to validate the debt as well as pay it if it was legitimate. They stated they validated the debt but I still never received this validation and they continued to report it to the credit bureaus after acknowledging they sent the XXXX day notice letter to the wrong address. I was never given a chance to validate and/or pay this debt if legitimate without a XXXX day letter, which they did not provide. It is still be reported on my credit bureaus and they refuse to delete until debt can be validated. According to the FCRA, a debt must be reported at last reported payment delinquency since it falls off credit file 7 years from that date, however Collection Bureau is violating my federal rights and the law by not providing me a XXXX day notice of collection activity before reporting it to the credit bureaus and they are violating the law by stating the delinquency is the date they received it in XXXX, not the last reported payment to XXXX in XX/XX/XXXX. I would like to have the item deleted from my credit file and a given a proper XXXX day notice to validate the debt so that I may pay it if the debt is legitimate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I reached out to XXXX and Experian and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. Experian and XXXX have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.

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 08/16/2016 about Debt collection (I do not know) with TrueAccord Corp. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp

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