milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: credit bureau still have not deleted these fraudulant accounts from my file I have filed a affidavit for identity theft sent it in.. why are they so crooked. this is not about making money from the consumers its about helping the consumer coming back from a identity theft. all kinds of FCRA laws have been broken.

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 09/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXXkeep receiving daily recorded messages from collection agency calling themselves allied. i do not have any outstanding debt or unpaid bills.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: - On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XX

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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: CITI-M/C Double Rewards Account opened : XX/XX/XXXX . We never had a purchase of {$3.00}, & they never showed it as an unpaid balance forward. Since we pay off all purchases listed each month, this had to be their math error or ours. SEE ATTACHED : Our  XX/XX/XXXX summary history review letter. & Their  XX/XX/XXXX  response letter plus copies past 3 moths of statements.
We have spent countless hours & effort through their secure message site & on the phone trying to clarify when, where & how this amount appeared without an honest direct concise response to our question from them. Citi 's customer service representatives rarely include a name on their correspondence, making it difficult for follow-up to whomever responded to our inquiries. { Note : Also missing on their  XX/XX/XXXX  response letter. } We felt the only way to get issue cleared up was to stop using their card for purchases, which we did before  XX/XX/XXXX  cut-off plus being unaware they would be charging interest on same. Interest on interest in   XXXX    was the last straw, prompting closing our account on  XX/XX/XXXX . Their  XX/XX/XXXX  billing just received, failed to mention our {$8.00} balance due us in our Reward Account or even the fact it is a Closing Bill.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was directed by the TRANSUNION web site to get a free online credit report from a separate free website, but when I tried to access the credit report for TansUnion I was given an error that said they were not providing online credit reports at this time. So I tried to access the Transunion site to get an report and they said I would have to pay for a report since I already accessed my free one. Looks to me like a scam to get me to pay for a credit report that I should be able to get for free. Not sure why this is so hard for credit bureaus to be cooperative with consumers regarding getting easy access to privately owned data that's collected without our approval or consent to begin with.

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 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is still showing a federal tax lien on my credit report which was removed and withdrawn by the Internal Revenue Service on XXXX. The other XXXX main credit bureaus properly removed this from my report

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Why is rentdebt still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (DC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Medical) with Frost-Arnett Company (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX XXXX Other frauded my documents as bedroom products

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 11-03-2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: On XXXX. I took out a payday loan of {$1000.00} thru Castle Payday. They approved my loan i have paid them a total of {$2800.00}, that is 286.90 % interest. I have been receving calls from a coolection company stating that i will be served with court papers. i feel i dont owe them anything they got {$1800.00} in intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: We switched car insurance companies years ago. Wells Fargo asked us to provide proof of insurance. 
We provided the prof of insurance for the new company. 
We received a confirmation email that reads : you will be contacted only in the event that we are unable to verify the information you have provided to us. 
We received no other contact from Wells Fargo in regards to insurance but we have just discovered that Wells Fargo as charged us for insurance since XX/XX/2013 and hid it under the principal payment line on their e-statement. 
When we made a complaint to them, they asked us to provide proof of insurance again. 
We no longer have any proof from 2013 although we have the email confirmation that they received our proof of insurance in XX/XX/2013. ( we provided this to them ) Wells Fargo has taken no other action to research their error.

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 04-04-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It forced me to select Communication tactics however that is not the issue at all. I am trying to buy a house and I need all dispute remarks removed from my credit report in order to get approved for a loan. I have called the credit bureaus multiple times to get these remarks removed and LVNV Funding LLC continues to put dispute remarks back on my report after removal. I DO NOT want to dispute this account. I want the dispute remarks removed immediately once and for all. I have asked for this multiple times for over 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Mortgage) with Sortis Financial, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We had a scam on our house by XXXX XXXX XXXX of XXXX, Ms . The owner skipped the country with most of the money they collected. I have paid on this since XXXX to XXXX XXXX until they went into bankruptcy last year ( XXXX ). Since then I had been paying the Bankruptcy Division in XXXX, Ms . In XXXX of XXXX a company named XXXX XXXX XXXX took over. I have sent them copies of my cancelled checks for all of XXXX and XXXX. I happened to forget about XXXX XXXX payment and sent it in this XXXX with my XXXX payment. I have already sent XXXX XXXX payment to them but they keep sending a statement saying I have been delinquent since XXXX XXXX. At the time of the transfer to Clearspring I had to get them to deposit at least 3 month checks that they kept telling me they did not have. They finally deposited them. I do not want to lose my house over this. I have repeatedly tried to get this fixed. I have all letters, e-mail communications etc. with the Bankruptcy court and XXXX. I ca n't seem to trust anyone to deposit my checks so I can have proof. I do n't want to give them my card to take out my payments because I do n't trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit company by certified letter asking them to take it off and that it did not belong to me about 6 months ago. They refused and had no prof it is my account. The company reporting is XXXX XXXX for a XXXX account alleged for on X/X/2015. I was never with XXXX I was with another company. I have even asked the credit bureaus and they have denied me my legal right as well. Please help.

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 12/15/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CT).
Issue: Managing the loan or lease

Complaint: I applied for and was approved for a loan with Avant Credit, issued by XXXX on or around XXXX of this year. At time of application/approval, terms such as high interest rate of 35.94 % were not disclosed. Rate was learned about after reviewing terms on company web-site recently, it did not show previously. Had I known about such a high rate, I would not have applied. I borrowed XXXX and will be paying more than double that at end of 60 month term, this is ridiculously high. 

After doing some research, it appears Avant charges everyone the same flat rate, regardless of credit score/worthiness. My score at time of application was in the mid to high XXXX range and my rate should not be so high, there seems to be something shady going on here. A number of XXXX reviews show a large number of negative reviews about Avant, most about high interest rate. I spoke with a XXXX XXXX at Avant and was not able to resolve matter, he defended the rate and claimed to have screen shots showing terms, rate, etc. There is no way he can show/prove what was shown to me on my end/my computer screen, at time of application. 

This is XXXX of several complaints filed, previous complaints were referred to FDIC, Avant stated they received a similar complaint from them as well and replied. I have received no reply from FDIC in regard to this matter. If AvantXXXX thinks I will pay over XXXX in interest, more than the loan principle, they are sadly mistaken. 

In closing, please advise Avant/XXXX that they will not see anymore payments until rate is lowered. XXXX XXXX as well as another Avant rep have also been advised the same. Their address is XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Auto) with Portland Credit Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Medical) with Frost-Arnett Company (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When the bill came through the hospital it was XXXX and I paid XXXX up front before XXXX on a XXXX deductible. They are trying to collect XXXX dollars and will not send an itemized statement after being asked to do so. 

Calls numerous times a day and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (HI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2015 XXXX XXXX XXXX collected a debt that occurred with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX via phone to ask for the negative collection statement to be removed as it has been 3 years since the event occurred, but they informed me that I would have to contact XXXX XXXX XXXX to remove it. Once I contacted XXXX XXXX XXXX, they informed me that they could not locate the account information or show any record of me being in their system or being in debt with them at any point in history. I would sincerely appreciate any assistance or guidance on what I should do to get this removed from my credit report. 

As shown on credit report : Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation