milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with BTH Management (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with U.S. BANCORP (CT).
Issue: Advertising and marketing

Complaint: Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX-XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).

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 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ZIONS BANCORPORATION (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I recently found out about a default judgment from Zions Bank from back in XX/XX/XXXX. This came out after I applied for a mortgage. My wife and I do not recall being served. I was ill during this time, and was diagnosed with a XXXX. I am XXXX. I looked into the service of process. It was allegedly served in in XX/XX/XXXX. The service was returned by XXXX in XXXX, Arizona. The owner of the company is XXXX. Zions Bank attorney XXXX is the person who asked for the service. I found out this XXXX was dissolved by the XXXX for not complying with Arizona State Law. This makes the service of process void. I believe that Zions Bank was aware of these facts and had this illegal company serving fake documents and then obtaining default judgments. I will attach documentation to this effect Please forward this to the Federal Trade Commission. How many other unsuspecting people did this happen to. Maybe some type of class action lawsuit is appropriate. Zions Bank is ultimately responsible as the lawyer and process server worked for them. I am also going to contact the Arizona media, and see if Channel 3 will do some type of investigation.

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 07/20/2017 about Debt collection (Other debt) with Interstate Recovery Service, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX 2016, while living in XXXX I received a phone call from a woman in my hometown XXXX. She was trying to sell me a magazine deal paying {$40.00} a month with the reward of {$250.00}. I told her, while busy at work I was uninterested bc I was a single mom of XXXX & do not read mags nor have the money for it. She then went into how she also had XXXX daughters as far as where they graduated from & that she could get me the {$250.00} coupon for shopping online if I just paid the shipping/handling @ {$4.00} for XXXX kids mags for my boys. Due to being in a hurry at work & her convincing me there were no attachments I paid the {$4.00}. After never receiving the mags or {$250.00} coupon, a month later I was charged {$40.00} from XXXX XXXX XXXX. I called and spoke with a guy named XXXX. He then argued that I had 7 days to cancel upon that first call & bc I did n't was attached to a 2 year subscription of mags. I stated that I never signed anything, I never agreed to anything. How could I be attached to a plan I never signed or agreed upon with anyone. I argued & fought and said he was actually helping me, said he 'd note that I had 2 months to come up with the money and that he 'd lower the pay to {$20.00} a month. In the mean time I left my purse at a restaurant a few weeks later and had to get all new info. When XXXX 2016 hit and my card did n't work the phone calls began, I even got cursed at by a guy all the while I had told him everything all over again. My apartment had flooded, I had since moved and my apt had forwarded my new address. I spoke with 3-4 different people and I kept stating if you listen to all previous phone calls, which you state you have, you will know exactly what has happened. Each and every time someone new would call they said they never had trace of previous phone calls, they were horribly mean and after arguing I 'd end up crying or hanging up bc I did n't know how this was possible. They 'd state this was my fault and I needed to pay, after that went on I begin to get letter after letter stating I owed {$340.00} for what was remaining. I have had hundreds of phone calls from collectors stating they 'll accept {$200.00} to get rid of it all. The final letter I have received is from them stating I owe the {$200.00}. I owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: found out that over the past 2 years literally XXXX payment has had even just a little bit applied to the principle balance. over XXXX paid and only XXXX paid on principle. I currently owe more that i loaned for and more than the car is worth. auto lender- SANTANDER .

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 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: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.

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 01/25/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Credit decision / Underwriting

Complaint: This complaint is to dispute the response of Chase on case numbers XXXX and XXXX. The information in the response is not accurate. I have provided all documentation as requested in XXXX and the file was not closed. Furthermore, the criteria for documentation changes and Chase does not share the reason documentation is needed. ( i.e. needing proof of income and bank statement to provide proof of reserves ) Instead a series of requests for documents with changing criteria. 
In addition, even after my file has been disputed twice, still no decision has been made on my file which has been in review since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Back on XXXX XXXX, 2015 at XXXX I turned in all my cable equipment which I have a reciept for to XXXX. I am in the process of buying a house and today XXXX XXXX, 2015 my credit score was pulled and it showed a collection from XXXX XXXX XXXX XXXX for the equipment on all XXXX credit agencies. This dropped my credit score from XXXX to XXXX which is preventing me from buying my home. I am asking to please have this removed from my credit report immediately for it should have never been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Wells Fargo signed me up for a credit card without my permission. I am wondering if I can get the credit card and all the things that affected my credit wiped off. And if I close the credit card, will it affect my credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, TransUnion and XXXX placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, XXXX and TransUnion to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, XXXX and TransUnion Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX Memeber # XXXX and TransUnion 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.

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 02/20/2018 about Debt collection (Federal student loan debt) with HEARTLAND PAYMENT SYSTEMS INC (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I contact XXXX XXXX  on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with Andreu, Palma & Andreu, PL (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter for a collection attorney trying to collect a debt that is to old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I applied for an auto loan and they did not approve the amount I needed and never disclosed higher interest rates with me. 

I decided not to take the loan with Wells Fargo.

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 03/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is information total incorrect, some one stole my identity. I never receive this services. 
Agency Open XXXX BalanceXXXX XXXX {$5500.00} account reported on XX/XX/XXXX Account # XXXX $ XXXXCurrent BalanceXXXX XXXX XXXX ER SVCS OF XXXXOriginal Creditor {$550.00}, Original Balance, XXXX XXXX, XXXXDate OpenedXXXX XXXX, XXXXReport Date, See something wrong, XXXX XXXX XXXX {$2700.00} account reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I submitted information on XXXX XXXX 's website. We were looking for a refinance with cash out to do home improvement work. Quicken Loan 's contacted us. After a conversation with XXXX XXXX XXXX, a Senior Power Banker there, I told her we were not interested as their fees were much higher than we had been quoted else where. We have since received XXXX sets of documents for them as if we are proceeding with the loan. I feel this is very predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company continues to misrepresent the age of this debit. This account initially was delinquent with XXXX in XXXX. They are reporting that the debit was from XX/XX/XXXX to XXXX. XX/XX/XXXX I have a statement that represents that at was at the very least 6-month delinquent. They are not reporting an initial account date with XXXX just that this debit was opened with them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have two Discover credit cards. I used XXXX XXXX bill pay services to pay the XX/XX/XXXX payments and received delivery confirmation on both checks. One was on XX/XX/XXXX ( Amount {$300.00} ) and XX/XX/XXXX ( Amount {$750.00} ) respectively for each card. Both checks are CONFIRMED as delivered by XXXX XXXX XXXXs. To get the payment address I used XXXX to locate the Discover website that published the payment address by typing " payment address for Discover Card ''. 
The search resulted in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX as the payment address. Furthermore, the link goes to : https : //www.discover.com/XXXX  which is a published web page for Discover payments. The checks I mailed to this address were not cashed ; however I have payment delivery confirmation. A few weeks later, Discover reported me as 30 days late on my credit report for both accounts. Upon calling them to find out why, they maintain that the published address on their website is NOT the actual payment address and even though I have delivery confirmation, they refuse to reverse the negative credit reporting even though they were paid by me. 

This situation, through no fault of my own, has caused my FICO score to drop over 100 points and has caused me to be declined for credit on several very important loans. Discover should reverse the negative report since I can clearly provide delivery confirmation for the financial instruments and used a clearly published address.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a student loan which was submitted to the student loan forgiveness program which was approved based on the fact the school was audited and teachers were not certified, falsified student attendance records. Also had another loan where they owed me a refund but refuse to pay I escalated the case and was approved. Experian did investigation and first reported it was transferred to another lender. Now thy reported transferred to the government permanently. I requested it be removed as its no longer valid debt. I also had a tax lien which was released which I also requested to 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 non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Man-Data Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Late fee

Complaint: Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief