milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Debt collection (Auto) with CU Recovery, Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wife co-signed on a car loan for her son. Her son stopped paying on the loan and the car was re-possessed. We received a letter about a week ago from a collection agency named CU recovery, from Wyoming, with an amount to be paid. My wife contacted the agency and was told to try to get a loan to pay off the balance, and if we could not get a loan, they would work with us to resolve the account. Today, my wife contacted the agency, and was told that we had one hour to figure out how to pay for the debt, otherwise they would sue her and garnish her wages. My wife contacted me at my work and told me what was happening. I then contacted several lawyers for advise, as well as researching online what our rights were. I told my wife to contact the agency, and inform them that we were in contact with a lawyer, the agency then said we have one day to pay or they will start to garnish wages. They also said that we have a credit card with enough credit to cover the balance and need to pay now with that.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIANXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOW UNPAID BALANCE ( SHOULD BE INCLUDED IN CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS LISTED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call with automated message that says : " if you are ____ please stay on the line and we will discuss a debt, if you are not ____, please hang up now and we will know that you are not ____. '' I called them and told them we are not the person they are looking for. I asked them how could I respond to an automated message when it was left on my message machine. XXXX said he was not aware the his company did that. The issue : if a live person was on the line, it would have taken 60 seconds to verify that _____ was not the person they were attempting to contact. But because I HAD TO CALL THEM TO STOP THE MESSAGES, that took my time to resolve their issue. I brought this up with XXXX and he hung up on me. I consider this business tactic harassment. They are " fishing '' without having to pay someone to call. Using an automated system that requires the contact to call them back is harassment. These calls continue until I call them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ross, Stuart & Dawson Inc (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Credit card protection / Debt protection

Complaint: Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Consumer Loan (Vehicle loan) with TFC Group, LLC (CA).
Issue: Taking out the loan or lease

Complaint: TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. 
I have the letter and payment schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a student loan show up from XXXX ; yes XXXX, when I was in college on a XXXX. I did n't even receive any loans at all because I was on an football scholarship. For about fifteen years I have been disputing these loans and I was finally instructed just to file a police report. Well here I am 15 days into that report and XXXX and XXXX has deleted the account from my report finally. Although Experian still shows the account on my report after be demanded to remove it in four days. This has been the worse experience ever. I am a XXXX XXXX player and here I am starring at student loans that were never applied for. And they even show them open in XX/XX/XXXX when I went to school XX/XX/XXXX!

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 10/24/2016 about Consumer Loan (Vehicle loan) with DriveTime (GA).
Issue: Problems when you are unable to pay

Complaint: This is the sixth time in 2 years i have complained about this company ever since i bought this car from them we have so far paid more then XXXX in repairs for the past 3 months we cant even get this car to pass emission and therefore cant get our tag the car has been undriveable we informed them but they still report us late on our payments they will not take the car back and have attempted to process payments we told them not to causing us extra charges they claim to cfpb that they try to work with customers but they do n't

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 02/17/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To who It may Concern I am very Disturb on how this Credit Reporting Agency CHEXSYSTEMS Conducts Business. I requested my Credit Report I received it and things i did n't understand, the things that was on there i disputed them it was Inquires and Wrong Addresses submitted by XXXX and XXXX both which are Credit Reporting Agency 's also. So Chexysystems is submitting things that never was reported to them. So I want to know the method they use to verify accounts and inquires how did they Obtain my Social Security Number and my Address and my name. how are they able to prove to me that something is Verified if you getting information from two other sources, He say she say, Conflict of Interest, and i willing to take them to Federal Court because they are clearly Violating all of page 37 Section 609 of the Fair credit reporting Act

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 10-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company not only calls my home phone number listed above, they call my cell phone number as well, often in the same day. The calls are up to XXXX times daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates , LLC ( PRA ) is a junk debt buyer claiming I owe them {$480.00} for a charged off XXXX Bank XXXX credit card. On their collection letters PRA claims to be the creditor for this account, as evidenced in the upper right side of their collection letter to me, dated XXXX XXXX, 2014. PRA has never extended credit to me. 

On XXXX XXXX, 2014 I requested proof of validity of the original debt, itemization of the account establishing an accurate accounting and proof they had a legal right to collect the debt. I received a letter from PRA, dated XXXX XXXX, 2014, again stating they purchased the account, the balance was {$480.00} and that the seller, XXXX, provided them an electronic file of their business records concerning this account. PRA neglected to provide me with any copies of said file or proof of any of the items I asked for. I also disputed this account with the credit reporting agencies, PRA updated the account as accurate. 

On XXXX XXXX, 2014 I sent PRA a Notice Of Arbitration Election via XXXX as described in the XXXX Cardholder Agreement, a legally binding contract, that was in force at the time this account was opened. The Agreement states this is my right, that XXXX or anyone they transfer or sell the account to is REQUIRED to participate. I felt at this point it was the only way to settle our differences. They refused to respond. 

After reading The Consent Order between you, CFPB, and PRA I realized there was a discrepancy between XXXX charge off amount and the amount PRA claims I owe them. The charge off amount that XXXX reported on my personal credit reports is {$230.00}, {$240.00} less then PRA is trying to collect. XXXX has stated they do not provide any warranty as to the validity or accuracy to the accounts contained in electronic files that they sell. 

Portfolio Recovery Associates , LLC is violating the terms of the Consent Order, the FDCPA and Minnesota law. They have complete and total disregard for the law and the consumer. 

PRA can no longer collect this debt in court, in accordance with Minnesota Statutes Of Limitation. However PRA 's entry on my credit reports is n't scheduled to be removed until next year, unnecessarily causing me financial harm. I do not believe they have a legal right to collect this debt. 

There are XXXX other accounts PRA is trying to collect from me with the same circumstances. I will file separate complaints for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made repeated phone calls to Huntington, to set up a payment plan and to find out the amounts owed on the debt. In XX/XX/XXXXmy balance on my credit report said {$890.00}, I was told I had to pay an initial {$200.00} in order to set up a payment plan to which I would pay at least {$50.00} each month by the XXXX of every month. I have since paid at least {$50.00} if not more a month. I have pulled my credit report and watched the dollar amount I owe decrease every time. I called 2 months to attempt to settle the debt because according to the credit reports I pulled it was under {$200.00} left on the credit. The gentleman I spoke to then was argumentative, could not explain how or why the credit report was reporting a lesser amount then what Huntington is saying I owe. I asked for a copy of my proof of payment they have and he agreed to send it, but I never received it. In attempt to make my final payment and get the negative debt off of my credit report completely I sent a pay to delete letter to Huntington on XX/XX/XXXX stating that I would pay the balance of {$32.00} to erase the debt. On my credit reports that is what the balance shows. I received a letter stating my balance is {$700.00}. I have explained that no letters have been sent stating a balance other than the letter that was just sent XX/XX/XXXX. Since they have continuously reported to the credit bureaus every single month if it was some sort of mistake it should have been caught a long time ago. It is a drastic amount from the {$32.00} balance this month that they have reported the balance to the credit bureau versus the {$700.00} they are now stating that I owe. I spoke to 2 people onXX/XX/XXXX from Huntington, 1 could not give me any answer and to why it is 2 balances and Huntington has incorrectly reported, I asked for a manager she told me it could possibly be because they do not report to the credit bureau every month. When I stated according the reports I have pulled, it updates every month she placed me on hold. After waiting several minutes she came back and informed me that yes they do report every month but still could not give an explanation for why this balance is coming up incorrectly every month. I refuse to pay an amount other than what is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with PNC Bank N.A. (IL).
Issue: Billing statement

Complaint: Call from PNC Bank Credit Cards demanding immediate payment of bill already paid. I refused and stated payment on XXXX XXXX, 2015. 
About XXXX XXXX a billing statement arrived with the same error and interest charges. I called to correct the error. The PNC person insisted I had not paid and should pay immediately. I refused to pay the same bill again and expressed my disgust with PNC. Afterward I realized the paid bill was not included in " Posted Transactions '' on my Personal Banking website. I wrote PNC and asked for the omission to be corrected. I have not heard back. 
On XXXX XXXX I tried to pay for dinner with my son and his wife but my card was refused. Very embarassing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TX).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MD).
Issue: Settlement process and costs

Complaint: I have a loan with BB & T for a piece of property we bought in North Carolina. We 've had the loan for a number of years and were in the process of doing a loan modification with BB & T since the loan was coming to term. During that modification period, I was told that I would not have to make a mortgage payment because the interest would be pulled into my settlement costs. Shortly thereafter, I started receiving foreclosure letters from an attorney on behalf of BB & T saying the loan was delinquent and my account stated being assessed for a lot of different foreclosure fees. When I brought this to the attention of XXXX XXXX, Vice President for the XXXX Branch who was conducting my modification, she told me that those would be removed and it was just that the mortgage department and foreclosure departments were miscommunicating. This went on for some time and BB & T continued to add fees to my loan. I was told all along that these would be removed, but XXXX XXXX continued to give me excuses about why they were n't being removed. All in all, my account has been assessed with at least {$1400.00} in foreclosure fees because BB & T 's XXXX departments were not communicating that this loan was in a modification. Looking for help to get this corrected and have the erroneous fees removed, since I have been completely ignored in my direct requests to remedy the situation.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of 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 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yes. I sent certified letters that got no response nor action taking by the company

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 03/29/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (UT).
Issue: Managing the loan or lease

Complaint: Reference Toyota Financial : Loan number XXXX question is, I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest, and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest, I would have to send them via mail to a XXXX, IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains, is the way they are doing there books correct or is it incorrect in terms of applying payment and interest, and letting the extra money set in there acct until eventually there will be enough accumulated to pay off the car ahead of time? Please advise and if you have any questions and do n't understand please email me at XXXXXXXXXXXX or call me and leave a message. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Vehicle loan) with FIRSTBANK PUERTO RICO (PR).
Issue: Taking out the loan or lease

Complaint: I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief