milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.

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 02-02-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: My wife and I were involved in a XXXX accident on XXXX XXXX, XXXX in which our leased vehicle, a XXXX XXXX XXXX was a total loss. We contacted XXXX Insurance on XXXX XXXX, XXXX after spending approximately 8 hours in the Regional Medical Center, XXXX XXXX XXXX XXXX, XXXXXXXX Phone # XXXX where my wife was treated in their Emergency Dept and released. Since that date, XXXX XXXX, XXXX, we have been in constant contact with the named insurance company and more importantly, ALLY who financed the transaction with XXXX XXXX of XXXX XXXXXXXX 
I was in contact with the insurer through a XXXX XXXX, Adjuster with XXXX Insurance in their offices at XXXX XXXX XXXX, XXXX, XXXX XXXX, Phone # XXXX, Extension XXXX under claim # XXXX on numerous occasions up to this date, XXXX XXXX, XXXX. My complaint is this : ALLY has continually contacted me by phone as early as XXXX on Sunday Mornings and later in the same day dunning me for payment. XXXX XXXX with XXXX Insurance has stated to me, and verified the payment by ALLY on numerous phone calls they have received payment in the amount of {$22000.00} a figure that XXXX Insurance deemed the total loss value of the vehicle along with a payment I made of $ XXXX " after the accident in question '' to insure my credit rating. ALLY continues to harass me with telephone calls at least 3 times weekly where their Total Loss Department of the same company, ALLY, tells me not to send any more money -- let me interject here for a second -- I just received another phone call from ALLY while I am writing this complaint from someone named, XXXX. This is beyond comprehension. I do n't know what else to add to this complaint, I am at wits end.

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 11/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with RIA FINANCIAL (PA).
Issue: Fraud or scam

Complaint: I tried to find someone to take over my apartment. First time he tried to contact him using his friend. She said he wanted to hear detail about my place. So I emailed to him to explain. Then, he told me he was XXXX XXXX, so he can not see in person. He wanted to see pictures. So I sent him. Then he said he liked it he wanted to reserve my place. He sent a check and he wanted me to know full address, full name and number. Then I got his check. He told me he sent much more money than rent fee. So he wanted me to get rest of money using XXXX so I sent him the money. Then he took the money I sent and stop the check he sent to me. So I contacted the department to get the help. They said he already took the money, so there isnt anything they can help me with this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I applied as a renter for a home and noticed on my credit report that I had one account in collections. My report states I had a debt of {$300.00} opened onXX/XX/XXXXto Franklin Col and the account was closed on XX/XX/XXXX. Remarks state paid collection, original creditor : 10 XXXX XXXX

During that time, my husband and I were XXXX in XXXX XXXX with the United States XXXX I did not receive any information from XXXX XXXX XXXX or Franklin Col about having an overdue account. I moved to XXXX XX/XX/XXXX and had paid all of my accounts prior to our move.

When we moved back to the United States XX/XX/XXXX, I reopened a new XXXX XXXX XXXX account and had no issues for flags stating I had an overdue account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Payday loan () with EXPERT GLOBAL SOLUTIONS, INC. (OR).
Issue: Can't contact lender

Complaint: I keep getting calls at all hours, XXXX etc. XXXX. and I finally after XXXX calls got the heavy accented person to tell me the company calling me and my friends, relatives, is NCO from XXXX, florida. I told him I had turned him into the oregon state attorney generals office and the CFPB also, and he told me the case is closed, and now I will be served papers and sued from them and a company called XXXX XXXX XXXX whoever that is. He said it was a payday loan company, but I never took a loan with them. I asked why I hadnt recieved a bill and he couldnt answer that. The first call they wanted money over the phone, this call once I told him what I did, he said I would be served papers. On the internet there are lots of complaints about these people. They need to be stopped. I want to sue them if you will take my case. Please help me to make the phone calls stop. I have also filed a complaint with the state attorney generals office. Please feel free to contact me at XXXX during the day. I am XXXX and cant take much more of this harrassment. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear CFPB Good day. 
City of XXXX fire department send me a bill for emergency ambulance service on the date of XXXX which i paid on XX/XX/XXXX .After almost about a year later on XXXX XXXX XXXX a XXXX based collection company named Harris and Harris send me Delinquency notification ( XXXX XXXX ) for the above mentioned debt.I spoke with them ( XXXX XXXX XXXX ID XXXX ) that I paid in full almost a year ago and fax them the bank statement ( to XXXX ) XXXX But despite all this Harris and Harris send my account information to XXXX due to unpaid balance which drop my credit score tremendously.Then i called the XXXX of XXXX XXXX fire department they added XXXX as paid amount though i paid XXXX which is the original bill and they showed XXXX as unpaid and the collection agency without informing me send this information to XXXX.this is a harassment from harris and harris and they have a motive to get extra money i believe.I have the documentation of correspondence. I will be more than happy to send you that if you need for investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: Barclays B ank made an error in paying  XXXX   XXXX . They paid it twice.  XXXX   XXXX  receiv ed two  times what they were supposed to be paid.   I wan t Barclay ' s Bank to take back the {$3600. 00} ( ex cess money ) from  XXXX   XXXX  and return it to my account.    XXXX   XXXX  is willing to return the money but  Barclay 's Ba nk is blocking the transactio n. Insteal,    XXXX   XXXX  has sent me a check for the amount of {$3600.00 } ( amoun t owed. ) I do not want  XXXX   XXXX  to make a reimbursement by sending a check directly to me.   A check from  XXXX   XXXX  deposited into the bank creates the appearance of extra income.  <P/> I want t the excess mo ney ( {$3600.00} ) wired directly to Barclays Ban k, the same way that it was originally sent to  XXXX   XXXX .   Whenever I called they assure me that my case we nt to the executive  office and my problem is fixed. That it will take time to update it. But it has not been updated. I still owe more tha n the 6,000.00 (  special checks w ith the 0 per  cent interest until next year in  XXXX    XXXX   ). my loan amount limit from  Barclay is  {$6000.00}. Presently since yesterday  XXXX  I owe the ba  nk Barclay close to {$10000.00}.
<P/>  We have spoke  in a three way telephone conversation and they told me that it is not possible to fix the amount in question and it was not going to be returned to Barclays Credit Company. Barclay does not allow that payment back.

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 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't know where this is coming from. I just got {$550.00} delinquent payment on my credit history.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Problems caused by my funds being low

Complaint: I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with XXXX XXXX and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to XXXX XXXX. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to XXXX XXXX. No action has been taken by XXXX XXXX to resolve the issue. XXXX XXXX has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by XXXX XXXX on XXXX XXXX, XXXX, the second was sent out and received XXXX XXXX, XXXX. XXXX XXXX has provided me with account statements from the original creditor, XXXX XXXX  stating that the accounts are mine however no such document bares my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I applied for an equity loan on several of my investment properties through Fifth Third Bank in XXXX, Ohio on two occasions. The bank officials misrepresented the equity loan eligibility ; knowingly adversely affecting my credit score ; practicing discrimination in applying the criteria for an equity loan. On or about XX/XX/2016, I applied for equity loan on XXXX properties. I was told my rental income was applicable in establishing additional income. I was subsequently denied because of my credit score was lower than a needed XXXX and my debt to income ratio was to high. Five month later, on or about XX/XX/2016, I applied, this time with far less debt and a higher credit score. I was denied again based on my debt to income ratio as being to high but this time they refused to consider my verifiable rental income. 
Clearly, the Fifth Third officials were simply playing with my time and adversely affecting my credit score to merely meeting certain application quotes and/or they are willfully discriminating against me when considering other equity loan applications, they are approving but denying me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Managing the loan or lease

Complaint: I purchased my leased vehicle from Honda Financial Services ( American Honda Finance Corporation, as Servicer for XXXX XXXX XXXX ) in early XXXX 2016. It is now XXXX 2016 and I still do not have the title for the vehicle after repeated phone calls to HFS requesting my title. The registration on my vehicle expired XXXX XXXX ; my plates expired XXXX XXXX am now driving on expired plates but have no choice as I need the vehicle to do my day-to-day chores, get to work, and get my kids to their activities. XXXX continues to give me the run around when I call asking for information on my title or assistance in getting what I need for the XXXX to replace my title and allow me to renew my registration and licence plates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian keep ignoring the information and proof sent by me. Specifically, in reference to a negative report of 90 days past due. I submitted documentation proving that there never was any late payments to the Department of Education. That the account was paid in full. That the account in question was paid on XXXX XXXX, 2015. Therefore, to report this account 90 days late in XXXX, 2015 is inaccurate. I have sent documentation affirming these facts. Their answer have never addressed specifically this issue. I requested as per U.S.C. [ 15 1681i ] The re-investigation procedure. The Department of Education has provided the information affirming my claim that the account was paid in full on XXXX XXXX, 2015. Experian has failed to contradict or provide what documentation justify not removing the negative report of 90 days past due. As consequence my Credit Score has dropped from XXXX to XXXX. With grave financial loss, since all of my insurances cost have increase. Has delayed the purchase of an automobile and the inability to secure low interest loans. Thank you for your consideration on 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 explanation
Consumer complaint received 07/31/2017 about Student loan (Private student loan) with SLM CORPORATION (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On   XXXX   XXXX  , 2017, I contacted Sallie Mae using their phone number (  XXXX  ). I asked to be transferred to their Collection Department. I was hoping to speak with their collection department in the hopes of lowering my current monthly payment ( {$2100.00} ), which is beyond my means. I was hoping to hear options regarding how to lower, how much may be lowered, or any option available. Unfortunately I was told that the collections department could not help me until my account was delinquent. I do not understand why my account has to be delinquent in order to be provided payment lowering options. I do not wish to have my credit score, or the credit score of my cosigner impacted by letting my account go delinquent just so I can hear options to lower my payment. In short, I would like to hear options in lowering my payment, but Sallie Mae WILL NOT work with me until my account is delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Medical) with Capital Accounts, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Southwest Credit Systems, L.P. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief