milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (PA).
Issue: Getting a line of credit

Complaint: On or around the XX/XX/XXXX PayPal chose to close my paypal credit account and effectively shut me out of all access to include statement and terms as well as access to timelines in relationship to 6month same as cash promotional offers. These offers timelines are important since they need to be paid at a specific time to avoid future finance charges. 
My paypal account was opened XX/XX/XXXX and has always been paid as agreed. I received numerous credit increases over the past year. PayPal took it upon themselves to shut my account with no warning. After speaking with various staff memebers I was informed it was due to a bankruptcy filed and XXXX in XX/XX/XXXX. The account was opened in XX/XX/XXXX. The bankruptcy was public information though they claim they where not aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXXbut when the mortgage lenders tried to get my credit report nothing would show up. I have called equifax, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I currently have an account on my credit report from XXXX XXXX that I did not authorize to open with a current balance of {$950.00} that has been sent to collections, the reason this account was sent to collections is because I was informed a payment was never made on this account from the day that this account was opened because I never authorized the account. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information

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 10/26/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by Medical Data Systems creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

Medical Data Systems INC, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I used to have a joint account with my former husband XXXX XXXX at Bank of America.

I divorced him because he was involved in XXXX XXXX and fraud to the IRS.

After my divorce, Bank of America has been reporting false information bout my payment records.

I must mention that it was I, who took in the responsibility to made the payments when I was married.

I tried to talk to a bank manager ( they are located inside of XXXX XXXX  ) the manager was very rude and offensive.

My records still have the wrong information that Bank of America reports.

I need to clear my records.

Thank you.

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 Debt collection (I do not know) with Evans Law Associates, P.C. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company Evans Law Associates has called me stating they are reviewing a matter and have been retained by XXXX XXXX XXXX for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.

Company response to consumer: Untimely response
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.

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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They collected {$400.00} from me while I was filing bankruptcy the representative lied to me and said I had to pay until it was fully discharged when I contacted my lawyer he told me that was against the law since all my debts were included in my bankruptcy

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
Consumer complaint received 02/24/2017 about Debt collection (I do not know) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FOCUS FIN ACCOUNT NUMBERs : XXXX XX/XX/XXXX ADDRESS : XXXX, XXXX, FL XXXX PHONE : XXXX FAX : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission FOCUS FIN acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XXXX-XXXX-2017 I noticed on my Equifax report that my available credit went from around 10-11k to XXXX. I noticed there were a whole bunch of things that were removed without my consent. I contacted two of the creditors who stated they would send the information to Equifax. I then contacted Equifax and spoke to a representative who stated they did n't remove it but the creditors requested it removed. I asked for a supervisor and also contacted one of my creditors to do a conference call so she can tell them they never requested the account removed. When the supervisor got on the phone, I informed him I had XXXX on the phone. The rep from Equifax then became very hostile and kept saying he can not do a conference call. He then proceeded to hang up. Again, this company is crooked, they do n't do disputes and they remove whatever they want and then blame it on the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.

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 WELLS FARGO & COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: M y Wells Fargo NB Retail card was closed and the reason is noted as consumer request to close.        1 ) I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me, WF did n't even argue this point. This is totally unprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit   use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.

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 01/25/2018 about Student loan (Federal student loan servicing) with Student Loan Care, LLC (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Payday loan () with Mobiloans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!

Company response to consumer: Untimely response
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Portfolio Recovery Associates is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XX/XX/XXXX when it charged off at the end of XX/XX/XXXX. I complained to XXXX XXXX  about a charge and they did n't respond and it led to a charge off. The account is also duplicated. XXXX XXXX is also reporting the account. That means there are 3 violations due to a single trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MO).
Issue: Trouble during payment process

Complaint: Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (MO).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 

2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 

3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 

4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 

5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Back in XX/XX/2018 sent a certified mail with a notarized letter asking to delete accounts containing inaccuarte information from the same source but different in each of the 3 bureaus and speciappy from Tranunion, .. The results of the investigation was update information clearly wrong in my credit report afecting my ability to access fimacial stabilization.. Aparently Transunion will not take the effort of extra iinformation sent ro them to double check the big errors in my credit report.

I ask to open their files to match with my records which they never sent me anu proof or document to match isntead I sent them a letter a copies of 3 bureaus indicating the inaccurate of the account in dispute.. Transunion is in clear violation of the FCRA by posting information inaccurate afecting 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 explanation
Consumer complaint received 04-10-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Managing the loan or lease

Complaint: Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.

Company response to consumer: Closed with explanation