milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NJ).
Issue: Problems when you are unable to pay

Complaint: I have an installment loan with Avant Credit. I have been unable to make my loan payments which are schedule to be automatically withdrawn from my account during the first week of the month. My problem is that Avant has made multiple attempts each month to withdrawl the loan payment which causes a Non sufficient funds funds fee with every attempt. The frequency of their attempts is increasing. This is turning a bad situation into a crippling event with each CHARGE from the withdrawal attempt. I did authorize Avant to withdrawal my loan payment once a month. However, I am unable to make the payment. Does this give them the right to make a withdrawal from my account anytime they feel like it. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Credit card) with AllianceOne Recievables Management (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with XXXX XXXX, and Experian and Im only getting a reply that the information was updated.

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 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

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 12/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: J.P.Morgan Chase Bank , N.A . Is denying me access to my mothers bank account even though I have been granted an ORDER AND JUDGMENT APPOINTING GUARDIAN, by the State of New York Supreme Court, XXXX County. In the list of powers, item ( XXXX ) XXXX, allows me to access my mothers account to pay her bills. J.P.Morgan Chase Bank , N.A . Is in violation of the court decree.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On X/X/2017, I checked the XXXX leaked-information website and found that my data had been released. 

I immediately froze my credit on all three major credit bureaus, as well as XXXX and 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 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A representative from IQ Data International formally known as Rent Collect Global by the name of XXXX called me regarding a debt, she immediately let me know that there was a judgement against me and that they were going to start garnishing my paycheck. I contacted my local court here in XXXX County Washington and they do not have a any public records file against me. I called XXXX back to let her know of my findings, she immediately turned aggressive, she said she would not provide me with any documentation regarding the judgement or my debt, I wanted to make payment arrangements and she did not allow me to. She talked over me during the whole phone call, I could barely get a word out, she kept threatening me and said " you will see how good we will get you when your check gets garnished ''. She threatened to take legal action, she falsified taking legal action and she mistreated me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 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: Their investigation did not fix an error on your report

Complaint: I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with VALLEY NATIONAL BANCORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent a couple certified letters requesting my loan documentation and ( VNB ) valley national bank refused to send them. I specifically want a copy of my signed contract and any legal notices they claim to have sent. 
I am demanding a copy of your signed contract and full payment history, because I believe i may have  been a victim of some unethical loan practices. The resulting credit errors are causing me financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (PA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: On XX/XX/XXXX - Ford Credit sent their 3rd party company XXXX XXXX XXXX to inspect my XXXX XXXX because my lease was ending XX/XX/XXXX. I got a official report from XXXX XXXX XXXX saying my balance is {$1200.00}. XXXX XXXX also sent me a bill a week later stating that said I owed {$1200.00}. On XX/XX/XXXX, I went to the Ford dealership to return my leased vehicle and found out, my balance was {$110.00} more than both of my statements, I have received from Ford Credit and XXXX XXXX XXXX. There was nowhere on both statements that state and/or local tax is due for " Excess Charges ''. I have called Ford Credit a few times since XX/XX/XXXX to resolve the situation and the customer service representatives have been unprofessional everytime without addressing my situation or allowing me talk. I want to pay my final bill but would like someone to explain why I was n't informed about this tax. I enjoyed my leased vehicle, but with the unexplained " tax '' and unprofessional customer service representatives, I will never do business with Ford! Buyer Beware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: the credit bureau reinserted XXXX back into my file after deleting it one week prior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The week of XX/XX/XXXX I sent Equifax a letter to verify collections and inquires on my account. For the collection accounts I never received verification or validation but on my credit report for XXXX XXXX  which is reporting 4 times for the same debt for & XXXX, XXXX XXXX for {$29.00}, XXXX XXXX XXXX ( 8 times ), XXXX XXXX, and XXXX. As for the inquires I have n't recieve any validation or verification that I requested for XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX in XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with PMAB,LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It is a robot calling. A female voice speaking says, this is an attempt to collect on a business matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with AFNI INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent debt validation to company in regards to alleged debt owed on XXXX, no response or proof of contract/proof of debt owed returned. Credit report showing balance of {$1500.00} that is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Closing/Cancelling account

Complaint: In XXXX I was approved for my first credit card with USAA. Shortly after, I was laid off from my position as a XXXX. I could n't find another job, so I could n't pay my rent. My fianc and I moved in with my parents. USAA sent my debt to a collection agency. In XXXX XXXX I moved to XXXX with help from the XXXX. I was technically a homeless veteran, so they paid the deposit to get my fianc and I in an apartment. I found a job with a temp company and applied for XXXX benefits through the Veterans Affairs. I was advised to do by the XXXX. On XXXX/XXXX/XXXX, I was rated XXXX by the VA. On XXXX/XXXX/XXXX I paid the collection agency holding my debt with USAA {$1700.00} with my new military XXXX income. That {$1700.00} is the " Settlement Amount ''. Thats what I agreed to and there was never any mention of any remaining balance. Since I made the settlement payment I have n't received any correspondence at all, or notice of any remaining balance. This account does n't even exist according to my USAA profile. In fact, USAA required me to pay the debt collection agency before I could obtain my car insurance back with them. The fact that I have car insurance with USAA now is proof that I have satisfied this debt with USAA. I recently found out about this while they were helping me with an unrelated matter. Two times I tried calling them for information and both times the department that I need to speak to is conveniently unreachable after waiting on hold for an hour. On XXXX/XXXX/XXXX I found out this account has been reported to all XXXX credit bureaus for the past year or so, and I never even knew it existed. If I did, I would 've paid it. I 've been wondering why my credit score refuses to go up. My fianc and I have been going without to pay our debts with the sole intention of increasing our credit scores. We want to buy a home and start our family. I do n't believe I owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Clarity Services (CA).
Issue: Excessive fees

Complaint: Hi my name is XXXX XXXX XXXX, # I Got my CLARITY Services Inc, Credit Report for Year Back # there was So much = fraud & Theft, breach Contracts, for a lot of Accounts, I have Loss Financialy at the bottom I will show Amounts and Send Bank Docs by Thursday # The Clarity Services Inc, have Not Done a Good Job, theres so many almost all of report is wrong, fake bank accounts and fake phone numbers, Fake Emails, etc Names Wrong my ID SSN Wrong, this costed me $ $ Financialy Ok $ , I will Send All Paper Docs to you By Email Ok # Plus Bank Statements ok By # TRACKING # will be on Top Right Corner By #

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Other type of mortgage) with Franklin Credit Management Corporation (CA).
Issue: Struggling to pay mortgage

Complaint: Been working with franklin credit for 2 years initially started in BK but then they dismissed it though we did receive mod and I paid but they said they did not get the appropriate court papers so for the last two years we have gone back and forth going from the initial XXXX proposed load mod to XXXX plus asking for XXXX down. They have sent us documents with different balances, delayed in contacting us. We are victims of predatory lending did not know what we signed when we bought the home under false pretense. We have asked for a fair mod. They said they would agree to XXXX down with the remaining spread over a year with the regular payment. My attorney advised us before we sign on Monday we should have our loan directed and terms reviewed and it was to have been reviewed by BK court Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX / XXXX /  XXXX    CREDCO   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear language of the law.  15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

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 12-10-2015 about Debt collection (Payday loan) with Roycroft Management (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree XXXX Ditech XXXX representatives call me repeatedly if I am late making even a partial payment. In the past, representatives have harassed and threatened my alternate contacts including my elderly father. My XXXX payment was due on XXXX XXXX, 2015. Because I had made additioanl payments before, only a partial payment was due on the XXXX. A Ditech representative called me on XXXX XXXX. I spoke with her and told her I would include the past due amount with my XXXX payment. Several days later, I had a missed call from Ditech. Yesterday, a different representative called me about the XXXX payment. I told her that I had already spoken with someone about it. She said, " I see where she called you on the XXXX, but I do n't know why. You are my account. '' I politely repeated what I had told the previous caller, but I was in the car so I could not confirm the date of the payment. She asked, " Well do you mind if I call you back later to get a confirmation number? '' I said, " No, that will not be necessary. I would prefer that you designate my number do not contact. '' She became abusive then and said, among other things, that she was going to indicate on my account history that my account was two months past due. The payment was made on the XXXX, so it was actually less than 30 days past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is  attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my annual free credit reports from Equifax , XXXX and XXXX ; I received my credit report from XXXX XXXX, 2015 and sent back disputes in XXXX, 2015 never heard another word. 

I sent in XXXX request to Equifax , XXXX never heard a word or the free annual credit reports. 

I would like my free credit reposts and I would like XXXX to take my disputes seriously and reply. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received another letter in the mail today from XXXX XXXX regarding an account showing me owing XXXX to a company regarding a credit card of which I 've personally never have had, or in this case, someone opened without my consent and made one payment and then let the account go into collection in XX/XX/XXXX, and as the person mentioned on the phone when I called to dispute this claim she said it was charged off in XX/XX/XXXX and that due to the statue of limitations they can not sue for collection but will continue to report this until the matter is settled. This account is not even on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: MY WIFE WAS CONTACTED ABOUT AN XXXX XXXX XXXX DEBT IN THE AMOUNT OF XXXX. AFTER VERIFYING ADDRESS AND I HAVE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, REPRESENTATIVE XXXX FROM SUNRISE CREDIT XXXX, WENT ON TO LET HER KNOW THE CALL WAS BEING RECORDED AND INFORMED HER THAT THIS WAS AN ATTEMPT TO COLLECT A DEBT FOR XXXX XXXX XXXX. MY WIFE TOLD THEM THEY SHOULD NOT BE SPEAKING WITH HER ABOUT THIS AND ASKED WHY IS THIS BEING CHARGED AS IT IS CHARGES FOR SERVICES I DID NOT RECEIVE. I HAD OUR CELL PHONE SERVICE WITH XXXX AT THAT TIME. AFTER SHE ASKED THIS, XXXX DISCONNECTED THE CALL.

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