milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enova International, Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF

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 09-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Delinquent account

Complaint: I made a payment of XXXX to my Kohl 's charge and I was still reported late. I have hard some hard time financially. I have experienced a house fire and ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a HAMP Loan Modification from American Servicing Company on XXXX XXXX, XXXX in the amount of {$2200.00} monthly payments. I complied with the trial period payments and made my payments on a timely basis ( see attached Exhibit dated XXXX XXXX, XXXX ). 
In XXXX XXXX, XXXX I was sent a list of Judgements/liens that were found on the title. I immediately started working on having them removed. I notified American Servicing Company throughout the process of getting them removed and continued to make my trial payments. I spoke with the title department of American Servicing Company on several occasions regarding each lien that was removed. On XXXX XXXX, XXXX I received a letter stating that I had been removed from the modification review because of the title issues. I appealed the decision ( see attached Exhibit dated XXXX XXXX, XXXX ) providing proof that the liens had been satisfied. Even after this appeal, American Servicing Company still removed me from the HAMP Modification Program. 
I spent numerous hours and phone calls going over this issue with American Servicing Company. They advised me to submit a new application.When I submitted my application again on XXXX XXXX, XXXX, I was told that American Servicing Company on XXXX XXXX, XXXX had developed a new policy that if a property had been in foreclosure for more than 3 years they could no longer be considered for a modification. I advised that my paperwork had been faxed in the month of XXXX and I was told that unless an intake interview had been taken before XXXX XXXX, XXXX, I still would not qualify. I have not received any communication from American Servicing Company informing me of this new policy that they have adapted. 
I do not think this new policy that American Servicing has adopted is outlined in the Hamp Guidelines and so I am appealing to the Consumer Financial Bureau to investigate this lender and my case because the lack of communication between their title department and their modification department played a big part in the reason why they did not know that the liens had been satisfied and I should have been granted the final modification.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Rcently, I had an account from XXXX XXXX XXXX  removed from my credit report, after multiple disputes, due to fraudulence and XXXX XXXX XXXX ' failure to VALIDATE the debt by providing a signed contract. On XX/XX/2017, XXXX  XXXX XXXX placed a collections account back on my credit report for the second time, failing yet again to VALIDATE the debt by providing a signed contract. Despite already being founded as a non-validated debt and being previously removed from my credit report, XXXX XXXX XXXX continues to send me invoices via mail and contact me by phone. This is a direct violation of the Fair Credit Reporting Act. I have disputed this with Transunion several times, only to receive no correspondence.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: XXXX XXXX/XXXX is not in compliance. According to the FCRA XXXX XXXX/XXXX XXXX is in violation of the FCRA. In XXXX of 2017 when I received my annual credit reports I noticed XXXX XXXX/XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of 2017, XXXX of 2017 and XXXX XXXX, 2017 after disputing and receiving an update credit report from XXXX and Equifax the dispute was not corrected. What I did notice was that XXXX XXXX/XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX and XXXX XXXX is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of 2017. My current XXXX Report Number XXXX is dated XXXX XXXX, 2017. Yes, I have utilized my credit card with XXXX XXXX/XXXX in XXXX, in XXXX, in XXXX  and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my Equifax credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX/XXXX has not reported correct data since XXXX XXXX, 2017. As of XXXX 2017 XXXX XXXX/XXXX is reporting on my Equifax Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX/XXXX XXXX in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX/XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX  ID Number XXXX, stated to me she could not answer why XXXX/XXXX XXXX was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX/XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My VA mortgage with USAA was paid in full through refinancing with XXXX XXXX on XXXX/XXXX/16. There was an escrow account in the amount of {$3300.00} to be refunded and mail to me at the address they had on file. To this date XXXX/XXXX/16 I still have not received the escrow refund. I feel this is an abusive amount of time specially in the digital age we live in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with Merchants' Credit Guide Company (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was last seen at this XXXX 's office in XX/XX/XXXX. I paid the receptionist for the first time with cash rather than a check. My appointment was covered, the fee I paid was {$50.00} for missing an appointment, even though I had called ahead as required. Not wanting to take time to dispute the accusation, I paid and was not given a receipt. 

On XX/XX/XXXX, I received a late fee charge from XXXX XXXX 's office claiming I had not paid that final fee. I sent a letter back, after several unsuccessful attempts to call the office. I explained that I had paid in cash and given the full amount. I received no further communication and believed the matter resolved until collections opened an account on XX/XX/XXXX. 

This matter has been very frustrating to deal with. The lack of availability to speak to anyone in the office is making the process much harder. Because of this fee I am accused of not paying, the doctor has refused to release my health records, which the XXXX XXXX XXXX has requested numerous times from the office. Without those records, I am unable to receive confirmation of a diagnosis I was given in the military and it is stalling any assistance from the VA. 

Thank you for reviewing this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with LDF Holdings, LLC (NH).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a payday loan with XXXX ( as it was advertised ) for {$1200.00} back on XX/XX/17 as I was in financial distress. This was done via phone and online. I spoke with a gentleman to complete the process via phone. I was not told of my APR on the phone when applying for this loan, I wish I understood it further as previously I had no issues when borrowing from them before. I have so far paid 14 payments back to date totaling {$4600.00}, I have a total of 20 payments. Upon reviewing this further, I found that this company may not be licensed in the state of New Hampshire to provide loans, if it so is, it's not in compliance with state laws on the max APR and amount allowed to borrow - state of NH states {$500.00} max for the loan amount and no more than 36 % annual interest. My interest rate is 720 %!!! Things like this need to be stopped. They have well enough got their loan amount back and then some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a credit card from Bank of America in large part because of a promotional offer of  XXXX  points after spending {$3000.00} in the first 90 days. My first statement from the card indicated a starting date of  XXXX   XXXX . On  XXXX   XXXX  ( i.e. 87 days late r ), I  called Bank of America regarding a missing transaction that would have put me well over the {$3000.00} limit. I was informed that BoA had started their 90 day calculation weeks before I had even received the card, and the starting date listed on my first statement was essentially meaningless.   Customer service agents were unwilling to offer any kind of compromise and said that I would be unable to receive the  XXXX  bonus points ( worth up to {$1000.00}! ) regardless of my spending. At no point during my relationship with BoA was I informed of a starting date for the 90 day peri od ( o ther than the beginning of my first statement, which led me to believe the starting date was  XXXX   XXXX , as described above ).

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 01/17/2017 about Payday loan () with AmeriCash Holding LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: The loan i have was for {$600.00} and I recently defaulted on my loan. The finance charge that I received was for {$500.00} and the ending amount that they said I would end up paying is {$1100.00}. I have already paid them {$390.00} and the letter that they sent me states I have an owing balance of {$460.00}. They sent my job a wage garnishment letter stating that I owe {$920.00} which my job signed and I am now being garnished. When I called today that amount has increased to {$990.00}. They have already received {$100.00} from me already through my wage garnishement so I do n't understand how I owe them this much when I have already paid half of this loan down. They are still charging me fees and interest after they claim that took me to court to get the amount of this {$920.00} that they say I owe but I know that amount is way too high.

Company response to consumer: Closed
Consumer complaint received 05/26/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Bank of America automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Bank of America wants to use depositor 's money to comply with " safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of " XXXX XXXX, 2015. " How is it that the corporate name ( Bank of America ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: Although I am aware that they are not a bank, Paypal has frozen my account and are saying that they are holding my funds for 180 days do to a high risk of fraud. I have filed complaints with the XXXX and the XXXX for a civil liberties violation as well. Paypal should not be allowed to play with people 's money this way. All of my customers are completely happy and I have had zero complaints. They are claiming to hold my money because they need to protect themselves from chargebacks or disputes but again, I have documentation that all of my customers are completely happy with their purchases. Paypal may not be a bank but they operate as XXXX yet use the " we are not a bank '' excuse to hold practices that are not only unfair but may also be illegal. Paypal needs to be investigated for its lies and deception to its consumers. They are holding over {$1600.00} in this account that is money I earned and should be able to withdraw. Unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I had a credit card through Credit One that I asked them to close my account since I lost my source of income, and freeze the interest so it would not increase the amount I owe, I called them numerous times and wrote several letters but They refused to close my credit card account and racked my balance to almost double my credit limit. Then they immediately sent it to Midland Credit Management credit collections company. Now Midland is harassing me and threatening to take me to court. I tried to tell them nicely that I had an open dispute with XXXX bank since they refused to close my account when I asked.They will not accept my dispute claim and continue to XXXX me for almost a thousand dollars. I told them I do NOT owe near that amount, but they refuse to accept my claims.

Company response to consumer: Closed with explanation