milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Tormey Bewley Corporation (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The dept is my sons, same name, different ssn.different birthdate.I have successfully disputed this dept .it was removed from my credit report.then XXXX resubmitted dept to my credit report.when I contacted them by phone they stated that the way to clear this up is have my dead beat son pay his bills ... So unprofesional, and then I was told sorry they do n't know what to tell me.Then the employee at the credit collection agency, XXXX , XXXX. repeatedly hung up on me.Could not believe the lack of treatment.This is not my dept.

Company response to consumer: Closed
Consumer complaint received 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Recovery Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. 

XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It is now my third time disputing the erroneous information that you continue to report on my credit file. This is the final letter before litigation. T For the final time I am unaware of the accounts listed on my credit file. I am a victim of identity theft and I have provided documents previously to you. I was also affected by the credit breach with XXXX and XXXX. I am disputing the accounts as an affidavit and an internal dispute. The error accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I am giving you 5 days to investigate this internal dispute and I am keeping record of all letters information and etc leading to our day in court. My next step is definitely to seek litigation. Please remove all other address, Names, and Accounts and inquiries your company reports continues to report erroneously. The correct information is listed below. I will follow up with a call within 2 days to get this issue resolved permanently. Remove XXXX XXXX XXXX XXXX FL XXXX. This isnt my address which I have stated time and time again, I am unaware of that address and the accounts affiliated with it. It seems erroneous and fraudulent. I wont mention it again. Its been well over 4 months and 3 disputes later and the erroneous information remains on my report and it isnt mine. By law it must be removed immediately today. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Kirkland Asset Management LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Ive received several called over the last few months from this company. They never revealed their name, address or number. I never received any correspondence via US postal service. After asking them to stop calling my ex husband they called him again. After telling them they were supposed to give me written notice of this debt, I was sent an email that went into my junk mail that I just found. Therefore I just found out the name of the company. Ive tried on several occasions to contact at the numbers left, left voicemails with different names yet no company name on the voicemail. No return call. Today I received another voicemail stating they were coming to my job. I called back, got another voicemail no call back. They have never stated the company nor what the debt is for. Nor have they stated I have the right to dispute it. I have also not received anything in writing to show I owe this debt.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: A person in a womans voice called to confirm timeshare information for mr son XXXX who happens to be only XXXX years old and can not give consent for anything. This person called from a XXXX number in NC at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WI).
Issue: Shopping for a loan or lease

Complaint: After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.

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 06-07-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MI).
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: My daughter and I jointly signed a lease for a  XXXX   XXXX   XXXX  fro m Ally Financial.   <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab  out three calls with Ally to discuss this.
<P/>  On  XXXX / XXXX / 17  I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed.  <P/> I then received a letter from Ally dated  XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to.   <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such.  <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.

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 11/18/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: As a former employee of Citizens Bank for nine years, I am well aware of overdraft issues that consumers have as well as the lawsuits taken against the bank. I am in the midst of closing all XXXX of my accounts with the bank due to the amount of asinine fees charged. I removed all of my funds from my circle gold checking account and transferred to another bank institution. I left a remainder of a few dollars in the account until closure to avoid any overdraft fees. A check was just cashed ( three weeks later ) from my son 's doctors office which in turn made the account negative {$25.00} dollars, our fault. The same day I was charged the {$35.00} overdraft fee so immediately ( same day ) I went to the bank and deposited {$60.00} in the account to cover the issue. Today I checked again to ensure that everything cleared and I noticed three additional charges which include a {$20.00} service charge, a {$30.00} service charge and yet another {$35.00} overdraft fee which now makes my account negative {$85.00} dollars. I should not have been charged yet another {$35.00} overdraft because they continue to take out " service fees ''. My husband called to complain and close the account immediately and they stated that it could not be closed until the account is positive and additional overdraft fees will continue each day that it is negative. The employee was also not able to explain what the {$30.00} service fee was for and insisted that it was an additional overdraft fee, which it was not. I made the account positive yesterday, additional fees should never have been posted in such a manner. I have XXXX young boys that I need to feed and the bank is taking the money I need for them to pay fees that should not have occurred in the first place. I think it is absolutely unacceptable to charge fees in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 

This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Transunion has persevered with reporting the fraudulent accounts on my credit report. I have called Transunion several times, as recently as today on XX/XX/XXXX, but to no avail, as I get transferred from one department to the other and am given no explanation as to why they are violating the FCRA by failing to block the fraudulent information. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police report and the filed FTC ID theft report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XXXX XXXX, I asked XXXX XXXX XXXX of XXXX XXXX, preside on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas to represent me in a divorce case against my now ex-husband. I signed a contract with her, with her promise to do accordingly. But by XXXX, when the final decree was submitted into the court from my ex-husband, XXXX XXXX had not noticed nor notified me because she had failed to keep track of my case at all. Every time I texted or called, it took at least 3 days or a week before I got her answer, and that was because she was my client at the XXXX I worked at, so when I saw her at her appointment time, and cornered her, i got your case is fine. This had been the face of our working relationship on this whole case the whole time. In XXXX XXXX, the case was finalized without her knowledge and mine. When i pressed her, asking that i wanted my case to be done by XXXX, she said my ex-husband had never responded to her. Turned out, she had never sent anything to him per court log. I pressed and she sent in a jacked up decree which she plastered my name on the front page, and someone elses information in the back, and called it work. So she did not send me a copy like she promised, and at this point, the case was already done! In XXXX, i had another attorney looked into it and discovered this whole scam. I texted and called which she did not answer. I even asked her daughter to tell her to contact me, at which, she did not even answer. I asked Chase bank to get my money back, which I paid with check and debit cards. They said they could not because on the contract said all fees are non-refundable. So i ask you, even when i signed a contract, but if the person refused to do the work, I would still have to pay her? Chase did not have their customers interest at their heart, and did not even try, especially when I have all the proofs that she did not deserve the money. It is my hard-earned money, and my wrongly placed trust. In a million year, I would never thought a person I knew for almost 10 years would do such a thing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have received several Hard inquiries last year. I am very upset. I was VERY clear with them. they can feel free to pre-qualify me for the loan, give me their rate, and do a soft inquiry. for some reason they felt the needed to hard inquire me. Pre-qualifications for mortgages shouldn't be hard inquiries. I haven't even signed a loan agreement with them. 


XXXX XXXX XXXX/Credco Corelogic/Credco The only banks authorized them to do what they needed were XXXX  XXXX XXXX and XXXX 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 11/22/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I purchased a bed for XXXX {$1400.00} from Sleepys in XXXX XXXX. I would 've paid for the bed in full at that time. However, I was pressured into taking a 'no interest ' 12 month loan ( which was sold by Synchrony Financial ). I then setup the account for minimum monthly payments ( which I planned to change when 1 yr was up ). However, I just went into the account and noticed that on XXXX XXXX I was charged a FULL YEAR OF INTEREST ( at 30 % APR!!!! ) retroactive from the time of purchase. Nobody EVER said anything about there being a retroactive charge. In fact, I worked in finance ( at XXXX Bank ) for 8 years ( until I switched industries last year ) and have NEVER heard anything like this before ( it 's such a scam!!! ). At the ABSOLUTE LEAST, they should be required to make it EXTREMELY CLEAR ( and get verbal affirmation ) that they charge you a full years interest if not paid in full within 12 months. I 've been charged {$620.00} in interest for a {$1100.00} bed purchased about 15 months ago! I 've just gone in now and paid this in full. But, it is totally ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. 
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: My husband and I only missed XXXX payment with Snaac. And we received on XXXX XXXX that was dated on XXXX XXXX saying if we do n't pay by XXXX XXXX they will take our car. We are on a fix income. We told that we only get payed once month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation