milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.

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 04/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automobile Acceptance Corporation (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 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: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SYNCBBP XXXX XXXX XXXX XXXX XXXX MCYDSNB XXXX SYNCB/AMAZ XXXX SYNCB/LOWE XXXX SYNCB/STSH XXXX SYNCBBP XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, 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 09-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been working to repair my credit of which I have been having success. I had a Tax Lien ( with the tax Lien on my credit report, my credit status was XXXX ). I decided to go ahead and pay off this Lien because I was now in a better financial situation to do so. I was so happy the day I got the release letter from the tax board until I looked at the credit I was trying so hard to repair. My score fell to XXXX and remains there. I have asked the credit bureau to remove it since it has been satisfied, of course they would n't. 
I had better credit with the lien on my record, than now that I have paid it off. The tax board says they have nothing to do with this. Why are people being punished for trying to do the right thing. 
I would appreciate if you can help me in having this removed from my credit, I was in the process of purchasing a house and it was being quite successful until I paid off this bill and my score plummeted to XXXX. 
Please help me get this removed. I have enclosed my Tax release.

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 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this I a account from XX/XX/XXXX I got hurt at work XX/XX/XXXX I am permant XXXX had XXXX insurance on it that should have paid it in XXXX it keeps going from XXXX place to another now the lasts XXXX is changing dates saying open XX/XX/XXXX that is false it was opened in XX/XX/XXXX they keep trying to make it new, it is 8+ years ago I am so tiered of getting XXXX I bought insurance never thinking I would use it and then got hurt at work and should have been done long ago!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (MD).
Issue: Other service problem

Complaint: In XXXX I paid XXXX XXXX a {$500.00} deposit for a XXXX Back-up Battery for my home. On XXXX XXXX, XXXX I paid an additional {$3000.00} as deposit prior to installation. All were processed though Pay Pall but as a guest. I do not want Pay Pal, I do not need Pay Pal and my friends & children have had problems with payments processed through Pay Pal. I just want to pay my bill directly to XXXX! This past Friday ( after the installation was complete ) I tried to pay my final bill of {$4000.00} in the same manner as before and I received : " Things do n't appear to be working at the moment. Please try again later. '' On Monday, I called XXXX & was told all was in order & that they had approved the payment but the problem was with Pay Pal. After dialing through the phone tree, " XXXX '' told me : " that this was deemed a " risky transaction '' by their computer. '' I asked for a supervisor and was told : " There is no appeal! The computer ruling is not changeable! '' I was told that I must join Pay Pal and that I must process the payment as a member. THIS APPEARS TO BE SOME SORT OF RESTRAINT OF TRADE OR FORCED PAYMENT JUST SO THEY CAN COLLECT THEIR COMMISSIONS ON CREDIT CARD PROCESSING. IS N'T THIS ILLEGAL?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: You have failed to respond to a certified letter date XX/XX/2016. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. 
Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I contacted  XXXX   XXXX   XXXX .  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in BK. I explained by BK was released in   XXXX   XXXX     and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.   XXXX   Called and still no updated per  XXXX .   XXXX    XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a manager and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the manager was a lunch and sent me to voicemail. I did not get a return call.  X/27  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since   XXXX   and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager  has not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  3.75.  I have kids and would like to get my mortgage down. I 've been overpaying for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: property sold and current owner did n't but has now paid taxes but it was applied on my credit report as a ta lien by XXXX county

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Bank of America would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Bank of America and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?

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 04/21/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Back in  XXXX   2016 m y monthly mortgage pa yment with Ocwen Loan Servicing wa s raised to a level that I could no longer affor d ( fr om {$3400.00} to {$3600.00} per month. ) I spoke with the bank about alternatives and they said that I needed to file for a loan modification. However, to even be considered to needed to late on my payments. So I stopped paying for 5 months, and applied for a loan modification. My loan modification was accepted and the monthly payment went from {$3600.00} up to {$4100.00}. I filed an appeal which was denied. This clearly is a payment I can not afford. Loan modifications should be reducing the payment not increasing it!

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 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had been laid off from my job back in XXXX of 2015. 
I always paid my credit cards on time. However due to the lack of income I would wait until the last possible day I could before " being late '' to make each payment. None of my cards were ever paid 30 days or later. The creditors have refused to have this information removed. 
Here is the creditor info along with the months showing late -Justice ( XXXX, XXXX, XXXX, XXXX ) XXXX -XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) -XXXX ( XXXX ) -XXXX ( XXXX, XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX ) -XXXX ( XXXX ) XXXX -XXXX ( XXXX, XXXX, XXXX, XXXX ) -XXXX ( XXXX XXXX XXXX -Mid XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX ) -XXXX ( XXXX, XXXX, XXXX ) You should not be marked with a 30 day late by paying after the due date. You are ONLY 30 days late WHEN you are paying after 30 days.

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 05-11-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: During my vacation to XXXX, I won a raffle for a free cruise to the XXXX on XX/XX/XXXX. I had to put a {$40.00} refundable deposit down and to redeem it I had to sit at a 2 hour presentation along with the voucher for the cruise. I was scheduled to attend the presentation XX/XX/XXXX at XXXX at the XXXX XXXX XXXX, in XXXX XXXX, Florida. I soon figured out that they were trying to sell timeshare, and just wanted my refundable deposit for attending the meeting. They asked for my information including my social for what was supposed to be registering for the cruise. I now have emails saying I was approved for a XXXX XXXX XXXX XXXX XXXX account and that I also have a XXXX account. I did not authorize anyone to run my credit or social. They did not provide any literature or receipts for the information provided.

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 09/18/2015 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Other

Complaint: received an email stating I owed XXXX on credit card, This is incorrect. Called credit card Paypal MC and they continued to tell me I owed XXXX. I spoke to a supervisor who said I had only made XXXX payments since XXXX 2015 which is incorrect. When I asked why they hadnt contacted me he said they called XXXX times. I did not receive any messages from them on my cell. Supervisor said " I should have recognized the number ''. I asked why should I recognize the number. Everyone receives spam calls on cell phones. I respond, at XXXX suggestion, only to calls that are known to me. After an hour of talking we still were no where about this problem. Finally I asked if had been reported to credit bureau, he said yes. I said I was told by a rep last week it was only after 60 days I would be reported. After XXXX minutes of trying to discuss this, he finally agreed I was correct. He was very hard to deal with and we got no where regarding the XXXX payment due. I told him many times it was incorrect. After XXXX hr of this difficult conversation and with no resolution, I had to get off phone to go to work. Paypal Master Card is operated by Synchrony Bank. They have been extremely difficult to deal with since opening the acct XXXX 2015. They incorrectly contacted the credit bureau with a derogatory statement, which after many calls from me then, they finally agreed to correct. If I had not called and insisted, they would not have done it. They also removed XXXX late fees charged for their mistakes. Now they are doing it again. The bank is very questionable in their dealings with me. They are trying to charge me more money than they should and at the same time demanding I 'know '' their phone number when they call sporadically any hour of the day and leave no message. This company is harassing me in regards to this credit card. I have made no late payments anywhere on any acct for the last 15 yrs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from Commonwealth stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation