milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is still showing on my credit reports, this is a debt that 's over 7 years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XXXX XXXX, XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance,  Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to XXXX, Equifax and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Credit line increase/decrease

Complaint: I have an Amazon, Care Credit account and Walmart ( which is paid off ) and when I opened these accounts GE was the holder and it looks like the accounts were sold to Synchrony Bank. Synchrony Bank 's horrible practices have to STOP! Each time I make a payment, the credit limit is dropped below the minimum balance due and then charged an over the limit fee of {$38.00}. I would also be charged the interest rate and before I know it my monthly payment is extremely high. I am including both Care Credit and Amazon payments. I want to be refunded each time they charged me the overlimit charge and for late fee for all three accounts. Please look at the interest rate they are charging. for Care Credit, the annual APR is 26.99 %!! This is just XXXX and it needs to stop. And please do n't take forever to investigage. This needs to be resolved NOW and if you read any of the blogs about this company, a ton of people are complaining about their practices so please do something about them!!! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Billing disputes

Complaint: Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This case has been going on for over ten years and little by little Weltman, Weinburg, & Reis co. L.P.A. have been extorting money from my accounts in small increments. They are so sneaky that when I reviewed my credit reports, this debt never even showed as a viable debt to the credit reporting agencies, this could only be reported as an inquiry. This is why I never caught it, regardless of which ever judge agreed to this Judgement, that is fraud! This all stems from an advertisement circular " XXXX '' that I reached out to increase clientele volume at that time. With any and all marketing executions it is always required that you sign off on an advertisement before circulation. The XXXX INC. DBA XXXX XXXX XXXX took my initial signature of proceeding to do business with them and based there entire approach off of that, and they knew that!! there were multiple mistakes made on there part, all of which needed to be corrected but went forward with the circular any way. " They even put the wrong number on the circular '' This company is no longer in business and I am not the only person they have manipulated and taken complete advantage of. this has grown to {$10000.00} in total debt, and the collection firm and the owners of the XXXX XXXX have not only betrayed my trust, but this law firm has colluded with the owners of the XXXX XXXX and creating this trumped up debt. When I walk into the bank now, I am just so mortified, do to the lien that has been placed on my account. This money that was taken was Federal grant money that was given to me for my education on completing by bachelor 's degree in science, with certification in digital integrated marketing. In closing I have always done the right thing since the great fall out I have acquired my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Life, Health, Accident, Disability and Annuities '' I am not one to look for an easy way out, I grind out and get things done. These little individuals want something so now they are going to get it.. I WANT CRIMINAL CHARGES BROUGHT AGAINST ALL PARTIES THAT ARE INVOLVED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Payday loan) with AmeriCash Holding LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I fell behind on a payday loan due to I.D . theft and having to close my bank account. I setup a payment arrangement to settle the debt in full on XX/XX/XXXX and since that time I have received constant letters from Americash increasing the balance and threatening legal action. Even after setting up the agreed arrangement. I called Americash several times about the issue. they advised once the first payment was drafted all activity would stop. But it did not, it seem to escalate. I continued to call and even advised my representative as in every other call ; I did not ant to continue to receive these communications. They were confusing especially as, I was currently making payments. My representative XXXX was very dismissive of my concerns and very uneducated about debt collections practices. My last phone contact on XX/XX/XXXX I advised the company I would submit a complaint as they seem to not care about continuing to abuse their role in collecting debt.

Company response to consumer: Closed
Consumer complaint received 07/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I noticed anytime an mortgage is is transferred to a new servicing it reports as a new account to my credit report. This has an adverse affect since my credit score is based on length of time since an account has been open and I do n't have any control of when my mortgage is transferred to a new servicer. It makes it seems like I have had numerous mortgages opened in the last couple of years when really it is the same mortgage that just been transferred numerous times.

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 02-10-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: -I was billed {$27.00} fee. It was not denoted for what it was. ( they said it was a late fee. I always pay my bills on time and IN FULL. but they waived it stating it was from XXXX. I paid on time. ) -I was charged {$52.00} for interest on XXXX bill. I p

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 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/2016 I received an e-mail from Citi group advising that my Diamond Preferred Citi credit card was closed due to inactivity. I called right away but was not able to speak with a representative. On XXXX/XXXX/2016 I called and spoke to XXXX who advised she was an " account manager ''. XXXX confirmed that the acct had been closed ; I advised that I did not want my account closed and that I was concerned about it effecting my credit score. I asked for the card to be re-opened to which she responded could be done by me applying for the same card that they just closed. I asked why I did not receive a heads up that the card was going to be closed to which XXXX responded " this is exactly why we do not send heads up because the customer will go out and use it once and then never use it again and we do n't want that ''. I could not believe what I was hearing, I understand Citi bank wants to make money but to relay that information in such a manner to the customer is ridiculous. I advised that I am sure the higher ups would not want her telling customers that that is the reason they do not provide a heads up and she should not tell anyone else that. As someone who works in customer service customers like to feel like more than just a number. I do not any any inquiries on my CBR so I declined and asked who I could speak with to have the card re-opened without a CBR pull. She said she is the only one I can speak to. I had to threaten to write a complaint before she would escalate my call. I then spoke to XXXX who said he was an " officer in charge ''. I repeated my request to XXXX advising that since my card had been closed due to inactivity and it was just two days ago that it should be able to be re-opened without the CBR pull. He asked me 3-4 times if I wanted to apply after I made it very clear that I did not. I have XXXX other cards that are associated with Citi bank outside of the one that they closed. I am requesting my account be opened.

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 07/24/2017 about Mortgage (Conventional home mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I previously requested a letter from XXXX XXXX XXXX  regarding the incorrect reporting of a mortgage which they claim was delinquent ( 60 days late ). The letter provided was insufficient and lacked any details. These errors were reported to all 3 credit bureaus and negatively impacted my credit scores. The credit order # from my lender is XXXX, which reported my loan as delinquent ( 60 days late ), which pertains to a recent refinance through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Credit card) with Hodosh, Lyon & Hammer, PC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a debt collector letter stating I owe a debt. I have never owned a credit card nor do I know this bank. I do think they have the wrong person on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never done business with Ad Astra Recovery System. I do not have a signed contract not any contract with Ad Astra Recovery Systems. I have the right to demand to see a signed contract between Ad Astra Recovery Systems and myself

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, 2017. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including Equifax. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have contacted this company a total of 4 times. Each time, the fraud department said that it was an accident and they would remove it from my credit report. Each of those 4 times, I've waited 30 days and the credit inquiry still stays on my account. I'm not sure what to do at this point. Someone in the fraud department says it will be removed, but it still isn't getting removed. This has been on my report since XX/XX/2016.

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 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My

Company response to consumer: Closed with explanation