milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I will file a lawsuit for Experian committing fraud and stealing {$21.00} from my credit card when the credit and FICO score was free. I do NOT approve of this bill. I did not sign up for any membership. I signed up because it was free. They bring people in with free credit scores {$1.00} and then charge people {$21.00} weeks later. I never even gave them my credit card number. This company is a huge SCAM. The government should not allow this to happen. They are committing white collar crimes and should be subject to punishment. I am not the only one who 's been robbed by this big company. If you read the complaints about this company its endless. Please do something thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Credit card () with U.S. BANCORP (MA).
Issue: Advertising and marketing

Complaint: I have opted out permanently for prescreened credit card offers, but I still get them from Century Bank. I have also called them directly but the offers still come.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2016 about Payday loan () with Cash Express, LLC (TN).
Issue: Charged bank acct wrong day or amt

Complaint: I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a hand written letter to Experian dated XX/XX/2016 requesting verification ( consumer disclosure ) of XXXX of my student loan accounts in which the debts have been re-aged repeatedly for more than a decade. As of XX/XX/2016 there has been no response to my request, and the accounts remain. Numerous missed payments are reported continuously, while the date of first delinquency is approximately fifteen ( 15 ) years ago. 
I had the letter notarized on XX/XX/2016 prior to mailing by an officer at my local bank. Copies of all are enclosed for your review. Relevant pages from my current credit report dated today, XX/XX/2016 are also attached. 
I would like to request that these accounts be deleted so that I will no longer be illegally and unfairly punished by Experian.

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 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Debt collection (Medical) with SCA Collections, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am retired ( XXXX ) and living in XXXX. I moved from XXXX, CA over 3 years ago ( XX/XX/XXXX ) after living there for 28 years. All bills were paid including my cable bill ( equipment also returned XXXX to XXXX at their XXXX Connection location. A month ago I received a collection notice XXXX XXXX. XXXX ) from ERC XXXX Enhanced Recovery Company ), XXXX, XXXX, FL XXXX stating that I owe XXXX {$230.00}. They threaten me with reporting to Credit Bureau. I called ERC on XX/XX/XXXX and told them I do not owe XXXX any amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/30/2015 about Credit card () with U.S. BANCORP (IN).
Issue: Other

Complaint: US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. 
" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to negligent or malicious actions and/or improper storage of data/information on the part of EQUIFAX , Inc., My personal information and credit data about me were stolen from EQUIFAX , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (I do not know) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. 
This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with BARCLAYS BANK DELAWARE (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Auto) with Farrell Holdings, LLC (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Prime Acceptance call all day repeatedly from different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/25/2017 about Consumer Loan (Installment loan) with TOYOTA MOTOR CREDIT CORPORATION (IN).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed on XX/XX/2017. It was a Sat and all the businesses to get the situation handled were closed, so I had to wait until Monday. That Monday ( XX/XX/2017 ), I called Toyota and the first man that I spoke with told me that the amount would be {$710.00} and some change. I informed him that I could pay that and he said that I needed to wait for a letter that states the rest of my fines and that they had 3-7 days to get the letter. I asked what fines and he stated that of the towing company. With that being said, I called XXXX in XXXX which is where my car is. I asked them what the amount was going to be to be able to get the car after I pay Toyota and they stated that they were waiting for Toyota to send them the letter and without the letter they ca n't tell me anything. We have been struggling and I understand why they took the vehicle but I have been trying to pay Toyota now for 5 days and today marks the 7th day that my car is still in the impound. I have no idea how much money is accruing everyday on their lot, Toyota wo n't even let me pay them and I have no idea what else to do. I am XXXX and just wanted to get the situation handled as quickly as I can and Toyota is making it impossible for me to get my car back. I have been willing and offering since day 1. My husband and I were struggling to make payments and have told Toyota that we understand why they took the car but that we just want to get it back. I have spoken to managers, I have called at least 3 times a day since that Monday and still have gotten nowhere. I have appointments coming up ( I have XXXX ) next week that I have no idea if I will be able to go to because I do n't know when they are going to receive this letter that they keep talking about and not taking a payment. Everyday the cost increases. We are already struggling and the process to get our car back only racks up more charges and makes it more and more expensive. They say that the letter is required by the state but I have not seen anything in my research about this letter but what I have found is that I am not the only one in this position. They have even taken full payments before and still make their consumers wait 10 days before being able to get their cars back. Ridiculous. I am a willing customer who understands why her car was repossessed and have tried and tried to pay to get my car back and am constantly being pushed back. My husband is on the road and I have no other means of transportation and I am XXXX. I do n't know what else to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank 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/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 10-04-2015 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Saxon Mortgage is inaccurately reporting the mortgage that I had financed with them. 1 ) The account is still reporting open on my credit. The account was sold to XXXX in XX/XX/2009. This account should be reporting closed. ( The Date of First Delinquency has exceeded 7 years therefore it should be deleted from my credit file ) 2 ) The Date of First Delinquency is reporting inaccurately. Saxon is reporting XXXX XXXX as the Date of First Delinquency. Based on the payment history they are reporting, the date that led to my account being placed in collections was XXXX XXXX. 3 ) I have duplicate mortgages reporting on my credit which is affecting my credit score and has affected my credit score since it was sold in XX/XX/XXXX. 6 years I have received a negative impact on my score for Saxon inaccurate reporting. All issues are a violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Other financial service (Traveler’s/Cashier’s checks) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Customer service/Customer relations

Complaint: Earlier this year I was issued a check from Regions Bank for around {$20000.00}. I went there to cash it and they asked if it would be okay to get XXXX XXXX in cash and the rest in the form of a cashier 's check. Although I wanted the full amount in cash, I was understanding, due to the fact that this was a large amount. So, I have my cashier 's check, issued by the very same branch of Region 's bank here in XXXX XXXX, and they are refusing to cash it because my ID card does n't fit into the parameters set forth by their computer program. The thing is, it 's a very official ID that was issued by the XXXX with a very clear picture and I even brought a second form of ID with my picture on it. I just got released from State Jail and I do n't have a car or money to go around getting different forms of ID that fit into their box. I 'm the person whose name is on the cashier 's check, I have an official ID from the State of Texas ( it just is n't a drivers license like they want ). I know not everyone wants to walk around with large amounts of cash, but I 'm a lot more comfortable with keeping track of my money that way, and the whole point of a cashier 's check is that it can be redeemed for cash without any hassle.

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 07-03-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (MD).
Issue: Problems when you are unable to pay

Complaint: This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not receive a letter informing me of the debt, I found out after running my credit.I called and requested a letter in XXXX/XXXX/2016 and i still have n't received one.Started making payments on a payment arrangement still have n't received a receipt after XXXX payments.Company refused to fax or send info regarding payment plan or payments received.I offered to sign consent.I called numerous times were my info was given without right party ID.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NM).
Issue: Trouble during payment process

Complaint: A version of this Complaint was filed on  XX/XX/XXXX  (  XXXX  ). After speaking with a CFPB representative I am refilling the complaint as instructed. The company against whom the complaint is filed  - Bayview Loan Servicing, pr eviously misrepresented to the CFPB that the matter was in litigation. While there is a foreclosure matter pending in litigation, the company against whom this complaint is filed is NOT a party to that litigation and thus it is required to respond to the CFPB complaint. The company has recently confirmed it is not a party to that litigation stating in part : Bayview is not a party to the foreclosure action. See Exhib it 1 hereto, p.3 at paragraph 2.   <P/> Bayview will likely make the false claim that its " counsel '' will review and respond, however the attorney that will likely respond is NOT representing  Bayview or  XXXX  ( th e previous loan servicer ) and is admittedly not  Bayview  's counsel.  <P/> The responding attorney has no actual knowledge of the actions regarding the previous loan servicer which ceased business operations in  XXXX . The attorney is simply paid to say whatever it needs to in order to conceal the fraud outlined in my complaint.. It has proven that in the Exhibit attached hereto as Exhibit  1 w herein matters therein directly contradict other claims the attorney has made.  <P/> Complaint and documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MA).
Issue: Struggling to pay mortgage

Complaint: My mortgage was in default, I then reached out to citi mortgage bank. They then put me on a trial period. My payments were adjusted to {$1300.00} which all payment were received every month on time. I then received notification that my mortgage was adjusted and approved on XXXX XXXX. Then on XXXX XXXX I meet with XXXX XXXX the attorney and signed on my new mortgage with citi mortgage. They then received the signed documents on XXXX XXXX @ XXXX and signed by XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Ex XXXX number XXXX. File number on this document is XXXX and XXXX this is the XXXX XXXX title file number. So I then continued to make all my payments every month. Then on XXXX XXXX I received a letter with my returned check enclosed and the letter stated that the {$1300.00} received on XXXX/XXXX/XXXX was insufficient. I then reached out to the company and was given the run around for a few weeks. I then spoke to XXXX XXXX over the phone, and she said they had never received my signed documentation. So that is when I reached out to XXXX XXXX @ XXXX. He said he was hired by a third party and had been paid for his services. This is how I received all the tracking information. I have done everything in my powers to make resolve this matter prior to sending this complaint. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX cell 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 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting incorrectly, payments have been on time, the vehicle was turned in on time to the dealership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

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 07-05-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received one missed call with a voice mail from dynamic recovery solutions and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with non-monetary relief