milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX/XXXX, I received notification from my credit alert company stating that a collection has been added from Bull City Financial in the amount of {$120.00}. I called them immediately with the intent to pay ; but I was confused as to why I received this collection without getting proper notification. I have not received a letter or phone call. They told me it was from date of service XX/XX/XXXX. the said they began collection activities on XXXX/XXXX. I AGAIN explained that I have no knowledge of this account. I explained to them that I have health insurance and I thought the amount was covered. I overly explained that I did not receive notification of this debt. My initial reason to call was pay the debt ; and to have them remove the debt after its been paid. They said that they could not remove the debt from my credit file because of a debt from XXXX. I explained to Bull City Financial XXXX that I can not review or confirm the XXXX debt because its not on my credit file and I have no knowledge of it being listed on my credit report. However, I can confirmed the latest debt of {$120.00}. I explained to them I can not verify the debt from XXXX nor can they hold this debt from 11 years ago over my head. They hung up on me ; called XXXX XXXX XXXX billing department to have them walk me through this process ; they asked me to call the collections agency. I called back to Bull City Financial again and they said the same thing ; this time, the representative told me that I had the pay the old balance AND the new balance. I explained to him again ; that I can not verify the old balance. They refused to help me ; so I reached out to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: When I applied for the mortgage my bank used a credit report from Equifax. Out of three reports Equifax gave me the lowest score. It resulted in my mortgage interest rate being increased from 4 % to 4.125 %. The report contained the error : there was a credit card listed for which i was not responsible. Note that other agencies did not have that card listed. The complaint was submitted by me and by XXXX ( the issuer of the card ). My complaints were submitted through equifax website. I have also contacted to the manager and they assured me that once investigation is over i will get an email with the result ( we 've agreed on email because it is faster, my mortgage 's closing date is approaching ). I need the official result from equifax to demand my bank to change interest rate on my mortgage. Another problem i have is that Equifax would not allow me to send any information via mail or email. The only way to file a complaint ( as it states on their website ) is over the phone. It is done so that the individual does not have any proofs about the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts

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 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed the Foreclosure reference on my credit report in XX/XX/XXXX. Experian came back with a verified status. This was a short sale and not a FS and their coding is keeping me from getting an FHA loan. I have disputed this for almost 3 years now and it does not get resolved. They list paid in settlement in the comments but the coding shows a FS on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Payday loan () with ZARVAD III S.A. (CA).
Issue: Can't stop charges to bank account

Complaint: I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (OR).
Issue: Loan servicing, payments, escrow account

Complaint: in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Unsolicited issuance of credit card

Complaint: On or about XX/XX/XXXX, I received a letter from Chase Cardmember services indicating that they made an omission in disclosure of fees and interest change related to an event in XX/XX/XXXX. They indicated to rectify the situation they would be issuing a credit to my account. This credit card account has been closed and paid with a {$0.00} balance since XX/XX/XXXX. I was able to call Chase Cardmember services automated account system to determine that they were issuing a credit in the amount of {$49.00}. I presumed since it would be mailed to me in the form of a check since this was real money that I paid to Chase Cardmember services in XX/XX/XXXX. Today ( XX/XX/XXXX ) I received a Chase credit card statement showing the reversal of charges and a credit on my account. I have not authorized Chase to open a consumer credit account in my name and it was done without my approval or consent. Additionally I have not received any privacy disclosure or APR disclosure with the " re-opening '' of the account. I believe Chase Cardmember Services has violated the Truth in Lending Act by omitting disclosure of the terms of the account that was re-opened after being closed for 5+ years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm not understanding the interest on the balance ... the amount is more than what I was told and I 'm not seeing a decrease with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Solomon and Solomon, P.C. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Complete college from XXXX in XXXX NJ in 2011 could not keep up with my payments due to the amount sent paper work and tried to make payments due to not being able to make payments and the company not able to correctly take care of my paper work such as the information i sent them in order for me to defer my payments i was sent to collections and my credit history has been a mess since which includes a lien in my accounts which has not allowed me to find the proper jobs that will allow me to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: RE : Case number : XXXX I am now filing an additional complaint in this matter concerning my escrow account and my demand that the account be dissolved and all funds remitted to me. Citizens has engaged in stalling tactics throughout this process and now has requested an additional 60 days! They have no documentation to support their claim of a " fee '' that should be imposed on me for the dissolution of the account. They have continuously tried to placate me by asking for an additional number of days to " research the issue ''. It is time for them to close the account, as they have already agreed to do, and turn over all funds to me. 
The attached documents show a pattern on the part of Citizens to continually stall the customer and delay any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b Transunion also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as Transunion. 
FCRA section 611 ( a ) ( 1 ) ( a )

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 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: COMPLAINT : EXPERIAN : XXXX : XXXX : VS XXXX 1. ON PURPOSE, I FLOAT {$500.00} -- -- {$1200.00} ON MY CREDIT CARDS FOR REWARDS : A : FOR TWO YEARS, ON PURPOSE, I PAY EACH CARD OFF EACH MONTH : B : WHY DO THE CREDIT REPORTING AGENCIES PLAY A GAME WITH ME AND XXXX IN CAL XXXX IN XXXX? 
C : WHY DOES MY FICO, CREDIT SCORE JUMP AROUND FROM XXXX -- XXXX -- XXXX NOW DOWN TO XXXX??? 
D : WHY IS MY CREDIT SCORE AND FICO NOT AT THE SAME RATE FOR ALL CREDIT AGENCIES? 
E : WHY IS MY CREDIT SCORE NOT AT XXXX OR HIGHER 2. DO ALL CREDIT REPORTING AGENCIES ABUSE THE PEOPLE OF CAL, XXXX? 
A : ARE THEY FORCING HIGHER RATES FOR CONSUMERS IN CAL FOR HOME LOAN, AUTO LOAN AND ARE WE PAYING MORE IN CREDIT CARD FEES THAN WE SHOULD? 

SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT REPORTING AGENCIES??? 

AS YOU KNOW, I AM LOOKING AT RUNNING FOR XXXX SUPERVISORS RACE IN 2020 AND WOULD LIKE TO KNOW HOW MANY OF THE XXXX PEOPLE IN XXXX CONSUMER RIGHTS MAYBE VIOLATED AND ABUSED?

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been disputing XXXX XXXX XXXX XXXX with TransUnion for the past few months. My last time disputing this item was XXXX XXXX, XXXX. XXXX XXXX was supposed to fall of my credit file in XXXX of this year which it hasnt as of yet. My last time disputing this item they marked the account as having a late payment. TransUnion has failed to follow the rule of the FCRA and is still reporting this company on my credit and its been over 7 years. TransUnion has also allow a few companies to run my credit without my consent or knowledge even though I have a credit freeze on all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Last XX/XX/XXXX, I sent a letter to this credit repository to request an investigation on State Tax Lien ref # XXXX. On my letter, I informed this company that, " Verified with the court that this item has been withdrawn last XX/XX/XXXX. Also verified that my SSN nor my date of birth is not by any means linked to this items. Your records are incorrect and unverifiable and per the XXXX XXXX XXXX XXXX, this item should have been removed last XX/XX/XXXX. ". Upon checking on my credit report today, XX/XX/XXXX, the incorrect item is still reporting. XXXX and XXXX are reporting the same incorrect lien and I sent both of them a dispute letter also on XX/XX/XXXX. BOTH XXXX AND XXXX  DELETED THIS INCORRECT LIEN. What makes this valid? What investigation process did this company do? Why would the other bureaus delete an incorrect information and this company did not? This a violation of FCRA. The date shows on my credit report as XX/XX/XXXX, proof no investigation was conducted.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt of late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent

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 09/25/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: The company called at XXXX XXXX This is not the first instance. They are harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other service issues

Complaint: I ' am a seller on eBay so I use PayPal for payment. I sold a XXXX XXXX XXXX handbag on XXXX/XXXX/16 and invoiced the buyer the same day for {$2500.00}, which included adult signature and insurance. The invoice was paid the same day, as the invoice on the invoice was the receipt, the box with the XXXX card. The buyer signed for the package on XXXX/XXXX/16 and I have proof from USPS of signature. The money is released to me but I never transferred to my bank account just online shopped using my PayPal account. Then the buyer wait until XXXX/XXXX/16 stating that she never received the item, which she did on the XXXX, and signed for it why, would she literally 7 days fraud that 's why. I sent PayPal all my info uploaded my usps documents Then on XXXX/XXXX/16 PayPal decided in my favor so they released the money to my account, the buyer and myself received the email as well. Then XXXX/XXXX/16 the buyer then take 7 more days to change her first claim from not received to oh she received it but now its not what she wanted. The first claim was false and the XXXX claim is false then I supported my timeline of events which is extremely a lie so PayPal decided in the buyers favor on XXXX/XXXX/16 this time due to her giving false documents, which she still have my item and they have a - {$2500.00} on my account if anyone read the time lines and my proof you can see how PayPal XXXX the sellers and make it where we are out of money and this go on our credit report. I filed a complaint with the XXXX, and I got a nasty response of basically XXXX it up - {$2500.00} and move on well I 'm not I also filed with the Texas XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Credit card debt) with Miller, Stark, Klein and Associates (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had some credit card debt with XXXX XXXX ( XXXX XXXX XXXX ). In XXXX i made payment arrangements for the debt with XXXX XXXX XXXX ( tel. XXXX ). I made monthly payment of {$150.00} until the debt of {$3000.00} was paid inXX/XX/XXXX. The collection company has gone out of business and the debt is still showing on my credit report. It has been very difficult to have it removed. I have the cancelled checks for each payment to the collection agency. 

I received a call from XXXX XXXX of Miller Stark Klein & Associates on the morning of XX/XX/XXXX. She claimed she was calling to setup a hearing for collection of the debt owed to XXXX XXXX. She proceeded to give me all sorts of my own personal information and then an ultimatum of three options : 1. ) Pay a settlement amount of {$1600.00} today 2. ) Pay {$6400.00} over 6 installments paid monthly or 3. ) Setup a hearing and pay {$12000.00}. 

I explained that I had already paid this debt and the circumstances surrounding the loan and she stated that the payments were made to an unauthorized collector. When reviewing the firm online I found a number of complaints about attempted collection of old debt and the tactics the company uses to scare consumers into making payments that may not be warranted. I have filed a complaint with the Attorney General 's offices of both Arizona and North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please be advised the credit reporting agency is reporting XXXX open tax liens on my account in error! Please see below. The credit bureau claims that the court furnished them the information but I called the court and they said they do not give out that information! Please see below! I also visited XXXX : XXXX ( The GA Delinquent Taxpayer List ) and searched my name and XXXX XXXX which is XXXX and there was NO DATA FOUND! 
Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$800.00} Classification Lien Type Tax Lien Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Public Record Details Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status Released Amount {$360.00} Classification Lien Type Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief