milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CARD Corporation (IN).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: XX/XX/18 is the date we get paid and my funds are not on my card. I check that all routing and account numbers are correct and they are. I spoke with payroll from my employer and they provided me with a trace number to give to Card.com to " find '' my funds. I have called today 6 times to get this resolved. Card.com states they have not received my funds but my employer advised me that the funds were send on Wednesday. Another employee at my location also got a card.com card and she received her funds on Wednesday with no issues. But here it is FRIDAY ( PAYDAY ) and I am missing {$600.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Shopping for a loan or lease

Complaint: I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, I pulled my credit report on XX/XX/XXXX. I called XXXX ( Opened XX/XX/XXXX ) to verify my information. They said they did not pull me up with my SSN.  They did verify they had my name and snn. They said they did n't have my address. I want to know why this is reflecting on my credit report when I paid this. It is also from XXXX and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Please removed fraud alert from credit report. Information dose not include current phone number or address. it also is making it hard to apply for credit.

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 04/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Here is a brief recap of an issue that has been going on since XXXX XXXX XXXX mom and dad are XXXX year long wells fargo customers with XXXX accounts at wells fargo. 
My mom died in late XXXX XXXX. Wells fargo was notified in early XXXX XXXX. 
My dad has been incapacitated/incompetent since XXXX. He has XXXX, XXXX with XXXX, XXXX, XXXX. My dad was in a XXXX XXXX unit from XXXX XXXX to XXXX XXXX. My dad is currently in XXXX XXXX and needs help with all daily activities. My dad is not mobile and can not come into a branch. He is not able to execute a new power of attorney. 
My dad executed a Durable Power of Attorney in XXXX signed by XXXX witnesses. This is legally valid in CA. 
Wells Fargo refuses to recognize the DPOA and refuses to add me to all of their bank accounts. My dad can not and has not done any banking activities since XXXX. 
I need to be added to my parents accounts per the power of attorney to pay their federal taxes, pay my dads outstanding medical and other bills, pay for house repairs such as a new roof, electrical, plumbing, etc., and pay for my dads private pay XXXX XXXX costs that will hit in XXXX XXXX. 
I have gone through Wells Fargos local branch personal banker, local branch manager, district manager, legal department, beneficiary department, social care team, resolution team, and emailed all executives I could find. I have no choice but to file this complaint. 
My mom executed a Transfer on Death form with Wells Fargo - the branch provided her the form shortly before her death. It was not able to be filed as she was hospitalized/died a few days after executing the form. Wells Fargo now claims she used the wrong form. However, Wells Fargo GAVE her the form. 
I have shown Wells Fargo : Original Power of Attorney, My dads original signed social security card, My dads original non expired photo military id, My dads drivers license, My dads medical bills and other bills, My dads medical id cards, My moms original will, the Transfer on Death form my mom executed, the original death certificate for my mom, and more. 
On XXXX XXXX, XXXX Wells Fargo District Manager said I would be able to be added to my parents accounts per Wells Fargos legal department ruling. I went into the branch on XXXX XXXX, XXXX to accomplish this. Wells Fargo refused after a discussion with legal. 
As of XXXX XXXX, XXXX, Wells Fargo has refused to recognize the Power of Attorney and has refused to add me to my parents accounts and has refused to give me the Transfer on Death account.

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 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UBS BANK USA (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hope this complaint gets thru 3rd time writing it disappears after add attachments.
On XXXX XXXX 2017 get XXXX 2017 statement from ubs bank usa credit card.I notice there are {$1400.00} in charges did not make.I call the fraud dept. at ubs and sign declaration of fraudulent activity.Talk to XXXX in fraud dept ( manager ) She tells me {$1400.00} in charges will be reimbursed.
In XX/XX/XXXX get statement and I see {$400.00} in fraudulent charges have not been removed and date has now been chaned toXX/XX/XXXX .Did not make these charges and {$400.00} has been stolen from me by ubs.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN).
Issue: Struggling to pay mortgage

Complaint: My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with ISIS SECURITY INFORMATION SYSTEMS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacting this company for about 3 years to dispute this account. I told them time and time again that I indeed had XXXX insurance and they did not bill the correct insurance. I was finally able to get a copy of the proof that i had medical assistance during this time period. Here is the response that Universal Collections sent me " XXXX XXXX indicates in her notes that she had XXXX as her secondary insurance for the Date Of Service in question. She never provided our office with this information prior to this. If that is indeed correct, we request that she provide our office with proof of that insurance for the date of service XXXX/XXXX/2011 and we will expunge this debt from her credit bureau files ''. The point of the matter is that Universal Collections never provided any validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with R & B Corporation of Virginia (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a bill  from Credit Control Cooperation ( Fo rmally known as   XXXX   XXXX   XXXX   ) on or about  XXXX   XXXX   XXXX  for the amount of {$130.00}. Called company and they said I had a bill I had not paid. I disputed that and said I had my records to prove that I had paid all the bills from the   XXXX   XXXX   of  XXXX   (  XXXX  )  from last year  XXXX . They told me that I did not owe anything and could n't understand why I had been billed. Transferred to another dept they said they would investigate. Called back the next day and said I owed a bill from  XXXX . I called them back and asked if I owed a bill from that time why did anybody bill me repeatedly or call. They said I must have moved thats why I did not get a bill. Wrong, have been at same address for 18 years. Oh I must have a different telephone number. Wrong have had the same number for 18 years. Then they said if I did not pay they would put this information on my credit report in  XXXX . Have tried to get in touch with   XXXX   but they have not returned any calls. If I had owed from that time why did I never get a bill. Also I had an account with  XXXX  last year, there was some accounting errors last year but the  XXXX  said it was because of moving billing companies. I was told that I had paid all by bills. If I had an outstanding bill form  XXXX  would n't I have known about it and wouldent they have billed me again last year. Additionally, I believe that the statue of limitations has passed for the supposed debt. Why are they doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Settlement process and costs

Complaint: We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Please see CFPB Case # XXXX and OCC Case # XXXX. I received a response concerning the cases cited above from Wells Fargo Bank ( WFB ) dated XX/XX/2917. That response is attached. In that response WFB admits they acted contrary to the laws of the State of California. I ask that as part of your investigation your review this illegally obtained recording of my telephone call with WFB. You will discover that not only did I ask not to be recorded but WFB advised me that I could not talk with them unless I consented to being recorded. Instead of providing and immediate remedy by removing the illegally recorded telephone call from their database, WFB advises in their response letter that I must now send a separate " letter '' asking them to remove the illegally recorded telephone call. WFB in their standard method on operation has not only demonstrated clear and deliberate indifference for law and statute they now want to place further burden on me to get their illegal activity remedied. This kind of indifference should result in swift and substantial monetary sanctions imposed on WFB in an amount so as to induce WFB to get their act together.

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 monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EXPERIAN IS VIOLATING THE FCRA BY NOT BLOCKING THE ACCOUNTS AND CLAIMING ILLEGALLY THAT they believed I received something from the creditor despite the litany of information I have provided and Osada ruling that REQUIRES THEM TO MAKE CLEAR WHAT IS NEEDED TO BLOCK THE ACCOUNT. Read the law! This was their deplorable response. 

Thank you for submitting your complaint on XX/XX/2017,  through the CFPB Complaint portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. We are currently in the process of contacting the data furnisher ( s ) and/or public record vendor ( s ) to verify the accuracy of the information with which you disagree as needed. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. We received the identity theft report you provided, however, we are unable to block information on your credit report because we have reason to believe the request to block information was based on a material misrepresentation or you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the disputed transactions. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. ( Illegal violates the OSADA and FCRA amendments and more importantly post XXXX breach insures the account was compromised the way I EXPLAINED IN DETAIL. )

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 03/16/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2013 amount is {$760.00} IQ Data International IN this was about 4 years ago with XXXX apartments I was about XXXX XXXX XXXX and my mom used me as a XXXX XXXX for an apartment, I did not know anything about credit or how it could possibly affect me. When we left the apartment I did not know we had an outstanding balance. I did not receive any notificaiton that I owed anything to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: DIVERSIFIED CONSULTANTS has been calling me for about 6 months now every day around XXXX a.m. and sometimes in the afternoon about a bill that was paid years ago! 

I don't owe XXXX {$320.00} yet DIVERSIFIED CONSULTANTS keeps calling me everyday! 

NOW they have reported me to the credit bureaus for a completely false bill that has BEEN paid. 


DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last Reported XX/XX/XXXX Collection Agency DIVERSIFIED Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX {$320.00} High Balance {$320.00} Remarks Placed for collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Debt collection (Medical debt) with MiraMed Revenue Group LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 've never received any correspondence and any debt validation notice from MIRAMED REVENUE GROUP. I called the number listed on the credit report. Only to be given incorrect information. I request for debt validation as well as proof of date of service for so call medical bills this bill is for. The rep. " XXXX '' informed me that MIRAMED does not have nor provide this information for date of service etc. I inquired how can you bill me if you are not providing me with all the details etc. She informed this is their collection policy etc. I told her to have MIRAMED send me a debt validation letter along with the detail for the date of service they are now attempting to collect for etc. 
She said they will not be able to provide that information that I would need to call my insurance company. Why would I need to call another entity when MIRAMED REVENUE GROUP is the one stating I owe the bill not my insurance company. 
Please have this company stop their bad debt practice. I want this information removed from all credit files XXXX XXXX and XXXX FROM UNDER MY NAME ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.

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 04-11-2016 about Debt collection (Credit card) with Global Credit & Collection Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have all my bank statements indicating I made payments faithfully for over 3 years. This is not reflecting in this new collection agency 's report and their tactics of calling me all hours of the day are disturbing and harrasing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke. 
b ) The amount is for {$3200.00}. 
c ) I do not owe the funds since the debt has never been validated per many requests thereof. 
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in. 
e ) Creditor may no longer be in business. 
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax. 
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt. 
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers. 
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance.

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