milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: XXXX {$25.00} gift card that expires XXXX Starting on XXXX/XXXX/2015 XXXX or it agent partner emptied the funds from the card. Not only did XXXX have the funds to invest when the card was purchased, they " from the consumer perspective '' stole the money off the card before the card expired. This is just wrong and consumer abuse and fraud. 

Card ActivityPrint Friendly View of Page " RP '' indicates Recurring Payments TimeDescription/MerchantStatusAmount XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00}

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX    XXXX  ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all three credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: DEFI/BBVA COMPASS XXXX XXXX XXXX XXXX AL XXXX pulled my credit resulting in a hard inquiry on XX/XX/2018. No consent or written permission was given to them to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed an account with Transunion regarding a collection account from XXXX XXXX XXXX regarding the XXXX Government electronic traffic ticket department. I was issued a camera ticket in XXXX 2012 when i was not driving a vehicle. The vehicle was being driven by a relative. I disputed the account with the XXXX Government and got a letter agreeing to remove the account from their collections. I sent the letter to Transunion and they failed to remove the account from my credit report despite receiving information from the original creditor advising them to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: I go to First Tennessee in XXXX in XXXX every XXXX weeks. 
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in. 
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i was checking my credit report and there was collection from ERC for a  XXXX  cellphone company for the amount of  XXXX  dollar and i never had services with  XXXX  i am with  XXXX  i did never go with  XXXX  how they can do that and they have no information about my birthday or ss number so how they know its mine theses bad

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged bank acct wrong day or amt

Complaint: Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.

Company response to consumer: Untimely response
Consumer complaint received 01/18/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never signed for this debt. my ss # ends in XXXX ... I believe my identity have been stolen. My ex husband may have something to do. I have my divorce decree and can fax it upon request. I have no knowledge of such debt and if I get a letter of such debt send to my current address at XXXX, XXXX, FL XXXX, I will sue this collection company because of the stress they are causing and damaging to my credit ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It is about Escrow balance last year. I moved in to my new house XXXX/XXXX/2016, the escrow that they hold was about {$9000.00} to pay for Home insurance and property tax. The XXXX tax that they pay was only {$500.00} and Homeowner insurance is only {$810.00} dollars. They send me analysis that I have big balance and it is going to be refunded to me by XXXX. It is now middle of XXXX, I still did n't received the money. I called and send several emails, they said it is process and takes 7-10 business days. I am getting no where with Seneca Mortgage Company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing statement

Complaint: I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Customer service / Customer relations

Complaint: Have disputed the reporting of the status of account with Capital One, but they refuse to respond to the request and continually send me letters stating " they need more information ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have seen this incorrect information in my credit report several times over the years. 

I have never worked at XXXX XXXX XXXX in XXXX CA. 

Please remove that employment information from credit reports. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. 

I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. 

In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.

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 08-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The XXXX case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is XXXX XXXX XXXX, XXXX violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX XXXX XXXX Claims Division on XXXX XXXX, XXXX? Massachusetts Statue Limitations, Chapter XXXX, Section XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This item should 've been removed from our credit reports. Please see the attached letter.

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 03/13/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I was entered into the care of XXXX Hospital. This of course came with some bills, the one I 'm disputing is in collections for a total of {$3400.00}. I do n't even know what the charge is for specifically or the amount and can not find the information anywhere. Every other charge I incurred during my hospital visit was covered by my insurance company at the time, XXXX. I had had the insurance since XX/XX/XXXX, and I have the payments to prove it. I was told by XXXX customer service on several occasions to give them time to send the payment over to the collection agency or the hospital asking for the charges at the time. They later changed their story and said they were no longer going to pay, even though during XX/XX/XXXX and at the time of the hospital visit, I was paying a premium of {$570.00} every month for the XXXX plan. I 've had insurance with them for 2+ years and they left me in the dark thinking they were going to cover what they agreed to and what I 've been paying for but they did not. And my debts have now been sent to collections. I know that these debts are not to be paid by me, but by XXXX, I have been paying my premium for a reason, it 's their debt NOT MINE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (NV).
Issue: Trouble during payment process

Complaint: AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Amsher is not aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I 'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 


Validation was not valid and did not provide original documentation to show ownership of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been contacted by chase an account that I have disputed and do not owe as I explained my situation to them the representative said I see this might not be you. She then began to accuse me of living at an address that I have not lived at for many years and claim that I was lying about my info when I have proof that I was not living at said location. The phone number that contacted me was XXXX I would like to resolve this issue and protect my rights as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Support Collectors, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A fitness club had a clause in their contract saying if you cancel within three business days you are not obligated to pay anything. If you go past these three days then cancel you pay {$300.00} dollars or so. 

On the third day ( within the acceptable window ) I called in to the fitness club and asked what would be the appropriate steps to cancel the contract. They stated I have to come in to cancel, but since I called I can come in anytime that week that is convenient and not pay the fine. Upon arriving a few days later at the club I was given a business card and told to email the individual stating my wish to cancel. After doing so, the individual on the email stated I was pass the three day window to cancel and I owed {$300.00}. I responded with an email describing the situation - how a representative from the company gave me a verbal agreement that it was ok to come in later the week. I received another generic email, which did not dispute or even acknowledge anything I said about the verbal agreement, and stated I still owe {$300.00}. I sent another email asking to discuss this further over the phone because I feel I was apparently lied to and I do not believe that is an acceptable business practice to entrap someone like that. After no response back by email I called multiple times and left messages or a person at the club stated someone would get back to me. I never got any response back from the club. A few months later, I found a letter in the mail from a debt collection agency saying I owe them {$300.00}. 

Should I have done something different? Do I owe that {$300.00} to the health club? It appears like that was an entrapment technique. and the company refused to negotiate with me in good faith or even reach back out to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Managing the loan or lease

Complaint: I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX. Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of XXXX.the image I am attaching shows their license is lapsed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: For 3 years I have traveled to XXXX and used my chase debit card, the first 2 years I was refunded all non chase atm fees as I was informed by customer service that since chase has not atm in XXXX, I was entitled to refunds which I received 2 years. I again traveled to XXXX last 2 weeks ago and accrued not only non chase atm fees but numerous fee exchange fees. Why do I have pay an exchange fee when chase delays the authorization and then charges me the rate of exchange from XXXX dollar to us dollar the next day? the previous 2 years I never had to pay exchange fee, I do n't get credit from chase when the dollar is in my favor so why do I get charged when the dollar drops? I spoke with XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX x XXXX and she adjusted {$32.00} on XX/XX/XXXX, I left her 2 voice mails on XX/XX/XXXX and XX/XX/XXXX and she has not returned my call. I am requested the balance of non chase atm fee and fee exchange fee of {$48.00} to be credited to my chase account, thank you. As of today I have not had my phone calls returned or has my complaint to the BBB of New York been answered.

Company response to consumer: Closed with monetary relief