milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Debt collection (Mortgage debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX i was behind on my rent for my apartment so apartment filed in court for eviction, before eviction process i paid apartment in the amount of {$1500.00} in money orders that were dropped off at office of the complex, then apartment got writ of possession for the apartment, i disputed the public records reporting that was on my credit report by stating that i paid the amount owed and to my advantage it was removed, well about 6 months later the same file showed back up on my credit report but under a different company and higher amount of {$4200.00} it also shows on my credit report 2 times which makes my credit score go down because now it looks like i owe {$8500.00} in debt 1 account shows open in XX/XX/XXXX and the other in XX/XX/XXXXi tried  calling the creditior and told him i nhad paid the debt of {$1500.00} directly to the apartment management company and he went on to tell me it doesnt matter because i broke the lease i told him i did not the managment company received a writ of possession for the unit, then rep was very rude and threaten to continue to ruin my credit until i pay the amount, i stated that i would hire a attorney because i didnt owe this amount plus the apartment complex had already removed the debt from my credit so how can you now report a higher amount originally oewd which i paid, i looked up yje company online and saw that many other consumers were having the same issues with this same creditor, i want to know what are my rights to fix this issue because now not only is he showing i owe {$4200.00} but now i owe double looking for help, this has cause me not to be able to get a place to live in my name until i resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On  XXXX   XXXX ,  XXXX  received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is  the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS  on  XXXX   XXXX ,  2017 .     S ince, ACS has no t posted the payment. They said it  could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business  days, I asked a customer service representative if they could contact  XXXX  to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at  XXXX  XXXX  XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHECK INTO CASH INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/XXXX I was on XXXX XXXX and noticed an inquiry that I did not authorized, from XXXX XXXX XXXX. I immediately called the company and was told it would be 30 days to get a response. I filed a fraud alert with XXXX XXXX police department report number is XXXX. I kept calling the company, no response from fraud department. I emailed XXXX and have not heard back. It is now XX/XX/XXXX and the company has done nothing to help me. I did put a freeze on all my credit via fraud alert. 
Can you, thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I established a custodianship account for my son at Citibank ( account # XXXX ) in connection with his travel to XXXX. Given the lack of resources at the branch in XXXX, it took XXXX visits to the bank and a 2.5 hour wait to establish the account. After receipt of a permanent ATM card, as requested, we contacted the bank to alert the bank of his travel to XXXX. The call took over an hour and my son, XXXX, was required to speak with them to address the matter. He is now in XXXX and unable to use his ATM card as the fraud department blocked use of the card. I have contacted Citibank. The Fraud department has not been able to assist. I must visit the branch again. There seem to be substantial system-based problems with Citibank 's operations...

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 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MI).
Issue: Other transaction problem

Complaint: Hello Sir/ Madam, I made an international money transfer of {$150.00} into my receivers bank account on XXXX/XXXX/XXXX via Western union. As of now money has not been deposited. 
I called them around 15 times, every time they say that transaction has completed successfully. Even though I provided them the proof of not getting it done successfully. ( receivers bank statement since they asked it ) Already tried to contact higher authorities, no answer from them as well. 

Please help Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX placed me in collections for many years for service I never received. Servic was initially requested then canceled the following day. XXXX techs never came to my house to provide the service since I had cancelled it. I was charged. I called multiple times to inquire on the fee in a statement. I was assured it has been taken care of and to ignore any future statements. Months later after follow calls, I was sent to collections. 

Few months ago I decided to pay since it was hurting me for so long. I now reach out to the bureau after learning about my rights. Please advise. 

See Collection contact info. below : DEBT RECOVERY SOLUTIONS XXXX XXXX, NY 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 10/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Citibank closed all my credit cards out of a sudden, without any notification. Only realised it since i could not used it everywhere for a week. Called the Office of President, they will not disclose further nor reopen the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Certified Credit Associates, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Had been receiving threatening calls about debt owed to an apartment complex. Asked if wanted to make payments and was told if I did not that I would be sued and it was about to be taken to court.

Company response to consumer: Untimely response
Consumer complaint received 04-10-2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Other fee

Complaint: I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. 
-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. 
On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on 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 09-02-2017 about Debt collection (I do not know) with AMERICAN EXPRESS COMPANY (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Called for someone never heard of, then threatened to hit my credit if i did n't help are pay them for someone else 's account!

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Medical debt) with ERC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent several letters to Equifax regarding fraud inquiries on my credit report. I have also submitted a identity theft report from the federal trade commission which they keep saying they have not received. This report was attached to the letter I sent previously. I have advised Equifax several times that these inquiries are related to fraud. Equifax is violating the FCRA by reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment at XXXX XXXX in XXXX, Florida for over two years. I always paid my rent on time. I gave over sixty ( 60 ) days notice that I was moving out. This was over a year ago. XXXX XXXX is trying to claim I owe them money. I do not owe them any money. They never refunded my deposit. I did not damage the apartment in anyway. XXXX and XXXX XXXX will not remove the item from my credit report. I spoke with the office manager at XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX. They told me good luck on ever renting another apartment if I did n't pay them money. They are trying to blackmail me and extort money from me that I do not owe them. They even agreed with me that I was never late on any rent payments, and that I gave them sufficient notice when I moved out. However, they will not remove the item from my credit report unless I pay them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Payday loan () with Halsted Financial Services, LLC. (FL).
Issue: Charged bank acct wrong day or amt

Complaint: Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have enrolled Equity Acceleration Program of Paymap since XXXX 2012. I just found that CFPB has taken action against Paymap and urged Paymap to refund money to consumers. I have not received refunds. Please help, or let me know where should I claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to apply for a checking account at US Bank in XX/XX/XXXX. When I applied I I was told by Assistant Manager XXXX XXXX that I will pre approved for a line of credit. I asked him several times if I decided to proceed, would this be a hard inquiry on my credit report. He ensured me that it would not be a hard inquiry it is a soft inquiry. I then decided to proceed. He also stated that I would have 30 days to apply for a credit card using this soft inquiry. The next day decided to try to apply for a credit card after knowing this. That same day I got a credit monitoring alert from XXXX and XXXX which showed a hard inquiry on my credit reports. I called and spoke with XXXX about this the next day and he stated that " he never said it would n't be a hard inquiry. '' He is then told me that I would have to send in a claim to there claims department. I called their claims/fraud department and started a dispute with them. A few weeks later I received a letter stating these inquiries we 're verified. I decided to call the branch back and I spoke with the branch manager XXXX XXXX. XXXX stated that there is some information on his end that needs to be submitted and offered to call me back. He called me almost a week later and said that he submitted the necessary information so that these can be taken off. It has been nearly two months since he told me this and the inquiries are still showing on my XXXX and XXXX credit report. I have not contacted them back since because at this point I 've lost faith that they did their beat to rectify the situation.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.

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 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief