milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX is reporting a collection account for a medical bill that was in dispute with original creditor and they were made aware that it was in dispute. I was injured in a car accident and the other party was responsible. I have an attorney and my attorney notified them that there were legal proceedings pending and they were to wait for instructions before proceeding. They ignored our dispute and reported this as a collection. I was in the accident XX/XX/XXXX and they are reporting it as being XX/XX/XXXX so they are also re-aging the account and providing incorrect, misleading and deceptive information to the credit bureaus despite our repeated communication to them that we are in dispute with the original creditor and that we did not agree with their validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: XXXX XXXX duplicate accounts XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX same loan XXXX.in good standing with delinquency trade lines XX/XX/XXXX. 3 times the same student loan. XXXX XXXX XXXX. XX/XX/XXXX with delinquency trade lines in good standing, innacurate information. XXXX  original loan account status closed / Transfer when should said paid/ closed XXXX. XX/XX/XXXX this way they duplicate the same account with the same trade lines in good standing but with status paid/ closed without the original trade lines XX/XX/XXXX and last reported XX/XX/XXXX when was paid XX/XX/XXXX.XXXX again with the duplicate account XXXX. XX/XX/XXXX the same pattern with the XXXX. last reported XX/XX/XXXX. These two loans was consolidated into one in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Within this past month I have disputed GC Services with all three bureaus and in less then 24 hours the account comes back verified. I asked them to validate that the debt was mine and they sent me a copy of a XXXX bill with signatures that 's are n't even mines. They in no way have validated or verified that the debt they are trying to collect is mines. Also GC Services has very unethical practices like calling their " customers '' 2-3 times a day and have been in many lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OR).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: XXXX   XXXX  Chase mortgage housing settlement. The attorneys embezzled it and put my children up for  XXXX . They used my credit by filing a false me in in chikd support against me then had me   XXXX   and now a credit REPORT shows I am a  XXXX  and the order to be dismissed is not there. It keeps me from getting jobs or credit.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently submitted a complaint in regards to late payments reported on my credit after a XXXX modification. I have since received notification the late payments would be removed which we are thankful for. Now I check my credit and the BB & T mortgage which should be our current mortgage provider is now marked as closed and the late payments are still showing. The XXXX mortgage has been closed and the late payments removed-this is accurate. Then there is a XXXX XXXX Mortgage showing Open-Current, but also has the late payments. Can you assist me with fixing this. thank you

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 06/29/2017 about Debt collection (I do not know) with Salander Enterprises, LLC (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My HR Generalist came to speak with me in regards to a letter she received from XXXX XXXX XXXX , XXXX. This letter states that I owe a remaining balance of {$210.00} for interest. I have paid the judgment in full as of my paycheck dated XX/XX/2017. I have in fact paid a total of {$1900.00} ( the judgment total amount was {$1700.00} ). I have never received any notification from this company in regards to anything, including the actual documentation to go to court. I was never given the opportunity to appear in court or dispute anything in regards to this debt. I did allow my wages to be garnished because I was unaware that I could dispute it. I do not believe I owe them any further monies. The only reason I am aware of this is because my HR brought it to my attention. I do have documentation showing the amount that was to be garnished from my wages ( showing {$1700.00} ), I have documentation showing the amount taken from wages ( {$1900.00} ), & I have a copy of the emailed to my company requesting an additional {$210.00} if needed. I do no have any documents that were send to me because they have not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Checking account) with EAST WEST BANK (TX).
Issue: Account opening, closing, or management

Complaint: I had XXXX checkings and XXXX saving account with XXXX Bank before and now they merged into East West Bank. XXXX of my accounts has been charged service fee every month after they merged into East West Bank without any notice. I called the bank but they refused to credit me back the service fee and they were saying that I supposed to maintain {$2500.00} on each account. I told them that I did not receive any communication about these charges and I have been with the bank since XX/XX/1994 and never have this issue before. I ended up have to closed out all my accounts and only get two months refund back which is a very unpleasant experience.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 12/16/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I ws looking at my account and a see the minumium payme is like XXXX for a balance that i old of Current Balance {$1100.00}, i try to adress that with the costomer services..but they say is nothing they can do. here is what they say : Thank you for patiently waiting. Please be informed that this account is accumulated by a monthly interest of 2.50 % of current balance. As per XXXX/XXXX/XXXX account was charged of {$49.00} interest and yes you are correct. The minimum payment is {$110.00} good until XXXX/XXXX/XXXX. 


As much as we would like to have your APR adjusted, unfortunately, we do not provide annual percentage rate reductions. The current rate you have is all that we can offer.

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 09-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Midland Credit Management has been calling me since last year regarding an account I had with XXXX XXXX XXXX XXXX . I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called Midland and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that Midland is n't even on my report. I then pulled all XXXX credit reports and Midland is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.

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 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this item several times with the credit reporting agency. I have advised them that this is not my account. I did not conduct any business with this company. The creditor is XXXX XXXX XXXX with an open date of XXXX/XXXX/16. The balance amount is {$240.00}.

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 explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: See the attached email received from Bank of America in regards to joining an exclusive XXXX XXXX advisory panel. I have not been a customer of XXXX XXXX  for years. The email states in order to join I need to be a customer. It also states my family members can not be employed in the financial services industry. As a former employee BofA knows my spouse works in the financial services industry. Why are they sending this to me? Is it because they are so big that the left hand does n't know what the right hand is doing?

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 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Zenith Financial Network Inc (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my private information and has caused me to have to purchase credit monitoring and locking features from them and from the other two credit blackmailing services.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Problems caused by my funds being low

Complaint: I am a US Bank NA customer & I have a complaint about the way the bank charges overdraft fees. The bank will tell you that you have until XXXX to deposit funds that will be credited to your account the same day. Yet I have checked my account as late as XXXX in the morning & it will show a positive balance only to check again later in the morning & find that they have processed checks, added to my account for the previous day which makes it overdrawn. They then charge me overdraft fees for those checks and/or debits added the previous morning. This seems to be a way for the bank to continuously collect overdraft fees. If I knew there were outstanding debits that were going to hit my account on a certain day I could try to cover them. When I do n't know then I assume my account is in good standing until at least the next banking day. This definitely puts the consumer at a disadvantage. If XXXX is the cutoff for a business day then the bank should not be allowed to post debits to accounts the next day as they have done to me on numerous occasions. I can only imagine how many other customers go through this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused. 
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone.. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
A XXXX later, I got a XXXX bill for over {$300.00}. 
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly. 
They would not take the phone back, but did deactivate it. 
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I am filing this complaint because XXXX | Trans Union | XXXX have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The accounts that I disputed have not been properly validated or verified. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to delete all information which can not be verified. Please resolve this as soon as possible.

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 04-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: The charges made on this closed Amex account are preventing me from obtaining a new card from the company, despite having other cards from American Express which had no problems/issues associated with the accounts. The charges when the account was closed, consisted of fraudulent and unauthorized charges which were supposed to be covered by an insurance policy offered by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/2017. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, sent an old debt of my to XXXX XXXX XXXX XXXX XXXX Attorneys at Law, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX. The debt that is currently being garnished from my paycheck, is a 10 year old debt. I just received another notice in the mail for another XXXX XXXX XXXX bill stating that I also need to make payments. The business is outsourced in XXXX they customer service representatives keep harassing for payments on multiple accounts. When I ask for all of the accounts for bills I owe the person states that it is under other indvidials ; although they share the same office. My old information is being passed around to multiple people and they have my old address in their system. The representatives at times are rude and pressure me to make payments on the spot. I think this is illegal and I refuse to pay on old debt from 16 years ago ; its against the law in New York State.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Non-federal student loan) with ACS Education Services (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am trying to contact ACS Education Services about deferring my loans while I am on a XXXX XXXX. I believe my campus based loans were Perkins loans, but I need to verify that and where to send the forms. Over the last month, I have sent two emails that went unanswered. Today I tried twice to call and stayed on hold for 30 minutes or more each time. There is no estimate of how long the phone hold will be. I would like to be able to contact ACS Education services in a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I made a reclaim to the credit bureao Experian because i was victim of identity theft and There are 4 accounts that i dont recognize and are negativly impacting my credit score, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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: I opened a charge account with XXXX XXXX XXXX ( credit file ending in XXXX ) in the early months of XX/XX/XXXX. On XX/XX/XXXX to XX/XX/XXXX,  I generated a balance of {$370.00} and made a payment of {$120.00} on XX/XX/XXXX ending with a balance of {$250.00}. Then on XX/XX/XXXX, I paid {$100.00} on the {$250.00} balance leaving me with a balance of {$150.00}. Then on XX/XX/XXXX, two later, I paid the {$150.00} that was showing my remaining, {$150.00} to establish a XXXX balance and account paid off like all my other creditors as always on time and never late and always make payments greater than the minimum due. Then XXXX added {$4.00} to my account in error and I did not know that they had done this. So then Experian and the other credit agencies posted a late payment to my credit file resulting in me going from excellent credit to fair credit and my credit score went from XXXX to XXXX. I communicated with XXXX and they agreed to send a letter to the credit reporting agencies to omit the late payment and to state my account as closed/XXXX balance and current. they even issued me another charge account ( # XXXX ) which I have not used yet. I have waited 30 days for Experian to update my credit file and they have dragged their feet and refused to change my credit file. I did receive notification from XXXX XXXX that my file was updated but Experian is not co operating and when I tried talking to their Dispute department, a female representative was very rude to me and unprofessional and hung up me. This why I am filing this complaint with you and seek any assistance that I can get in this manner. Thank you very much.

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