milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Credit card () with Experian Information Solutions Inc. (TX).
Issue: Closing/Cancelling account

Complaint: I am disputing the findings of Experian XXXX XXXX XXXX because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Experian XXXX XXXX XXXX supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and XXXX ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, XXXX, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and XXXX XXXX. 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Experian XXXX XXXX XXXX did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. Experian XXXX XXXX XXXX did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Experian XXXX XXXX XXXX refused to respond to my request for the details of their investigation XXXX attachment XXXX ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and XXXX ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.

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 05/21/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: My company XXXX. Received a XXXX check from our customer in the XXXX. The monies were frozen because the loss prevention dept did no like it and was suspicious. Wells. Fargo tried to return the funds XXXX times but the buyer ( sender ) bank refused it. We put pressure on Wells and so they called in the FBI for support. As a result, the funds are still there. The buyer will always refuse the funds. And Wells is keeping the money. My question is. Can they hold funds forever. We asked them to return it if they can. The sender will hand deliver the fund if he has to. Sincerely. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A fraud account was paid off that went into collections. The creditor is XXXXXXXX XXXX XXXXXXXX XXXX. It is a fraudulent account that was never go into collections because I mailed their item back to them Three months of the account closing the account but the item was mailed back to me without a new account agreement. It has been paid off and disputed for over Nine months. It was agreed to be removed already by the collection and credit reporting agencies but it was not still after a XXXX balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity thief. After learning of this I contacted Transunion and reported the inquiries and items that were fraudulent. They place a fraud monitor on my report but never removed the items. Recently someone tried to open accounts under my name and it was unsuccessful but still the inquiries were reporting on my account causing my credit to decrease ... 


XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/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 02/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously spoke with both the hospital & collectors regarding this bill. Both said they were trying to help me figure out where the charges came from. I paid cash fees, upfront, for the procedure related to this bill. The itemized bill statement that was sent to me does not make sense in terms of how the miscellaneous charges add up. XXXX could not explain who charged the extra {$500.00} on my bill & stated they would look into it & contact my insurance & surgeon.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I purchased a pair of boots from Macy 's in XX/XX/XXXX. The statement closed on XX/XX/XXXX. I received the boots on that day and did n't care for them. I returned them on XX/XX/XXXX for a full refund. No interest had been charged on the card. This came to a XXXX balance. On XX/XX/XXXX I ordered a jar and another pair of boots which means those should go on my XX/XX/XXXX statement and be due in XX/XX/XXXX. Instead Macy 's is n't considering my return of the boots a " valid payment '' for my XX/XX/XXXX statement and what I charged after statement close is now due on XXXX which is when the minimum payment was due for the boots I returned. I talked to a supervisor who told me this was legitimate and valid because returning the boots for a full refund and making my account a XXXX balance is NOT THE SAME as making an actual payment so I did n't " satisfy '' my payment requirement due on XX/XX/XXXX. So apparently even if I had n't charged the new pair of boots and jar on XXXX they were still expecting money from me on boots I NO LONGER HAVE IN MY POSSESSION because I would n't have met their minimum payment requirement by just returning the boots. I have NEVER, EVER, EVER had a credit card company do this. When I return an item after statement close they credit my account and it ALSO goes toward the payment that 's due. I should not have to pay for what I charged on XX/XX/XXXX until after my statement close on XX/XX/XXXX. Instead they are making it due XX/XX/XXXX even though what was due on XX/XX/XXXX came from my statement close on XX/XX/XXXX and was an item I returned for full refund on XX/XX/XXXX. I feel this to be illegal business activity.

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 10/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with MMMM Holdings, LLC (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I have been out of work since XXXX XXXX and have been trying to receive a consistent amount of social security benefits. I had a membership at XXXX XXXX XXXX, XXXX and the contract period has been fulfilled. I was on a month-to-month membership which I attempted to pay when I had money. 

I found out that there may be a problem when I received a solicitation letter, dated XXXX XXXX, XXXX, from law firms who were offering to represent me in a lawsuit that was filed by XXXX XXXX XXXX, XXXX. Since this was news to me, I went to the facility at XXXX & XXXX XXXX, XXXX, NE to talk to the manager to find out what was going on. I spoke with a person who identified herself as the manager. I showed her a letter from a lawyer and asked if XXXX XXXX XXXX had filed a lawsuit against me. She looked up my records and informed me that the account had been turned over to a collection agency. She assured me that there was no lawsuit filed against me. She did not allow me to remedy the overdue account since the account had already been referred to a collection agency. I did not pursue the matter any further based on her assurance that there was not a pending lawsuit. 

In early XXXX XXXX, I received a summons that was dated XXXX XXXX, XXXX notifying me that XXXX XXXX XXXX, XXXX was suing me for {$210.00}. There was a yellow sticky note on the front of the summons with the name XXXX XXXX XXXX XXXX. The officer who delivered the summons informed me that the lawsuit was pending and I should contact XXXX XXXX XXXX. 

I called XXXX XXXX XXXX to find out what was going on and was told that they had sent a letter to me on XXXX XXXX, XXXX. In that letter they told me that I had 30 days to dispute the claim or resolve it. I informed them that I do not have a record of receiving a letter from XXXX XXXX XXXX. I was told that, since the letter was not returned, they presumed that it was delivered. 

I did not know that XXXX XXXX XXXX had canceled my membership, did not know that they had referred the account to a collection agency, did not receive any correspondence from XXXX XXXX XXXX, and initially found out about a lawsuit from a lawyer solicitation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are  XXXX  accounts currently in collection with this agency, the first is for {$750.00}, which the company indicates was opened   XXXX     The second is for {$1000.00}, which my credit report shows was opened   XXXX     Both of these accounts have been re-aged, and are reporting misinformation on my credit report, which according to the FCRA is illegal.   The dates provided, I can only assume are the dates that these accounts were purchased by   Portfolio Recovery, rather than the original dates that they went into default.
I would like these collection accounts removed from my credit report immediately and any and all derogatory marks removed, as it is effecting and will continue to unfairly effect my credit ratin  g.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to work with my lender on a loan modifcation and they are refusing to review my loan for a modification. I have a FHA loan and they are advising me that my packet had to be sent to them XXXX days before the forelclosure but i didn ; t even know i had a foreclosure until 1 week ago. Also i did not receive the foreclosure letter until XXXX XXXX, 2015 there was no way for me to send the packet in XXXX days before the foreclosure when i did n't know there was a foreclosure until XXXX days before the scheduled date. Please help me keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/2016 mailed validation request to Stellar Recovery Inc . They have not responded and the account continues to be reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/XXXX I went to speak with a salesperson at XXXX Honda in XXXX. I was only going to get an inquiry about my vehicle that was due to be turned in because the lease was going to be up. I had been in a small fender bender, ( in my current vehicle ) and Honda told me they would take my vehicle right out from under me and put me in a new one, I said to them " of course you would, but at what cost? because I was just discharged from a bankruptcy and I want to make a fresh start, where I do n't put myself back in the same financial bind ''. They showed me a XXXX Honda XXXX. The salesman kept going back and forth with his Manager about pricing, looking to see what he can do for me. I knew that my credit score would effect the payment amount but I was curious to see what they could do for me. The salesman came back and said I can get the car for {$480.00} per month, that is without insurance. I told him that is just way too much for me, I know I wo n't be able to afford that!!! He kept saying " Come on I want to help you '' I said seriously there is no way I can or want to pay that much for a car because I 'm just coming out of a bankruptcy and want to better myself. I told him " I am just here to inquiry about the vehicle I have to turn in on XXXX XXXX ''. He kept pressuring me by saying " let 's just do it now while you are here ''. Looking back at the situation I was very vulnerable and in a position where I was desperate, because I needed a car since my lease was expiring in a month. I really did go in just to inquire and be better prepared when I do have to turn my car in. But, I feel like I was taken advantage of considering I told them what my situation was. All they wanted to do was make a sale and not consider what I could afford. XXXX is currently holding a postdated check from me, that I do n't have the $ $ $ for. They took a post dated check knowing I do n't have the money, now I 'm in a bind because I feel pressured to somehow come up with this money. My 1st payment is coming up and I do n't have that either. I really wish the sales people cared about people and not just pushing a sale right there and then. I 've tried taking the car back but they mislead me to believe that my payments will drop when my credit score improves in a month, but what about the money I have to come up with now??? I feel very helpless.

Company response to consumer: Closed with explanation