milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have been living in XXXX since XX/XX/XXXX and was never contacted by Midland Funding or XXXX XXXX XXXX, their New York legal representatives. In XX/XX/XXXX there was a judgement entered against me in County of XXXX court which, in turn, was added to my public records on my credit report. 

After requesting a copy of the procedural filings in XXXX County ( where I used to reside with my parents ) I noticed that the process server, hired by XXXX XXXX XXXX, falsified service to my mother. My parents moved from that house to XXXX prior to the alleged date of service on the court records. The description of my mother is XXXX inaccurate. 

In order to get this removed from my credit report I must pay an attorney {$1500.00} to take the case, which I can not afford to do at this time. After reading horror stories online I realized that I am not alone. XXXX XXXX XXXX, in addition to Midland/Encore, are deceitful in their business practices and should be forced to pay penalties for unjustly destroying the credit of XXXX Americans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Credit reporting () with U.S. BANCORP (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!

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 03/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: My wife and I both signed up for our own individual credit account. it was based off an offer 0 % interest a fee waiver for the annual fee and bonus miles after a certain amount of money was spent. I received a high credit score of XXXX I also happen to obtain a large limit from the slender and on top of that they waive my fee. Yeah were tied it was for 0 % interest which they gave to my wife 's account and did not get to my account. When I question their practices and even offered my wife 's account information so that they can compare and contrast the XXXX accounts they refused to take her information and merely told me in writing that I had the best offer available. his peer to be a lackluster investigation is no one ever talk to me about what I ended up signing up for it was merely just a description and nothing more was done no remedy was offered. I have since close the account and will pay off the entire {$9000.00} balance this week which demonstrates my Credit worthiness.

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 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted equifax about XXXX that 's been reporting against my credit for more than over 7 years and they are refusing to remove it. Instead of removing the negative item, they keep changing the date to show that it 's not older than 7 years. Attach is a document that shows the open date to be more than 9 years old and I 'm hoping this action will finally cause equifax to remove this negative item from my credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 

On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident. 

I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested. 

In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (PA).
Issue: Struggling to pay mortgage

Complaint: Was current on Mortgage . Husband lost job and making payments was getting difficult. Company said in order to apply for modification, I had to be behind on payments. Skipped one payment, then applied and was approved for a loan modification. Successfully completed Trial Plan Payments, and at end of the trial period, mortgage company refuses to complete the offered modification. They are now trying to foreclose.

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 03-07-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: In XXXX of 2016, I decided to open my own private counseling practice. On the day that I decided to take my first big step by creating my LLC and opening my business account, my childcare fell through, requiring me to take my baby to the bank with me. While the Wells Fargo employee did seem a bit unprofessional at first and was eating as we talked, I initially loved meeting her. We connected about being transplants from the XXXX and I found myself wanting to help her feel welcome. However, as I have looked back on the meeting, I feel like it was terribly unprofessional. 
As we were opening the business account, I told the Wells Fargo employee that I was interested in getting a business credit card in the future, but that I had no interest in signing up for more cards at that time. We completed my LLC paperwork and opened my account. She told me that in order to open my account, I " had to '' structure it so that it was divided to three sections -- taxes, savings, and the main operating account. Having never owned a business before, I listened to what she had to say. She never told me about the different business account options at Wells Fargo, nor did she inform me about any possible fees I might accrue. Finally, as we were closing the interview, my baby started to cry and I informed the woman that I would need to nurse her so that we could continue our meeting peacefully. To this, she responded " pull out that XXXX!! '' I was surprised by her unprofessionalism, but the meeting was ending and I was happy to have successfully acquired my LLC and opened my account. 
Opening my practice was a slow process, being that I was home full time with my child. I was not utilizing it often, which meant that it took me 2-3 months to discover that at the bottom of my online account, the Wells Fargo employee had signed me up for XXXX credit cards. Additionally, the taxes and savings sections of my business account had been accruing fees rapidly. She did n't just sign me up for a business account -- she signed me up for XXXX separate additional accounts. I did not give verbal consent for any of this. I did sign electronically at the employee 's desk, but I was not clearly informed that by doing so, I was signing up for credit cards or additional accounts. Finally, I was not informed that my main business account would also be at risk for accruing fees. I came to the bank to sign up for XXXX bank account, and left unknowingly with XXXX bank accounts and XXXX credit cards! 
The experience of opening a business, especially as a woman and new mother, should have been an empowering experience for me. Instead, I was deceived by my bank before I even had a chance to begin making money.

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 11/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have uploaded XXXX letters that explain the problem. These liens have NEVER existed, anywhere!! Equifax lies and claims that they have contacted XXXX and XXXX County and verified, this is a blatant lie!! I have been in both offices, I have been in contact with the IRS, these liens have NEVER existed. Over countless disputes they have ignored my documentation and lied about verification!! They have blatantly changed the dollar amounts of the fictitious liens, and over and over again changed them from XXXX reported to XXXX, and changed back and forth their location of recording. XXXX and XXXX share the same recording system. THESE DO NOT EXIST AND NEVER HAVE!!!!! 
What Equifax is doing to me is ILLEGAL, Stop reporting ALL IRS liens in my name!! 
The XXXX that were real and accurate have been WITHDRAWN!!!!!! 
Anything else has NEVER EXISTED!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have attempted to dispute a charge off with XXXX XXXX, I have spoken with what they stated was the presidential office with a woman named XXXX. She explained to me that the charge off happened three days previous, XXXX and continued to tell me to deal with collections. She offered no support and when I was sent to the collections number, they did not have my account on file, thus I was never notified about this debt/charge off and now they are refusing to attempt to remedy the situation. I do not have any records showing I had a balance as I presumed the account was closed. Thank you for your help. 

XXXX XXXX

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX  XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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 07-02-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For the past 3 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$370.00}.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had a mortgage with XXXX for almost 20 years. A couple of years ago I opened an " XXXX '' business credit card account with XXXX. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to XXXX 's own actions, and these late payments are now reflected in my credit report. I attempted to contact XXXX to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again XXXX refused to accept responsibility.

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 11/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: On XXXX/XXXX/15 I authorized a charge of {$3300.00} to my American Express card to be paid to the merchant XXXX for the cross-country transportation and delivery of a container of household goods. On the contracted delivery date of XXXX/XXXX/15 the merchant failed to deliver the goods due to an error made by one of their employees ; the container was delivered to the wrong location. I contacted AMEX, told them the goods were not delivered, and that I wanted to dispute the charge. AMEX then issued a credit to my account. AMEX apparently also reversed their original payment to XXXX at this time. 
On XXXX/XXXX/15 XXXX delivered the shipment to the correct location. I then contacted AMEX, told them the goods were delivered, and to remove the dispute from my account. However, I noticed in the following days that the charge did not reappear on my AMEX statement. I contacted AMEX multiple times over the following weeks regarding the original dispute. Each time I was assured by a representative that the merchant XXXX had been paid, that the dispute was marked as resolved and closed, and that the charge would appear on my next statement. 
On XXXX/XXXX/15 I received a notice from a collection agency stating that I am responsible for paying their agency {$3300.00} for an unpaid debt to XXXX. I contacted AMEX XXXX/XXXX/15 and spoke to a supervisor. This AMEX employee stated that AMEX never paid XXXX after I removed the dispute -- their error. 
The problem remains : Who should AMEX pay -- PODS or the collection agency, and who will pay the ever-increasing penalties?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am lodging a complaint against Midland Funding LLC XXXX XXXX, and XXXX as they are motioning for wage execution for a debt that I do not owe. I have explained to them that the debt was not mine, and they have not presented evidence to counter that. I have written to the court to dispute this, and they are still attempting to go forth with the motion despite my insistence on the fact that I did not make whatever purchases they are accusing me of, and are attempting to collect my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a recent collection notice requesting payment of {$80.00} for an alleged past due account with XXXX XXXX who I am a current, longstanding, good customer with. This is the XXXX time I have heard of this company Credit Protection Association, LP or this debt. I was never sent a notice of right to dispute nor have I previously been contacted by mail or telephone regarding this alleged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I call XX/XX/XXXX Thank you for calling us about transactions you did n't recognize on your account or card. Your claim number is XXXX. The bank says can not solve my problem. they told me they will be investigated but they did not do anything the fix the issue and some body was used my debit card many times in XXXX XXXX and also they withdraw money from my cheking account.

Company response to consumer: Closed with explanation