milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This  Compliant is being sent to Portfolio Recovery Associate  credit in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices  Act, 15 USC 1692g Sec. 809 ( 8 ). I  NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,   XXXX   and   XXXX    )  this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had XXXX installed as a precaution due to my XXXX, so that when I have a XXXX XXXX I can press my necklace signaling the paramedics. We bought a house and decided to move the system with us. After we moved there were several occasions where my husband and I were called about a burglar alarm, fire alarms and other instances of the alarm being tripped. I would call in several times to speak to someone about the issues because when I would race home, thinking my daughter or mother was in danger ... .everything would be fine. Upon finally reaching someone with XXXX who could pull up my account, they stated that the previous address we moved from was still active and that there was n't much they could do about it. It was too much work to de-activate every sensor in the house. I asked to speak to several different people until they finally agreed to go through and de-activate each sensor. They refused to give me my money back for the 3-4 months the false alarms were going off at the previous residence we lived at. I asked to cancel their services and they refused during our last conversation over the phone. Since that call, I 've been in and out of the country for work and my bank account was hacked and shut off due to the security breach. I 'm still in the process of switching all my automatic bills and such over to the new account. Then I receive a letter from Omega RMS , LLC, a collection agency hired to collect the remaining balance of my contract which is {$760.00}. I spoke with them and they are asking the full amount regardless of the horrible service XXXX has delivered. No one will help me fix the issues because they know we are extremely distraught with their so called security systems and are now demanding we pay the full amount of the contract, even though they did anything but provide security for me and my family. I just wanted to feel safe in my house and I do not with their system not operating to the full extent that we originally agreed on. There should be some sort of clause in that contract that if the security system is defaulting, no charges should be made to the customer otherwise, why should I even have it? If it 's not going to work all the time, what am I paying for? There was no urgency to resolve the issue, when in fact if anything would of been on fire, a emergency medical situation arose or we had been burglarized ; my attorney would of come after them with flying colors due to the issues they would not correct or even take responsibility for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FLAGSTAR BANK, FSB (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way.
Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX  Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year.
These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, 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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified  two  open a  New  Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  XXXX  homes of ID  XXXX  Times and Usually no response or they Send a Credit report has nothing  two  do with why all Applications are Denied Why Cant i respond two  XXXX  I cant Get a New Bank account in 3 years and the Credit burrow only Respond yo u may ha ve been a victim Of Fraud.

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 02-07-2018 about Debt collection (Other debt) with Rickart Collection Systems, Inc. (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Rickart Collection System placed this debt of {$5100.00} on my credit report on XX/XX/2016. I have never opened an account with this company, nor XXXX XXXX. I have been applying for apartments for me and my soon to be born first child and by this appearing on my credit report I have been constantly denied. Someone must have used my name and created an account of their own because I have never had an account with this company, because this is the first time I have been on my own seeking for a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCA Collections, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.

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 09/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY ().
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is an account that continues to report on my credit file from XXXX acct # XXXX and XXXX # XXXX also known as XXXX # XXXX after this acct has been established with the other credit bureaus and the companies to be fraudulent ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After several phone calls, letters and disputes the fraudulent inquires on my credit report remain. Please see the inquires below in question. I am not sure how this is able to happens since there is a credit freeze and fraud alert on my credit report. No one should be able to pull my report. 



XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 09-01-2015 about Debt collection (Credit card) with Nationwide Debt Management Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service ((CD) Certificate of deposit) with NETSPEND CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I put {$100.00}. on my card, they took XXXX, left with XXXX, I order something for XXXX, when I checked my card I had XXXX left, Please explain

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.

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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Date : XX/XX/2018 Minimum amount due : {$49.00} Date of attempted payment processing : XX/XX/2018 XXXX PST ( XXXX CT ) Hello There, I'm writing to file a complaint about XXXX XXXX XXXX   `` Cardmember Services ''. Today at XXXX PST I attempted to process my minimum amount due of {$49.00} and XXXX XXXX XXXX refused to process my payment on today 's date of XX/XX/2018. 

Alternatively they decided to process my minimum payment for tomorrow 's date of XX/XX/2018, which of course -- incurs a late fee. Tucked neatly away into XXXX 's literature the consumer is expected to make a payment before XXXX Kansas time on the date of their minimum due. 

I find this business practice to be unethical, misleading, and opportunistic. The whole of Western Civilization has decided that 'a day ' is over after midnight. I find it fascinating that XXXX reserves the right to decide when the day is over. Most people in Arizona aren't even off of work by the time XXXX decides to cut off receiving payments. 

Naturally, Cardmember Services ( XXXX ) knows this business practice will ultimately yield more profit at the expense of the consumer given the inconvenience it causes. 

I'd like to hear back from somebody explaining to me why this sort predatory rule is allowed to exist in a financial institutions literature.

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