milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I email this company with a settlement offer, they accepted gave me a due date, but would not email me a copy of the offer. I told them that the other charges from the apartment was not valid and not my responsibility, I have pictures to prove the carpet was not damaged, the carpet had a odor and roaches noticed after I moved in, did not notice the first day because they had the air conditioning on, which was odd, since it was vacant. The same apartment which is now out of business has done this to many tenants based upon their previous reviews and complaints with the BBB. They also said that I did not leave a deposit, I left a deposit and a pet deposit. I was told that I signed a lease that said I did not pay a deposit, that had to be the renewal, because unless altered the first lease showed the deposits. The Company has done a lot of illegal things. Maybe the reason no longer in business. They are asking me for {$820.00} after giving proper notice and paying {$950.00}.

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 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MS).
Issue: Fraud or scam

Complaint: Rush card took what money I had left. No deposit is showing. I know it goes in today. No answers from the company. I need my money now.

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

Complaint: Equifax failed to protect my data and the data of millions of others around the world. The one consolation for all was supposed to be a free TrustedId membership. I want to inquire as to why the technical issues with that site have not been fixed, and what the expected timeframe is for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: they have kept dispute ongoing for more tan 14 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in 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 02-04-2018 about Debt collection (Credit card debt) with Stephen Einstein & Associates, P.C. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am enrolled in a debt program since XX/XX/XXXX with the office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, New York Phone # XXXX. They have handled and settled all of my credit card debts with only the smallest one remaining. They reached a settlement with XXXX XXXX XXXX who was collecting the debt. The proposal was in the amount of {$1200.00} in XX/XX/XXXX. The original balance owed which included interest and late fees was {$3000.00}. There were to be three installment payments starting in XX/XX/XXXX through XX/XX/XXXX being the final payment. Apparently, I believe XXXX 's office did make any payments to XXXX XXXX XXXX which in turn they sold the debt to XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX indicating I owe Stephen Einstein & Associates {$3000.00}. I immediately sent them a letter on XX/XX/XXXX explaining all correspondence needed to be sent to XXXX XXXX XXXX 's office since I was enrolled in a National Debt Relief program. I also notified XXXX 's office as well. Whenever I would follow up with XXXX  office to see if they reached a settlement I was told they could need get in touch with Stephen Einstein 's office. They said they sent a Power of Attorney and were waiting for a response. Finally, I tried to call Stephen Einstein 's office and after several unsuccessful attempts I reached a receptionist who connected me to a XXXX XXXX XXXX at ext. XXXX who said he was the person handling my account. I told him I wanted to settle this matter as soon as possible. And I sent a letter by certified mail explaining I wanted to settle.He told me to let XXXX 's office know he was handling it and he would also contact them. I spoke with him on XX/XX/XXXX. A week later I received a complaint on XX/XX/XXXX that I was being sued by Stephen Einstein & Associates in amount of {$3100.00} which now include a filing fee charge {$75.00} plus {$7.00} service fee. Now I have to respond to this complaint before XX/XX/XXXX. XXXX XXXX XXXX 's office did not protect my interests and are not doing anything to resolve this matter quickly. They are charging me an additional {$200.00} to answer the complaint. Again I have made several attempts to have this matter settled and Stephen EinsteiXXXX 's office is not complying with my requests. 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 10/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Advertising and marketing

Complaint: Used the PayPal interest free for 6 months option. I paid my balance in full on the purchase I used it for within the 6 month promotion. I have gotten XXXX statements on the interest and late fees that were incurred during the 6 month promotion. I am now in collections for the fees and late payments that should have never been applied according to the promotion of 6 months deferred payment with no interest. 
There is already a lawsuit settled from PayPal regarding this exact issue and the customer service representatives will not correct problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not at all.

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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: About two years ago, i reported information about an account that had been paid in full. I submitted my check showing the amount was paid. The CRA were reporting it in XXXX places. Once as XXXX XXXX and then as XXXX. The payoff was made to XXXX which brought out XXXX XXXX. This negative information was taken off. I applied for a car loan and rec 'd approval for 12 %. knowing that can not be right, I checked my credit report only to find that XXXX XXXX and XXXX had reinserted the information again for the same XXXX debt with a deletion date of XXXX but a recent reporting date of XX/XX/2013. In order to be clever to say they complied with FRCA, they put down that it was disputed. Since the debt appears twice, which one is disputed and since I proved that is not owed, why did they put it in my report again? CRA says I can not sipute agin becuase it has been investigated once before. Holy cow-are they just that stupid or just corrupt. This is a nightmare phantom bill that will not go away unless I decide to sue which is becoming more likely. can you get an answer for these people on why they put that information BACK on my credit report with an obvioulsy false reporting date to make it look recent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: 1 ) Navient failed to update my credit report in timely manner 2+ months 2 ) Interest is unfairly accumulated, even with pending payments. Interests is added daily, and it takes several days for a payment to go through. Ex. A loan payment submitted on Monday for the full pay off amount, will not cover the entire balance by the time the payment is processed, resulting in still owing more money on the account that had a payment posted to settle the entire balance. Should it not be compiled at the ends of each month?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: I have a direct withdrawal set up for my credit card payments. The bank did not take out XXXX payments ( which I had accounted for ). They claim they sent me mail to let me know that I needed to renew my agreement, which XXXX employees of Chase verified were returned to them, as they have the wrong address for me ( a computer glitch that lists an apartment number incorrectly, WHICH I HAVE CALLED TO CORRECT BEFORE! ). However, when forwarded to XXXX XXXX, Supervisor of Customer Services for Credit Cards @ Chase Bank in XXXX XXXX, TX, he claimed he could see the returned mail, but he would not count it as the date of return was not logged in on the computer on his end, so the missed payments would continue to be reported. This was CLEARLY a mistake on their end, and has been verified by XXXX of their employees, including XXXX ( Emp. I.D . # XXXX ), but he simply refused to correct it on their end, and refused to allow me to speak with anyone above him who could correct it. This error on their part has caused my credit rating to drop more than XXXX points in less than a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Thursday XXXX XXXX I logged on the XXXX website to see If my personal data had been involved in the hacker security breach. Clicking the " Check Potential Impact '' button automatically enrolled me in TrustedID XXXX. I was not given any option to decline this service and I did not agree to this. I do not want this service.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have submitted XXXX complaints : XXXX and XXXX. 
XXXX and XXXX have now given Transworld Systems Inc. account to placein collection. STOP. I paid XXXX over {$36000.00} on my student loan. 
Original loan amount {$45000.00}. XXXX defaulted the entire loan at {$43000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer station my location and area operation.

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
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debt collection letter on XXXX XXXX from a debt collector by the name of Weltman , Weinberg & Reis claiming the I owed {$8000.00}. I sent this debt collector a certified validation letter on XXXX XXXX, however I was also served with a summon and complaint from this collector of which I answer the summons denying all claims of owning this debt. This debt collector ignored and refused to give me solid proof that this debt was mine. They continued to collect on this debt by filing a motion for a default judgement. I received a letter from the courts stating that the motion for a default judgement for the plaintiff was denied and that the matter was dismissed without prejudice. I did not hear anymore concerning this matter until a week ago when my wages was garnished resulting from this debt. This debt collector never validated this debt, they ignored my validation letter, and continued to aggressively pursue a debt that was not validated, and I feel this was a deliberate violation of the fair credit debt collection act. I am filing this complaint because they have violated the fair credit debt collection act with their false credit schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please have experian update my credit report on Docket number XXXX from satisfied to vacated enclosed is a signed agreement to vacate from plaintiff attorney

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Ive sent a {$46000.00} wire from my GDAX account to my bank account the day before XX/XX/XXXX. It was supposed to be processed by the XX/XX/XXXX. It still hasnt came in and Coinbases support is nonexistent. Ive sent wires after this one because of my accounts limits. Those wires have went through.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with UNITED MORTGAGE CORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am working with United Mortgage for more than seven months to get my payment lower, for far the same papers that i have been submitting they are asking for again and this is how its been for the pass seven months.I have fax these papers over and over and to my surprise they keep requesting the same items. I am trying to explain to the mortgage company that my bank statement with XXXX XXXX is now XXXX, I feel the mortgage company is looking for a way to take my home not to help me keep it. I have come to understand the bank looks for ways to take your home not to work with you to save it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation