milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Express sued me over a credit card debt that was from XX/XX/XXXX and won a judgement against me in XX/XX/XXXX. I filed Bankruptcy in XX/XX/XXXX and was dismissed in XX/XX/XXXX. The problem I have is when I called American Express to get the statements from them they told me they can not provide them to me for court. They refuse to issue me any statements at all so I could properly defend myself in court. I wanted to defend myself in court to prove that American Express wrongly double, triple and quadruple charged me for the same charge. For example, If i stayed in a hotel for {$150.00}, and asked American Express to move over into their monthly payment plan program, or I moved it over they would charge me up to {$150.00}, {$150.00}, {$150.00}, {$150.00}. I have repeatedly complain to American Express about this and they would fix it XXXX month and then the next month it would be back on the statement. The American Express bills would reflect exactly what I am describing. So when I went to court American Express refused to send me those statements so I could prove this in court. I asked the attorneys who sued me on behalf of American Express for proof that I owe this money and they could n't produce any statements. When my attorney asked American Express in court to prove that I owe these charges with statements they could not prove it in court. They still won in court a judgement for money I do n't even know, I had a professional accountant look at the statements and revealed that I over paid American Express by {$5000.00}. Now my wages are being garnished {$1500.00} a month to pay a credit card I do n't even owe. I sent a copy of this complaint to the XXXX Attorney General as well XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. 

ON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. 

I CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. 

XXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. 

ON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. 

XX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. 

LAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! 

XXXX THRU NETSPEND

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Integrated Recovery Services (OH).
Issue: Struggling to pay your loan

Complaint: I received a phone call saying if I did n't give her my debit card number and a payment plan there would be a warrant out for my arrest. She was threatening and very rude. Would not try to work with me on payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NE).
Issue: Taking out the loan or lease

Complaint: Consumer attempted to finance a vehicle through a dealership that faxed the application to American Credit Acceptance finance company XXXX XXXX 2015. American Credit Acceptance finance company sent back a denial letter ( consumer has copies consumer is attaching to South Carolina 's Attorney General 's complaint form ) dated XXXX XXXX 2015 stating that consumer was NOT eligible to receive financing from American Credit Acceptance, LLC., due to consumer 's negative credit rating. Consumer received a Notice Of Right to Cure letter ( dated XXXX XXXX 2015 ) from American Credit Acceptance stating that consumer has until XXXX XXXX, 2015 to send payment of {$1100.00} on an account consumer was denied ( in writing ) and does not owe. Consumer was sent the fraudulent demand letter by US Mail ( certified return receipt ) which constitutes 'mail fraud ' and is indicative of 'extortion ' under South Carolina 's Code of Laws ( Section XXXX ) and Attorney General XXXX XXXX XXXX Office who has requested a formal complaint be filed by consumer along with evidence accompanying the complaint form as these types of fraudulent practices harms the general public. In an administrative process to begin a formal lawsuit against American Credit Acceptance finance company, consumer is documenting this complaint to attach to the complaint consumer is filing with the South Carolina Attorney General 's Office. Consumer will NOT pay American Credit Acceptance anything as consumer will not engage in extortion on ANY level. Consumer wishes to thank CFPB for providing this venue of mediation and documentation as it is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been disputing this account repeatedly with documentation showing this account does not belong to me. I received notice from Equifax dated XXXX/XXXX/15 under dispute # XXXX stating that the disputed account no longer appeared on my report. I checked my credit file today, XX/XX/2015- and the account is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo Home Mortgage ( WFHM ) originated the mortgage on my primary residence in XX/XX/XXXX which it sold to XXXX XXXX without any informing me, which is the current note holder. WFHM only services the loan now. Several requests for loan modification to WFHM have been denied since XX/XX/XXXX. I had to file Ch XXXX bankruptcy in XX/XX/XXXX to prevent foreclosure and made another request for loan modification which was also denied. This forced me to convert to Ch XXXX bankruptcy in XX/XX/XXXX. Finally on XX/XX/XXXX, I received a discharge, which included discharge of the mortgage debt. To satisfy the mortgage, I have initiated a short sale process by submitting an offer to WFHM on XX/XX/XXXX. 

Simultaneously, on XX/XX/XXXX, the law firm, XXXX XXXX, representing WFHM & XXXX has sent me a Notice of Foreclosure sale scheduling an auction sale on XX/XX/XXXX. This notice was received by me on XX/XX/XXXX. This is absolutely inappropriate when I have made a short sale offer to WFHM. My lawyer is in contact with the law firm to stop foreclosure so that the short sale process can proceed. 

I have contacted my Home Preservation specialist at WFHM today regarding this issue. She has assured me that this issue has been forwarded to the appropriate Liquidation department which will address it in the next few days and get back to me. But in the meantime, I have decided to file this complaint to make sure that the foreclosure is cancelled and my short sale offer approval process moves forward without any further delay.

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 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I notified by written letter from XXXX XXXX, ( Senior Specialist ) of XXXX XXXX that the Lowes account was not mine and that they was the ones that add me as an authorize user, and that I will be refund {$1800.00} for payments made after the XXXX of the card holder and after many fail attempts phone calls I contacted ( XXXX XXXX on XX/XX/XXXX at XXXX XXXX. ) now am being told I have to show proof of payments. When stated in the letter on XX/XX/XXXX that {$1800.00} was made after his XXXX. In which I fax all these proof of documents over to CFPB on 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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There are multiple inaccuracies on my credit report. My report should have a freeze on it and equifax is still allowing inquiries to go through without my permission. I have 20 fradulent inquiries all while there is supposed to be a 7 year freeze. The second issue is that I resolved with a creditor an account for XXXX/XXXX XXXX  for it to reflect as settled in full ans I provided this letter from the creditor to Equifax and they have refused to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Had Fraud on my checking account for a couple of months that caused my payment to JCP to be  returned and late in the amount of {$160.00}. I submitted the documents to XXXX XXXX, spoke to them on the phone and all I continue to get is letters in the mail that does not resolve my issue. They waived the late fee and stated that since it was a bank issue do to fraud that they would remove the 30 days late. It still appears as 30 days late on my credit report and I have been denied credit numerous times because of it. I am asking that they remove the 30 day late marker on all 3 of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have filed numerous CFPB complaints since XXXX of this year about XXXX XXXX Card and Experian 's reporting of it, yet false reporting on my Experian credit report continues. Specifically, there are XXXX XXXX XXXX XXXX previous CFPB complaints about XXXX Bank XXXX # XXXX ; # XXXX ; # XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX previous complaints about Experian XXXX # XXXX ; # XXXX ; XXXX ), for a total of XXXX XXXX XXXX XXXX, separate previous complaints about XXXX them since XXXX of this year. 

Why has the CFPB allowed the false reporting on my Experian report to continue? 

On an Experian credit report for me dated XX/XX/XXXX ( report # XXXX XXXX, XXXX malignant refuse is scattered throughout the report. On page XXXX, a charge off from XXXX XXXX is shown in XXXX of this year. Yet, again, on page XXXX of the same report, XXXX XXXX 's dirty litter remains on my credit report, when it is shown that it received a copy of my report on XX/XX/XXXX 

In view of the systemic, wanton lying on the part of XXXX XXXX, XXXX Bank and Experian, as documented in XXXX complaints now, I ask the CFPB to sanction all XXXX of these bad actors in the credit, credit reporting, and financial services industries. 

All XXXX of these institutions should be shut down immediately, all of their receipts should go to a special master and they should all be fined heavily for their wanton violation of fair credit reporting laws. 

All reference whatsoever to XXXX XXXX in my credit report should be eliminated once and for all, and all sewage streams that continue to try to dump refuse about it into my report should be permanently XXXX and denied any further access to my report. 

Experian should be fined daily, with exponentially increasing amounts, for its failure to implement these corrections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Hi I took a car loan for a XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX XXXX, now ( XXXX XXXX ), back in XX/XX/XXXX. The vehicle was financed by TD Auto Finance Company. The duration of the loan was for five years, up until XX/XX/XXXX. 

I 've paid the entire loan amount including principle and interest to the sum of {$19000.00}, back in XX/XX/XXXX ; expecting the finance company to mail me my original title. They sent me a lien release letter stating that the vehicle was paid off. I waited over ninety day 's for the title but it never came. 

I contacted the finance company : they directed me to Virginia department of motor vehicle ; DMV told me they never received any title for the vehicle and should contact the dealership ; dealership referred me to TD Auto Finance. I 've been tossed around like a football the past six months, and efforts to get my title from the finance company has been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These items do not belong to me and need to be remove from my file. Attach you will find a copy of items and my police report

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: My account was overdrawn this week. That evening, I received an email from bank stating that I could incur charges on day 7 of being overdrawn. I made a cash deposit the next day. I then found out that they had already deducted {$100.00} in fees. They then began charging my account for several subsequent transactions which they claim put my account into a negative balance, totalling {$210.00}. One of the fees charged was for the institution 's own $ XXXX monthly fee. I was unable to rectify the problem at my local branch or at the help phone number.

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 02-05-2017 about Debt collection (I do not know) with Clay Chapman Iwamura Pulice & Nervell (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A letter from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector conveys in its letter that XXXX XXXX XXXX, XXXX XXXX ( " XXXX '' ) is a servicer. The tort Is that XXXX has XXXX standing to foreclose according to the definition of " creditor '' in the Fair Debt Collection Practices Act ( FDCPA '' ). 
Go to the XXXX Attachment. 
Approximately two weeks later, a XXXX XXXX XXXX from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector, conveys in a letter that SHE has been retained by XXXX, and XXXX is not listed as a servicer as the First Attachment conveyed, but as a Creditor in the Third Attachment. 
Go to Third Attachment.

Company response to consumer: Untimely response
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with AFNI INC. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX account listed on my TransUnion credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. The other credit bureaus show the correct information and XXXX company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. I already submitted a CFPB complaint ( # XXXX ) and it was corrected by TransUnion ; then on XXXX/XXXX/15 it again shows as late. This account needs to be corrected again asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief