milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In XX/XX/XXXX I registered for a credit card from Home Depot, XXXX XXXX XXXX, XXXX XXXX, TX XXXX with purchases totaling {$5.00} to be paid when the credit card was received. When the credit arrived in XX/XX/XXXX. I made the {$5.00} payment by phone. They would only accept my Credit Union check ID #. No receipt, or confirmation # sent to me. I called to inquire about a receipt in XX/XX/XXXX and was told that I had a late payment of {$7.00} & that my check was not cashed because I left off XXXX XXXX in front my ID #. I was not notified because they claimed not to have my contact info. They did have my address. I gave them my ID # again with the XXXX XXXX. Meanwhile my Excellent credit report was affected & reduced, I called again in XX/XX/XXXXasking for a confirmation and was told that I now have a {$9.00} late fee because my bank would n't honor my check ID #. They never contacted me or my bank. I cancelled the Home Depot credit card. Today XX/XX/XXXX I received a letter, even though they said they had no contact info. for me, saying that I now owe a {$11.00} late fee. This time they asked for my debit card # which I did n't trust them to give. I went to Home Depot to pay cash and was told by customer service that " Citi Bank '' would have continued to increase late fees if I had n't come in to pay in cash. I received a receipt from the XXXX. store and had to call XXXX on the phone for a confirmation # and asked them not to bother me again. But tonight I went to the Home Depot web site and saw that they still say that I owe {$11.00}.

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 08/19/2015 about Debt collection (I do not know) with Goldstein, Cruise and Smith LLC (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At least 3 times daily I receive a phone call from this company 's number. The message I receive is following-This message is for XXXX we need to gather your statements and your attorney information. After 2 hours your claim will be turned over to litigation and attorney fees will be added to this collection, there is also recommendation to suspend your driving privileges for 180 days. I can not stress how important it is that you call us.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX and XXXX over XXXX fraudulent transactions totaling {$2100.00} posted to my American Express serve card. I reported the transactions to American Express immediately on XXXX XXXX. I submitted a claim and my card was closed down immediately. I filed a police report in XXXX on XXXX XXXX. American Express denied my claim, however there investigation was in completed and came to the wrong conclusion. They only investigated XXXX of the XXXX claims and reviewed XXXX transaction that I reported as nonFraudulent. They also did not consider the police investigation which is currently investigating the crime of id theft and grand larceny ongoing at XXXX police department ( XXXX preicident, case no. XXXX ). Furthmore American Express failed to consider that these transactions occurred in a different cityThan where I live and XXXX transactions at the same time at a gas station. Additional I was traveling in XXXX when these transactions occurred and could n't made these purchases. In summary American Express failed to investigate stolen money from my account and did n't investigate all the transactions or the correct transactions. They did not work with police investigating the crime and not supporting the police investigation. I would like my claim investigated and my stolen money returned and for American Express to work with police and examine the facts of the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing failed to keep a mitigation appointment with me by phone. I made an appointment to speak with my Relationship XXXX and have waited several days to receive a call which was scheduled for today at XXXX pm. No call came. Ocwen Loan Servicing is in violation of the CFPB settlement with CFPB. Ocwen Loan Servicing has no intention to attempt to mitigate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting phone calls from Dynamic Recovery Solutions. They call on my work phone from XXXX or XXXX but have a call back number of XXXX. 

I checked my credit report and there is no outstanding debt. I have a credit freeze on my account and notification services if there is a change in my credit score or rating. 

I am very suspicious of this company posing as a debt collector and not sure how to prevent fraudulent calls posing as debt collectors when I do not have any unpaid debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: I have disputed XXXX charges from Amazon with my Chase CR. This is going for since XX/XX/2016. I was very disappointed by the way I was tried by Chase repetitiveness. They where not welling to lesson to me and when I asked several ttimes to speak to a manage, no one called me back. The merchant have issued credit and acknowledge there mistake by sending me email saying that and will issue a credit to me next bill but chase Has not issued the credit. I call and I get hang up over and over again. I been with Chase Bank for many years and I spent thousands of droller every month I could not believe the way they behaving I do not under stand why. I have record of all communication regarding this matter and I will need what ever help I can get from you also to let other consumers know about the way Chase bank handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the hospital and was making {$50.00} a month payments. They agreed to accept this amount. I have been making these payments and they turned it over to collections wrongfully. I strongly refute this and request immediate removal from my credit report. Besides, why is there a medical bill charged against me on my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, XXXX and Transunion, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.

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 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX charged me for services that they said were free if I cancelled within 30 days. I cancelled inside the allotted time and now they are still trying to charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 10/25/2017 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My payments were origionally & routinely drafted from my checking account from XXXX of XXXX thru XXXX of XXXX by TransWorld Systems , Inc. Without any notice, my draft was discontinued in XXXX of XXXX. I have tried to contact both the US Dept of Education, my origional lender & the third party company listed as TransWorld Systems , Inc. The US Dept of Education tells me they no longer assist me becuase they do not service my loan any longer. I can not speak with anyone at TransWorld. Their automated system says they are not allowed to speak due to a retraining order placed by the US Court, Judge XXXX. So, my understanding is they can not accept payments while under a lawsuit. However, I am trying to obtain a FHA mortgage and I can not close until my payments are current & XXXX is cleared. 
I am in desperate need to get this resolved. The number I have for TransWorld is XXXX. I have left numerous messages with no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with U.S. BANCORP (NY).
Issue: Other fee

Complaint: XXXX credit cards that I paid off in full sent me a bill for interest after I paid off the balance. I called both companies and both of them just simply reversed the charge ( much to easily, in my opinion ). While that is all well and good, I ca n't help but wonder, how many people just pay that bill? It seems to me that this is somehow fraudulent or at the least a very sneaky way of getting money from unsuspecting consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a dispute in XXXX 2015 for an inaccurate 30 day late payment currently reflected on my TransUnion account for XXXX XXXX XXXX credit history report. My account inaccurately reflects a late payment for XXXX 2015. This inaccuracy occurred because of a fraudulent transaction The XXXX XXXX allow to occur with my credit card number in another State. The fraudulent transaction occurred in XXXX, 2015. This was investigated and correctly found by The XXXX XXXX as fraudulent. When I discovered and reported the fraudulent transaction, The XXXX XXXX closed my original account number and issued me a new account number. They transferred the old account statement, which appeared with a late payment for XXXX and XXXX 2015 as a result of the fraudulent transaction, and transferred it to my new account number. As a result of my dispute filed with TransUnion, I received a letter from them indicating the inaccuracy was corrected. However, the issue was not removed from my XXXX XXXX XXXX credit history report with TransUnion. I have continually disputed this issue with them, as well as continuously contacting The XXXX XXXX. TransUnion has continuously refused to update my XXXX XXXX credit history report to reflect no 30 day late payment for XXXX 2015. I have never made any late payments for my purchases with the XXXX XXXX and my credit report should accurately reflect this. For some reason, either TransUnion or XXXX XXXX XXXX refuse to correct my credit report. This has occurred because of a fraudulent transaction The XXXX XXXX allow to occur, which is now incorrectly reflected on my credit report. It now appears I do n't make payments on time. My account balance was/is XXXX when this fraudulent transaction occurred. I have filed other disputes with TransUnion since the original dispute and none of them have resolved this issue. I take my credit report very seriously and have no late payments on my credit report other this inaccuracy that my disputes seem unable to resolve. I would recommend to anyone who experiences an issue like this with The XXXX XXXX to not allow them to open a new account for you until they resolve the issue and it no longer appears on your credit report with any of the XXXX major credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (MS).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Performance Slc mislead me on helping me with my student loan and now there trying to take my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2017 about Debt collection (Auto debt) with The Regional Adjustment Bureau, Incorporated (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I requested verification of a debt owed to XXXX XXXX XXXX via the Regional Adjustment Bureau and received papers that have been fraudulently signed by someone other than myself and one of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of XXXX shows a total due of {$0.00}

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.

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 07/28/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company XXXX XXXX XXXX. I told them that the debt was paid in full. XXXX XXXX XXXX asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by Pendric Capital. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with Van Ru Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a collection beacuse I have not paid to   XXXX   XXXX   and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the letter from  XXXX   XXXX , which is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost  four  times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   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 non-monetary relief
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding previous case number #  XXXX . Please provide method of verification. I am requesting the Name, Address, and  Telephone num ber of the person validating the alleged item from creditor   XXXX   XXXX   University. I am requesting a copy of the original document or contract showing my name and signature for the alleged item. If the request can not be produced- please  Delete and Remove the item showing in my credit report from   XXXX   XXXX   XXXX  .The   reporting should be accurate and correct per FCRA.   Thanks ...

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 01/24/2016 about Student loan (Non-federal student loan) with Genesis Lending (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX in XXXX, N.J. ( XXXX XXXX , XXXX ) in 2012. I was talked into taking out a Genesis to attend the XXXX-owned school. I was promised an education in XXXX that would get me a good job in the market.They used illegal tactics to induced me into taking out a private loan with Genesis to continue my education at the school. Their was threats and pressure to pay before the course was completed. What do I need to do to get my money returned from Genesis. The total cost for the course was {$17000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation