milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with 2288984 Ontario Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the XXXX  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the XXXX XXXX a documentation must be provided. You as a company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections XXXX not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: I opened a XXXX XXXX credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX  XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I have had a credit card account with American Express for over 10 years, never missed a payment and for the last 3 years plus had a XXXX balance but maintained an available balance of {$8000.00}. On XXXX XXXX, 2016 I had a Family emergency ( in another state ) that required immediate need for financial intervention. On the morning of XXXX/XXXX/2016 I called American Express and confirmed with their customer service I had an {$8000.00} available credit and a XXXX balance. I went ahead and proceeded to use my American Express card to address my emergency situation that same day. I used the card to secure a {$3000.00} retainer for an Attorney ( due to a family member XXXX ) and then attempted to use the card to post XXXX with a XXXX XXXX XXXX ( to secure release of my XXXX member ). The XXXX XXXX XXXX kept getting a " rejected '' notice on my American Express card. The XXXX XXXX re-submitted for payment several times over next several hours. I began calling American Express to investigate and rectify the situation. My frantic calls to AE were transferred multiple times and I was eventually informed to contact AE 's Fraud prevention/monitoring department. AE 's fraud people informed the " denials '' were an attempt to insure the fraud prevention ; it was a " security/fraud matter '' to screen for unsolicited charges. I gave my approval to AE to authorize payment immediately to the specified XXXX XXXX XXXX. After numerous attempts to make payment through my AE card failed. I then used another card for this matter BUT - it was to late and my family member was required to spend the night in jail and be processed out the next morning. 
Please be aware, I later made contact with AE to voice my complaint, anger and objection about this issue on several occasions in XXXX and XXXX 2016. I was eventually told, coincidentally, ON THE SAME DAY of my need for use of the available balance on my American Express Card ( XXXX XXXX, 2016 ), AE lowered my available balance from {$8000.00} to {$3100.00} - I had received NO Notice of this reduction ( remember earlier in the same day I was told of my available {$8000.00} ). Therefore the charge of the Attorney 's retainer had left nothing available for the charge of the XXXX XXXX service ( my family member was XXXX ). " Coincidentally '' I received in the mail in XXXX 2016, a notice of " lowered credit limit '' to {$3100.00}, dated XXXX XXXX, 2016. 
I have yet to receive any further contact from American Express about my complaint to the company on this whole situation. Therefore I 'm appealing to CFPB to move this forward, In addition I am hopeful CFPB can make the public aware of the continued actions of corporations, like American Express that put profits before people ; and the consequences that affect people 's lives. 
I look forward to your assistance and response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The address under Experian on my XXXX credit report has been reported as a new address which is incorrect Experian has also filed a Collections for {$6700.00} under a company called : XXXX XXXX XXXX, whose telephone # is:XXXX. This collections was deleted from my report when a company called : XXXX XXXX agency was filing for collections on the same debt that the apartment that I was forced to leave because someone tried to break into my bedroom window while I was in the bedroom. I rented the apartment with my daughter. The apartment security gates were always broken leaving the complex available to all kinds of undesireables free access. I filed a police report, # : XXXX. Now this different Collections agency as named above is trying to collect through Experian We also felt really insecure in the apartment, and were afraid for our lives!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was a apartment complex called XXXX XXXX XXXX in which I did not receive a bill. I was expecting my deposit returned of {$350.00} but instead they say I owe around {$100.00} that now shows up on my credit report under a collection company called Hunter Warfield. I have sent a letter to XXXX XXXX XXXX either asking for my refund of a detail receipt of the bill in question. I have receive nothing from the company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. 

I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Other

Complaint: CitiBank closed my credit card saying that they have the right to do so without any reason. When they closed my account i have a credit balance with them of {$5300.00}. I have called them on XXXX XXXX, 2015 to direct deposit and have followed up almost everyday. They said it would only take 2 to 3 business days. 
I understand they might have issue of proving if my payment is valid and it might bounce back. I have no other way to get the my money by using my account cause it is closed. All i ask is for them to send me back my money. I am attaching the receipt of payments i did from XXXX using check free pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Home equity loan or line of credit) with Partners for Payment Relief (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I am hereby requesting your attention and assistance in resolving the conflicting issues on the second mortgage as depicted in the sequence of events listed below. We have been contacted with overlapping claims from several companies on the second mortgage ( HELOC ). 
Chronological sequence of events : 1. Acquired mortgage from XXXX XXXX on XXXX XXXX. 
2. XXXX XXXX XXXX sold the first and second mortgage to XXXX. 
3. XXXX XXXX,, XXXX XXXX sold the first mortgage to XXXX who then transferred loan servicing to XXXX XXXX. The first mortgage was restructured and continues to be serviced by XXXX XXXX. XXXX retained the second mortgage ( HELOC ). 
4. XXXX XXXX, XXXX The HELOC was discharged according to my credit report. 
5. XXXX XXXX, XXXX XXXX sent " offer to satisfy '' letter for the HELOC. 
6. XXXX, XXXX XXXX filed for Chapter XXXX. 
7. XXXX XXXX, XXXX XXXX sold the HELOC to XXXX for servicing as a result of the Chapter XXXX. 
8. XXXX XXXX, XXXX XXXX letter informed me that the HELOC was " charged off '' according to records acquired from XXXX. 
9. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to XXXX. 
10. XXXX XXXX, XXXX XXXX assigns Power of Attorney to XXXX. XXXX XXXX, XXXX XXXX transfers servicing to XXXX XXXX XXXX XXXX, XXXX. Shortly after, XXXX XXXX XXXX XXXX, XXXX transfers servicing to XXXX. 
11. XXXX XXXX, XXXX XXXX issues an Assignment of Mortgage to Partners for Payment Relief. 
12. XXXX XXXX Our attorney send a letter to the attorney representing Partners for Payment Relief in an attempt to reach a settlement, although the last payment on the XXXX, XXXX XXXX, is past the 6 years Statutes of Limitations. Our attorney reached again in XXXX XXXX. No formal response has been received from Partners for Payment Relief to this date. 
13. Our attorney is formulating a legal Quit Title in order to clear the clouded title as a result of the second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX2017 I received alerts that there were 38 changes to my credit report. All were deletions. And my credit score was 0! I reached out to Equifax and spoke with a representative who stated that was true and he could n't tell me what exactly had happened because he could only see the current information not anything from the past, but my report was wiped clean! I asked to speak with a U.S. representative and after being on old for over an hour she came back to the line stating that my credit file had been " split '' but someone has corrected it and she 'll send me the update by mail! She also stated that she could tell me why or what had happened to cause this. After I ended the call, I went online to Equifax and pulled my report noticing that NUMEROUS accounts had been reinserted to my file along with inquiries! These were accounts that were deleted years prior and the last reporting date reflected that also! I went from having 2 collection accounts to having 5. I went from 4 inquiries to over 20!! I immediately called back in to have this rectified and was told the only way I could was if I had proof that they were not there prior!! As if I would have mailings from 3yrs ago showing the deletions! Due to me pulling my report EVERYDAY because I 'm starting the home buying process, I know for a FACT they were not there. I was offered no help or solution for an issue they caused! I know my rights and I also know that they can not reinsert an account with giving notice. This was n't done by the company it was done by EQUIFAX! The only collection account I should have is XXXX XXXX XXXX! The inquiries that were not there prior are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction problem

Complaint: Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with ABR Recovery Services LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is reporting on my credit report a collection account that is not mine and/or invalid. The Representative from XXXX harassed me numerous times and threatened to ruin my credit by reporting this account to my credit if I dont pay, even after I explained to her it wasnt mine. 
It seems they are following through with their threat. After my previous complaint they stopped contacting me but still reported this to my credit report. 
I would like XXXX to remove negative reporting from my credit report immediately ; also I would like to be Included in any legal action CFPB XXXX take against XXXX now or in the Future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NE).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I 'm trying to open an account with XXXX and fund it with my Capital One XXXX account. XXXX stated online that Capital One is blocking my ability to use external applications to access my financial data therefore I can not open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with Continental Finance Company, LLC (IN).
Issue: Arbitration

Complaint: A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.

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
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with Merchants' Credit Guide Company (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by  Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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: Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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