milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with ERC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple incorrect and unauthorized credit inquires 1. ) Capital one XX/XX/XXXX 2. ) Capital one XX/XX/XXXX 3. ) Capital one XX/XX/XXXX 4. ) Capital one XX/XX/XXXX 5. ) XXXX XXXX   XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX /XXXX XXXX XX/XX/XXXX 10. ) XXXX/ XXXX XXXX XX/XX/XXXX 11. ) XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had closed my XXXX credit card down due not only an error they made with taking a payment out of my bank account to add to my secured credit card with a value of {$300.00}. When I tried to call to talk about their huge mistake a female customer service agent was less than professional and I said cancel card. At time, as I put {$250.00} down payment, the card had nothing owed, it was caught up to date. However, XXXX illegally sold the account to MCM MIDLAND debt collector who called me constantly and harassed me. I tried to discuss issue with MDLAND XXXX, XXXX credit reporting companies, and XXXX, XXXX XXXX, XXXX and many attempts by me were made for four years to prove my innocence. Enclosed you will find a letter dated in XXXX 2016 where MCM MIDLAND refused to even go over my situation yet again. But, in XXXX 2016, a letter was sent to the XXXX credit reporting companies that stated after 4 years of not XXXX company sending me proof of debt, that they needed to remove them as of identtity theft issues as well. Then as you see all of a sudden after 4 years MCM MIDLAND writes a letter XXXX 2016 saying that XXXX recalled card I actually owe nothing at all, as I tried for four years to prove to both companies and reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: several years ago I was victim in a car accident in which i had XXXX. However, the Lawyers that I had working on my case had conducted a sham job, from one day to the next the medical bills were not paid and and bill increased i had went to therapy and was getting charged for thing that were not performed, per the the Law firm and the attorney on the case stated they were paid. Once I revealed what they were doing on my case, the lawyer secretly summons a petition to have them removed from the case these bills were intended to be paid as the lawyers stated they were

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account with CitiBank. I opened it online using their website and a promotion code that the system accepted ( and which I verified via phone after the account was created and was told that they saw the promotion on the account and once I completed the requirements would receive the miles ) which promised me XXXX XXXX XXXX upon completing the requirements. 

I subsequently completed all of the requirements within the prescribed timeframe - direct deposit, visa debit card purchases, and having a Citi XXXX XXXX XXXX card. I was told by a customer care rep that I had completed all of the requirements as well. 

Now Citi is trying to say that I was n't " approved '' for the promotion and they are trying to back out of giving the me miles I was promised. 

I tried hard to resolve this with them, but to no avail, and as such I feel this is my last resort. 

I am not the type of person to file complaints, and this is my first time here. Unfortunately I feel like I have no other choice now. My husband actually opened the same type of account under the exact same conditions ( with the same promotion code ) and was also originally denied by citibank for the same reason - but they eventually understood that they owed him the miles as he completed their promotion ( just as I did ) and they deposited the miles into his AA frequent flyer account. 

I am asking for your help as I feel that I was duped into a bait-and-switch and they are just trying to get customers by making false promises hoping that we will not advocate for ourselves. 

I have noticed through some online research that Citi is becoming quite proficient at this type of bait-and-switch routine as there are many others in the exact same boat as me. I feel they need to be held accountable for their actions. 

Quite simply, if they do n't want to honor promotions, they simply should n't allow those promotions to be entered into their website. They accepted the promotion code I entered, explained what needed to be accomplished to receive the miles, I accomplished those tasks and fulfilled their requirements - and now they should do what they promised they would. 

Thank you for your time, and please do n't hesitate to contact me about this issue.

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 05/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Arbitration

Complaint: American Express Blue Preferred Cash back Credit Card promised me a {$200.00} bonus if I spent {$1000.00} on their card. They will not give me my bonus. I have complained, and their response is that I had a card previously and that disqualifies me for a bonus. That point was not in the terms of the card agreement that I read online. They mailed me a card agreement for a different offer and tried to pass it off as my credit card offer. They stated that they are reviewing my case, but no one will contact me. I made the requisite charges, I should get the bonus. They easily could have told me I would not get the bonus when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances. XXXX and XXXX XXXX are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Hello. 

Company involved here is my XXXX XXXX. 

I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. 

XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. 

I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I set up automatic payments ( " autopay '' ) for my two Bank of America credit card accounts ending in XXXX and XXXX, respectively, on XX/XX/XXXX. However, the autopay setting for the account ending in XXXX was erroneously removed and since this is completely without my knowledge or consent, it was until XX/XX/XXXX when I logged in to online banking that I noticed the account ending in XXXX had already been two months past due. It should also be noted that Bank of America did not exercise due diligence to inform me of any missed payments where other banks would send notifications via emails, phone calls or text messages ( XXXX XXXX and XXXX XXXX are just some examples ). I'm also attaching the screenshots from when I added the autopay settings as evidentiary support. I immediately scheduled an online payment to keep my account up-to-date and called customer service to inform them of such situation and to request : a ) Removal of this account 's delinquency from my credit reports ; b ) Reversal of the late fees assessed against my account. Unfortunately, even after escalating this request Bank of America still failed to resolve this issue satisfactorily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid XXXX $ for a credit report. Without my knowledge I was enrolled in a recurrent credit monitoring service. I noticed the XXXX $ charge on my next credit card bill. 
I called them to dispute the charge. I was informed that I was sent an email ( I never received XXXX ) that I had one week to cancel but I missed the deadline. I told them that I was n't aware I was even enrolled but they did n't care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NE).
Issue: Problems when you are unable to pay

Complaint: I have entered into a Debt relief program and they instructed me not to make monthly payments. One Main Financial in XXXX XXXX, NE has called me at least XXXX a day at home for the last XXXX weeks and has now called me XXXX at work, I am sure those practices are not legal. I have told them last night to never call me at work again, so we will see. I have called XXXX XXXX XXXX and informed them of One Main calling me at work and they stated I needed to make a report through you and they were going to send them a letter to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Credit card () with U.S. BANCORP (SC).
Issue: Billing disputes

Complaint: The letter sent to ELAN XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting XXXX, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through ELAN 's XXXX Disputes Dept, but no corrections have been made to my credit file. 


ELAN Financial ServicesXXXX DisputesXXXX XXXX XXXX XXXX XXXX MO XXXXRe XXXXDear ELAN Financial Services XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 


I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a ZERO balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first XX/XX/XXXX You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 


Please verify and update the following incorrect information in my credit file : past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 


Thank you for your cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX stated on my credit report that I have an Individual tax lien which was reported file date XX/XX/XXXX an amount of {$1000.00}, second one stated filed date XX/XX/XXXX an amount of {$930.00} and third one stated filed date an amount of {$720.00}. I found these to be an error on my credit report and I attached a copies of state of Georgia Tax lien list that clearly indicate that am not on the list and is an error.
TransUnion stated on my credit report that I have an individual tax lien which was reported filed XX/XX/XXXXan amount of {$1000.00} and another one on XX/XX/XXXX an amount of {$930.00}. I found these to be an error on my credit report and I attached copies of State of Georgia Tax lien list that clearly indicate that am not on the list and is an  error.

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 06/22/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (NY).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I try to login to XXXX XXXX  XXXX ( Blackhawk Network ) to check my gift card wallet balance, I get an error message. It is the same error message for the past month. I have prepaid/gift cards in my virtual wallet online that I can access or look up. It is incredibly frustrating because I do n't have all of my gift card numbers on me physically, but I do have them on XXXX XXXX XXXX ( then going to log in instead of registering ). I ca n't login and have tried calling them numerous times but the company still says they are still working on it. I need to access these funds and check my balances but I ca n't because they have neglected their websites and their clientele.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. 
- In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. 
- They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. 
- My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. 
- Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). 
- Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. 
- Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. 
- After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. 
- Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. 
- When asked why amount differed she said it was for cleaning the apartment after move out. 
- XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. 
- I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. 
- Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. 
- This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.

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 12-02-2017 about Vehicle loan or lease (Loan) with Innovate Managed Holdings, LLC (PA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Called XXXX XXXX XXXX on or about XXXX, and advised were my auto loan with them. XXXX XXXX XXXX associate advised me that my auto loan was transferred from XXXX XXXX. Advised associate that loan was fraudulent from XXXX XXXX because they were not licensed in Pennsylvania to issue loans. The associate advised me she did not know anything about it, and advised me to continue making my monthly payments. On or about XXXX, my car was in an accident and XXXX XXXX XXXX company declared my XXXX XXXX a total loss and paid XXXX XXXX XXXX {$16000.00}. Called XXXX XXXX XXXX on or about XXXX and checked status of auto loan being paid in full from payment of {$16000.00} from XXXX XXXX. XXXX XXXX XXXX associate advised me that loan was paid in full. Check my credit report on XXXX, and seen charged-off amount XXXX, and it damaged my credit rating.

Company response to consumer: Closed with explanation