milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has hurt my credit report and threatened to further affect my credit in order to apply pressure as part of an employment-related dispute. 


The brief history of the situation is as follows:1. On XXXX XXXX, XXXX, a driver who had taken me to the airport incorrectly charged {$1100.00} instead of {$110.00} to my XXXX XXXX card. 

2. From XXXX XXXX, XXXX through XXXX XXXX, XXXX, I conducted numerous calls with XXXX XXXX ultimately resulting in the case being assigned to a team investigating major frauds. 

3. In XXXX of XXXX, I paid the full {$1100.00} charge. 

4. Experian and XXXX XXXX accounts completed an investigation including a detailed reconciliation of my expenses. This determined that Experian incorrectly allocated a personal item to corporate expenses. XXXX XXXX with XXXX XXXX and XXXX XXXX of Experian agreed to change the allocation. 

5. On XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX, stated, " We audited the monthly statements for XXXX XXXX and the dispute has been fully reconciled. In the end, his charge for the limo service was {$110.00}. " 6. On XXXX XXXX, XXXX, XXXX XXXX confirmed they would send a credit balance refund check in the amount of {$990.00} to me. That ultimately did occur. 

7. In XXXX, XXXX XXXX representatives began calling and claimed that due to an internal investigation, Experian had changed its position and demanded payment of the {$1100.00}. The matter was referred by XXXX XXXX to collection services. Threats were made about my credit, and now a negative entry was placed on my credit record ( a hard inquiry by XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX. 

Experian and XXXX XXXX determined that the {$1100.00} charge was an error, and reimbursed me. The only thing that has happened since that time is that Experian, my now former employer, has started litigation against me regarding post-employment covenants. A former employer should not be allowed to use my credit score as a weapon in connection with a matter that has previously been resolved in my favor by Experian and by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PRESSLER AND PRESSLER SUED ME ON THE BEGINING OF XXXX with the XXXX SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to XXXX ( pressler and pressler attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the XXXX XXXX not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in XXXX and they filed a lawsuit in XXXX  where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the pressler rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. Pressler and pressler illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX surgery making me judgment proof status. Until today 's date we do n't have real documentation that XXXX XXXX is the new creditor and pressler and pressler did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a penny mac online user id for my monthly payments which only i have access to. I have used my same bank information until my XX/XX/XXXX payment rejected because on XX/XX/XXXX my husband called to make an escrow payment with an agent. The payment was made using his account information. My XX/XX/XXXX payment rejected because my online stored account was changed by penny mac during the assisted payment and they failed to notify my husband or i. Yes, i submit my online payment, however the site does not disclose my full bank account information, and i was never made aware that penny mac had access to change my personal bank information without notifying me. Reason my payment rejected. Breach of privacy. Penny mac is refusing to rectify, confirmed it was their error. Have been giving me the run around, failed to call me back as promised. XXXX XXXX promised a call, never did. I was decline a higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Portfolio Recovery from XXXX Virginia has repeatedly called me about a debt that did not belong to me. On XXXX call they told me it was about a XXXX charge account. I told them they have the wrong person and that I have never had a XXXX account of any type. I have told them multiple times this debt does not belong to me and have asked them to stop calling me and to not contact me again. They have called XXXX times in the past several months, starting in XX/XX/XXXX and continue calling, despite being told not to, in opposition to the federal Fair Debt Collection Practices Act ( FDCPA ). I have also notified them that I am on the National Do Not Call List and I do not wish them to call me again. In the month of XX/XX/XXXX alone, I have caller ID records indicating they have called XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. This has been ongoing for the past several months, despite my telling them multiple times not to call me and that they have the wrong person. They said they are an authorized debt collector in Virginia and that in order for me to stop them from calling, I need to write to them at a XXXX XXXX they provided and send them my social security number. I told them I would do no such thing and that under Federal Law they must cease calling me now that I have asked them, more than once. I asked for a Supervisor and repeated my request, and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Medical debt) with RSI Enterprises, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB. 
False and Misleading statements

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is reporting an account with XXXX XXXX that 's not even suppose to be mine or on my report period. I spoke with XXXX XXXX XXXX and I do not have an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There was a fraudulent ATM withdrawal on our account on Saturday, XXXX at XXXX for {$200.00}. We filed a police report with XXXX County Policy and report the incident immediately to Simple. They closed my husband 's card and sent him a new one and assured us it would be investigated ASAP. Simple sent me the guidelines for Fraud which showed that we should not be liable for the full amount. I asked Simple immediately if there was anything we could do to help and they said no. Simple never followed up with us UNLESS I reached out to them asking them what is going on. I 've called and emailed them multiple times and all they have said is that the investigation was ongoing. Then, finally they rejected our claim after several weeks. I sent them proof of the police report filing because bottom line, this was not us. My husband 's card was skimmed at a Gas station two hours before which Simple can see that transaction. We reported this with Police. I 've asked that the file be opened up again, but again, no status updates from Simple unless I reach out. I 've asked multiple times for the investigation department from their dispute department and all it states is that since the transaction occurred within our city, it was not fraudulent. This is not true and not acceptable. It has not been a month now and we still have not been refunded any of our {$200.00}. We are working with police to try to get survellience footage, but I should not have to go through all this! Other companies, such as XXXX and XXXX refund fraudulent activity ASAP. This is just plain wrong. You can look at all of our transaction history, we do not use it to pull cash out, we got this account as a budgeting tool for groceries and gas. We need a resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding debt.

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 11/15/2017 about Debt collection (Other debt) with American First Finance, Inc. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls 4-7 times a day from different numbers. They also withdrew money from my checking account that was unauthorized and I had to dispute with my bank. The debt is mine and I owe it, but I should n't be subject to repeated phone calls and unauthorized drafts.

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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is AGAIN, a blanket complaint of all XXXX bureaus! 
Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! 
I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! 

So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau ( crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! 

Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF XX/XX/XXXX TO XX/XX/XXXX. I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within 15 business days from today. 

CFPB, do YOUR job and assist me with this, as this has been going on since XX/XX/XXXX. 
I await your responses... 
I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 11/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Rewards

Complaint: I signed up for the American Express Platinum card a few months ago after seeing their advertisement that states that they would give out XXXX Membership Rewards ( MR ) points ( equivalent to {$1000.00} cash ) to anyone who spends {$3000.00} on the card in the first 3 months. I spent over {$3000.00} and was awarded the XXXX MR points. A few days ago, I logged into my account and the points had been removed. American Express has sited " Returns '' as a reason for removing people 's XXXX MR points. You can see in the attached statement, however, that I had never had any returns on my card and I spent {$3400.00}, well over the {$3000.00} requirement.

Company response to consumer: Closed with explanation