milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Negative reporting to my credit profile with no validity and/or authorization under FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.

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 card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX, 2017 XXXX Transaction Details Description- Capital One Payment Transaction Date- X/XX/2017 Posted Date- X/XX/2017 Amount : XXXX Category- Payment Details- N/A Payment History XX/XX/2017 XXXX ... XXXX Social Security XXXX XXXX ... XXXX {$3200.00} Paid

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The  XXXX  in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.

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 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: You removed  XXXX   XXXX   XXXX   XXXX  because the company could not provide valid information, they are the ones that removed it and you have put it back on my credit again. This is in violation of the FCRA. Experian is in violation of trying to reinsert information that could not be verified. I am demanding that this information be removed immediately. Unless you have updated information meaning PHYSICAL PROOF, a contract with my signature then you are in violation of section 609 of the FCRA

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The vehicle loan with XXXX XXXX XXXX/XXXX XXXX was wrongfully repossessed in XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO 7 YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY! 

2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Requested verification, validation, as they are clearly reporting incorrect info to the major credit bureaus. Sent letters to XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, and XXXX to which they all say they 've verified the account. However, if they had properly verified anything they would have noticed all of the inaccurate info as I did. I have copies of current credit reports, and letters from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report and there were  XXXX  accounts reporting from Wakefield & Associates that do not belong to me and I have no knowledge of. I attempted to have the accounts validated thru the credit bureaus and also with Wakefield & Associates with came back validated. Wakefield sent me  three  print outs that do not show account numbers, dates of service, no original documentations with my signature or anything that validates these debts. Also the print outs that they sent me have different amounts from what they are reporting to the credit bureaus. I also believe them to be in violation to the HIPPA laws.
 XXXX 
Account Number : (   XXXX   ) Account Number : (  XXXX  ) Account Number : (  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 08/23/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: PNC changed their HSA account login and there are no links or directions to the new website. My money just vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: In XXXX, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I simply checked in XXXX XXXX/XXXX/16 XXXX to make sure the promotional code was indeed associated with my account. And I received written confirmation that if I did fulfill all the requirements, I would get the bonus. ( Please see 'Citibank Conversation XX/XX/2016 ... ' attachments. ) After that day, I continuously checked in to make sure I was on track, and I got the final confirmation on XXXX/XXXX/16 that I had indeed fulfilled all of the requirements. ( Please see 'Citibank Conversation Proof that I fulfilled.. ' attachments. ) I had been told that the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. So, I waited 90 days, and I still had n't received the miles. I checked in with a Citi representative, who told me he could n't help me but someone would get back to me within a few days. After a week, I tried again. ( By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. ) The representative created a case number for me and again told me to wait on reply. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. 

We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!

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 10-02-2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (AZ).
Issue: Fraud or scam

Complaint: This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My previous complaint was supposedly resolved and yet my transunion account was NEVER updated to show no late payments. This is a constant thing with this company. They asked me to wait 30 days and its been well over that. My payments were never late as agreed in all XXXX complaints. I want this resolved so I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.

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 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a debt collecting agency named Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX saying that I owe a debt of XXXX and would settle for XXXX. I reached out to the named creditor on the letter and they informed me that there is no such debt. I am also receiving unknown calls from local number that I have not answered but know that they have been calling constantly. I am very concerned that my information has be phished by this corporation and an act of fraud is being attempted in order to receive funds from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We called reporting credit bureau, they said my personal report had no record of an eviction. But they said there are other reports that are used, like in this case .... tenant screening report. The information on that report was wrong. That eviction was a sealed court document that was dismissed. We have copies and a telephone number of court / contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been disputing wrong information from XXXX XXXX XXXX on my. Credit report with experian that damages my credit out look by wrong information This wrong information was removed from other credit agencies as 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 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need for the following address to be removed from my credit report XXXX, SC, XXXX. I have filed an identity theft complaint with the US Postal Inspection Service regarding fraud being committed at that address. It is a violation of the FCRA for you to refuse to remove an address from my personal credit report that I state that is incorrect or that has been used to commit fraud. 

I need for this address to be removed ASAP or else I will progress this case further past the CFPB. I have attached the identity theft report and my drivers license. This is a discrimination and is a violation of my constitutional and civil rights.

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 10/20/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I paid my mortgage off
with Ditech on XX/XX/XXXX. The excess escrow amount was XXXX. and they said that amount was mailed out and check cut XX/XX/XXXX. I have called 3 times asking where the check is and i am told " in the mail '' and I also called to see if it was cashed, maybe stolen and they said no. They told me that I had to wait 30 days before I could call and have another check issued. I think that they are holding my money to earn more interest on it.
Account number is XXXX name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: I got a XXXX XXXX Credit Card ( Mileage Plus Explorer issues by Chase ) primarily because it promised an extra bag for me and my wife when we travelled together. we purchased tickets to XXXX and since we were going to be away for four months we packed XXXX bags each. when got to the airport and started checking in, imagine our surprise when we were required to pay {$200.00} for then extra bags ( the check-in terminal advertised the free extra bag ) since they said the extra bag only applies to domestic travel. This is clearly misleading advertising since that limitation was hidden far down in the card description.

Company response to consumer: Closed with monetary relief