milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: For the last year or so, I have been unable to access my XXXX score as advertised by American Express. I have been told several times by customer service representatives that this matter would be resolved. However, to date, this matter still has not been resolved, despite being promised otherwise by customer service representatives, customer services managers, and customer service supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it off.

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 monetary relief
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Last year I paid my debts. I started in XX/XX/XXXX. The first 2 were XXXX XXXX and XXXX. Since that date both were paid in full. XXXX XXXX   account number is XXXX. It was sold to XXXX XXXX XXXX. Their phone number is XXXX. It should say paid in full. It could be moved to the collections file as paid in full. I will include statements from all the accounts that need to be corrected. The next account is XXXX, account number is XXXX. This account was sold to XXXX XXXX XXXX. Their number is XXXX. It was paid in full also. On my credit report there are 2 accounts that are both the same. That is the XXXX and XXXX. 
The XXXX account number is XXXX it was paid in full on XX/XX/XXXX. I have also included a statement from XXXX stating that the account has been paid in full. 
The last account is XXXX XXXX XXXX account number is XXXX. It was paid in full on XX/XX/XXXX. I am including a copy of the paper that XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote Midland Funding a debt validation letter on XXXX XXXX, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & XXXX Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding XXXX Validation Attachment XXXX. 

I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ; - Identify the original creditor ; -Prove the Statute of Limitations has not expired on this account ; -Show me that you are licensed to collect in my state ; and-Provide me with your license numbers and Registered AgentI received a letter from Midland Funding on XXXX XXXX , 2015 ( the letter is dated XXXX XXXX, 2015 but it was not received until XXXX/XXXX/15 via USPS ) that simply stated that their records showed no inaccuracies ( See Midland Funding Response & XXXX Attachment ). They did not provide adequate information to prove that the alleged debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for a modification for the last 2 years. I was denied for not enough income so i got another job. Now I was denied a loan modification because they claim they could not verify that i live in my house ... i gave them utility bills, drivers liscense and pay check stubs ... i did an appeal and my appeal was denied. Now they have put my house up for auction on XX/XX/2016. I do not know what else to do ... PLEASE HELP ME KEEP MY HOME!!!!!

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 06/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.

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 12/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: All of my credit card debt has a last payment date of XX/XX/2011. That is more than the 4 years time limit for debt collection that is allowed in my state of California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I demand to see verifiable proof of this information listed on my report " PUBLIC RECORD : US BKPT CT AZ  XXXX  -  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested to dispute a public record on my Experian Credit Report Bkpcy IL from about couple of years EX is refusing to dispute my request by giving me the answer '' it was previously disputed and they will not open new dispute ''. I demanded to see Verifiable Proof for this account listed on my credit report ( a consumer contract with my signature on it ) which Experian if they are reporting any account on my credit report they should have in their file based on the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), If they are not able to provide me this proof they have to remove this from my credit file and this public record should be removed long time ago. This is intentionally action to keep my credit score low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, we suffered extensive water damage to our home. The damage was estimated at over {$45000.00} by a professional restoration company. The restorative process revealed that the house had extensive termite damage estimated at {$30000.00}, which was not covered by the insurance company. In XX/XX/XXXX, the insurance company issued us a check for the water damage only ( {$32000.00} ). The check was made out to my husband, myself, and Chase Mortgage Bank. I called Chase Insurance Claims Dept. for instructions on getting their endorsement on the check. They told my husband and I to endorse the check, send it in and they would send us a Chase check in the mail with my husband 's and my name on it for the amount of the check. Needless to say, that never happened! We submitted the check to them for endorsement as they instructed and they never sent us the funds. They held the funds in an escrow account. I inquired frequently about the check, only to be given the run around, asking me for more information. We put the house on the market opting to do a short sale and Chase agreed. We finally got a buyer and closed on XX/XX/XXXX @ XXXX. I continued to inquire about the insurance check and was told on XX/XX/XXXX that they needed a letter from the restoration company stating that we had a zero balance. They said that was the only thing holding them up from releasing the funds and we should receive it in 7-10 business days. We still did n't receive it. On XX/XX/XXXX, Chase left a voicemail on my house phone and on my cell phone trying to set up a house inspection. The next day, I called them back to inquire about the check and they said they needed to do set up a house inspection and then they would release the funds. They were oblivious to the fact that the house had been sold and that they signed and agreed to it. Clearly, the departments do n't communicate with each other. So they put me on hold and took me through some different people. Then, they said we gave up all rights to that check when we sold the house. They produced a form with our signatures on it dated for XX/XX/XXXX saying we signed away all rights to any insurance claims, escrow funds, or any funds associated with the property address. This was the first time either of us saw this form ( attached ). Access code to this form is XXXX. The printed names were clearly not our hand-writing, but someone tried to make the signatures resemble in some ways. We did not come in the day before closing and sign this form. It was not present at closing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: There is a medical collection from 7 years ago still listed, it was an error reported  XXXX  states  XXXX  which is not accurate I fought this and insurance paid back in   XXXX   this is a violation of my rights and not even verifiable why is Equifax still listing it. Requesting removal ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with Michael Harrison, Attorney at Law (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit reporting from XXXX in XX/XX/2014 Account # XXXX XXXX and Account XXXX XXXX. I am requesting that they allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: I received a post card from Huntington Bank, stating that if I open a checking accounting plus a payroll direct deposit over next 60 days, I would receive {$200.00} incentives. But I could not find it when I wanted to open an account. Then, I went to the local XXXX branch. The manger searched their database and could not find any records of their mailing to me. He also tried to see any unused promotion codes that he could apply it to me. He did not find any. I went back home and XXXX the promotion. I found that Huntington Bank website offered the same promotion but with {$150.00} incentives. I applied for a checking & saving account online on XXXX/XXXX/2015. Everything went smoothly. I forgot the {$150.00} until one day I received a message from the Bank, stating that if I could open a money market account, I would receive {$100.00} incentives. This reminded me about my {$150.00}. On XXXX/XXXX/2015 ( XXXX ), I called XXXX from my cell and talked to a lady. She said that there was a problem in my initial application. She would initiate an investigation to find out whether there was an online promotion during the period that I opened an account. She said that I would receive findings in mail in FIVE days and asked me to call back if I did not receive the letter. On XXXX/XXXX/2015 XXXX XXXX XXXX, I called XXXX from my home because I did not receive any mail ( even up to today XXXX/XXXX/2015 ). The gentleman that I talked to said that they were still investigating it and the information given previously was misleading. I was mad. I could smell that the bank was not sincere. On XXXX/XXXX/2015 XXXX XXXX ), I called XXXX from my office. A lady answered me. She saw the time that I called but she did not find why I was calling for. She said that the promotion code that I entered was " funny ''. It is funny if a wrong code was entered, the Bank would reject it immediately. She said that she would fill a form and expedite the investigation. To be honest, I am getting to lose the confidence in this bank. I filed a complaint XXXX on XXXX/XXXX/2015 XXXX Refer # XXXX XXXX. Today, XXXX told me that the Bank required more time to investigate the matter. It has been 30 days since I initially filed the complaint to the Bank on XXXX/XXXX/2015. It is a simple issue. What is going on with the Bank?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.

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 09-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?

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 04/21/2015 about Credit card () with DISCOVER BANK (SC).
Issue: Rewards

Complaint: Discover close my account on this XXXX. I have XXXX cash back and redeemed as staples gift cards. However, I did't receive XXXX dollars gift card and contacted discover on XXXX. The agent told me it need to take 6-8 weeks to investigate. Ok and then I wait and contacted them lately ( more than two months ). The agent just told me they wont replace it and XXXX specialist would contact me in 24 hours. Unfortunately, no one contact me again until I called back. Told me discover made a decision and not replace that to me. I see a bad customer attitude company here and I wan na everyone know how discover treat this customer. I requested to have my XXXX staples gift card back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Good afternoon : TransUnion erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, 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 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX accounts that are reporting incorrectly. XXXX XXXX this was shown as included in bankruptcy when I told them I do n't have a bankruptcy on my report that put it on as serious late payment history that is also wrong. 
XXXX I also have a XXXX county I called they told me I have to dispute it they refuse to investigate because if they did they would see its wrong they have done nothing and you company dose noting as well I have done this now 15 times and you have done nothing for me whatsoever

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had scholarship with  XXXX  university, earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from DIVERSIFIED I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation