milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Alorica Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Payoff process

Complaint: I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I never received a bill in the mail from my best buy/Cbna Credit card in XX/XX/XXXX to pay my bill of XXXX.. I  have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to 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 06/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Late fee

Complaint: Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2016 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an old outdated item listed which I feel is past the statute I disputed and requested validation and nothing has been received. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to initiate this short sale with Seterus since XXXX XXXXI have submitted all docs to XXXX as well and XXXX and myselfhave been trying to get ahold of Seterus to get an update and we have had no luckI re-submitted all docs on XXXX XXXX and I keep calling for an updates and they keeptelling me they have received my third party but it has not been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from a company that called themselves " Medical Revenue Service '' the man I spoke to gave me inconsistent information and told me that I needed to contact my bank to let them know that I allow them to take my money out of my account after I gave him my card information. This was a huge red flag. I did some research on the number/company and found a lot of complaints online, most people saying that they are a scam. I called back and requested a receipt either physical or electronic and was told that would take 21 days and that I need to send them a self addressed envelope with a stamp. I also asked if they ever mailed me a bill and he said they sent one yesterday XXXX/XXXX/16 and that I should get it soon. This was another red flag. I asked him if it was standard procedure to call a person multiple times before sending them a bill and he said it depended on the situation. He also had very little information for me when I asked how he received my information. Needless to say, after 2 phone call conversations, I realized this is most likely a scam and had to have my card replaced in order to avoid them falsely charging my card or stealing my identity.

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 09/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Consumer Financial Protection Bureau To whom it may concern, I started this dispute with all XXXX credit bureaus TransUnion, XXXX, and XXXX on XXXX XXXX t 2016. I done so via : calling, faxing, and mailing in my original disputes. I received a responses from all XXXX credit bureaus, stating that my disputes were resolved. However, something has went terribly wrong, in a matter of days I have had to open all disputes and they have dropped my credit score over XXXX of points. Due to the inaccurate reporting I have lost the ability to obtain my business loan and my down payment for my business. Every time I have contacted them they open another dispute for another 30 days. I do not have another 30 days from never. I have also contacted the companies that they claim have these things and other inaccurate reports on my credit and the companies do n't even have the paperwork to substantiate their claim this is further cause me to stress and I would like for them to cease and desist any further derogatory activity on my credit I am including all the documentation that I can find VA email and any other little disputes also a copy of my credit scores last week my current score is now a copy of my student loans and their current and when they 're due and anything else that I could find that could include of a along with the original documentation this process has been most stressful

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 09/22/2017 about Debt collection (Payday loan debt) with Niagara Restitution Service Inc (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There seems to be a duplicate account on my credit report from Comenity Bank/Victoria Secret. I have one account with Victoria 's Secret and I am trying to understand why my credit report shows two accounts with Comenity Bank instead of one.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I went to an ATM ( XXXX XXXX ) on XXXX/XXXX/2016 to withdraw {$400.00} & it did not dispense out. It went in the local branch & talked to XXXX XXXX about the matter & it was later acknowledged that my money did not dispense out so therefore XXXX XXXX ( handles ATM disputes ) faxed the paperwork to UniRush which is the parent company of Rush Card about the matter & they released the {$400.00} back to Rush Card on XXXX/XXXX/2016. I have called RushCard several times & each time they keep saying that the money was not sent back to them, however, I have the paperwork from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI ). Each time I call, Rush Card tells me a different story. I was told that I would have my money by the end of the business day XXXX/XXXX/2016 & now I am being told they did not receive the money. I have bills to pay & for them to keep giving me the runaround is unacceptable. It 's like I am being punished for something that I did not have control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2017 about Debt collection (Medical) with United Revenue Corporation (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 UNITED REVENUE CORP 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 UNITED REVENUE CORP 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My friend was helping me by co-signing for my residential rental. She obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$1.00}. Then they started charging her credit card ( she paid for me ) monthly for ongoing monitoring that I was unaware we was signing up for. Unfortunately I did not notice right away. It was {$21.00} a month. I called Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. My friend did n't see/notice this fine print. I looked online at XXXX to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. My friend has now been billed for this monthly fee for 4 months starting in XXXX. Experian refused to refund the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a first and second mortgage originally with XXXX XXXX XXXX who sold the First Mortgage to Nationstar and XXXX retained the XXXX mortgage. I went through a divorce and lost my job of four years. I then applied for mortgage assistance with Nationstar who then began stringing me along. I have yet to receive a decision on my last application for mortgage assistance in XXXX 2016. To my surprise, Nationstar sold my loan to XXXX effective XXXX XXXX, 2016. When I contacted XXXX I was told that none of my paperwork from Nationstar was transferred and that foreclosure had begun with my XXXX XXXX. XXXX sent me a debt Validation Notice without a date on it. When I called XXXX they informed they were no longer handling the foreclosure and that it had been transferred to XXXX. I do not know who is my rightful servicer and trustee for my loan, in addition, I feel that because of the equity in my home I am being targeted and preyed otherwise the information I need to gain assistance would not be hidden from me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account is reporting a debt with the defense finance and accounting services and the is no debt I have called XXXX and they have verified there is no account

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 07-04-2017 about Debt collection (Credit card debt) with V and H Portfolio (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.

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 04-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I sent a message to XXXX XXXX because after paying on my promotional balance for Years I noticed that the minimum payment would not pay the balance off before the expiration of the promotion. When I signed up for the card and made the purchase, it was explained to me very clearly in advertising on television, the paperwork in the store, and by the store employees that the minimum payment on the promotional purchase was spread out from the date of purchase to the time the promotion expired. I asked the Synchrony about this two days ago when I noticed the problem. They responded with the same information-they said that the minimum payment on a promotional purchase is calculated by taking the amount of the purchase and spreading it out evenly over the duration of the promotion. When I told them that if that was the case then my account had a problem they responded by saying simply that if I didnt pay it off, then the payments made the last two months of the promotion would go directly to interest first. First off, like I said the payments are supposed to be spread out evenly and they are not PLUS Ive been overpaying so I dont understand their miscalculation. They REFUSED to research my over payments and reconcile the account when I requested it. Number two, - it legal for them to charge all of the interest two months before the actual expiration date of the promotion?

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 12/21/2016 about Debt collection (I do not know) with Choice Recovery, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Never gave my Employer Number to Contact. Not allowed to receive these calls at my place of business Called and Claimed to be from XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.

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