milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Debt collection (Medical) with CREDIT WORLD SERVICES, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt originating with a Creditor was erroneously assigned to Credit World Services , Inc. XX/XX/XXXX. I contacted the Creditor confirming and correcting the error. XX/XX/XXXX I sent a letter of dispute requesting new verification of debt to Credit World Services , Inc. who then refused in writing to provide a new verification of debt. I resumed payment to the Creditor as previously arranged until the debt was satisfied XX/XX/XXXX. 

I have received several phone calls each containing harassment from " representatives '' and individuals claiming to be affiliated with Credit World Services , Inc. despite formal written request that all communications be in writing. 

The alleged amount owed as claimed by Credit World Services , Inc. has varied by a significant margin. 

Credit World Services , Inc. reported to XXXX that I had an account in collections XX/XX/XXXX. This deliberate, malicious, false, claim and misrepresentation of the truth has caused severe financial hardship through a compromised credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OR).
Issue: Managing the loan or lease

Complaint: I have a car loan with Mazda Capital Services ( serviced by Chase ). My minimum monthly payment is {$290.00}. I have paid, from the beginning of the loan on, {$300.00} each month, with the expectation that the {$9.00} paid over the minimum monthly payment amount be applied towards principal on the loan, reducing the principal for the remainder of the loan, and in effect also reducing the interest for the remainder of the loan. 
Upon reviewing a monthly statement from Chase, I came to the realization that Chase has been applying the monthly payment overage to the following payment by default. 
I contacted Chase on XXXX/XXXX/2016 at XXXX XXXX XXXX, and spoke with a representative by the name of XXXX XXXX I explained to XXXX that applying payment overage to the next monthly payment coming due is not in the best interests of the consumer, as it effectively cheats them out of the reduction of principal and in effect, reduction of interest the consumer would see for the rest of loan. 
I asked XXXX to reapply my payments retroactively so that the overage from the first payment made on the loan on has any amount paid over the minimum monthly payment amount applied to principal, in effect reducing the interest paid from date the payment was made on, due to the reduction in principal that occurred on the date the payment was made. 
XXXX stated she could only reapply the amount paid towards the next payment currently coming due to principal. 
I explained to XXXX how doing that would reduce the principal as of today, and in effect reduce the interest paid on future payments from today on, but would, whether intentional or not, effectively cheat me out of the reduction in principal and interest I would have seen had the monthly payment overages been applied retroactively from the first payment made on the loan on, as I had requested. 
I insisted XXXX honor my request and have the payments reapplied as I requested, retroactively, and asked to speak with a supervisor. XXXX advised me that she would have a supervisor contact me in 24 hours. 
I explained how I feel that a business open for business should have a supervisor available when I call in, stated I am willing to wait on the line to speak with XXXX, and that is unacceptable to have XXXX call me back in 24 hours. 
I work XXXX jobs during the week, and called on a weekend because this is when I have the time available, and see the call back as a way to prevent me from following up and resolving this issue. 
Ultimately, XXXX agreed that her only option would be to have a supervisor call me back in 24 hours, so I am unable to wait on the line to speak with a supervisor to resolve this today, not due to my own decision, but rather due to Chase 's choice in how they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Stated that it was correct, even though I called the original creditor and they said that it was never suppose to be on my credit report. I am lost and confused. I just do not know what to do.

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 07-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points on early XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor the agreement, but to no avail.

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 12/31/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding is reporting an account settled with with creditor and the creditor removed from my credit report. The last payment is over the 7 year required for removal on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with Malcolm S. Gerald and Associates, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This has been going on for months. By example, from XXXX until today, a company called MS. Gerald, XXXX, XXXX has called 8 times. 

Each time I pick up the phone and say hello, the call terminates. 

Tonight I called there number back XXXX. The rep was not forthcoming demanding personal information from me while I was demanding the legal address and the name of the owner from him. Once provided, he advised that if I gave him more information that he would then transfer me to whomever was researching a collection debt. 

My FICA is in the mid XXXX and I have no outstanding issues that I 'm aware of. 

It would appear that their tactics are to call and hang up until the consumer takes the initiative to call back and then can fall into some kind of trap providing additional personal information. 

After a few expletives i hung up. I 've not gotten any written advises or communications inquiring or informing me of a debt - period!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was an authorized user on my wife 's credit card and they are trying to collect the debt saying I am a joint account owner. They have no paperwork to prove this. They have put the debt on my credit report and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
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: Im fed up of American Express they have been running me around for months on a claim where the company XXXX Sent them a bill for repairs to the car days after turn in and they also sent the rental agreement with the check out stating I was checking car out with scratches and dings, and ON THE CHECK IN SIDE THEY HAVE NO ADDITIONAL DAMAGES!! And both check in and check out are signed American Express has had to reopen this claim 4 times!! I have sent in Pictures of the car, My statement, signed a affidavit, a video of car at turn in, and a copy of the rental agreement saying no damages at check in ... American Express has asked me to File some type of car insurance claim on the damages but that would be filing a false claim because there was no damages, as well as I have grave all the information that I can possibly give!! The amount in question is {$570.00} and i ask for this amount to be credited to my account right now! I 'm done talking to these guys!! running me around for months, open and closing claim, hoping I fail to respond so they do n't have to pay is wrong! This company has lied and was caught lying red handed by there own paperwork they sent to American express.. what more would you need besides there own documents, pictures and my statement!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.

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 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing with Tranunion for a while now and this is my last resort. I have XXXX items on my report from XXXX XXXX and XXXX of them is a duplicate. This is obvious. 
XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION Please remove this erroneous information.

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 04/27/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am actually an attorney and the misuse of my credit report when there is supposed to 100 % accuracy, 100 % verifiable information, and 100 % timely information is causing grave damage to my credit report. I have provided proof of that my name is not properly showing, and a myriad of inquiries that do not belong on my report. Please remove incorrect names, and incorrect addresses, and the erroneous reporting of my date of birth as a XXXX, which misleads anyone looking at my report to think I am either deceased or do not exist. 

The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the XXXX days. 
Please remove the following inaccuracies and inquiries from my report, and update to ONLY the current information : Date of Birth is XXXX - PLEASE CORRECT THISXXXX XXXX BANK XXXX XXXX Banks XXXX XXXX Banks and XXXX XXXX XXXX XXXX BANK Banks and XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Mortgage Reporters XXXX Mortgage Reporters XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ADDRESS PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX MY NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: APR or interest rate

Complaint: This bank of america card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: There has been a report against my social security number of a bank account issued through Bank of America. The reports states that there was suspected fraud activity. I once had an account with Bank of America but it has been closed, but not for fraud. I also was n't notified of account closure for this reason.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: On XX/XX/XXXX, I sent a request to Experian asking them to send me documentation regarding some accounts that were inaccurately reporting on my report. ( See the attached ). I never got a response from them. On XX/XX/XXXX, I sent them a request to follow suit ( See the attached ) and delete the accounts since they never provided me the documentation I requested and they had been removed from another credit bureau. On XX/XX/XXXX, Experian completed my dispute and only verified the accounts. They still have not sent me documentation I requested regarding the account and did not follow suit and delete them.

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 04/16/2017 about Debt collection (Credit card) with Malen & Associates, p.c. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Alleged debt to XXXX XXXX that I do not recall

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This collection company is reporting erroneous debt to Experian in my name. The debt collector has a debt on my report for  XXXX   XXXX . I have never lived at  XXXX    XXXX   in my life. This debt is not valid and after several attempts to rectify this with the credit agency they have ignored my requests. The creditor has yet to show a signed lease agreement between myself and the apartment agency. They instead continue to submit a fabricated bill with my name on it to Experian. Experain has failed to research the debt in its entirety. They only ask the creditor if the debt is valid and never ask for proof.

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 08/22/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Our loan was sold. After 3 months of no communication about not receiving payment, we get a foreclosure notice on our door. We immediately call and are offered a loan modification. We did the steps, and continued making cashier check payments. After finally getting our money back we forward it on to the company. Months later we get a notice on the door, our home is going to be auctioned. We contacted them and they said, " we never agreed to a modification ''. All the while we are making payments. We go to the bank and find out they are holding our checks, and not applying them to our loan. Now we stand to lose it all, and the communication to save our home is impossible to get.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: This is a follow up to my original Complaint XXXX ineptly handled and in fact outrageous handling of these issues and simply putting me through a lot of just not necessary expense and aggravation and still they failed to do their job properly. 

THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely ridiculous and outrageous the way Wells Fargo dealt with this issue for years, and absolutely ridiculous how they are allowed to get away with this. They filed a lien release after many years according to them, this I now find to be incorrect as well. 

I had to go ahead and hire a Title Company personally because of Wells Fargos failure to deal with these issues in a proper manner to actually get me these Lien Releases in the last week. 

I now find out these were all released and Wells Fargo instead of doing this properly like the Title Company did. They have Clouded my Title by Filing another not necessary Lien Release. These folks should be held accountable for this turmoil they have caused in peoples lives. 

I have asked them to provide their agent of service in California this they have not done this, as I intend to take this matter to small Claims court in California to recover costs and the impact this has had on my life to date and continuing. by their failure to do the job properly, and file more and indeed improper documents against my home. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, 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