milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with XXXX, Experian and 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 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible.

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 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX unlawfully debited my unemployment funds to cover its banking fees, leaving my account with a negative balance and forcing my XXXX XXXX XXXX checking and saving accounts to close. I contacted XXXX XXXX XXXX XXXX in person and via email on multiple occasions regarding the fact that I was unemployed and did not owe any taxes to XXXX XXXX. However, XXXX XXXX XXXX XXXX took a total of XXXX in fees from my account, unlawfully taking the monies from my unemployment compensation funds and forcing my checking and savings accounts closed due to the insufficient funds resulting from the unlawful fees charged to my unemployment funds. 

XXXX XXXX XXXX XXXX increased the negative amount in my savings account, which XXXX XXXX refuses to close, and forwarded my account to collections. This led to my XXXX XXXX dropping exponentially and the lowered negative score having negatively impacted my job search.

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 01/25/2017 about Debt collection (Credit card) with Weinberg Mediation Group LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue me.

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 11-04-2015 about Credit card () with U.S. BANCORP (LA).
Issue: Delinquent account

Complaint: I have had a charge account with First National since XX/XX/XXXX never missed a payment. XX/XX/XXXX i set up a payment online that was due XX/XX/XXXX at the same time i set the account up for auto pay but using a different checking account.. 
First National Credit Card sent me a text one week later stating that my account was past due the same day i called to see why the account was past due. The rep informed me mmy payment could not be processed because the bank name didnt match the acct information. I confirmed the account information thatmy payments always came from while on the phone she wwas able to process the payment. 
FNB had mix the acct information up in the process of doing do reported my acct past due when i made the payment the same day i received notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with RevSolve, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Billing disputes

Complaint: BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help me?

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 06-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to  be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.

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 07/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: A loan modification application was submitted to Ocwen. They sent a letter on XXXX XXXX stating that they were reviewing the application, but there is a foreclosure sale coming up on XXXX on the property. That is clearly a Dual Tracking violation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While I asked questions regarding to my mortgage and checking accounts on the phone with Wells Fargo, they promo their " Rewards '' credit card and I got transferred to application dept. 

After I applied the credit card over the phone, I never received the credit card. One day, I saw there are a balance of XXXX {$7600.00} on my credit card account ( which I never received, activated or used ). I called there representative and they filed the claim to their Fraud dept. and update my new address and also cancelled the old card and send me a new one. 

After a week, I got the new card but I do not want to activate it until the problem resolved. So I checked online and saw the balance of XXXX {$7600.00} still there. I called their Fraud dept. and found out they denied the claim and they said I was using " Home '' ( fake ) phone number XXXX to activate the credit card ... I told them that is not my phone number. They said that what they have on file and ask me to resubmit a claim through another department called " Reconsideration '' dept. That take another 10 days to allow Fraud dept. to work on a new investigation, they suggest me to pay the balance. I feel very frustrated to deal with their depts ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Mortgage (VA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: Loan care Services purchased our VA loan from XXXX XXXX in XXXX 2017. We missed 4 months of payments when Loancare took over our loan because we did not realize they purchased our loan and XXXX did not transfer the payments. We had paid our LOAN for 16 years to XXXX via bank checking account auto debit. We were never missed/late payment. Loancare contacted us via XXXX to offer a us a refinance special offer to lower our interest rates. The fine print stated our LOAN would be extended by 40 YEARS. I assumed it was a scam and ignored Loancare contact. I received notice from the Veterans Administration stating our home was at risk of foreclosure. I immediately contacted Loancare to arrange payment plan of the past due amount. I was told by the customer service rep that my choice was to pay the full amount owed or I could choose the *special offer* to refinance at a lower rate but extend our LOAN for 40 years. I was told that I would lose my house if we did n't pay the full amount OR choose the *special re-finance '' offer. Thankfully we had the money to pay the full amount of the past due payment. Please investigate Loancare for fraud and unscrupulous business practices.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am experiencing an issue with Loan Servicing Company Seterus as they changed incorrectly WITHOUT MY AUTHORIZATION and knowledge my Principal and Interest mortgage payment of {$2300.00}. 

Additionally Seterus Inc. payed the last 3 months of my Home Insurance by sending a check for {$530.00} to XXXX. As stated in my previous complaints as well as my loan documents ALL INSURANCE AND TAXES are paid separate and that no escrow account should be opened. Once again Seterus has disregarded the loan agreement and paid the remaining balance of my home insurance. As you will see in the attached statement from XXXX I have paid on a monthly basis all applicable insurance bills ON TIME. XXXX has agreed to send the check back to Seterus Inc . This issue has caused unnecessary hardship and time. I will ask once again that Seterus close my escrow account that should never nave been opened and send back a refund check at the close of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the Equifax security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with Equifax, XXXX, and XXXX. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.

Company response to consumer: Closed with explanation