milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Medical) with Turning Point Solutions LLC (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from XXXX ( XXXX ) on behalf of GS Holdings. XXXX told me that my mother had outstanding debt from a hospital visit from XX/XX/2010 that was sold to GS Holdings. XXXX said GS Holdings would take my mother to court is she did n't pay the debt. I requested proof. I was sent an email from XXXX which contained the last ( XXXX ) of her social, the name of the hospital she received care from in XX/XX/2010 and the " original account '' number from the hospital. After some pressure applied from the XXXX agent ( said the court filing could be filed as early as the next day, in which case she would be taken to court ), I payed {$760.00}, after negotiating the price down from {$1300.00}. I received a receipt after the payment. Everything appeared in order. Several days later I called the hospital billing department. I spoke to the hospital representative and asked if there was archived account from the account number given to me by XXXX. Nothing. I then gave my mothers full name. Nothing. The hospital had no record of an outstanding debt. I called GS Holdings at XXXX. The person on the other end seemed surprised I called. There first question they asked after I called is who told you to call here. I told them that I was concerned about the charge and that I would like some sort of documentation that proved my mother was in fact in debt and they owned it. They provided nothing and only redirected me to there director of compliance who was not available. Ok. I left my name and number. The director of compliance, XXXX, called me back and had a very vague explanation for why my mother was charged. He stated that I had called the wrong people at the hospital and that I should call again for the info. At this point I told him that I was going to start a fraud dispute with my bank to dispute the charge. He immediately responded that refund the money. I called my bank and let them know. They told me to wait ( 15 ) days, as merchants have ( 15 ) days to refund the money after a dispute before they get involved. I 'm giving them ( 15 ) days. However, I feel that they should be investigated for suspicious activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Incorrect information on your report

Complaint: Wells Fargo Home Mortgage is reporting a past due balance on my credit report with the three major credit bureaus. This is inaccurate and violates The Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, Wells Fargo modified the loan as a Trouble Debt Restructure in the name of XXXX XXXX. As a result of the XXXX, the loan was subsequently brought current. Although the mortgage is current, the mortgage is showing as a late payment on my credit report in the amount of {$2600.00} and shows 60 days late. I believe the failure of Wells Fargo not updating my information is negligent. As a result, the action of Wells Fargo has damaged my credit and caused me emotional distress and mental anguish.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 02-07-2018 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: I have a company that is free to help me get guidance in talking or helping me with this problem and they wrote the letter to you to reopen my case. Since my other half XXXX   it's been very hard to keep things straight and keep my head above water and they have already taken my car once and I can't have thast happen because of the 15 doctors I have to see each month and XXXX I have to work with all the time. I have XXXX XXXX to take and I'm suppose to have a person staying with me 5 hours a day and taking me to my appointments with my car not theirs but this is just another way for them to take it again. It costs almost {$1500.00} to get it back and that means I have to use my rent money and my other money to keep it. 

I don't know if the company that is helping for free sent you any of the copies of the letters they have been writing me for the last couple of months, but I did ask the man to do that along with sending the information you needed again to open up my complaint again. Please help me with this ... .I 'm so stressed out right now and the doctors are all angry with me because I want a job and they won't let me wo rk. I'm going to be XXXX and I'm so XXXX and I'm XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want my car and the title in my possession and not have to worry about them taking it. It's terrible when the other half of your income is gone in a n instant and you don't know what to do next!!!!!! PLEASE HELP ... .I KNOW THEY THINK THEY CAN GET A WAY WITH THIS AND THEY'RE TREATING ME LIKE A JOKE.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On several occasions I made online debit transaction s where you must pay for your product before it's received. Unfortunately, I am paying for such service s with money being debit Ed to my account and the companies are telling me the product was never paid for. Besides, having someone always standing around watching, I then have to repurchase my product ( making a duplicate transaction ) by entering into my savings. When the bank is contacted all they can do is re submit another card. So far this was a total of an estimate {$250.00}. I am being asked did I figure out what's happening? Or they're telling me they never got the money. Too often there's a shortage on my 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 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Never have lived in Utah

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have informed this company that I do not have any dealings with them. I need received notifications on this debt. I sent them my updated address and verified that they are not licensed to collect in my state. They have failed to stop collection activity and have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

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 07-12-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have a complaint to involve XXXX, as well as the collection/or law office they sent the account out to Caine and Weiner ..I was contacted by a XXXX at Caine and Weiner, after asking for my husband and I advised her I am his wife, what is going on, she being to tell me about the outstanding debt due at XXXX, which by all means XXXX never called me one time nor sent any collections notices out before sending my case out!! second the collections agency they sent it through failed to even verify information to confirm that I am the above party wife she just being to go into details I could have been anybody, second that company did not even send me a validation of debt letter, to give me a chance to dispute the reason for none payment after not hearing me out after several phone calls when they raise my insurance because I could not prove I had prior how am I going to prove that when my vehicle was new?? The rep was a very fast talker she could care less what I had to say she gave me the company address so fast, and I am very upset! SHE DID NOT MENTION THIS WAS A ATTMEPT TO COLLECT A DEBT NOR TELLING ME I WAS TALKING ON A RECORDED LINE, SHE ALSO DID NOT VFY ANY INFORMATION CONFIRMING I WAS MY HUSBAND 'S WIFE This is illegal and should not be tolerated!!!! I KNOW MY RIGHTS AND NONE OF THE FDCPA RULES WHERE NOT FOLLOWED!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Check was cashed on my account. I did not write the check. Check was stolen and used fraudulently. Bank states I did not report check stole but bank was told checks were lost since moved into new address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Illinois XXXX of XXXX XXXX has inflated my child support amount up erroneously. Please see attached documentation to that effect. I have paid ahead of schedule and also have a post executed judgement against XXXX. Moreover, the alledge debt is not that the custodial parent of on Aid or belongs to the state. This is a wildly exaggerate estimate of back support that is userus and more important incorrect. When did the government get into to the business of settling perceived private debts. Debtor 's prison was outlawed a century ago ; consequently, why is this inflated incorrect amount being posted against my credit worthiness? The answer is this should be deleted immediately from my credit file.

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 10/19/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Transaction issue

Complaint: I have been denied the ability to dispute these charges with my Citibank credit card.I received a denial letter, that said I was not able to dispute the charge, The charges I am requesting assistance in disputing were all made between XXXX and XXXX 2016, to XXXX XXXX XXXX XXXX and XXXX in the total amount of XXXX. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

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 02-10-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) XXXX, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX XXXX ( s ), ( e ) Federal Reserve form XXXX XXXX ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX. in accordance with basel XXXX accord and XXXX. conventions. I also asked them to present the same documents from the following vendors/creditors as well as the original contracts so that I can verify the validty of my signature : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and they have not provided me with the requested information, Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collectors are calling Family Members! This is not our debt, but they are calling us in reference to a family member who does NOT live with us! They are pushy, and we need to hang up on them. I thought it was illegal to contact family member! But these calls are aggravating!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Knight Adjustment Bureau (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: There are lots of stuff on report that I've never seen before and every amount on accounts is totally highger and are hiting my report 6 diffenrnt times with one account I don't understad why my account info was givin to another company with no knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Enclosed evidence of errors in Credit report. Wrong information regarding XXXX XXXX mortgage report, per enclosed 4 pages of evidence ; 1 ) XXXX XXXX action following a late payment dispute, was to refund to my husband and l, 100 % ONE HUNDRED PERCENT, of all late charges, XXXX refunded to us over {$4900.00}. 2 ) At no time during this dispute did XXXX XXXX apply late charges in 2016. 3 ) XXXX actions prove the dispute existed .At that XXXX were guilty of wrongful actions against their customers, which is part of the public record. . 4 ) The Credit Agency, in wrongfully showing late charges that were refunded to us, seriously harms us. We cant get a new mortgage, which is depleting our savings. Current cost to us is very substantial, over 100.000.00 And growing by the day. 5 ) In refusing to alter the record, the Credit Agency unfairly negates our right to dispute XXXX XXXX Mortgage Banks unfair actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Late fee

Complaint: On our  Sam 's Club C redit Card, They say I have been late more than 3 times since   XXXX   XXXX    . If you view my attached payments, you will see that several months I have actually made  2 pay ments a month. I called them because they said I was late again. I checked my bank statement and saw they had deducted my payment. When I called I was told that by making a payment in the middle of the month it actually just applied to the current month and was not viewed as an early payment for the next month. I had just made another  XXXX  payment which does n't show yet on my examples of payment printed from their website. Since this is still   XXXX   it will not apply for my   XXXX   XXXX   payment due of {$6.00}. I thought all of these shoddy ways of doing business were taken care of during the housing crash and credit card consumer abuse and what I call trickery. My husband gets his social security benefit check the  2nd Wed.  of each month and I pay my bills then. All this time since he opened this account, they have been doing this and I was not aware of it until today. No other company that I deal with does this if I make a payment for the next month it is credited for the next month. I think this is a very unfair practice for the consumer especially when they can see I have clearly made a payment in the current month.

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 02/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX B XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are fraudulent items I am requesting that they are deleted /blocked by name of source A CRA must block the fraudulent information the victim has identified within four business days after accepting her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Enclosed is a copy of the law enforcement report regarding my identity theft Please let me know if you need any other information from me to block this information on my credit report. 

Sincerely, XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation