milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, I submitted a payment for my XXXX XXXX XXXX in the amount of {$13000.00}. US Bank only credited me with a payment of {$3700.00}. I contacted US Bank by phone on 2 occasions, and by e-mail on at least 3 occasions. They consistently deny that they received a check for {$13000.00}. I contacted my bank ( XXXX XXXX XXXX XXXX - XXXX ) to confirm that US Bank presented the check for payment, and that the payment has cleared. XXXX stated that US Bank presented the check 3 times for payment - the 2nd time due to stating the amount incorrectly the 1st time apparently. XXXX was unsure why they presented the check a 3rd time, but does confirm that US Bank received the payment of {$13000.00}. US Bank has had my payment for over 2 weeks, and  so far has refused to acknowledge this, and has provided no assistance during my multiple contact attempts as far as I can tell.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RFNA, LP (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Payday loan) with Bronstein & Weiss Arbitration (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a Fraud Victim and someone stole my Identity many years ago. I never signed any documents nor have I spoke to anybody from Loan Depot and nor did I give them permission to touch my credit report. I am demanding Justice be done and they clear my name from any wrong doings of requesting a LOAN. I have not given LOAN DEPOT OR XXXX Permission verbally or electronically or written permission to touch my credit or request a loan. I demand they contact all three credit agencies and remove this credit pull from my account. I also want a letter of deletion sent to me for proof of records If this is not done within the 30 day time frame I will contact a lawyer for damages for pulling my credit and damaging my credit. 

Thank You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX 'S XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX DATE : XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU

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 10-02-2017 about Debt collection (Medical debt) with M. G. Credit, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: MG CREDIT is inaccurately reporting two medical debts that were previously covered & paid by health insurance. The medical bills of {$240.00} and {$92.00} are older than 7 years have been reaged on credit report to XXXX. I do not owe this b/c it was paid by health insurance carrier of my then employer XXXX  XXXX XXXX. I never received validation or verification of these two bills that I previously requested multiple times and have disputed with the credit bureau. I was informed the collection agency doesnt submit written verification of debt to the credit bureaus only verifies consumers name, dob, and ssn. I DO NOT owe b/c these two bills were covered by medical insurance. A collection agency must be licensed in FL and MG Credit doesnt show listed on FL office of financial regulation website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with EQUIFAX, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: most of these debt are really outdated I would like to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2016 we faxed a settlement of debt ( XXXX mortgage on a house we no longer own ) request to Ditech Financial to the fax number they had provided us during an prior phone conversation. 

A letter dated XXXX XXXX, 2016 from Ditech Customer Service stated that they received our correspondence regarding our account on XXXX/XXXX/16 and is currently under review. That we should expect to receive a response within 30 days from the date they received our correspondence. 

Then a letter dated XXXX XXXX, 2016 from Ditech Customer Service XXXX stated that our request has been forwarded to the appropriate department for review. That we may contact XXXX XXXX at ( XXXX ) XXXX extension XXXX or XXXX XXXX at extension XXXX for further information regarding our request. 

Then a second letter also dated XXXX XXXX, 2016 from Ditech stated that they are in the process of reviewing our written request and that their research has not concluded. That the purpose of the letter is to notify us of their ongoing investigation in an effort to provide a resolution. Again, any questions call XXXX XXXX XXXX XXXX. 

We have called and left messages on the following dates with NO response XXXX/XXXX/16 XXXX a.m. 
XXXX/XXXX/16 XXXX ( XXXX ) XXXX/XXXX/16 XXXX ( XXXX ) The only " correspondence '' we have received from Ditech is our monthly statement, which we continue to pay due to not wanting to damage our credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Penn Credit Corporation (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: told them I never lived at this address send them materials where I lived at the time and this must be identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I have a checking account with Capital One 360 that I 've had since XXXX. About a XXXX I went to use my ATM/check card for a gas purchase and the card was declined. Thinking it was the machine, I went to another location and again was declined. I contacted Capital One 360 customer service and was advised that my card had been " deactivated '' and they had sent me a new card in the mail that I " should '' have received by then. Capital One provided no communication to me ( I login to their website almost daily and a simple message or note would have sufficed ) and " deactivated '' my card that was not yet expired so that they could provide me with the new updated card with the chip security feature. I 've since contacted Capital One and provided them with the opportunity to resolve this matter and am not satisfied with their explanation. They stated that because their rep. offered me the opportunity to get back into my car and drive back to the store to make a " one time '' withdrawal/ purchase and then they would " deactivate '' my card again. I do not feel that it is acceptable to say " because we gave you the opportunity to go out of your way and make a one time/ educated decision on how much money you need to withdraw, we feel we have corrected the situation ''. The fact of the matter is that my card was not expired and the entire situation could have been handled differently to avoid putting me the " consumer '' at harm- again, this was the period right before XXXX. Heartless. I 've read the cardholder agreement and find no acceptable clause that relates to this issue and I do not find it to be legal or acceptable from a customer service standpoint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Money transfers (Domestic (US) money transfer) with BANK OF HAWAII CORPORATION (HI).
Issue: Other transaction issues

Complaint: I needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open one because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him a name and details of his friend in XXXX, XXXX who will receive the wire transfer money from me. Once the beneficiary receives the money, he will call my boyfriend 's friend to confirm that he receive the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. So on XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his XXXX Bank account in XXXX. But after an hour or two, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said it was already debited from my account and was already sent to XXXX Bank. So my bank called XXXX Bank to request for a call back funds. 
XXXX Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX 's XXXX Bank account. But because XXXX Bank can not get hold of XXXX XXXX, XXXX Bank closed his account so that he could n't withdraw the money. 
XXXX persons from XXXX Bank called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 
Every time I made a follow up, my bank said they have not received a response from XXXX Bank. I was too worried because my boyfriend needed the money. 
So on XX/XX/XXXX, I sent a letter to XXXX Bank to please send me back the money. But XXXX Bank did not reply. Again on XX/XX/XXXX, I sent a follow up letter but still no reply. 

Please help me recover my {$12000.00}. I just borrowed that money from a close friend. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: MEDICAL DATA SY STEMS I  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT.    MEDICAL DATA  SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.

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 reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from XXXX which was made on XXXX XXXX2016. I checked my credit report, which I acquired from Transion. I have contacted XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Leaked ( involuntarily ) acquired sensitive information that could lead to future/ present damages to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for XXXX discharge through XXXX to have my student loans forgiven. A debt collection company called Pioneer sent me a letter they were taking over my loans and they were adding a XXXX collection fee.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (TN).
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 disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. NationStar paid XXXX off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either. I need this information corrected on my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.

Company response to consumer: Closed with explanation