milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with Suttell, Hammer & White, P.S (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends college. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole  amount. They refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I somehow have a fraud alert on my Experian credit report. I can not get it removed and now I am unable to be on our mortgage bc my mortgage company ca n't pull my Experian report bc of this fraud alert. My interest rate is also going up almost XXXX points bc I am unable to be on the mortgage. Mortgage company has no problems pulling the others reports w the other bureaus. 
Over the last 6 weeks -- -I have called 3 times, submitted 4 faxes, mailed a letter AND uploaded a document via Experian upload. AND THE FRAUD ALERT IS STILL THERE. 
Every time I called it was VERY difficult to get the person I spoke to to understand my problem, and the canned response was to send me to their website for help. The first phone call resolved that my address was the problem -- - not the fraud alert -- -- so I submitted a form for that. The second phone call could n't confirm that I had a fraud alert I was told that I had to pay {$10.00} ( which I did ) to get a copy of my report to verify that I did indeed have a fraud alert on my account. The next call directs me again to the Experian website -- - website said " we are unable to find you in the system '' -- - I had to call AGAIN to still not have any resolution. 
Mortgage companies and the credit bureaus are giant jerks who take advantage of good people. So now I am having to pay a higher mortgage interest rate bc I ca n't be on the loan. AND i ca n't get the fraud alert off my account AND NO ONE WILL 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 explanation
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Consumer Loan (Vehicle loan) with ASTA FUNDING INC. (TX).
Issue: Problems when you are unable to pay

Complaint: XX/XX/XXXX, I purchased a XXXX Dodge Intrepid. I fell behind on my payments in XX/XX/XXXX. I was notified in writing in a letter dated XX/XX/XXXX from the law offices of XXXX XXXX XXXX, XXXX that Palisades Collection LLC an Assignee of XXXX XXXX was collecting from me a loan balance of {$20000.00}. Palisades filed a judgment against me on XX/XX/XXXX the judgement amount was for {$20000.00}. I paid my debt off in full to XXXX XXXX in the amount of {$20000.00} with a cashier 's check. I received a paid in full letter from XXXX XXXX dated XXXX. The paid in full letter from XXXX is dated XX/XX/XXXX and the judgment was filed on XX/XX/XXXX. This judgment should have never been filed. On XX/XX/XXXX I received a letter from XXXX XXXX and XXXX, XXXX collecting for Palisades Collections. They were trying to collect {$20000.00} from me. On XX/XX/XXXX I spoke with XXXX XXXX with Palisades Collections and he said this debt had to be paid. Now I can not find no trace of XXXX XXXX XXXX. When I called the telephone number XXXX the company this number belongs to is XXXX XXXX, and Palisades is a subsidiary of this company. I just want to get a release of lien letter from whomever has a lien on the vehicle I owned. my vehicle vin number is XXXX. The judgment is no longer on my XXXX credit bureau reports. Please help me to get a release of lien for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.

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 03/31/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My original student loans were consolidated through XXXX XXXX which was bought out by XXXX. I started getting emails from student loan advocates stating they could have my student loans forgiven. I initially filled out the application for this but after looking ito it and speaking to XXXX about it is was found to be not in my best interest. I contacted the fed loan progran and told them i did not want there services and not to go through with the consolidation of my loans. It happened anyway and I was right it was not in my best interest to go with them, as they are now sending me threatening e-mails saying they are going to garnish my wages and report bad info to credit bureau. I was told i have to pay XXXX dollars in a couple of days to this third party or they will start actions against me. I want nothing to do with this company and need any help you can provide. I have contacted the XXXX and they are helping me get my loans back to the original company who also tried to help me in this matter but did not act quick enough. When I tried to call the numbers given to me all they said was pay or else and hung up. Yes I got mad on the phone and probably said some thing i probably should n't have but who would n't. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is with XXXX XXXX XXXX in XXXX XXXX California. 
I 've been with Hyundai for over 6 years and I 'm leasing a second car now through XXXX XXXX. On my first lease I had over millage and I was told that I would receive by mail an itemized breakdown of the over millage, which I never received. Hyundai claimed they sent a letter and called me, and I never received either. Unfortunately, I found out through my credit score notifications I was past due on a payment. After I notified Hyundai to dispute payment about not receiving the bill they were rude with poor customer service. I 've wrote letters to all credit bureaus and Hyundai. I 've payed the bill and now my credit score and report is ruined. Im always on time with my car payments and never missed a payment so this is clearly an error on their end. Hyundai was sending the over mileage bill to the wrong address so therefore they should provide a Good Will letter to say I 'm in good standing with payments so it 's removed from my credit report. I also checked my online account and billing address, which had the correct address. I will never lease or purchase another car from Hyundai again due to what they did to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (AZ).
Issue: Other transaction issues

Complaint: Last year I deposited A {$50.00} deposit with google " wallet ''. That whole wallet was closed and I want a refund of the {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I called XXXX and Equifax to dispute fraudulent inquiries on my credit file made by a car dealership running my credit multiple times! They told me the company had 30 days to respond and they would be back with me. Its been longer than 30 days and I would like to get to the bottom of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Money transfers (International money transfer) with RIA FINANCIAL (MN).
Issue: Money was not available when promised

Complaint: Hi, An online transfer request of  XXXX  $ was made on   XXXX   XXXX   XXXX     through  RIA fro m  US  to  XXXX . The receipt showed that amount should be delivered by  XXXX  which did not happen. When called on  XXXX , customer support told recipient account was entered wrong and re initiated the transaction making changes.The new estimated delivery was said to be  one day w hich is on   XXXX / XXXX , this wa s on call with customer support, but new receipt showed   XXXX   XXXX   and they confirmed that receipts show differently to original delivery date. Amount was not deposited even on   XXXX   XXXX   but the online status showing as deposited. When called about this, they claim that the amount is deposited, but the recipient ban k manager confirmed th at amount is not still deposited. I have the online snapshots of recipient account showing no amount deposited and RIAs order tracking status along with time stamps. They tell something on call which is entirely different when checked online. This is really needed right away for my family as its causing lot of damage and extra penalty as we were unable to pay the loan at recipients account because of delay in this transfer. I can provide all the receipts and order status snapshots and also request to track the call recordings to get clear proof on how the customer service is falsifying the information to that of online . I hope CFPB w ould help to resolve this complaint as soon as possible and reply back with positive feedback.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went to finance a new car and ended up with XXXX hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: I was told to email this email to notify them of a story that is going on right now. Rushcard XXXX of the leading prepaid debit card companies has been holding XXXX of its customers funds hostage since Sunday night. They reported an update to take place on Sunday night from XXXX to XXXX. It was then released that it would go until XXXX Monday. It is now XXXX on Tuesday and XXXX of customer like myself are without funding. I cant get into my online account because it says its locked, when you call the customer service line it hangs up or you sit on hold for hours on end to no reply, when you email or inbox them it does n't get a reply this is ripping people off. We have no XXXX to else to call no one else to email or inbox. I think the media needs to shed light on this situation. I am not able to make any bill payments, my payroll check has not be loaded to the card, and if you check any of their social media you will see a lot of people that are just like me. Please he lp bring this story to light so we can get something done. We are being bullied out of our funding that we work hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I am filing this complaint because the unlawful terms of this car loan with Santander consumer usa. I requested that this account be re-age and all fees and charges that were added to the account and the demand that I pay the amount of {$2400.00} be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth {$7000.00} for this vehicle, but I still owe approximately {$24000.00}. Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: there is an account from  XXXX   XXXX  that should be removed.   I 've submitted a dispute and added information supporting the removal of this account.   Equifax has yet to remove this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX my home went to sheriff sale with Wells Fargo. We are being evisted. We can not get a place to live due to bad credit repoting by Wells Fargo. They are reporting my foreclosure with XXXX different account numbers, delinquencies, and 2 monthly payments requiredntotalling over {$4000.00}. Wells Fargo changed my acct number in XXXX. Now both are reported as owing XXXX different payments. The Wells Fargo mortgage was transferred to XXXX XXXX when sold at sherriff sale. XXXX XXXX XXXX a second loan is also reported as delinquent of which was settled in the foreclosure and sherriff sale. They have not reported this activity correctly please help. The foreclosure was illegal since XXXX they drag it out so that my statue of limitations expires so I can not take recourse. They chain of title is also incorrect how can they sell it to a new buyer.

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 03/20/2017 about Credit reporting () with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have come to the understanding that Syndicated Office Systems and Central Financial Control are one in the same. However, they are each on my credit score as seperate Company names, but with the same XXXX accounts and amounts for each. I will not pay the same bill twice through each company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is showing a collection of {$240.00} from XXXX XXXX that was reported XXXX XXXX, XXXX. This debt was satisfied with XXXX in XXXX and they are still showing it. Disputed from Equifax and they claimed that they deleted the collection last year but the lender was XXXX now its showing as XXXX XXXX. It seems like the debt was sold to another collection agency. This is hurting my chances to rent a condo and it needs to be resolved immediately. I am not finding any Telephone number for XXXX XXXX to expedite a resolution. Please help Thank you.

Company response to consumer: Closed with explanation