milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Requested deletion of XXXX accounts in which I have letters from the creditors stating it was to be deleted from all credit bureaus. Everyone except Equifax has complied with the request from the creditor. Equifax continues to state the " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : '' the creditors. I have applied them with the letters, spoken with the creditors, and they stated they have requested this to be removed, and Equifax continues to not do this. The XXXX accounts in dispute is the XXXX XXXX and XXXX. I even requested documentation of what was provided to them on XXXX/XXXX/15 when they verified the accuracy and have not recieved the documentation as of today XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A medical bill collection was placed on XXXX and XXXX under XXXX different collection agencies - central financial control and syndicated office systems, neither of which contacted me via phone or mail notifying me of collection placed. I am willing to settle my debt but I do n't understand how XXXX different companies ( XXXX of which the XXXX alerted me no longer exists ) can expect me to pay to them individually from XXXX medical bill delinquency. I do not know where to go from here. 
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 explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage loan is currently held by Ditech, and Ditech has a glitch on their customer web portal, reporting wrong/erratic payment figures ( one month is shows {$780.00}, next month it shows I paid {$810.00}, next month it shows {$1500.00} ) See attached account page screen shot with figures circled in red. 
I called Ditech severally, sent several emails but Ditech never responded. I went ahead and paid the last figure ( see attached screen shot ) they were asking on the web portal and to my shock a week afterwards, Ditech puts a derogatory report on my credit stating I missed a mortgage payment ( yet no late fees levied by Ditech -- web portal stills ays i 'm in good standing the whole time ). Several calls and emails from me following the credit report has still gone unsanswered this past 3 weeks. Somebody help before Ditech ruins me!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is recurring followup complaint of my earlier complaint XXXX. Citi needs to investigate the actual disputed charges and not the legit charges. The response to earlier complaint does n't support investigation of disputed charges that are fraudulent. 

I have been talking the customer service giving them all the detail though there is no proper action to resolve this issue. This is the worst customer service support that I have ever experienced by any bank. Without looking at this issue Citi is sending me communication that does n't help. I am have been struggling on this issue for last 3 months with no proper resolution. 

Citi has not read my issue shared in my earlier compliant and responded appropriately.

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was told by Original Creditor - XXXX that Nationwide Credit Inc. ( NCI ) is the servicer of this old charged off XXXX store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2016 about Debt collection (Medical) with Accelerated Receivables Management, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX Attorney at Law has been making attempts via phone and mail to collect a debt for XXXX XXXX XXXX in the amount or {$2000.00}. In researching this laboratory I discovered this laboratory is in bankruptcy proceedings and several collection agency 's are attempting to collect for debts that are without merit and unverifiable. I feel as though my husband and I have become a target of these predatory tactics and I wish for this to stop. I do not owe any laboratory any amount.

Company response to consumer: Untimely response
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IQ Data International Violation of FDCPA 807 ( 8 ) ; FDCPA 809 ( b ) ; FDCPA 811 ( a ) ( 2 ) ; damage to credit report. Several CMMR letters to remove and validate. Last CMRR demand to remove was received by IQ Data on X/X/17. IQ Data refuses to respond. I gave them until X/X/17 to remove content from credit bureaus and notify me, and failed to do so. I am in the process of filing a Small Claims Complaint. <P/>I have filed a complaint against the original owner of the alleged debt - XXXX XXXX XXXX in XXXX XXXX. We are still in litigation and no judgments or awards have been ordered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with J.S Resolution Group, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company by the name of JS Resolution called and stated the need a letter from my attorney. He did not state what this was about, but he did state that actions will be taken without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: As a single mother I purchased my home in XX/XX/XXXX with XXXX. Around XX/XX/XXXX I was targeted by a Wells Fargo representative to refinance my home which I stupidly did. He told me that I could take out {$20000.00} equity but at the end I came out the loser with no money back, within three months my mortgage went from {$1300.00} a month to {$1700.00}, then {$2100.00}. The mortgage amount kept changing every month to the point I could n't afford my mortgage anymore. I asked Wells Fargo for a loan modification, I was offered two modifications where the amounts were still almost the same. I told the representatives at Wells Fargo that they were setting me up for failure. They told me to take it or leave it, sell the home or face foreclosure. I wanted to keep my home so I felt that I signed under duress. I was approached by an attorney who told me that he 's done many loan modifications. I thought I was saved. He took my money and left me to face Wells Fargo on my own. Now I 'm facing foreclosure once again and I can not get anywhere with them. One representative tells me I 'm eligible for a loan modification, I faxed my paperwork once again to speak with other representatives who told me that I was n't eligible. They 've been rude, condescending. I was told to do a deed in lieu or face foreclosure. I received a land court letter, now the home is in active foreclosure with no sale date. I have been in lobo with WF for so long that I 'm unable to function properly leaving me with XXXX that I ca n't shake. Please help me in any way you can.

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 05/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Money was not available when promised

Complaint: On  XXXX   XXXX  , 2017, I went  to  the Western Union l ocated on  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  to send a money transfer in the amount of  XXXX    XXXX   or {$7600.00} to my bank account in  XXXX ,  XXXX . It has been three months and I still have not received any information. I have called every day since sending the money and I have been told that the matter would be escalated to the direct to bank department and that I would receive a call back and no one has ever called. Today I called several different numbers and they informed me that it was deposited into the wrong account and could not be retrieved. Basically, they are refusing to refund me the money or attempt to collect the money to the account that it was deposited to.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: At XX/XX/2017, I received a offer deal information in my Bank of America XXXX account, which states I could earn a {$100.00} bonus after I receive two direct deposits of at least {$250.00} each within 90 days of new checking account opening. So I opened the account at that date, and I received an additional confirmation letter from Bank of America at XX/XX/2017, reference # XXXX. From then, I have received multiple direct deposites more than {$250.00} including payrolls and tax refunds, but I still didn't receive the bonus until today. I have contact Bank of America about this issue, but the representatives continus telling me that I should not be targeted for this offer because I have already took this bonus before. I acknolwge that I had another {$100.00} bonus from Bank of America in the early 2017, but the second offer letter doesn't mentioned this is a once per lifetime offer. As a result, I want want to get your help to receive the {$100.00} bonus from Bank of America. 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 monetary relief
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My complaint against Experian anf XXXX  is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. Experian and XXXX  are not aware of that law. 

Other discrepancies also exist. Experian nor XXXX have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The Experian reporting always lists those terms and they are without credible data. 

I would like Experian and XXXX to correct their reporting and provide me with the corrected 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 non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: One month  behind which does not justify them calling my landline and cell. They NEVER leave a message, just keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am victim of identity theft and have informed Equifax that I filed FTC report and can they remove fraudulent accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a request to American Education Services to apply a natural disaster forbearance in order to prevent my loan from defaulting. I gave all the information requested and every time, I received a letter stating they needed the same information they requested. Every time I called in and gave them the information and every time they restarted the request, stating that it was a computer issue. When they finally did put the forbearance through, they completely ignored the loan that I had been requesting the forbearance for and then they defaulted that loan. I had requested it specifically to avoid that happening. When I emailed them to address the issue, they completely ignored my email. It 's been a week and a half and I have received no response and the issue has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with Pressler & Pressler, LLP (NJ).
Issue: Delinquent account

Complaint: My name is XXXX XXXX. I had a XXXX XXXX XXXX card back in XXXX. I moved and did put in changed of addresses. I never received a bill from the Company. I just received a letter from Pressler and Pressler telling me they will garnish my wages. I told them I can only pay XXXX a month or so. I only make XXXX and hour. I have other bills to pay including a car payment and car insurance payments and high rent. I have a 5 XXXX XXXX XXXX born XXXX XXXX, XXXX and my Fiance got laid off from her job so its hard to make ends meet. Until recently when I received the papers from The Collection agency telling me they will garnish my wages I never heard from them before or the Credit Card company with Invoice to pay the bill. I always put in a Change of Address since all the other companies like XXXX and XXXX XXXX and my Cell phone were able to send me bills. If the garnish my wages and I only make XXXX My infant son will not have formula or diapers. My son needs XXXX. If he loses his Affordable Health I will have to pay out of pocket .I would not be able to pay my gas and electricity or my car payments or Rent. At this time I ca n't even afford health insurance for myself but I do have it for my son from Affordable Health. My Fiance cant even afford Health Insurance as well. I am willing to pay at least {$25.00} a month to Pressler and Pressler till I can get back on my feet and get a better paying job to support my family. I need my payments lowered by this Collection Agency. I can pay {$25.00} or less a month that is all I can afford. I have to provide for my family on XXXX an hour

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus refuses to send me my loan payoff in a timely fasion, I ordered it on the XXXX, and over 7 days later I do n't have it, they are telling me another 24-48 hours. they wo n't connect me to anyone that can help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in New York which is the latest address reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Portofilo Recovery has been calling me 3 to 4 times a day on a debt that I know I do not owe. I have told them to cease all calls and send mail via for communicating purposes. Since XX/XX/2017 I have received more than 4 calls a day and they are very rude. I sent them a letter for them to cease all calls but they keep calling with threats of jail time and or court.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with JPMORGAN CHASE & CO. (MN).
Issue: Closing/Cancelling account

Complaint: Chase is closing my oldest credit card from 2005 without any reasons. Because of this my credit score will suffer. We are looking to buy a house in the next XXXX month. It looks like nobody at Chase care abut consumer. Please look into this practice from Chase. I would prefer to keep this account open. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (UT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This debt collector has used inappropriate tactics in order to collect a debt and has withheld information regarding my debt. I have asked repeatedly for more information and they seem to not want to give out more information regarding what arrangements I can make, nor make reasonable payment arrangements. As well as, their is n't a way to make a payment online, which while forces me to call and make a payment, while sustaining the abuse.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation