milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: To whom this may concern : On XX/XX/XXXX, I received a paper letter from " XXXX XXXX, XXXX '', a collection agency, in regards to a debt of {$2200.00} owed to PayPal. I have a current account with PayPal that has no apparent association to this debt. In this letter it is indicated that the debt is too old to sue for but could be " renewed. '' Immediately I contacted PayPal on this matter, was transferred to a representative I was told was in a department who handled fraud, and I e-mailed a copy of this letter to XXXX. I was told a fraud investigation would be undertaken and I could contact PayPal at my leisure in regards to this matter. 

About 5 years ago my identity was stolen and used to open utility accounts and other accounts without my knowledge, so when I finished speaking to PayPal I also filed a complaint with the Better Business Bureau and the Consumer Financial Protection Bureau ( CFPB ) to take all steps to enure my identity is protected and this matter is investigated to the fullest extent of the law. Today, XX/XX/XXXX, I received a follow up from CFPB with a response from XXXX XXXX , XXXX., who indicated that they had investigated this supposed debt, found there to be evidence of potential fraud, and returned the debt the PayPal Inc. With this new information, I contacted PayPal customer service who could not find any evidence of a fraud investigation being undertaken by PayPal in regards to this matter and referred me to the Collections Department, who mysteriously were unavailable and my call was dropped. 

I have no knowledge or record whatsoever of the debt to PayPal , Inc., nor can I understand how after spending so much time on the phone with PayPal on XX/XX/XXXX that no record exists of my fraud complaint. As of the the composition of this notice, I have spent more than 6 hours on and off the phone with PayPal Customer Service in regards to this false debt with PayPal having yet to take action as a result of those phone calls, and at about XXXX on XX/XX/XXXX I have e-mailed PayPal 's resolution center in another attempt to get a serious response to address this issue and have to now only received an automated message indicating the message was received and will be reviewed. 

I can not accept or allow XXXX to attempt to collect a false debt of {$2200.00} with the potential of having effect on my credit which I have spent the past 7 years rebuilding after I was a victim of identity theft between XX/XX/XXXX and XX/XX/XXXX. I wish to resolve this matter and am prepared to take whatever steps are necessary to ensure this matter is resolved, thank you for your assistance. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Credit card protection / Debt protection

Complaint: There was a {$2000.00} charge on my credit card for " XXXX '', we had disputed the charge with Chase, and after 3 months of reviewing it they denied our dispute and said they had no other information available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: XXXX XXXX XXXX has been reporting an collections account on my credit report with all three bureaus. I've never had an account with this company and requested debt validation via certified mail in the form of an original signed contract between myself and the company. The company was not able to provide said document and I submitted the letter, copy of the certified mail receipt, and the contract that they sent back to me ( between myself and another company ) to the bureaus via disputes. Despite the fact that I've shown proof that I've never had a contract or done business with this company, the bureaus will not remove the account and the company continues to send the bureaus lies. XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX or 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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, 2016. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

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 04-06-2015 about Mortgage (Reverse mortgage) with GENERATION MORTGAGE COMPANY (OK).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign. 

Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me! 

I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366! 

I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage. 

In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Name is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX, this agencies have given out erroneous information.My creit rate for loand etc has risen due to their false data.. please investiage thes agencies under my name.I 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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.

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 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.

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 07/29/2015 about Payday loan () with LDF Holdings, LLC (MN).
Issue: Received a loan I didn't apply for

Complaint: I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

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 06-07-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I received a netSpend letter in the mail containing a Debit card that is to be activated at my request if desired. I never requested or wanted a Debit card from the Company NetSpend. This is the most unprofessional business in existence. Not only did I not order this card but it could of easliy been activated without my permission and have my identity stolen. I do not have a active or existing account with this Company. The Card number displaying on the Debit card is # XXXX the account number is XXXX from what the document presents in the letter. I would please like to be taken out of there mailing list and also have this Business company NetSpend not ever solicitate to me with any offers ever again. My identity could of been compromised because of this unprofessional business company called NetSpend XXXX XXXX, Texas 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at XXXX XXXX for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and XXXX XXXX   is doing nothing to take care of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX pulled my credit report on XX/XX/XXXX through Experian. XXXX may have pulled this inquiry to the other credit reporting agencies as well. XXXX has fraudulently done this before back in XX/XX/XXXX and I spoke with the manager and he told me even though XXXX was included in my bankruptcy filing they are deem to pull my credit report when ever they choose to do so. My lawyer called XXXX lawyer and since XXXX was included in my bankruptcy, XXXX was demanded to delete the three credit inquiries and they did. I recently checked my credit report and XXXX did it again, they pulled my credit report on XX/XX/XXXX. They probable did the other credit reporting agencies as well. I am sending a copy of the bankruptcy file were XXXX is listed on page 11 and a copy of my credit report with Experian. Sacor address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas -- this is the lawyer address. XXXX 's physical address is XXXX XXXX XXXX, XXXX, CA XXXX. There number is XXXX their email address is XXXXXXXXXXXX. My account is XXXX. I as asking XXXX to remove any and all inquiries from all three credit reporting agencies and to quit bothering my accounts and me. I am done with them. They were included in the bankruptcy filing and if I can I want to sue them for character and credit damage.

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 09/15/2016 about Consumer Loan (Installment loan) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Medical debt) with Healthcare Collections-I, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: HEALTHCARE COLLECTIONS INC/HEALTHCARE COLLECTIONS LLC, ACCOUNT NO.    XXXX  has placed a negative report on at least  XXXX ,  XXXX  AND  XXXX   credit bureaus.They  are a collector for  XXXX   XXXX   XXXX  in  XXXX  CA.   At the time of emergency treatment there in  XXXX -2015, I was covered by both   XXXX    and  XXXX    XXXX   XXXX   h ealth plan.The hospital wa s aware of this coverage at the time of service.I should have no bill or collection for a bill whatsoever as I was covered by insurance at the time of service.

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 09-11-2016 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A Representative of XXXX continues to call & harass me over a time-barred debt with Bank of America. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.

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