milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Credit card) with Global Asset Management Group, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they say I owe XXXX dollars from XXXX which I know they are lying because back then I woul have paid it so that tells me they are try ing to scam me. 
the name of collector is XXXX XXXX persons name is XXXX XXXX XXXX phone XXXX I think statute of limitations expired anyway I think they just got my info from another credit card the address they have listed did n't exist In 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
Consumer complaint received 03-12-2017 about Credit reporting () with Avadyne Health Holdings, Inc (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX shows H & R Accounts as Direct Dispute and XXXX does not.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called XXXX XXXX XXXX XXXX has been calling me as well as several other people I know harassing me and them that I pay this bill. The # they are calling from is XXXX. When I have tried to ask them details about this loan they will talk over me and threaten to get in contact with me employer. They 've also said that they are going to file a criminal and civil complaint against me and have my license suspended. I 've asked them in several occasions to email me the information so I can look over it. They refuse to do so and said that they have plenty of times and that I better pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Rewards

Complaint: We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem, they responded by telling me that I had 3 days left to spend a total of {$3000.00}, not {$2000.00}. I reiterated the conditions of their $ XXXX/2 months promotion and asked them to honor the agreement. I still had the original promotion printed out and in my possession. They closed the account instead. Our FICO credit scores are in the low XXXX. This is not the first time I 've experienced this type of problem with Chase Bank. It will certainly be the last time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank Mortgage is reporting " serious delinquency '' due missing XXXX 2013 payment for XXXX mortgage ( XXXX ) & XXXX mortgage ( XXXX ). 
Payments were made with late fees on XXXX/XXXX/13 XXXX {$2400.00} & XXXX XXXX, but being reported as XXXX payments. XXXX payments never sent because the accounts were settled less than full balance and closed XXXX XXXX, 2013. 
Should not be reporting " serious delinquency '' when all payments made through XXXX 2013 and account settled in XXXX XXXX, 2013, so XXXX payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have  XXXX  dismissed chapter  XXXX  cases on my credit report. Upon filing the latter  Chapter   XXXX  case, I included  XXXX  creditors on my form to the bankruptcy department. I later decided not to go through with the bankruptcy and received a voluntary dismissal. All  XXXX  credit bureaus have listed these bankruptcies as dismissed. I disputed both accounts with all  XXXX  credit bureaus and have been told that because the accounts were reported in my dismissed bankruptcy filing I can not dispute the creditors.   The creditors could easily verify that I did not go through with the bankruptcy and investigate my dispute. Instead I am being punished by having the dismissed filing and having to wait 7 years to remove and not being able to dispute these  XXXX  collection accounts.     I HAVE SENT COUNTLESS LETTER S (  TRACKED ) TRYING TO GET THIS RESOLVED TO NO AVAIL. THE CREDIT BUREUAS ARE ALLOWING CREDITORS TO REPORT THAT I AM NEGATIVE EVERY MONTH EVEN THOUGH THEY SAY I AM CURRENTLY IN A BANKRUPTCY PROCEEDING.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: My landscaper ( XXXX XXXX ) notified me that he had received a notice, dated XXXX/XXXX/16, from his bank ( Wells Fargo ) that a {$300.00} check that I have given him on my XXXX checking account had been returned for insufficient funds. Since he had deposited the check in his Wells Fargo account, Wells Fargo notified him that they were placing a hold on the funds and resubmitting the check for payment. 
Since I keep XXXX dollars in my XXXX account and have an overdraft protection feature, I went to my XXXX branch to investigate why the item was returned. On XXXX investigation, it appears the check was paid on XXXX/XXXX/16 and not returned for insufficient funds. I find the sequence of events and dates to be highly suspicious. The sequence is as follows : Check written on XXXX/XXXX/16, Deposit Date XXXX/XXXX/16, Check paid by XXXX on XXXX/XXXX/16, Hold notice sent for insufficient funds dated XXXX/XXXX/16. Plus, there is no indication in my XXXX account history of any returned items. I am suspicious that Wells Fargo is placing unjustified holds on customer accounts, as in this case and collecting hold fees as indicated in the notice or use of the funds while not credited their customers accounts.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I mailed in a payment to capital one and I believe they withheld it to force me to pay late fees. 
as a result I now have a late payment reporting for the month of XXXX XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Payoff process

Complaint: Bank Of America credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a "Pay Statement Balance in Full" option on their recurring payments. This should be considered consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: tried calling all 3 bureaus and explain that my id was used fraudentley to open inquiries on my report and would not help remove them both company and credit bureaus refuse

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They will not remove a account from  American Honda, a s it was in a chapter  XXXX , atv sold, and they are paid in full and I no longer should reflect this account as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PMT Solutions, LLC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The electric company accidentally closed my account and sent the debt to a collections agency. I contacted the electric company per the collection agency to resolve the issue. The electric company confirmed they had accidentally closed my account, but I still owed that debt but I could pay it to them. I paid the amount that same day to the electric company. The collection agency has contacted me several times after I had explain I had paid the debt and I no longer owe it.

Company response to consumer: Untimely response
Consumer complaint received 02/28/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Other bank product/service) with MORGAN STANLEY & CO. LLC (VA).
Issue: Problems caused by my funds being low

Complaint: My wife and I have XXXX IRAs with Morgan Stanley. Since our balances were below a certain amount ( XXXX have a little less that {$2900.00}, but over {$2500.00} ) they have been selling off shares every year to pay a " past due acct fee '' totaling {$50.00} to {$150.00} per year ( the statements and wording is hard to understand ) Last year was the first time I realized what they were doing. So of course the accounts have never gained much in value, as the fees wo n't allow it. 

My wife 's account ends is XXXX So the company that should be helping me accumulate wealth is doing just the opposite to me and my wife. 

What is surprising is that I 've been with them since around 1996 and have a third account that has had values between {$25000.00} to {$50000.00} and no advisor has ever suggested that I do something different to avoid these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fairway Independent Mortgage Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Medical debt) with Quality Asset Recovery LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this

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 08/31/2015 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company has informed me that the statue of limitations has expired on the debt and it is a violation of the Fair Debt Collection Practices Act 15 U.S.C 1692 et seq, to sue for a debt which the statue of limitations has expired. However if i do n't reply to this letter they have sent me or pay the debt in full they will issue a wage garnishment to my employer. And stating again " the only way to prevent this is by paying them in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Consumer Loan (Installment loan) with Admin Recovery, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: A collection agency is contacting my Mother, a XXXX year old with health issues. She told them i do not live there yet they continue to call. On one call they told her to relay the message if i do not contact them before XXXX they would be filing a complaint against me. First of all to tell a non spouse that any action is going to be taking against me is against the FDCPA. They were vague as to why a complaint would be filed which frightened her even more to death to the point when she was trying to give me the message she was unable to find the correct words which happens when she is stressed or flustered. They have one opportunity to leave a message after that the number should have been ceased and never called again yet they have made at least XXXX calls to her. This is a debt I am disputing as over the course of 3 years they continued to take the payment out on the wrong date causing me insufficient funds monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is a account that is listed inaccurately on my credit report for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Experian and  XXXX  have the account listed as Charged OFF when this account was fully paid through agreed judgement in  XXXX   XXXX   XXXX . I have attached a copy of the  Court Record. There is a error please Delete the misinformation.    Th is is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section

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 12/18/2017 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: Information belongs to someone else

Complaint: XXXX no knowledge of account in violation of HIPPA and CRA

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. 
The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. 
When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. 
I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. 

Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. 
Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Non-federal student loan) with NORTHLAND GROUP INC (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The Northland Group on behalf of XXXX continues to call. When I miss their call I call them back and they ask me to verify my address. Every address I give them does not match up so they will not give me any information on what is going on. This either fraud or a scam. This is effect my credit score any they are refusing to give me information because I my address is no the address they have on file and has never been a place I have ever lived. I can validate XXXX and any other identifying information. They are withholding information from because lack of knowledge of an address I have never lived at.

Company response to consumer: Closed with non-monetary relief