milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is holding me liable for debt that I did not apply for. I am a victim of identity theft and they refuse to remove the fraudulent accounts. The fraudulent accounts are XXXX XXXX and XXXX XXXX XXXX XXXX. I 've uploaded my identity theft report to their website and sent a certified mail copy. They are violating federal law by keeping this fraudulent debt on my credit 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 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Company ( Enhanced Recovery Corporation of XXXX, FL ) filed a collection which turned up on my credit report. The collection is for a debt dating from XXXX 2009, which is past the statute of limitations ( SOL ) for Florida. The company never contacted me via mail or any other method. When I called and pointed out the debt was past the statute of limitations, I was told they could not help me. From the company 's information it appears they assumed the debt after the SOL had past, indicating they knew it was invalid, but were attempting to collect regardless.

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 02/13/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX is collecting debt and have put a ding in my credit score. The terms are incorrect, there is no debt to begin with, there shouldn't be any debt collection. XXXX XXXX would not remove the debt from the credit report. The Original debt is from XXXX and have verified with XXXX there is no debt ( see attachment ). As a XXXX XXXX, a phone line is $ XXXX  month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: i contacted credit Karma on XX/XX/18 filled out the information to include my ss # and then they blew me off saying an error occurred so i re entered my ss #. and they came back with a page that said they wanted photographic proof of documents and to send them via fax ..i tried to complain that i felt it was wrong that they took my ss # then threw a wall of XXXX in front of me and well, now they have my info and i have nothing .i did tell them i was going to file with you folks and they put up another page telling me that i had something going on with my identification they asked for photo copies of my drivers licence.?? this just seem over the top to me and im concerned they are not who or what they claim to be.. 



STEP 1 Create your account STEP 2 Tell us who you are STEP 3 Confirm your identity Validation Failed We're sorry, but the answers you provided did not match the information on your credit report. We will not be able to grant you access at this time. 
This process is necessary to ensure our commitment to protecting user data. 
We need to double-check your identity To help us verify that youre really you, we need to see photos of your ID. 

Option 1 : Verify with your phone ( recommended ) Quickly snap and send photos of your ID with your phone for instant verification. 

Continue to phone verification Option 2 : Mail or fax photocopies Follow the instructions to print and send us photocopies of the required documents. Our Member Support team will follow up with you by email ( usually within 5 business days of receiving your documents ). 

1 ) Please provide two ( 2 ) copies of Identification. You must include one ( 1 ) document from each of the categories listed below, one ( 1 ) Primary and one ( 1 ) Secondary. All documents must be valid ( expired forms will not be accepted ). 

Primary : Driver 's License or State ID Passport Green Card /Temporary Resident Card Birth Certificate Secondary : Another Primary Document Social Security Card Utility Bill. ( Address must match at least one on file with XXXX ) 2 ) Mail your documents along with the email address associated with your Credit Karma account to the following address via postal mail : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please do not hesitate to contact us. 

( again. they have my info my ss # and i received this in return )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Payday loan () with DLC, LLC (IL).
Issue: Payment to acct not credited

Complaint: I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I set up an ACH transfer from my American Express Serve account to my XXXX XXXX checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until Wed. XX/XX/XXXX, but I did not get the funds posted in my account until the following day. 
Because of the funds were not in my XXXX XXXX account within the 2-3 days ; I receive four overdrafts fees from XXXX XXXX. I explain to XXXX XXXX several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX   offered to speak to XXXX XXXX directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but XXXX XXXX refuses to speak me amount this matter. As a consumer, I should not pay for any fees because this was a technical issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: At the end of XXXX XXXX I called customer service about the annual fee shown on my credit card statement. The agent said they were unable to waive the annual fee at the time but wanted me to reconsider keeping the card. The representative said that if I paid the fee but decided I wanted to close the card within 90 days, I could have my annual fee refunded and close the credit card at that time. I called again in XXXX to close the credit card since I could not use the benefits any longer. However when I was talking to the agent, they said that they would not refund the annual fee. I told them that I was instructed by the previous customer service agent that I would have 90 days to close the account and get my fee refunded. The representative was adamant that I was wrong and said there was nothing that could be done. I ended up closing my account and Chase was able to trick me into paying an annual fee for a card I do not want to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had sold my residence and had all of my utilities including my XXXX accounts switched over to my new home located in the same town or zip code. The XXXX accounts included my land line, wire less and fax line. My XXXX account was uninterrupted and I transitioned into my new residence without any problems with the same numbers. Any monthly balances outstanding were simply added to my monthly bills and paid accordingly. While at my new residence, I received a call from Midland Collection Management, LLC " MCM '' stating they represented XXXX and that I was in collections for XXXX bill that was outstanding. I explained that I had just moved and I thought everything was fine with all services brought to my new residence. This was the first time I had heard of any amounts owed and it was from a collection agency ( not XXXX ). I had more than XXXX wireless, landlines and fax lines moved to my new residence and everything was current to the best of my knowledge without any outstanding balances owed. No service was interrupted at any time. The collection agency insisted this was for a line that was dropped and not moved or placed on my new billing information. However, the representative from MCM said if I was willing to pay this bill over the phone, they would remove it from my credit report due to the confusion. I apologized and gave them my payment information over the phone and it was processed immediately. The representative thanked me for the payment, gave me a confirmation number and reassured it would be taken off my credit report. The bill was paid immediately when I received the phone call and it was paid in full more than XXXX years ago. However, I was recently notified by the government that I may personal information may have been compromised and I reviewed credit reports from XXXX XXXX and XXXX. Upon review, I noticed that XXXX XXXX reflected the MCM collections account on my credit report as a closed collection account with a " XXXX '' balance owed. XXXX had the MCM collections account listed as an outstanding collections account, with " XXXX '' balance owed. This incident has damaged my credit score after making full restitution and it is still listed as outstanding. The representative informed me that this would be removed from my credit report upon payment due to the confusion caused by the recent move.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Have a report in all XXXX agencies that i have a credit line of {$4200.00} with XXXX balance opened XXXX 2005. I have called them and they do not seem to have a file on under my name and they told me to dispute it with the credit bureau but they did nothing. I have XXXX names which i manage to fix XXXX agencies ( XXXX ) but not the others. Also i have XXXX Hard check in a very short time expand and do not recognize must of them. Hopefully this can be resolve. I am working hard on establishing credit and fix the errors but the Credit bureaus are not doing anything. Thank You for your 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 03/22/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Applied for XXXX Citibank Citigold accounts with promo code XXXX ( AA XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible and would receive a total of XXXX bonus miles. Finished all the requirements and was told that they can not honor because I was not targeted. After initial complaint, Citi deposited XXXX AA bonus miles for the first account ( ending in XXXX ), but still missing another XXXX from the other account ( ending in XXXX ). Dispute has been unresolved for over 6 months.

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 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
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 initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX XXXX XXXX is reporting 30 day late pay on credit reports for XXXX XXXX. I filed a dispute with XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX deleted the late pay for XXXX XXXX and sent a letter to me stating the outcome of the investigation. In XXXX XXXX I was notified by credit monitoring company I had a late pay added to my file for XXXX XXXX from XXXX XXXX XXXX XXXX. I contacted XXXX and they stated they made a error and would send correction to reporting agencys. I wrote a dispute to reporting agency with supporting documentation from XXXX. I received my investigation reports back from reporting agencys with no change.

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 05-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have negative marks showing up on my credit report for a student loan that should NOT be, but rather a  XXXX  benefit that was apparently processed INCORRECTLY. When I applied for classes in approx.   XXXX   XXXX    , I used my   XXXX   XXXX   XXXX   benefit to cover all costs, with  0 bal ance due. After later receiving some suspicious emails regarding a student loan due, I called the college several months ago to check my status, which they said is good, as I am now a   XXXX   XXXX   preparing to use further benefits for my education. My prior attempts to get more information through the suspicious email were unsuccessful, so the college agreed it appeared to be scammers. I am wondering if I need to contact the  XXXX   human resources  again, to check and see how this could happen. Any assistance is greatly appreciated!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Other bank product/service) with Xerox State & Local Solutions, Inc. (GA).
Issue: Using a debit or ATM card

Complaint: I have attempted to resolve this already with Ohio Eppicard, a child support debit card. There are purchases over the course of several months on my account I have disputed, mostly XXXX charges. I become aware of such charges approx XXXX 2016 at which time I notified the debit card company. I was informed the investigation period could take up to 90 days. I recently received notification that the investigation has been complete and I will not receive my funds.

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 05-04-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I received a letter from SLS Mortgage Company, Specialized Loan Servicing LLC, stating that my account was transfered to them from XXXX XXXX XXXX, at that time I was a month behind and my monthly payments was {$680.00}, a few days later I received another letter from SLS Mortgage stating I was two months behind, which I made several attempts to contact them to dispute the amount owed, which was only one month. My wife made a double payment to catch up. On XX/XX/XXXX we received another statement which was for {$2700.00} the double payment was not applied to the account again. In XXXX of XXXX I received another letter stating my monthly payments were going from {$680.00} to XXXX I called SLS and no one would give me any answers, the woman told me in her system my payments were {$680.00} and to continue to pay that amount. The next statement I received was for {$3100.00} dated XXXX XXXX, the other payments were no applied again. My wife made a payment of {$1400.00} via money order, which has not been applied.I had also filed for a loan modification in XXXX, I filled out the modification papers five times because SLS claimed they did n't receive it and it was XXXX it to them each time. On saturday XXXX XXXX, XXXX I received the modification letters and SLS wanted me to pay them {$1000.00} a month, that not a loan modification, that is almost double of what my monthly mortgage is, considering I lost my job. I went through all my paper work I received from SLS Mortgage and found a letter dated XXXX XXXX, XXXX stating I owed XXXX XXXX from XXXX {$990.00}. advances of {$1200.00} and outstanding fees of {$29.00}, this was from XXXX and was included in my bankruptcy. This company is trying to collect on an Bankruptcy account that 's not even theirs.This company has really stressed me with the harassing letters of foreclosure threats, and wo n't post my payments correctly.

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