milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED ONE RESOURCES, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: There is 2 Hard inquiries on my credit report that is not mine they are United One R XXXX, PA XXXX ( XXXX ) XXXX which is hurting my score I want them removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In collections, shows {$0.00} balance. Debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the Equifax data breach, which according to their website both my husband and I appear to have been affected by, I have had to spend money and many hours of my limited personal time to pull credit reports, place credit freezes, set up credit monitoring, as well as other tasks to try and get ahead of the potential issues this could cause to my husband and I 's credit. We have worked very hard over the last decade to improve our credit and the continuous data breaches are disheartening ( the Equifax one being seemingly the worst yet ). There is also not a lot of confidence that Equifax truly knows how much data was actually taken, so now there are worries about my parents ' and my children 's credit. I also worry that even though we have frozen our credit, the same stolen data can still be used to unfreeze it. Cyber security needs to be taken much more seriously by the corporations of the world and I want to know how Equifax and the FTC are going to make this right and work to prevent future occurrences. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX 2017 I contacted this company in regards to a debt in which I hold no contract with which resulted in damages to my credit report and future finances. Immediately when I noticed the alleged debt on my credit report I turn to the company to resolve this yet my request has been denied to remove all negative information from my credit report. This company holds no original contract to prove that the amount owed belongs to me. All correspondence from the company are n't sufficient enough at all I received was photocopied information that does not prove nor deemed that I am liable for this debt. As stated before I demand that this company remove all negative information reporting against my SSN immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello Im from XXXX and I had a problem with XXXX in the past because my father shares the same Name as me and when he declared bankruptcy his collection information was applied to my account. I resolved the dispute with XXXX XXXX. I recently applied for a XXXX XXXX credit card and was denied because they report to TransUnionXXXX and that particular company reported to XXXX that I had a collections item still on my account. I spoke to TransUnion and they said that they would file a dispute form about the innacuracy on my credit file. I know that its going to come back and they will deny it because I dont have any information right now to back my claim up. When I delt with XXXX 4 months ago I filed the dispute form and sent XXXX documents that had very sensitive information regarding me and my parents bankruptcy information and these companies should communicate with each other and update information accordingly. This is a broken system and I now have an extra inquiry into my file for no reason. If I would of known I had a collections item at one of the. 2 credit bureaus I would of never applied for a credit card.

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 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I received an offer to sign up for a Citigold checking account. The terms of the offer were that after meeting some requirements like, make XXXX bill payments using the account, I would receive XXXX Citi Thankyou points after no later than 90 days. I have met all requirements and Citi refuses to send my points. It has been much more than 90 days now.

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 02/16/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (DE).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express delivered my XXXX pre-paid cards to the wrong address. Even though I called them multiple times to suspend those pre-paid card and reshipped the pre-paid card, they still allowed the pre-paid card to be used and refused to reship the new cards to me. Eventually, I have to dispute the transaction. However, by doing this, I was charged {$95.00} annual fee without getting the promotion points as I was past the due date to be qualified for the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Home equity loan or line of credit) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (CT).
Issue: Problems when you are unable to pay

Complaint: well i got a loan from credit acceptance corp for a XXXX dodge caravan that put it at XXXXthey repo my van with no calls are mail i was be hide in paymeants and book price is XXXX not XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with U.S. BANCORP (OH).
Issue: Billing disputes

Complaint: I attempted to make a flight ticket purchase on XXXX website. This attempt was made on XXXX XXXX, 2016 around XXXX. The company requested an authorization, however given that they could not fullfil my request they advised that the card was never charged. I confirmed the same on a phone conversation with a representative from XXXX on XXXX XXXX, 2016. When looking at my US Bank account I see that on XXXX/XXXX/2016 a charge in the amount of XXXX XXXX was made and an immediate credit provided for the exact same amount of XXXX XXXX. However US Bank charged my account {$310.00} and credited {$310.00}. They also charged me a foreign transaction fee that they subsequently reversed on my request. When asked for explanation and refund of the missing {$2.00} I was told that I need to ask XXXX as to why they credited my account with a lower amount. Fact is that the account was charged and credited with the same amount of XXXX XXXX. Since the attempted purchase was made on a Friday afternoon, after the XXXX stocks were closed there was no reason why the XXXX transaction should vary in the amount of charge and credit. The fact that US Bank processed the charge and credit on XXXX XXXX, 2016 should also not affect in any way the amount of charges and credit and the account should zero out. There should be no amount owed on the account either way. Please request that US Bank properly process the transaction and credit back the complete amount. 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 10/13/2016 about Debt collection (I do not know) with HOVG, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting constant calls from a company calling themselves Bay Area Credit. I do not owe anyone money and refuse to answer their calls, yet they call several times/day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion has received a police report and continues sharing my credit file. Additionally, there are XXXX credit inquiries that are fraudulent and unauthorized that they refuse to remove. 
XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX 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 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXXL, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX  XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years

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 11-04-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was enrolled in the XXXX XXXX in 2007 at XXXX University. 
I was getting student loans to cover my living expenses, and at mid-term i did n't have the passing score that they required, but was n't aware that i had to have a perfect score at midterm. It was the only program in XXXX that required that. They did not let me return and finish the rest of the semester, so they kept my tuition for the rest of the semester. I could not sign up for other classes because it was in the middle of the semester. i went through the process again the following year with yet the same results. I lost my student loan tuition and got behind on living expenses and had to file bankruptcy. Since that period of time they have now reconstructed the program and does NOT require a perfect score at mid-term. Under my financial conditions, there is no way I can pay any amount. This is the Chase account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed inaccurate accounts on my credit report with Experian, XXXX XXXX After the 30 day dispute I received an reponse to the credit dispute I ask for Experian XXXX XXXX to valadate The accounts through the physical verification of the original signed consumer contract which is required under frca section 609 a 1 A and they did not ..

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a dispute with Experian in reference to a XXXX account showing a past due balance of XXXX . The account was part of a bankruptcy discharged in 2016. Experian responded saying the information was reporting correctly. I reached out to XXXX who acknowledged the XXXX $ was part of a bankruptcy and discharged. I was bounced around various department for an hour or so. They ended up telling me it was the fault of Experian. Experian says its the reporting of XXXX. The account was under a bankruptcy and is being reported as currently past due by 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 non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call @ my place of work from " Fidelity Creditor Service ''. A woman by the name of XXXX informed me that I owe a debt that originated in XXXX from the year XX/XX/XXXX the company 's name is " XXXX XXXX XXXX ''. She claims that it is for {$22000.00}. XXXX proceeded to threaten me with a judgement, attachment of my assets. When i asked why i have not received any invoice or request to pay via mail, she rudely stated " it 's public record..look it up '' and gave me the case #. When I asked how could this debt still be outstanding, again in a rude voice " this debt is renewed every XXXX in the state of XXXX " I told her i do not even live in Ca. and if this debt as you say has my ex-husband 's signature on it, I have not been in contact with him for years. She proceeded to pressure me to provide his contact info to her. 
I told her I need her to mail me this proof of debt. 
After this unsettling claim, I did my research and found numerous complaints about this company as well as a news piece by investigative reporter " XXXX XXXX '' that aired XXXX 2012 : 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 07/19/2016 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Note : This is related to a previous CFPB complaint I filed XXXX/XXXX/XXXX against Capital One. A total of XXXX files are attached including XXXX XXXX XXXX XXXX XXXX and a call log " XXXX. '' THE CALL LOG AND FILE NAMES CONTAIN THE PHONE NUMBER AT WHICH THE CALLS WERE RECEIVED. 
XXXX. Beginning XXXX/XXXX/XXXX while awaiting response from Capital One concerning the CFPB complaint filed XXXX/XXXX/XXXX I began receiving robocalls from " XXXX '' from Capital One. Through XXXX/XXXX/XXXX a total of XXXX calls of this type were received. These calls state " Hi this is XXXX. We would like to discuss solutions regarding an important business matter with Capital One. Please call us back today at XXXX to discuss further. Again the phone number is XXXX. Thank you. '' XXXX. Beginning XXXX/XXXX/XXXX robocalls from a " new '' caller from Capital One named " XXXX '' commenced ; XXXX of this type were received through XXXX/XXXX/XXXX. With XXXX exception all calls from " XXXX '' appear to be the same : " Hi this is XXXX from Capital One. We 've been trying to reach you about an important personal business matter. Please return this call at XXXX. Again the number is XXXX. Thank you. '' XXXX call XXXX XXXX/XXXX/XXXX XXXX just starts with " XXXX '' but the rest of the message is the same. 
Who the " you '' that Capital One has been " trying to reach '' is never revealed in any of these messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance 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 explanation