milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (HI).
Issue: Other

Complaint: I had a credit balance on my AMEX card for almost {$3900.00}. On XXXX/XXXX/2016, I submitted a request for a refund of the credit balance. The amount was deducted from my account and told me to expect a check. Several weeks later, I still had not received a check. On On XXXX/XXXX/16, I called phone # on back of AMEX card. Spoke with XXXX, emp number XXXX. This person said the check had been mailed to my work address ( I never received it at my workplace, and the work address was not the AMEX address of record ). I was told that AMEX would issue new check to be sent to the address of record on XXXX XXXX, XXXX HI. Today, it is XXXX/XXXX/16, and I have received nothing. What especially angers me is that a prior large credit refund took THREE YEARS for AMEX to pay to me. They ultimate did issue a check, but for the original amount without any interest. I had called them during the 3 year period but they had said the check had already been cashed ( which was untrue ). Please, please, help me get my money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One is acting UNREASONABLY, as i have had the a ccount since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX  XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, Experian, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, Experian, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Armada Corp. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I, XXXX XXXX, have reviewed my credit report multiple times. I have called/emailed the collections agency, Armada, about medical debt that should not exist on my report, as I was insured through the state of Washington, and was previously XXXX inXX/XX/XXXX. However, I did not realize that debts from years ago could be disputed. I had n't checked my credit until after I moved to Pennsylvania. I received no notices from Armada, or from the original creditor ( XXXX XXXX Clinic ) about my medical debt, which is roughly {$1800.00} or more, reported last on XX/XX/XXXX.
I tried calling Armada inXX/XX/XXXX, but the number was no longer in use. It says on their website that they still use the same number. I tried to contact them via online form inXX/XX/XXXXproviding my name, my debts, my email, and my phone number. I have not heard back. I tried to contact them again on XX/XX/XXXX, after being turned down for a loan. I still have not heard back.
Those charges on my credit report should not be on there, but I was unable to dispute it due to the identity verification process. I chose answers from " none of the above, '' because I did n't recognize any of the information - a red flag that identity theft may have occurred, or is still occurring. Regardless, if I can not reach the representatives at the XXXX XXXX XXXX to resolve the issue, then I should not be penalized, nor should my credit score suffer, as well. I have tried contacting them, but I receive no attempt to communicate on their behalf.
Please reach me at XXXX and leave a detailed message on how I can return your call. I do not answer numbers I do not recognize, especially XXXX numbers. If you leave a message, I will call back, but if you do n't, there 's a good chance that you wo n't be able to reach me. Thank you for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Walwick, Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Real simple case here that XXXX and Merchants Credit Association has ignored. This is about a {$88.00} bill that I can easily pay BUT I refuse to since XXXX  incorrectly billed me and Merchants Credit Association ignored my response to their letter where I clearly disputed the validity of this alleged debt. 

Details : - My family and I rented a house and XXXX supplied garbage and recycle services. 
- My family and I moved out at the end of XX/XX/XXXX. 
- During early XX/XX/XXXXwe contacted all the utility companies and told them we had moved out. 
- XXXX kept billing us so I called and disputed the billing. 
- The owner of the house also called XXXX and he was told that there was no outstanding bill. 
- Fast forward a few months and I get another bill from XXXX. I again called and disputed such. This time they asked for proof of us moving. I happily emailed them the official USPS address change confirmation. 
- I hear nothing from XXXX for several months until I get a collection letter from Merchants Credit Association out of XXXX, WA - I obviously dispute the Merchants Credit Association attempt to collect a debt. I include the USPS email showing our change of address confirmation as well as a letter from the owner of the house stating that we moved out and that the bill is his not ours. 
- A few months go by and I hear nothing from XXXX or Merchants Credit Association BUT I get an email that my Equifax credit report has changed and when I look there is a collection from Merchants Credit Association. 

How can they get away with adding a silly $ 90+/- collection to my credit report when I clearly disputed this debt? 

I have the ability to pay the silly {$90.00} but since I do not owe this bill I chose not to pay it. Now it has cost me several hours of work and stress! 

Merchants Credit Association is probably gambling that I will just give up and pay a bill/debt that I do not owe due to the incredible hassle to prove I do not owe it. 

WRONG! - I will pay a lawyer {$1000.00} to clear this up before I pay XXXX and Merchants Credit Association for their obvious mistakes. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Merchants Credit Association XXXX XXXX XXXX XXXX, WA XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 12/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I had XXXX charges that cleared last week, then my Wells Fargo account went negative qith XXXX charge. When I looked at my account again, XXXX or XXXX of the cleared charges had now shown a date that was after the account went negative. The next day, all XXXX charges were now after the overdraft date and the bank charged me a {$35.00} late charge for each of these purchases ( between $ XXXX ). So, I am even more negative now ( from {$170.00} to {$340.00} ). Also, within the last month, I have gone negative XXXX, but the bank later reversed the charges -- was charged an overdraft fee for each instance even though the overdraft had been reversed by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I wish to avoid foreclosure on my home so my attorney submitted an offer for short sale to my servicer PNC on XXXX/XXXX/2016. At the time there was a sale date set for XXXX/XXXX/2016. The sale date was then extended to XXXX/XXXX/2016. Upon following up with PNC in XXXX 2016, PNC stated they had closed the request for short sale because it was received less than 30 days prior to a sale date. My attorney then advised them the sale date was extended to XXXX/XXXX/2016 and therefore it was actually received 39 days prior to the new sale date. PNC then stated that they will not accept the request until after the sale date had been extended. Which makes no sense!!! Common sense tells us that sale dates are only extended for 30 day periods at a time. So how is someone supposed to wait to submit a request until after the sale date is extended, but still get in the request more than 30 days prior to a sale date??? 
This makes no sense and it appears to be a rule PNC uses simply to evade reviewing someone for assistance. There is no reason why we should have to refax in the same paperwork and offer they already have on file from XXXX/XXXX/2016. They received the request 39 days prior to a sale date and simply making up a rule that is impossible to meet, is not a valid reason to evade review of a request from someone to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with SHD Legal Group, P.A. (FL).
Issue: Trouble during payment process

Complaint: Due to the mishandling ( purely ignoring ) the information ( insurance documentation ) which began a series of events, a house I own is now in foreclosure. I 've tried tirelessly to have the issues addresses which XXXX XXXX XXXX XXXX even the CFPB, and now, the attorneys handling the foreclosure SHD Legal Group PA, XXXX XXXX, FL ) just ignore all correspondence. I 've continually attempted to proactively address issues prior to 'escalation ' but no one seems interested in that, probably just interested in acquiring a home worth over {$200000.00} for a loan amount that should be $ XXXX or less and I 've stated several times I could pay off with cash. 

I provided SHD Legal Group with not just the information that began this entire situation but at that point they also had my best contact information but they have yet to be in contact. Based on the information I assumed they would quickly reverse course and check the facts to reduce the damages I have suffered ( obviously this has hit my credit ) but they have not at all. 

I 'm also here, just like I 've always been, I 'm not running from this but I 'm getting word of the process server harassing/scaring the tenants and now my work which if someone would just ask to meet up, they just need to be in contact, in writing, everything in writing ... The fact is usually work from home and this past week my XXXX year old mom had pretty serious XXXX and it did n't go too well so I 've been at the hospital quite a bit. This is a two way street though, be in touch, I 'll address their issue of where we can meet up and I request information related to why or why not they have refused to be in contact and consider the information sent to them. I have attached a copy of the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.

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 06/29/2017 about Debt collection (Private student loan debt) with AES/PHEAA (OH).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In XX/XX/XXXX, I signed an agreement to pay an attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) for the amount owed to the original creditor ( National Collegiate Student Loan Trust,  {$100.00} each month, due on the XXXX of each month. I have made satisfactory payments and am in good standing with this company. However, several months ago I noticed another company, XXXX XXXX , XXXX, was reporting this debt in collections. I have never received any communication from this company, including voice calls or written notification via email or mail, that I had outstanding debt with this company. When I tried to contact this company in the past ( the most recent phone call was XX/XX/XXXX ), the person I spoke with at XXXX stated he could not locate an account under my name or social security number. When I explained the situation he stated he was not sure how to help me. I asked him to please transfer me to a manager. He transferred me to a woman who was not a manager and again, was unsure how to help me. She placed me on hold several times before transferring me to the attorney 's office ( XXXX, XXXX, XXXX XXXX XXXX ) without my knowledge. I had no idea I was speaking with their office. The attorney was not able to help me as they state they do not report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Theres a whole bunch of credit inquires on my credit and i barley turned XXXX yrs old i havnt done anything to mess up my credit please help i need toget a loan n want to get a credit card n havnr tried but says i have??

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America  Loan No . #  XXXX   Phone No. #    XXXX  Monday - Thursday :  XXXX    XXXX   -  XXXX   XXXX    Friday :  XXXX  a.m. -  XXXX    XXXX     Saturday - Sunday : Closed  XXXX   XXXX  Loan  No.  #  XXXX   Phone No.  #  XXXX  Monday Thursday  XXXX   XXXX  CT Friday  XXXX   XXXX  CT Saturday  XXXX   XXXX  CT  XXXX   XXXX   XXXX  Loan No. #  XXXX  I received this information on Friday  XXXX  Fax :  XXXX   XXXX   XXXX . #  XXXX  Ext :  XXXX  Mon- Fri  XXXX  to  XXXX  PST After  5 long years of giving Bank of America all the documents they requested for working out a Short Sale the S hort Sale personal finally agreed to allow me to do a Short Sale.     Bank of America agreed to a payoff of {$200000.00} in which they would be paid in full.      XXXX  agreed to taking a loss and receiving {$2500.00} because Bank of America threw in everything they could to maximize their payoff amount and wouldnt negotiate at all a smaller amount.     Bank of America with my permission recorded every verbal transaction I made with their personal.     We still have a buyer for the house and they agreed to pay {$220000.00} and are still waiting for the Short Sale to take place.     On or about  XXXX   XXXX ,   XXXX   I called Bank of America and customer service answered and informed me that they now longer service me and they sold my loan to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  &  XXXX ,  XXXX , CA  XXXX .    XXXX  or customer service  XXXX   XXXX   XXXX   XXXX  My question is why would Bank of America sell my loan for pennies on the dollar and take a loss when they were going to be paid in full?        XXXX   XXXX  (  XXXX  ) is my real estate agent and he is still baffled why Bank of America did that unless theres something wrong and maybe they dont have the deed or something else is going on?

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 03/13/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation