milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). 
An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. 
Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. 
As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. 
Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. 
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). 
According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. 
I have made every monthly due on the 1st day of the month ( Due date ). 
I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. 
Best Regards, 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 04-05-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit line increase/decrease

Complaint: I have been making payments on my credit card bill on time and more then the amt due and Macy 's have lowered my credit limit twice. The first time I dealt with it but this time they took all the money I had made and left me with a {$500.00} limit and available {$29.00}. I made a total of {$370.00} ( available credit ) and was left with a balance of {$420.00} to pay off. Macy 's had no reason in lowering my credit limit. I cancelled my card and will be cancelling the last payment made with my bank. Macy 's does not appreciate their customers especially the ones making payments on time. How can you just take away my money?

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 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Pursuant to FCRA I am writing to your company today to advise you of ID Theft resulting in fraudulent accounts/inquiries on my credit, you are required to investigate any negative and/or derogatory listing which I submit a dispute on. When I have notified you of the following information the proper action has not been taken. A proper investigation has yet to take place, if this complaint is closed without proper action being taken by your company. I will seek legal means to take action against your company through the judicial process. I have sent all paperwork necessary for a dispute with Transunion, including an affidavit, police report, letter from the DA, and a cover letter on which accounts I was a victim of identity theft. I mailed them US priority mail, I have yet to get a response back. The police report and the letter from the DA verified that I have had numerous accounts that had been opened fraudulently while serving in the US Military. There have also been countless inquiries considering the accounts/inquires were opened and or requested without my knowledge or consent FCRA requires them to be removed within 30 days. If this is not done it is punishable { {$2500.00} } per offense. I will seek the maximum allowed by law if the following accounts/inquires are not removed within 30 days for receipt of this complaint. First I want to address the is the collection account XXXX from XXXX XXXX. Second I would like to address XXXX from XXXX XXXX XXXX XXXX This account was mine, however, I was never late! And, I paid it off. Please refer to my XXXX and XXXX credit reports that I have attached for verification. Third account # XXXX from XXXX FI. This was not me and is fraudulent. Fourth account # XXXX with XXXX XXXX. This was not me as well. Fifth, account # XXXX that was originally with XXXX and now is with XXXX. Again, this is not me and I 've sent documentation from local law enforcement proving all of these were identity theft. Sixth is account # XXXX that was originally with XXXX and now is with XXXX XXXX XXXX Seventh is account # XXXX that was originally with XXXX and is now with XXXX XXXX . I have never even been to this place. Eighth is account # XXXX that was orignally with XXXX and is now with XXXX XXXX . Again, I have never been to this place. Ninth is account number XXXX with XXXX XXXX. I have sent notice to the companies directly and they have been ignored so under FCRA these all need to be removed and/or fixed without further delay. As a credit reporting agency when a company fails to provide PROOF which they are not able to do ( The addresses and phone numbers on these accounts do not match my own or the companies simply will not provide the information ) the accounts must be removed BY THE CREDIT BUREAU under FCRA.

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 05/27/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently received a recent copy of my credit report and I am stunned to find out that this company has placed false information on it. I am very stunned to see  XXXX  open accounts that this company is reporting to the credit bureaus totaling {$19000.00} therefore I am demanding VALIDATION and HIPAA authorization.Under the law I am allowed to protect my privacy and medical records from third parties. I would like to see an actual contract between me and this company. One that I actually signed and that they actually signed as well NOT some bill or computer generated statement with my name and their account number on it. I would also like to see proof of monies given to me with an accounting of every cent used, every cent paid, every bit of interest applied, and the date any of those events occurred. I imagine you can understand my frustration in trying to resolve this issue considering this company never contacted me via phone or certified mail if this debt is indeed valid and indeed is mine. This is my next step because I 've tried to resolve this issue via the credit bureaus and BBB but to no avail

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 (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (KY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (CD (Certificate of Deposit)) with DISCOVER BANK (IL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I have a 6 figure CD with Discover Bank which matured on XXXX. 
I called Discover 4 times, XXXX, XXXX, XXXX and XXXX. I also sent messages via Discover 's web site and received acknowledgments of my messages to close the account and send a check. 
On XXXX I talked with a supervisor, she told me my account would be closed and an EXPEDITED check would be sent to me. As of XXXX I have NOT received a check. 
As a matter of fact on XXXX I received a USPS letter saying I renewed my account. Even after they told me they would close my account. I received letters and Emails saying I RENEWED my CD. I have received 8 Emails 4 web site messages as well as calling 4 times to close the account and send me the proceeds. 
As of XXXX the told me they would send a check. I WO N'T BELIEVE IT UNTIL I GET THE CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.

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 11-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Privacy

Complaint: American Express, listing itself with XXXX different addresses, has repeatedly run my credit report illegally. These inquiries are 'soft ' inquiries, however, it is illegal! I have not been a cardholder or done business with American Express in over 12 years. I also have a LIFETIME ban with all credit reporting agencies for promotional inquiries. I do not know why this company feels that they need my credit report but they will be sued if they run my credit report again. They have done this several times a years for the last several years. American Express is to not contact me or run my credit again for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: There is a negative item on my credit report from XXXX XXXX XXXX. I have no record of the account which was from 2003 and neither does XXXX XXXX XXXX. I have called them several times over the last two month and have been told that they do n't have anything listed under my social security number. I also opened an investigation with all three credit bureaus and Experian will not take it off of my report despite the fact that I submitted a written request detailing the issue.

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 02-12-2018 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: For many years I had an account with Washington Mutual and was rewarded by the bank with a free checking account and safety deposit box. Since this bank was taken over by Chase Bank I lost the key to the box in the process of moving. Now it seems that Chase Bank cant find the box. Unfortunately I had a large amount of jewelry and stock certificates in the box. I last accessed the box about 4 years ago when I put additional items in the box. After that time I moved and have gone through everything that was packed. A few boxes were missing. 

I asked Chase if they could check one of my old statements from Washington Mutual as it box was listed on my statements. They can only go back 7 years which was after they took over WAMU in 2008 Do I have any Recourse? i was told that the old sign in cards had bee replaced with an electronic database. They do not have many safety deposit boxes that were the smallest size and if one has no key and no nameitshould arouse some suspicion. 

Thank you for any help or suggestions. Can I hire some legal advice? 

XXXX! o XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Rickart Collection Systems, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was mailed a letter on XX/XX/XXXX regarding a debt that was due. 
I contacted XXXX from the company on XX/XX/XXXX and told her that the debt was paid. She required me to provide proof. I explained that the initial debt holder who contracted with RCS should provide that as I made full payment of the initial amount owned to the initial creditor in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Enterprises, LLC (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. 

I was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. 

I since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. 

I do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation