milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations ... Their report # XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 11-11-2016 about Payday loan () with EZCORP, INC. (TX).
Issue: Can't contact lender

Complaint: On XX/XX/XXXX, I received a call from a mediator named XXXX She advised me that EzCorp had been trying to contact me for some time in reference to a loan. I asked her for details but she said I had to send payment first and then I would recieve information. I asked for date of loan. Said all she could tell me was it was from XX/XX/XXXX. I ask for written documents. Was denied. As well as my rights.

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 01/28/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Account opening, closing, or management

Complaint: I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Hello, Pressler and Pressler LLP Counsellors at Law XXXX XXXX XXXX. XXXX, New Jersey XXXX. XXXX ( XXXX ) XXXX are trying to collect on a debt that is past the statue of limitations. Furthermore, it is my husband 's who is deceased. The original debt is a credit card sold to XXXX XXXX XXXX. So not only is Pressler attempting to collect this expired debt so is XXXX! Moreover, where they served/mailed the court notice is a place I have n't lived for three years! It was wiped out by the 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 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX  placed a wage garnish on my salary without appropriately letting me know. This account has passed the statute of limitations. XXXX XXXX  has responded to my complaint and none of what they addressed in their letter makes any sense. I want to take escalated action against this credit card company as they now responded with information that does not pertain to me. I never had an account of any kind with XXXX XXXX  or XXXX XXXX. They have also indicated that they have not perused any action against me to repay anything. I strongly believe that I have been fraudulently scammed and my identity compromised.I am demanding that any draconian unlawful action taken against me be immediately dropped and the wages unlawfully taken from me be immediate reimbursed. XXXX XXXX is known for falsely and unlawfully making claims against clients. They were in the past involved in a lawsuit according to this accusation. Without further adieu all claims of a wage garnish need to be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit line increase/decrease

Complaint: Extended credit of $ XXXX addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. 
Therefore, I can you forward to me at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My bank is charging me {$190.00} a month for PMI to insure they get paid. I pay the premiums. I asked to get it waived and they said I need to get an appraisel to see if the value is high enough. Surprise! The appraiser must be theirs and it costs another {$360.00}. It 's their appraiser and not an independent one that I could shop for. Unethical!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt comes from XXXX XXXX and list for {$1000.00}. Someone used my social security number with XXXX and set up an account and never paid for it. I need XXXX XXXX to clear and update this debt as positive and remove it from my XXXX report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Piggy  Back on  Closed   File  :  XXXX  In response to your information : -I Called on   XXXX   to discuss the fraudulent credit inquiry on   XXXX    . After I called and gave private information to your Call Center, I got another hit on   XXXX   - from SYNC - I then again called on   XXXX   XXXX  o gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  X/XX/17    - from  XXXX  - I call again on     XXXX   XXXX  nd provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from  XXXX  I have called other places and provided my   XXXX   number via phone and no issue. But everytime I contact your contact center or  XXXX  bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  XXXX  times in a row, this provides me enough information to believe that somehow their is a breach between Transunion and  XXXX  transmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through   XXXX   bank has been processed either that day or the next day -  XXXX  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving   XXXX   bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls Transunion or  XXXX  and personal information/transmitted between  Trans  and  XXXX , that person private information is misused in another fraudelent inquiry from  XXXX  again.

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 01-04-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Credit line increase/decrease

Complaint: Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Bank of America to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry 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 explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried to contact Experian regarding incorrect and outdated information on my credit report via direct mail per the addresses provided on thier website. each time mail come back to me " RETURN TO SENDER ATTEMPTED - NOT KNOWN UNABLE TO FORWARD ''. Why are they allowed to do this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are tax liens on my credit reports that have been paid, released, and dismissed. The records are reference numbers : XXXX for {$710.00} XXXX for {$780.00} XXXX for {$1500.00} XXXX for {$37000.00}

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 07-07-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: I found a XXXX Bulldog for sale on XXXX after finding thepuppy I thought was right for me I contacted the individual whichwas through his email listed on his XXXX. After initial email at ( XXXXPDT ) on XXXX XXXX the individual responded back with a lengthy emailat ( XXXX PDT ) with pictures of puppies for sale. He inquired aboutwhat type of living conditions would the puppy be in have we everowned a puppy of this breed, etc. After XXXX emails on the XX/XX/XXXXI sent an initial {$300.00} via Western Union tracking number at ( XXXX PDT ) to XXXX XXXX at XXXX XXXX XXXX XXXX the XXXX Bulldog was said to be dropped off and ready for shipping. Later at ( XXXX GMT ) I recieved an email from XXXX XXXX stating I needed to provide a temperature controlledcrate for the bulldog that the crate provided could not be used fortravel. At XXXX PDT I sent via Western Union {$900.00} to XXXX XXXX XXXX XXXX XXXX. I then received and email with shippingdetails and arrival times of the XXXX Bulldog. On XXXX XXXX Ireceived an email at ( XXXX PDT ) stating I needed to send {$2500.00} splitup into two payments. One payment of {$1500.00} to be sent to XXXX then a following payment of {$1000.00} to be sent to XXXX XXXX. 
After receiving this email my wife and I called and said we will notsend this amount and we want a full refund of all money sent and wegot hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for XXXX. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Experian says it will show on my credit report as a released tax lien until XXXX XXXX. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XXXX because I had no clue that I was in repayment until XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Payday loan () with GVA Holdings, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I recieved a {$500.00} loan from a company called NorthCash on XXXX/XXXX/2016. Loan agreement had me do first payment of {$120.00} and XXXX payments of {$170.00}. So far I made XXXX payments. Since Northcash is not licensed in the State of Oklahoma the loan is illegal! On XXXX XXXX, I sent a letter to Northcash stating that they are not licensed in Oklahoma and I 'm willing to pay the principal of the loan which I owe {$35.00} since i paid {$460.00}. Hours later I received an email from Northcash stating as a courtesy, they will wave all fees and interest and I owe only {$35.00}. A few hours later I received an email from Northcash stating that I have a balance of {$410.00} and I can do XXXX payments of {$130.00}. I called and talked to the representative and she claims because if my age I do t know what I 'm talking about!

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 EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the XXXX and Equifax credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for XXXX and Equifax to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. XXXX and Equifax should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. XXXX and Equifax does not have proper fraud detection measures in place to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Mortgage) with Ditech Financial LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan.  I contacted the lender and we agreed to a settled amount.  I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail.  They refused.  They were only willing to show the debt as paid for less than outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.

Company response to consumer: Closed with explanation