milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had Listed myself as a Healthcare Proxy for a Friend that passed away in XXXX XXXX. 
and Shortly after her Death I have a Company called XXXX of XXXX, XXXX XXXX XXXX Collections in XXXX, XXXX on My Credit File. I wrote to them Telling them I am a XXXX resident and I was not related to or Married to the Person acquiring Debt. I have asked three times to prove that I am the Maker of the Debt,. and they just keep sending a statement from them, not the People that they actually acquired the debt from. Now they have placed my Name, SSN and Wrong Address on my CF saying I lived at the XXXX Address and this is MY Debt. It is showing on my Experian CU, and ( XXXX and XXXX have removed it ) because of them reporting Incorrect information and horribly destroying my Once VERY Good Credit Score.. Pleease assist me in dealing with this Horrible Company. There are approximately XXXX Different Collections that they are listing incorrectly, even after I have asked them to remove if from my CU.

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 02/14/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with CHARLES SCHWAB CORPORATION, THE (TX).
Issue: Application, originator, mortgage broker

Complaint: I have a retirement account with Charles Schwab. On their web site, they advertise that customers with certain amounts of money with Schwab qualify for mortgage rate discounts. From their web page, it looks like I qualify for a 0.25 % rate discount. For this promotion, they have a tie in with XXXX XXXX. When it came time to find out what the mortgage rate was, the XXXX people assured me that the discount was applied but the rate they offered me was the same as what both XXXX and XXXX XXXX offered with no discount. I consider this to be very deceptive advertising and operating on the part of both Charles Schwab and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have disputed the opportunity loans account with all three credit reporting agencies and they have continued to say they verified the account and im like I have no idea how they could have through a XXXX XXXX that lacks integrity. According to the FCRA 609 it requires for them to verify it physically and I have wasted money on certified letters for them to send me a generic response. I have started the legal proceedings to seek my monetary damages but I 'm going to give them another chance to verify this account fully. I have disputed this account over 3 times certified mail and I still get a template answer.

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 04/20/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Deposits and withdrawals

Complaint: This more to get correct information than a complaint.   I deposited a check from   XXXX   XXXX   in  XXXX  to a  Citibank i n  XXXX  on XX/XX/XXXX .I have accounts in both banks.Was surprised to find on the deposit slip :  Fundsfrom your  transaction will be delayed as shown below    XXXX   a vailable to  day, XXXX   XX/XX/XXXX , XXXX  XX/XX/XXXX ,  XXXX   on  XX/XX/XXXX  and the rest on   XXXX   total checks deposite d /cashed on this day exceeded {$5000.00}.   I thought the regulation was availavle fund is afte  3rd d ay when the check comes from bank in the same city.   There was a FDIC information on the counter that cash is available  one plus bus iness day.   Only answer from the ban k manager wa s this is our policy .When I asked him the FDIC  poster in the b ank he really did not have any answer other than saying bank policy I just would like to know where does the regulation state..

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (CA).
Issue: Can't contact lender or servicer

Complaint: Cashnet USA claims a payday loan which is not mine, I sent it Id theft affidavit, they responded that XXXX my responsibility I filed additional complaints as requested proof of loan docs that they had 15 days to provide and did not, I asked them to remove again XXXX/XXXX/XXXX, and have not contacted me with status and left several voicemail response with no return update

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : XXXX, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything 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 08-02-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I got an alert from the credit bureaus saying that a new collection account was added to my reports. I have never received any notification of an attempt to collect a debt from any creditor. I 'm very displeased at this companys lack of attempt to notify me of any alleged debt and instead just placing it on my credit reports. I ask that this company remove this alleged debt that has not been shown to be mine and for their improper collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX, as Trustee ( successor to XXXX XXXX ) failed to abide by Consent Judgment entered in XXXX. XXXX. See attached Complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, MI, XXXX is apparently helping XXXX with a retaliation scheme against customers who terminate service. Its been in the news that XXXX is hitting people 's credit scores when they close an account. 

XXXXI had a similar experience, when I moved, I terminated on one service, but then started XXXX XXXX at my new home. They claimed that I owed {$140.00}, but I never got a bill. ( I continued my cell and internet service with them, its not as if they did n't know where to reach me. ) I have called Diversified twice, and the last time they refused to validate the debt. 

XXXX has destroyed my credit over a {$140.00} bill, and wasted hours of my time. their technique is to leave you on hold, then shuttle you between departments. XXXX XXXX services department sends you to Diversified, then Diversified sends you back to XXXX, over and over. All in an attempt to shake down petty change out of your pocket. 

Please bust these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a request to the collector requesting validation that the debt belongs to me as well as HIPPA authorization for medical records to be released. The response received was a statement of what is owed, there was nothing validate nor was there a HIPPA release provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company is deducting a commission from the payments I have made equaling 25 % of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I am excercising Power of Attorney over joint assets, because JP Morgan has engaged in the elder abuse of XXXX XXXX and XXXX XXXX. When XXXX XXXX and XXXX XXXX attempted to use their money from account XXXX, a joint account with my name on it, they were denied access to their money. They could not access funds to pay an exterminator for maintenance services of real estate property. There is a specific company set up to manage real estate property and assets, XXXX XXXX My company, XXXX XXXX is helping with the real estate law management of this situation. JP Morgan has repeatedly spat in my face and abused elderly people in my family. They have repeatedly committed acts of fraud and taken over {$200000.00} in cash assets and real estate assets from me. They have also given XXXX XXXX, and other questionable individuals access to money from my bank accounts when they did not have any legal right to. I would say that the people running JP Morgan have some severe mental issues. If I am given a difficult time while exercising power of attorney over joint assets, I am going to have my elder law attorney file papers in surrogate court. JP Morgan is under investigation by XXXX for participating in this type of abuse. I already have been to the correct court and I have obtained a judge 's order against certain abusive third parties. If the XXXX continues, I am going to begin to file motions against JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (DC).
Issue: Deposits and withdrawals

Complaint: This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.

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 05-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called me at work and then got rude with me when told not to call me at work. 
XXXX XXXX with portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with RMB, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. 

The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. 

in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. 
These questions should be answered also : 10. Who is the current owner of this alleged debt? 
11. Who is the original creditor for this alleged debt? 
12. If RMB INC is the current owner : a. When was it purchased? 
b. Who was it purchased from? 
13. Have you assigned the alleged debt to another entity for collection? If so, who? 
14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 
15. Proof of last day of activity

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (AL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX    XXXX   My  XXXX  yr old son which is on my act. made a deposit into the Bank of America ATM of a  XXXX  check and  XXXX  cash. Immediately after the deposit he received a print out that said they have placed a block on his act due to irregular activity. He then called the # on the reciept and the teller said they have lift the freeze and told him to withdraw money to see if it would work. He then withdrew  XXXX  and thought all was well. The following day he attempt to use his card to buy a drink and it was declined b/c there is still a block on the act. Thursday night I called BOA and they transferred me to several people. I explained what happened and said I have a reciept showing the  XXXX  check +  XXXX  cash. After being on the phone for  3 h rs straight and no one could tell me why the act was closing besides there was a " cash jam ''. I wanted to know how he received a reciept for a  XXXX  deposit if it jammed, also with BOA. It takes up to 40 bills and only excepts bills it reads and and says what it reads along with having cameras. Still nothing resolved! Friday morning I went to my branch and brought the  two  receipts. After being there for over  2  hours. All they could do is give me the  # s I  have already contacted. They also said they have had several complaints with that particular ATM. and it was weird I have a reciept with the money in question, but they still closed the act. They suggest filling another complaint, so I did. They said come back to the bank on the following We 'd  XXXX  and they will have more info. When I showed up on Wed all the bank manager could do is give me another # to make another complaint, she also said they have sent a cashiers check of  XXXX  on  XXXX . This will be the 3 complaints with the risk dept, ATM service, claims dept. Since then I have been on hold, hung up on collectively of  5+  hrs trying to understand why they wo n't allow him to get the  XXXX  that he deposited and how can he have a reciept with the money that was deposited if it spit it out. Thanks for any 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 monetary relief