milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called XXXX in XXXX XXXX to make the final payment but could n't until they had received the account in house. It was n't until XXXX XXXX that we could make the final payment which we did on XXXX XXXX, XXXX. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report credit. Now a full year and 2 months later XX/XX/XXXX XXXX is incorrectly reporting an open collection on this same account that has already been paid. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico score to drop XXXX points and has caused an extreme hardship for me and has damaged me financially. This is illegal and wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Private student loan debt) with Roosen, Varchetti & Olivier, PLLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: *Dates/Amount and the action taken by : XXXX and XXXX 2017 served papers by county sheriff at my residence/Of the estimated amounts of {$2000.00} and {$9000.00} : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representing on/ trying to pursue a lawsuit on behalf of XXXX  XXXX XXXX XXXX XXXX . They are stating I own a debt and can not provide the proof that this debt belongs to me. I would like for state legislators to prohibit private student loan holders such as XXXX XXXX XXXX XXXX XXXX from obtaining judgments when they lack proof that they own the loans that are the subject of the lawsuit. This is very misleading and embarrassing. What I think would be satisfactory to this solution would be for this law firm and/or XXXX XXXX XXXX XXXX XXXX to either provide the original promissory note/or original documents/proof that this is my debt I owe and to stop further collection activity on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, Transunion, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Midland is trying to collect on a debt that has passed the statue of limitations. The XXXX bill they are trying to collect is over 7-8 years ago. Statue of limitations on reporting has exceeded and they continue to roll the account to continue reporting and subsequently damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with Law Offices of Timothy E. Baxter & Associates, P.C. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collector refuses to provide any written verification of debt or any requested information for that matter. At the judgement hearing, the attorney stated that he would send me the agreement to file a motion to set aside if I were to pay the judgement in full by the end of the following month. Nine days left of the month and I finally contacted them to request this information and they claim to have no knowledge of it, yet inform me that I now owe over {$200.00} more than the judgement due to statutory interest. They request that I call back the following day to see if they had a chance to speak with the lawyer. I was n't able to call back until 6 days later, only to find that instead of sending me the requested information, they filed a garnishment instead. I feel like they use the courts to prey on people who are n't able to protect themselves and do so using tactics like demanding you allow them to garnish real property if signing a payment agreement. I was not taken seriously during the entire court process by either the court or the collection agency and they need to be stopped from abusing their power. They still have not issued the garnishment or sent me anything in writing concerning the amount of interest they are now attempting to collect on as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: On XXXX XXXX, 2017 I visited my local branch of BBVA Compass Bank to open an Individual Retirement Account. I had to open the account prior to funding since the non-taxable transfer of my 401k account had to be directed to the bank. The same day, I received a credit alert from my XXXX XXXX provider that a hard credit bureau inquiry was made on my social security number by Compass Bank. On XXXX XXXX, 2017, the funds from my 401k were made available to finish the funding of the IRA account that I  opened. The transaction was completed and funded on that date. In addition, on XXXX XXXX, 2017, I requested that the bank remove the hard " credit '' inquiry, as no permissible purpose existed to obtain a credit report for this deposit account. The bank personnel refused, citing that the bank " always '' pulled a credit report for new customers. I objected and indicated to the bank personnel that the hard inquiry changed my credit score for the worse as if I had applied for credit from the bank. In addition, I did not receive a disclosure regarding the bank 's use of the credit score, or the fact that I did not, nor do not intend to apply for credit from this bank. In the bank 's privacy statement it indicates that the bank will use information obtained about a customer to solicit credit products. I could not object to this use, and am thus now penalized as though I had applied for credit when I did not! There are other means to verify identity when opening a deposit account ; I object that the bank utilized a credit bureau report to verify my identity without my permission.What I seek is the removal of the Compass Bank credit inquiry at the credit bureau and remove credit information obtained from such report from my customer profile at the bank so that I am not solicited for credit products. If I had known that this bank would pull a credit bureau on a deposit account, I would not have opened the IRA account with them. Now I am stuck with this account at this bank without the ability to transfer the funds to another bank because of IRS rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Resident Collect on several occasions asking for them to present me with a contract that states that I owe them money or that I am legally obligated to pay Resident Collect. Per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) this company must be able to present a contract between themselves and me in order for them to report on my credit. They have no such agreement. Once again RESIDENT COLLECT HAS NO AGREEMENT WITH ME STATING THAT I OWE THEM MONEY. They are illegally listing entries on my credit reports. This item must be returned to the original creditor. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: Wells Fargo that has a history of cheating people has cheated me out of XXXX. I closed this account in 2013 XXXX verified it and gave dates and times. 
I want my money back you over charged me for late fees and interest and committed fraud By keeping an account open that was closed and charging me late fees and interest on an account that you fraudulently kept open

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 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Untimely response
Consumer complaint received 08/21/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: In XX/XX/XXXX, I discovered my Citibank card had been hacked. I went online to pay my bill, and discovered a huge balance. I called immediately. I was told the account would be closed and I needed to pay the balance in full, including recent charges that had not shown up on a statement yet. I paid in full the amount I was given. The account was closed and a new one opened. 
I received a statement for the new account with a balance of $ XXXX, although I had not used the account since I had paid it off. I called many, many times to try to find out where the balance came from - no one could give me an answer. Month after month after month I received harassing phone calls and letters, and they continued to send me statements with late fees and interest. I refused to pay until they could tell me where the original balance came from. Long story short, it took from XX/XX/XXXX to XX/XX/XXXX, with much correspondence with the XXXX ( complaint # XXXX ), for them to FINALLY show me what the charge was for. Turns out the charge was legitimately mine - I was told it hit the old account the same night it was closed, thus did not show up when I was given my final balance, but did carry over to the new account. I had no problem whatsoever paying the $ XXXX ( and did so immediately ), but no way was I going to pay late fees and interest when it was them that could not provide the information I needed to begin with. They did remove the interest and late fees as a 'courtesy '. 
I later discovered when I checked my credit score online that they have dinged my other-than-this-perfect credit report with a 'missed payment '. I have appealed to them XXXX to have it removed, but they claim since it was not a 'bank error ' the ding remains. My stance is while they may not consider it their 'error ', it certainly was their inability/unwillingness to provide the information I required for ten months that caused all this, and is absolutely in no way, shape, or form the result of any fault on my part. Quite the opposite - I tried for almost a year to resolve the issue with no cooperation whatsoever from them, only harassment. 
Thank you for your help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.

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 02/23/2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: va loan mishandled by jp morgan chase - inaccurate financial transaction record - failure to ensure insurance rider placement and payment distribution in accordance with va loan regulations - failure to service va loan according to va regulations, - submitting and making misleading and misrepresentations to state, federal, courts ands judicial officials and agencies - failure to provide mortgage modification authorized and approved by the VA - failure to provide and misrepresentation of required policy and procedures to assist and/authorize homeowners claim repairs and payment disbursements i have submitted these complaints previously supporting witnesses XXXX XXXX, va loan specialist, XXXX pa attorney general XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX pa state trooper XXXX and XXXX, XXXX pa XXXX, XXXX thousands of supporting documents, recordings, texts, and emails available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Settlement process and costs

Complaint: My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Hi, I wanted to know how I can settle an issue with Cash Central. I just found out that I will be paying {$7000.00} more than what I originally owed them within the next year. To me that is ridiculous because i can not financially commit to something like that now. I have a credit score to fix and I have family to feed. I have made {$390.00} payments since XXXX till today ( XXXX ) with them and so far I am at {$2300.00} paid off to my debt and only have {$200.00} more. I really just can not afford the payment any longer than this last month. I am at a point of eviction to my home and tight on every budget i can think of. Cash Central has no intentions of helping me settle this debt and stop making me pay the interest on the loan. They threaten to take further action and get a settlement attorney and make me pay more. They are sharks and harass my family, my references and me almost everyday. I am over this, and all i want to do is pay my last {$200.00} and be done with them. {$7000.00} more into a debt of only {$2500.00} is outrageous. The lady I spoke with told me that I would pay a total of {$9000.00} to them once I 'm done paying off the debt!!!!!! {$2500.00} vs {$9000.00}? How the hell am I going to do this? I hope you can help. I really have nothing else to give and budge

Company response to consumer: Closed with explanation