milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have no idea why we got a debt collection bill for {$7.00}, when I paid this bill off over a XXXX ago, and never even got any recent bills for this amount. No idea where this came from and will be very angry if this affects my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have repeatedly sent complaints against ARS collection agency. Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a surety bond on file with the Secretary of State of Texas. ARS ( Account Resolution Services ) does not have an " active '' bond filed. ARS has stated they are doing business under another agency name XXXX, which also does not have an " active '' surety bond filed with the State of Texas. The results from my complaints are on file with the Consumer Financial Protection Agency.
ARS ( Account Resolution Services ) is the company reporting on my credit file. I have filed a complaint with the Better Business Bureau of Ohio, as well. The company changed status of some of their accounts on my credit file from " Open '' to " Closed ''.
I have also filed a fraud complaint with the Attorney General of Texas, after a follow up call with the Secretary of State of Texas.
All these actions that I have taken have occurred between XXXX 2017 and XXXX 2017.

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 12/28/2015 about Credit reporting () with Diversified Consultants, Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX account opened by my wife & paid by her was listed as mine. Wife attempted to call XXXX XXXX DCI ( the third party collector assigned to the debt ), was hung up on numerous times when she asked my name be taken off the account, was told I was still responsible because we were married though she opened the account & paid bills with her seperate bank account

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Vehicle loan) with D2 Management LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: I had an account with US Bank. Because of the many customer service issues I had with the bank I decided to close my account. I made sure that all pending transactions were covered before closing the account and withdrew my money out of the account. My account does not even exist when I log into US Bank. A few days ago, I received a letter from XXXX XXXX XXXX, stating that they were collecting a debt on behalf of US Bank in the amount of $ XXXX.When I called US Bank 's customer service and explained the situation, the CSR informed me that there was a write off amount associated with my account but she could not see how much it was or where the charge was coming from. She referred me to their accounts recovery number. I called the number she gave me and was told that the recovery department only took payments and that she could not look into my account. She told me that I should go to the bank where I closed my account and speak with them.I went to the branch today and spoke with one of the bankers there. I explained the situation, and after much discussion, was referred to her manager. The manager explained to me that he could not help me because it had already gone to collections. He said, " It was out of his hands ''. He went on to tell me that I should, " look on the bright side. It 's only {$47.00} '' I exclaimed that I did not want to hear his excuses and he immediately walked me out the door.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with SKO Brenner American, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection letter from SKO Brenner American , Inc. stating that I owed {$700.00}. In their letter, they did not identify who they were attempting to collect for nor did they identify any product or service that was supposedly rendered. I do not have any outstanding debt from anyone, so this is either a scam or mistaken identity. Since SKO Brenner American did not identify a vendor or product/service, this appears to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX has closed my account and sold it to a collection agency. XXXX XXXX XXXX XXXX  XXXX is owned by Capital One. 

My Case Number for my dispute is : XXXX I have an ongoing dispute with them. On XX/XX/XXXX XXXX XXXX claims they returned clothing valued at {$24000.00} by XXXX XXXX XXXX. I never received the package. They refused to file a claim with XXXX XXXX. I sent them an email on XX/XX/XXXX saying that I was disputing my outstanding balance and would be filing an insurance claim. 

In the meantime they sold my account to a collection agency. They reported to the credit agencies that they were writing off my account. They did not tell either of these parties that there was a dispute. I would like my account returned to XXXX XXXX and the credit agencies informed that there is a dispute. 

I have told XXXX XXXX that my insurance company will either pay them in full or that I will reimburse them in full but that my insurance carrier will subrogate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Payday loan () with Enova International, Inc. (NM).
Issue: Received a loan I didn't apply for

Complaint: In XX/XX/2016, I Re-Requested a Credit Bureau Membership and a Credit Report on ( XX/XX/2016 ). I found a Promotional Inquiry dated ( XX/XX/2016 ) for a PayDay Loan. I contacted the Lender ( whom ) Stated that, Either a Letter or Email was Submitted for an Online PayDay Loan. I was told that, they Could not. go as far Back enough to describe ( how ) the Application was Networked that is, by Email or US Mail and that, ( how ) the Promotional Inquiry was Acquired thatbis, from a Credit Service, Credit Management, Credit Corporation or a Collection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian once again sent me a letter when I asked them to provide me the documentation that my account with XXXX was actually late at any time. PER The law in section 609 They must have on file the physical documentation to support their reporting, EXPERIAN REFUSES to give me this information. They sent me a letter stating that the credit grantor has verified the information. This is nothing more than a FALSE Statement. They are not willing to follow the law in Section 609. I am not going to continue going through this with them. They are reporting inaccurate information against me and are unwilling to update the account and remove their negative reporting. They are breaking the law. I am demanding this be updated to show paid ontime as I Never missed any student loan payment at anytime.

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 08/28/2017 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: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, as well as the information of millions of others. I am listed as a potential victim according to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Trouble during payment process

Complaint: I sold my home on XX/XX/XXXX and was told I would receive a XXXX escrow refund. The first check was supposedly mailed out on XX/XX/XXXX to the wrong address which I dont believe because I got correspondence from them about my account to my new address.I have been calling them since XX/XX/XXXXXXXXBank of america has told me on numerous occasions that they sent the check out to me.I have called them at least ten times and everytime I get a different story the first check was lost they escalated my case the check was reprocessed I was told they would sent the check out via overnight mail on XX/XX/XXXX and they would call me back I never got a call or a check, and I am still waiting as of 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 monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.

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 12/18/2015 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Taking out the loan or lease

Complaint: We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OH).
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: Back in XXXX of XXXX, I placed an order via PayPal on my smartphone, while going through the routine checkout phase, I the checkout chart to complete my order, however, I proceeded to click on payment and accidentally click another feature, which appeared to be PayPal Credit, I was only trying to pay for my item, which totaled around {$8.00} or more, but it was a feature to apply for PayPal credit, which I was not trying to apply for credit, especially for the {$8.00} bucks I was spending. A month later, I received a hard inquiry on my credit report stating that I had applied for PayPal credit. 

The way they have the PayPal credit feature on the checkout platform is very confusing as if they are being deceptive to offer you PayPal credit unknowingly. Like I stated, I was only trying to pay for my order. I have reached out to PayPal and XXXX and each agency tells me I have to correct the error with the other agency, the credit bureau and PayPal are basically giving me the runaround. I would just like them to remove the hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I 'm receiving calls from XXXX and XXXX claim to Nation Credit Adjusters.When you call the number, they transfer you either to an off-shore call center or XXXX on the east coast. saying I owe money I have a recently discharged bankruptcy and all of my legitimate lenders were notified. they call family and friends and I do n't know how they get the information!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have wrote countless emails and talked to Customer Service about getting my Escrow check for 2014. They have never sent it and the town of XXXX is still never received and now FREEDOM MORTGAGE STILL HAS NOT SENT CHECK OR CALLED ME BACK. I have never had to deal with anything like this in my life. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with a targeted new account bonus, which I correctly entered into the online application. I fulfilled the direct deposit requirement and all other bonus requirements, and was even told by a customer service rep that I would receive my {$200.00} bonus in XXXX - as of XXXX/XXXX/2017 I have filed several requests and have not been paid my bonus, as well as having been charged a monthly maintainance fee of XXXX twice, while i wait around for my bonus which is almost 3 months late now. I am very unhappy with US Bank in this situation, as they got a new customer without paying out the incentive.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

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 01-09-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received an alert on XXXX XXXX, 2017 stating that I had an opened account with XXXX XXXX for {$610.00}. Up until this day, I had never even heard of this company. This is showing up as derogatory on my credit report. I have made numerous attempts via mail and phone calls for someone at this company to validate this debt and or payment history along with a signed and legal binding contract between them and I. As of today, nothing. Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). If the account is not deleted, I will be forced to contact the BBB and legal counsel to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, amount of XXXX. I have disputed this account with all XXXX credit reporting agency. I have no knowledge of this account.

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 01/23/2017 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/16 I purchased a {$100.00} Walmart Gift Card at Walmart, XXXX, NJ on my Walmart Credit Card. I mailed the Gift Card and receipt to a family member in Pennsylvania. 
They tried to use the giftcard on XXXX/XXXX/16 and was told they was " XXXX '' on the card. 
It was investigated and found the giftcard was used on XXXX/XXXX/16 at another Walmart, XXXX, NJ. I contacted Walmart XXXX to ask for help. I asked the family member to return the giftcard and receipt. Corporate had me go back to the Walmart XXXX NJ to speak to the store manager. After a 2 hour store investigation they said there was nothing that could be done to get my {$100.00} back. It appears the giftcard was hacked. I contacted Walmart XXXX several time and was redirected to different departments, with no resolution.

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