milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent Wells Fargo several Qualified Written Request ( QWR ) through CFPB, XXXX XXXX and HUD to find out how much was owed on the account XX/XX/2016. Wells Fargo has sent me documentation through the CFPB portal that the balance on the account was {$8100.00} On XX/XX/XXXX I received a letter that they there was going to be a HUD Pending Acquisition of the property. I responded to the letter on XX/XX/XXXX by certified mail notifying all parties of the error on the account Wells Fargo made and requesting that balance can be spread out in monthly payments and the account need to be updated to reflect the amount owed. 
I received a letter from Wells Fargo dated XX/XX/2016 stating that the account was updated. 
Then on XX/XX/2016 my account has placed in active foreclosure.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: What I find disturbing is that equifax put my personal information security at risk back in XXXX XXXX when I first began challenging fraudulent accounts on my credit report ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and I wasnt notified until last month when it made the news. Since XXXX I have been challenging equifax however they continue to ignore my requests of validation however what they continue to say is we call to match up name, address, and SSN. Thats it. Merely calling to match up numbers doesnt prove that an account it valid. It is clear that equifax continues to allow their vendors to place false trade lines on poor consumers, like me, credit reports thus destroying my credit worthiness thus making it harder for me to get credit. Ive gone back and forth with equifax trying to resolve this issue however they refuse to follow the guidelines set forth via the FCRA. It now seems as if they KNOWINGLY ignore consumers rights. Equifax breech has compromised my name, address, and SSN YET this is the SAME EXACT information someone needs to place their tradeline on my credit. The same information that was leaked is the SAME information someone needs to place something on my credit which is also THE SAME information you call and verify instead actually providing documented validated proof. I dont understand how you leak my information yet continue to compromise it by allowing fraudulent unverified accounts to remain on my credit. At this point I am ready and willing to seek legal representation in order to protect myself from equifax and their practices if after 15 days these two accounts remain on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Your company XXXX XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus.

Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not  subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ). 

Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ). 
XXXX XXXX XXXX XXXX did not respond to the second dispute letter sent on XX/XX/2017 Per  the Fair Credit Reporting Act section 611 your company did not complete an investigation within 30 days.

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 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: multiple unauthorized charges from out of state company appearing on account. disputed charges with Compass. Compass added the charges back to account without providing me any information or documentation i asked for. such as who is billing me for what? the second unauthorized charges simply listed " services ''. services which i never received or asked for. 

customer service rep i9 could barely understand and could not understand me told me i can do notin for you. call da company. i said what company. it says services. Compass rep replied, " yes ... just a de call services and they will fix it right up for you ''. he handed the phone to another guy seemed like XXXX or XXXX tried to talk like a cowboy and said, " how-dee what 's the problem ''. i explained to the supervisor what i told the other guy. he said, yep, it looked like a legit charge to him. i said it was thousands of miles away from me and i did not make this charge. supervisor replied, " so what 's the problem then? ". 

you can take a horse to water, but you ca n't make him understand XXXX enough to be a credit card customer service agent. 

COMPASS BANK DOES NOT CARE ABOUT ITS CUSTOMERS. nor does it understand them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with LJ Ross Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WA).
Issue: Managing the loan or lease

Complaint: GM financial sends me a paper statement that is {$160.00} short of my actual account balance. Online they show the correct balance. I have been trying to correct this for four months. I have called them I have been told is taken care of and they understand the problem yet I keep getting these fraudulent statements. I know they 're going to XXXX me at the end of the lease and I want this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have tried numerous times to get fraudulent inquiries deleted off of all of my credit reports and I have spoke with the credit bureaus, disputed the information, and have received the same " Inquiries are a factual record of file access. '' within 2 days of filing the dispute and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company called me first week of XXXX, stated I owed a debt. I requested them send me written verification of debt. They stated that they have but, to a different address. I updated my address with them and I have n't recieved any letter verifying debt. They called me today XXXX/XXXX/2016 asking me to payou, I stated I have n't recieved any mail in reference to the debt. I then provided my email to speed up the process, I havent recieved an email from the company to verify the debt. I called the number that called me and was told by a gentleman that he was not handling the case and I needed to call back in 30 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Ditech Financial LLC (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from 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 07/18/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: I purchased a {$100.00}   XXXX   XXXX    XXXX  gift card on  XXXX   XXXX ,   XXXX   and  XXXX  {$100.00}  XXXX     digital  gift cards on  XXXX   XXXX ,   XXXX   fro m PayPal Digital G ifts on  XXXX . When I tried to use these gift cards in  XXXX    XXXX  , I found that the  XXXX  digital gift cards had no value in them anymore. Numerous people have reported similar issues wit h PayPal Digital Gifts. I  contacted  PayPal Digital Gifts re garding the issue in  XXXX    XXXX   and then received a call telling me they would look into it. However, I 've never heard back from them since. I tried to conta ct PayPal Digital  Gifts again but received no response. Therefore, I 'm seeking aid from CFPB and your help in this matter would be greatly appreciated.

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 11/19/2015 about Prepaid card (Gift or merchant card) with INCOMM HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Found tow trailer on XXXX. Contacted seller and they informed me that they were out of town and that we should use eBay. I agreed and she set up an account on eBay. eBay sent me an invoice and instructions to by PayPal My Cash gift cards and email them the PIN numbers and they would hold the money until I instructed them to release it and that I had inspected and accepted the trailer. I followed their instructions and once I gave them the PIN numbers eBay XXXX sent me a email that they had received the money. I tried to communicate with the seller but never got any response. I started investigating and have filed a dispute with PayPal and a Police report with the XXXX Ca. Police Dept. Case number is XXXX. PayPal My Cash dispute number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have never lived at XXXX XXXX XXXX. XXXX, IN. I have had extensive identity theft, and mailed documentation to all of the credit bureaus.

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 11-01-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After discovering that this company had placed a " paid collection '' account on my credit reports, I disputed the account with the credit bureaus. The account came back " verified ''. On XX/XX/XXXX I sent the company the attached letter. They ignored it. On XX/XX/XXXX I filed a complaint with the Better Business Bureau and they ignored them as well ( please see attached ). I am now filing a complaint with the CFPB. We will see if they will ignore you too. I am a veteran of our military forces. I did not fight for this. What is going on in our country?

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 12/28/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There are two collection on my XXXX credit report that AR Resources claims as not paid. XXXX XXXX XXXX was the primary creditor that reported to collections two XXXX each charges to collection on XX/XX/XXXX under account number XXXX. AR Resources held both accounts at that time and still claim these services are not paid as of XXXX XXXX XXXX. 
Both accounts where paid in full on XXXX XXXX XXXX through XXXX Credit Card payments on file in there system. Those co-payment charges where for office visits on XXXX XXXX XXXX and XXXX XXXX XXXX in the amount of {$25.00} each visit and additional fee 's of {$7.00} each. 
XXXX XXXX XXXX will confirm both AR Resource collection where paid to there office and can be contacted at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX XXXX XXXX XXXX C/O two accounts under XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My deferment agreement ended in XXXX 2017. I 'm XXXX and required to submit documents annually to extend my deferment. I submitted my documents via Nelnet 's email as suggested. The process is usually slow but about 6 weeks later I checked my account and there were no changes I called Nelnet and they informed me that my documents were not received so I decided to mail them. My account was finally updated to a XXXX balance and payment due but I was hit with nine 90days late on my report. I feel that is unfair.. plus in 14 years I 've never been in default.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized Inquiry

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 07-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on XXXX credit reports that belong to another person. Never was my address. It is the XXXX, PA address.

Company response to consumer: Closed with explanation