milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Debt collection (Credit card) with Filaport Acquisitions (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The so called Yorkshire Acquisition group have contact people unrelated to me to discuss a past debt without consent. They have also contacted my employer with unethical tactics and threats of subpoena my case. They threatened my employer, an school principal of serve me during my working hours at school. This company have never sent me a proper documentation to collect this so called debt. Not even after I kindly requested them for an unofficial document explaining the case. All the sent me was a email, and they kept on calling my family and relatives with threats. They wanted me to pay over the phone ; which I refused to do.

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 Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I recently applied for a XXXX XXXX XXXX in store. I was granted credit and filled out an application and supplied my home address ( XXXX XXXX ). My name and address was verified by the store representative based on my state issued picture id I provided. My card was issued by Comenity Bank and mailed to XXXX. The resident there was kind enough to deliver the misaddressed mail to me XXXX this has been happening frequently ). Comenity Bank disregarded the ( correct ) address used on the application, Comenity Bank then changed the mailing address and mailed the card to the address provided by my credit reports ( wrong ). I also question how they changed my name to a unique blend of my married and maiden names. I have contacted Comenity Bank and allegedly they have corrected the issue ... ... Until they are again supplied incorrect information from my credit reports ... ... It seems to be a vicious circle of constantly evolving incorrect data. 

reference CFPB complaints : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with additional add-on products or services

Complaint: I requested the company to show me documents bearing my signature and NOT an electronic consent.

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 10/28/2016 about Debt collection (Non-federal student loan) with Account Control Technology, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been contacted about school debt. I was supposedly placed on a payment plan to pay this off from my checking account. This was suppose to start the month of XXXX. However, the money was never withdrawn and now the account is in collection. I would like to negotiate the account because I am in position to financially pay the amount in full. I 'm getting harassed by debt collectors all hours of the day. I provided them with my debit card number. I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

INQUIRIES XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

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 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with U.S. BANCORP (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Sometime last year, I had a checking account with U.S. Bank. I did NOT have automatic overdraft protection, and since I did not have this service, I was under the impression that all debit purchases that exceed my checking account balance would be declined. I made a decision to move my primary checking account to another bank, but I did not close my U.S. bank account. I believe I had a balance of just under {$10.00}. At some point in time, a debit purchase that exceeded my bank account balance by about {$0.00} [ XXXX XXXX ] was paid by the bank. Then, shortly thereafter an OD fee of {$35.00} was posted to my account. I did n't realize that this happened until about 5 or 6 months later. During that time, the bank continued to charge recurring fees because my account was overdrawn. By the time I realized what had happened, the bank had charged over {$300.00} in fees to my account and they closed my account. I sent a few correspondence directly to the bank using their secure messaging system. Unfortunately, once my account was closed, I no longer had access to the messaging system, and I did n't think to make copies of the correspondence for my own records. <P/>In short, I think this bank has unjustly enriched itself by charging over {$300.00} in fees for a XXXX XXXX transaction that they should never have approved in the first place. One of the reasons I chose to move my checking account to another bank was because I felt that U.S. Bank charged exorbitant fees and they were not XXXX-friendly ( I am currently a XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay it ''

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 04-03-2018 about Debt collection (Other debt) with I.C. System, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX  ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ).

Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you!

Account Name : I C SYSTEM INC ( XXXX  ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency Express Recovery Services called my phone on XXXX/XXXX/XXXX. Knowing my rights within 30 days I sent them a certified letter asking for debt verification. I never received a letter within 5 days of original contact as required by law. Nor did I ever receive debt verification. 

On XXXX/XXXX/XXXX I receive a letter from a law office stating they represent Express Recovery services. Again I responded with a certified letter asking for verification of debt. I never received any verification of debt. 

As of XXXX/XXXX/XXXX they attempted to serve me papers for court. Again they have violated Fair debt collection by not verifing the debt at all. They have failed to prove I owe any debt. They have failed to prove they are legally authorized to collect the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with Ditech ( I believe it is a XXXX ). Have had the mortgage for ten years ( although it has been passed from bank to bank over the years ). My mortgage has a due date on the first of each month with a grace period to the XXXX. However, my SS check comes on the XXXX of each month and most times is after the XXXX causing me to pay late fees. Ditech will not change the due date!!! Their solution is for me to refinance the mortgage for a new contract costing me {$2500.00} up front. My mortgage is current. Can I change it to a VA mortgage without upfront cost? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: PNC still fails to resolve and release funds among other practices. See prior case CFPB XXXX that was closed, but it is not resolving any concern as PNC knows and understands that both executors are not able to sign the document together. So, we have requested the same document sent to each of us with a signature line and notary for each executor. I have asked XXXX XXXX numerous times in the month of XXXX 2017 to send one to XXXX XXXX the co-executor with only her signature & notary requirement, and I requested one for myself with only my signature line/notary. I have explained this problematic situation with the document to XXXX XXXX on multiple phone conversations and at least one email correspondence. XXXX XXXX understands that the authorization and indemnification document they are providing and requiring as written is impossible to have completed. XXXX ( co-executor ) has taken the document to several institutions multiple times, and no one will notarize the document for her with both names and notary requirements on the document. PNC should have consumers all over the country in this situation that can not both be present to sign documents, and PNC should be more than familiar with situations such as these. PNC should be able to comply with our need for individual forms. XXXX XXXX advised that she understands what we need, why we have requested individual forms, and she states that PNC 's position is that they will only provide us with the document as it is. She states PNC is not willing to send two documents ( one for each individual to sign and notarize ) even after several explanations. PNC understands we need separate forms, and they are refusing to comply and release the funds as requested. Plus, PNC has been provided the authorization forms that our estate attorney had prepared and have been executed for each of us in addition to official court documentation. PNC is intentionally giving us a hard time releasing funds due to their non compliance, numerous employee errors/ mistakes that were made. 
I encourage any current or potential PNC customer to be aware of bad practices and lack of financial protection to their elderly consumers. 
PNC allowed a removal of payable on XXXX beneficiary in an account conversion to a guardianship account when a new account should have been required. Also, the person making changes was only allowed temporary guardianship. They allowed all these changes to be made when grandma provided the bank with advance warning and had the account frozen as it was clearly not the account utilized for household expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with DISCOVER BANK (CT).
Issue: Closing/Cancelling account

Complaint: I paid off all my balance and closed my Discover card sometime last year. After a couple of months I received a statement for a membership fee plus a late fee. In XXXX last year I called the Card Company and told them that I had already closed the card and protested to them about the charges. They agreed to remove all charges and told me that now the card had been closed. For a number of months I received no statement from the card company. Sometime in XXXX I received another statement from the card company now with a much larger late fee. I again called the card company and told them that I had closed this card twice and have made no transactions on the card. The first agent told me that she saw the noting about the XXXX discussion, however she did not have the ability to take any action. She forwarded me to another agent. In this way I was forwarded XXXX times. I got frustrated in the process and told the last agent to do whatever he could. He asked me if I wanted to dispute member ship charges. I told him that the charges had been already taken off by them. Therefore I should not have to dispute them again. I also protested about the number of times I was transferred without any resolution to my problem. He said he could not take any action. He asked me if I had any proof that I closed my account. I told him that I had closed the account by phone. 
I keep receiving monthly statements with additional late fee. Now for a charge of {$10.00}, XXXX which had been earlier cancelled XXXX the balance stands at {$270.00} XXXX almost all late fee ). I feel that I am being harassed by the card company and request your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Dietech Financial has erroneously reported my mortgage payment late for the month of XXXX when it was paid on XX/XX/XXXX. FRAUD, I have been denied credit and at this point this it the second time that they have reported information that is incorrect and I am now asking for financial restitution. 

DITECH FINANCIAL LLC Account Number XXXX Account Type Real Estate Loan Terms 336 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details Past due 30 days Status Updated XX/XX/XXXX Balance {$190000.00} Balance Updated - Credit Limit - Past Due Amount {$3900.00} High Balance - Monthly Payment {$1600.00} Balloon Payment - Contact Phone XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$200000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation