milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to get XXXX and Experian to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to

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 02/13/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Reviewed my credit and realized there is a collection listed under name of XXXX XXXX XXXX. I have no knowledge of this account. This company never provided any information to validate this debt. I never received any legitimate proof before this negative account was placed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Non-federal student loan) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Other type of mortgage) with MOVEMENT MORTGAGE LLC (VA).
Issue: Closing on a mortgage

Complaint: In XXXX 2017 my wife and I received a pre approval letter through movement mortgage company. Then we shopped around and found XXXX XXXX XXXX that has done everything with our loan. Movement Mortgage is now preventing us from closing on our loan by threatening to sue XXXX XXXX XXXX so they wo n't close on our loan. We are supposed to close In 6 days but are being forced to use movement instead of the company that has done everything on the loan for us. We have been bounced around from person to person through movement mortgage ( total of 3 loan people ) and they should n't be allowed to carry on like this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXX XXXX, XXXX, I was contacted by an individual claiming to be an investigator, XXXX XXXX, for the XXXX County Sheriff. He informed me that he had a file on me on his desk that was awaiting application for warrant for fraud. He told me that it was a courtesy call allowing me the opportunity to resolve it that day and avoid processing the warrant due to the fact he would not be able to stop it otherwise. He stated that I would be arrested in the morning and arraigned before a judge within 24-48 hours if I did n't have it paid this evening. I told him that I did n't commit and that I wanted to speak with the individual who filed the complaint. At that point, he did a conference call with an individual identified as XXXX XXXX ( XXXX ) XXXX, who was with Risk Management at a company called XXXX XXXX XXXX. During this conversation, it was discussed that I still owed a balance on an old debt with HSBC that had been turned over to his client, XXXX, for collection. I informed them that this account was settled in XXXX and that I had a letter stating it had been paid in full. XXXX XXXX responded by stating that it had only been recorded as a payment by XXXX XXXX and that the account would never have been settled for such a low amount. I was also informed that XXXX XXXX was no longer in business. I then informed him that this was the second time I paid on this and that initially it should have been settled in XXXX when I paid a lot more. I told him that I would provide documentation if necessary to resolve it. At that point, XXXX XXXX spoke up and stated that the account had to be paid up and settled that evening or he would have to exercise the warrant. I felt that I had no other recourse but to pay it and not be incarcerated in order to allow me time to resolve this issue by other means. Since I have never been arrested, I did n't want to take a chance. After I paid on the account, I was told I would receive settlement documents via email and also certified mail with supporting documents. When I received the email documents, I noticed there was a discrepancy with the account number recorded. I informed XXXX XXXX XXXX that this needed to researched and corrected. The following morning I attempted to make contact with the investigator on the case and was surprised to find out that the contact number was actually that of a fax machine belonging to the XXXX County Clerk 's office. I immediately realized that something was wrong and contacted the XXXX County Sheriff 's Office trying to find the investigator. I was told that there is no such investigator by that name employed or affiliated with them. I then contacted the criminal division and filed a formal complaint about someone impersonating a law enforcement officer and appeared to be affiliated with this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (MO).
Issue: Problems caused by my funds being low

Complaint: I have money missing out of m RUSHCARD ACCOUNT. THIS HAS BEEN GOING ON SINCE THE XXXX OF XXXX. I AM MISSING {$300.00} FROM MY ACCOUNT. TRANSACTIONS HAVE COMEPLETELY DISSAPPREARED. I HAVE BEEN TRYING TO CALL AND AM DISCONNECTED ON EVERY CALL. I AM GOING TO XXXX XXXX SATURDAY AND NEED MY MONEY ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reporting false information that I have 9 points on my licenses

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX  and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Advertising, marketing or disclosures

Complaint: I am unable to access my account due to RUSH CARD TECHNOLOGY TRANSITION and i also have kids that have to eat and no one from RUSH CARD CAN ANSWER THEIR PHONE AND NOONE FROM RUSH CARD WANTS TO TAKE RESPONSIBILITY FOR THE UNNEED TECHNOLOGY TRANSITION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This is my XXXX complaint with Ditech and XXXX. This situation has been ongoing since XXXX XXXX. I 'm doing everything I can to keep my home. Ditech foreclosed on me XXXX XXXX, XXXX and after filing my XXXX complaint with CFPB they rescinded the foreclosure in XXXX XXXX. At the current I 've been paying rent on my home. 
A new appraisal was done to get the true value. The new price is {$69000.00}. The foreclosure price was {$98000.00}, my underwater price was over {$100000.00} dollars. The agent has requested several times for a price I would have to pay to get my home back, but has yet to receive an answer. They will not let me or my son purchase it for the new appraisal price even though they are allowing someone else to do so. I just want a fair price so that I can keep my home. 
XXXX have stated in a letter that I have the option to purchase but have yet been given that option. If any help can be done by your company it will be deeply appreciated. 
Sincerely XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this 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 11/18/2017 about Debt collection (Auto debt) with Synergetic Communication Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Synergetic Communications., Inc. sent me a very disturbing letter dated XX/XX/XXXX that I have attached where they requested the payment of a debt for a car that was repossessed in XX/XX/XXXX because of my illness that led to a XXXX. The collector claims that if I do n't pay the debt or contact them within 30 days, they could sue me, as stated in the letter. The debt is past the debt collection as per the following : Statute of Limitations. Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. The debt was reported and closed on XX/XX/XXXX more than four years ago. I also do not know where or how thee credit agency received my information, I have never heard of or spoken with them before and the fact that they contacted me with such a harsh letter has affected my XXXX terribly. Poor XXXX Americans already suffer from disparities that include underemployment, over-employment and discrimination. We are always the first laid off and less paid, as is some of the issue that happened when my car was repossessed. Even the way XXXX repossessed the car was disturbing where they pretended that if I would make another payment, I could save my car while at the same time the repo man came to my house. 

The debt, according to my credit file, was reported and closed as follows : Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$30000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$8300.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Worst Pay Status Unknown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with Credence Resource Management, LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credence Resource Management r eported to the credit bureaus incorrect information about a debt I know nothing about and does no owe. I was made aware of this when I checked my credit report and noticed a submission that was made   XXXX  2017   . I called Credence to report the error and my report remained unchanged despite the fact that the information reported is false.

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 05/29/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In the later part of XX/XX/XXXX I received a call from a collection agency that my American Express account had been sent to them for non payment. On XX/XX/XXXX my city was struck by the XXXX storm my home and possessions were flooded. I was left destitute. My family had to walk thru waist deep water to get to high ground to be rescued. From the time I opened the Amex account until XXXX XXXX 2017 I  have paid my bill on time, even my XX/XX/XXXX bill was paid on time. My last payment was on or before the XX/XX/XXXX. However XX/XX/XXXX brought about a hardship. I called Amex and explained the situation as was told that I would be excused from paying the XX/XX/XXXX and XX/XX/XXXX bills. In fact I called all my debt account and explained my situation and was told the same. I have a great payment record with them and wish to keep it that way. I made a second call a few weeks later to confirm my being excused from paying XX/XX/XXXX bill just to be on the safe side and was again told that yes, due to the situation Id be excused. However, later that month I was called by a collection agency and told that my Amex account had been turned over to them for non payment. The lady stated that this might be a mistake because she sees that it is less than 60 days behind. I have been contacted by more than one collection agency regarding the Amex account. I find this more than upsetting ; I was a good paying client, I lost my house, my car, all my possessions because of something that I had no control in. I presented this information to Amex and was told that I could miss the XX/XX/XXXX payment without penalty. Yet they submit me to collections ; my credit score has been affected. Collection agencies are harassing me about the Amex account. 
Ive had issue with Amex in the past charging interest on purchases when I did not make purchases but this is too far. I am in a position where I need to rely on credit to rebuild life for my family and am being denied because of this stunt from Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: td bank says i own money but i never opened a bank account with them

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have nothing to do with XXXX and i never worked at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AK).
Issue: Money was not available when promised

Complaint: I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used 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