milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have uploaded documents to Experian to demonstrate that I do not owe on a XXXX XXXX student loan. I have provided proof of earlier credit reports, as well as the statement from XXXX from XXXX years ago regarding this matter. Experian lists the wrong number for XXXX ; therefore, I can not contact them to have a discussion about this, and XXXX won't respond when you call numbers available to search on the Internet. I can not have been 60 days past due in XXXX when the debt was paid in full in XXXX. They are doing this to re-age a debt and keep it fraudulently listed on my credit. The financial services industry is in complete chaos, and I am getting ready to initiate a lawsuit against all parties responsible for this. I am tired of having my credit tarnished when I have specifically chosen not to have any credit at all since the XXXX of XXXX. I don't want to participate in this insanity. Please appropriately regulate these industries. They are colluding with the government to engage in the wholesale fleecing of the American public.

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 06-08-2016 about Debt collection (Medical) with Medical Data Systems, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There is a medical debt in which I agreed on a settlement set up the payments per our agreement XXXX charge went through and the XXXX the company is stating did not, I never received a call about this until a while later and now this company will not honor the settlement. If I new my HSA card did not process which I have no reason why I would have paid the remaining balance out of my bank account and now this agency will not take it. Please help

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 10/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Rewards

Complaint: My AMEX card was compromised. They decided to cancel my account. In the process, they forfeited my reward dollars instead of instructing me to cash them out. Unethical, unfair, borderline fraud. At the least, the worst customer service i have experienced in my life. Just straight up theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX ,   XXXX   and Transunion the credit accounts opened well over 7 years ago and most have a   XXXX   balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.

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 06/29/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX is reporting that Equifax Credit Bureau reported a hard inquiry from creditor, XXXX, hard inquiry date XXXX XXXX, 2015. I have not applied for anything nor gave written permission to XXXX to have a hard inquiry being reported from them nor Equifax on my credit report. Unauthorized hard inquiry being reported from Equifax and XXXX. Immediate removal of hard inquiry reporting from XXXX and Equifax credit bureau is requested by me as this was an unauthorized nor was a written request made by me and is justified for immediate removal under State of MN credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: pinnical credit service was removed from my report then they added it back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I opened a checking account with Citibank, NA in late XXXX or early XXXX because of a promotion promising XXXX Citi Thank You Reward points, which I received in early XXXX. 

Yesterday, I got an email from Citibank informing me that my checking account was overdrawn by {$380.00}. Upon investigation, I learned that they had : 1. Retroactively decided I was n't eligible for the points ( not sure why ), 2. Valued, the points at {$500.00}, and 3. Unilaterally, and without notice, debited my bank account {$500.00}, placing it in overdraft. 

Here is a direct quote from today 's chat : XXXX, XXXX XXXX XXXX : Upon checking, our Back office were able to determined that the account is not eligible for the Thankyou points or the promotion. And XXXX Thank you points are equivalent to {$500.00}. That is why {$500.00} was debited to the 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 10-06-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a certified letter to chrystler capital on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Both times they have stated that they could not find the account, and needed more info, even though they were given an account number. By law Chrystler did not supply the info within the 31 days required by law validating the dispute. Chryster has admitted that they have broken the law by not responding in case XXXX which also had supporting documents attached. They claimed that they never recieved the second certified letter even though they signature was attached to this file. everything chrystler is doing is deceptive and crooked, and they hae broken the law multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a statement from XXXX XXXX XXXX on XXXX/XXXX/XXXX for a medical debt owed. I paid the debt in full on XXXX/XXXX/XXXX via the XXXX online payment portal but I continued to receive numerous calls requesting payment. I spoke to XXXX in customer service who advised me to fax over the receipt which I did on XXXX/XXXX/XXXX and she advised that my account would be updated in 1 - 2 weeks. Approximately 1 month later I received a letter in the mail from a debt collector for said debt. I sent proof of payment to the debt collector and contacted XXXX who advised that my account was still under review 1 month after I faxed over to them their system generated receipt as proof of payment. I informed the customer service rep that their error may now impact my credit and she said nonchalantly we 'll look into it and get back to you. I still have not received an update so I will be calling back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Settlement process and costs

Complaint: Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.

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 06-05-2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted Amsher Collection Services 3 times for debt validation with tracking number. They only send me a copy of some bank statement with someone with the same name. They never validate the debt to the law of FDCPA and FCRA. They are furnishing inaccurate information. I have disputed the debt numerous times with XXXX which always comes back verified. XXXX and XXXX deleted the records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: Dear sir or madam, This is regarding my XXXX PayPal accounts created in my name : registered email address : XXXXXXXXXXXX email address : XXXXXXXXThey were permanently limited, stating that my account is in violation of PayPal 's own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 6 months. 

At this time I have over {$1000.00}. in the accounts and I want my money NOW, not in six months. This is my money and I should get it immediately. To me {$1000.00}. is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the Attorney General of California ... and Paypal took the entire month to respond to me. And their response was not satisfactory. All I received is an explanation about why they suspended my account, but they did n't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This mortgage was included in a chapter XXXX bankruptcy and was not reaffirmed. I have one 30 day late and from I understand this should not be reported on my credit report because I am no longer financially responsible. This has caused my credit to drop by 30 points. It is illegal to report this information as I am protected by the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TN).
Issue: Account opening, closing, or management

Complaint: I applied online for the Chase Southwest credit card. I was denied for having too many accounts with chase. I have a checking, savings & Amazon credit card with them. The Amazon card was originally offered through another bank, XXXX if i recall correctly. 
My fianc, applied for the same Chase Southwest credit card, and she was approved. 
Here is my grievance ; I have a higher credit score & earn more than she does. I believe that my name was profiled for being a XXXX name. My fianc does not have a XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have a rushcard ... they were having some kind of technical work done on the cards I guess switching them over XXXX, now I 'm unable to use my card that my child support payments are deposited on. I need to know when will I be able to use my card again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Integrity Group Inc (PA).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX account # XXXX Re : XXXX XXXX XXXX refuse to delete this account off credit bureau I have no knowledge of this account therefore i asked them to send me any recent activity and I still have n't received anything as of today just a bill, please let me know what i have to do in my part to help delete it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home has been under the short sale program for several months with SPS, we have presented several offers to this company and all have come back being denied, my property needs repairs, we have been working with a buyer for several weeks that has spent time and money to prepare a bid for repairs for this lender. The value set on my property is for fair market value and my agent has been working to have the value properly reflect the repairs needed. Throughout this process we are all being told by SPS that my property did not have a sale date even though XXXX is publicized for XXXX XXXX XXXX, XX/XX/2015 at XXXX. As of today I am still having communication problems with having SPS advise their trustee that the sale scheduled for my property on Monday is on hold. They are trying to foreclose on me instead of working with my agent to sell my house. SPS has mislead us for several weeks and has lied many times by advising my agent that there is no sale date and that all is being worked on. When indeed there is a sale date and per their trustee it is active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Upon investigation, CitiBank contacted me with information stating that the debt was sold to a financial firm, XXXX XXXX ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called XXXX, they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX XXXX XXXX ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was CitiBank and I 'm under the impression that I have been a victim of fraud by these firms in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from 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 02-02-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX Phoenix Financial contacted me about a medical bill after the very rude representative gave me the information I explained to her that another collection company tried to collect on this same Debt in XX/XX/XXXX and that original bill was only {$100.00} and it was paid in full. I still have the letter that I requested from XXXX that I sent to the first company, I can fax to you. She was very nasty and said we will see. I faxed her the letter dated XX/XX/XXXX along with a copy of my medical claim from my insurance company showing the original amount was only {$100.00} not {$410.00}. She informed me they brought this debt and I stated you brought bad debt because this never made it to collection and it was paid in full. I dont know how you all even got my information l. The original company was not a company that XXXX Maryland states they used for collections XXXX Maryland states they never heard of them. I also sent a second fax XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on XXXX and Experian. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

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 06/17/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?

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