milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit card () with Alliance Data Card Services (AL).
Issue: Billing disputes

Complaint: I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings. 
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing. 
I have all of my billing information, receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to XXXX they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and XXXX I never received any confirmation from Equifax on the status of the 7 year fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MN).
Issue: Unexpected or other fees

Complaint: Having no intended business with Equifax I find myself having to paid to freeze my credit. This is the result of their data breach which has nothing to do with me. This data breach occurred on XXXX XXXX XXXX all most a month and a half. Giving the executives plenty of time to sell their stock. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I tired to respond to the message that Midland left however for some reason the complaint was closed or XXXX. 
First I was unable to open the attachment that was submitted and yes I did try on several different computers. I want validation from your company showing this belongs to me. I want a copy of the agreement with my signature. What part of validation do you not understand? I have nothing from your company showing this. A print screen is not validation it is something that anyone with a computer can make.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Prosper Marketplace, Inc. (MI).
Issue: Problem when making payments

Complaint: As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: They just called my husband out of the blue. Saying he owed the debt collection agency XXXX. For a supposed debt made in XXXX, Arkansas in XX/XX/XXXX-XX/XX/XXXX. We do n't even know what it could be at all. We think they scammed us but are not sure. They told us we had to pay half or else we would have to go to court. My husband paid them XXXX. We want our money back if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (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: loan is showing late payment ... .payment was never late

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: You have reported wrong status in my report I have never paid late these accounts : "  XXXX  -  XXXX  " "  XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX/XXXX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled on XXXX/XXXX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached XXXX credit report showing collections only, dated XXXX/XXXX/XXXX ). However, in XXXX, over a month after I paid the XXXX collection account, the collection agent XXXX XXXX XXXX reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XXXX XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX XXXX collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XXXX/XXXX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XXXX/XXXX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the XXXX credit bureaus, and in XXXX XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the XXXX major credit bureaus, XXXX XXXX, Experian and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.

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 08-01-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint : Denied loan modification/refinance of real estate by Chase based on terminology ( mortgage vs credit line ) When I wanted to refinance the1st mortgage on my property in XXXX, it was suggested that I apply for a credit line instead, which I did. It is the only lien on the property ; it is effectively a mortgage on the property with the property as collateral. Fast forward past the economic downturn in XXXX and then further to loan modifications offered to certain property owners. 
I own two almost identical properties, only a few doors apart. They are XXXX rental properties. One is financed by a mortgage and I was contacted by Chase in XXXX regarding a loan modification at no charge to me and regardless if the property was worth less than the existing mortgage amount. The current rate after modification is 4.625 %. The second property mentioned in the first paragraph did not qualify since it is financed by a credit line ( at 7.75 % ). This property should qualify. And it should be modified/refinanced at a lower interest rate comparable to the rate on the other XXXX identical ) property. I would rather not oust the tenant and hurt my credit score by letting Chase foreclose on this property, but I can not continue to carry it without a lower interest rate. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: Sent Inquiry removal letter to Equifax after trying to contact creditors to no avail. as Equifax told me I had to do. They all came back stating they needed more information like account numbers which I did n't have because I do not have an account with these people. Equifaxes customer service would not help and take care of the negative inquiries reporting on my credit report which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Medical) with United Resource Systems, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see attached from the previous complaint I filed - # XXXX. I was not allowed a second response so I am filing another complaint. I was told my required payment was XXXX amount ( {$65.00} ) then, in another document that included intentionally reduced font, a second amount ( which was never communicated to me ). However, my insurance was billed ( they did not pay ) yet a XXXX amount - {$220.00} which i clearly did not agree to. By filing a medical claim in an amount in which I did not agree to, that 's fraud and a clear indication of the lack of ethics and desire of XXXX XXXX XXXX to fraudulently collect monies they are n't due and are n't owed to them. 

I am happy to pay what I legitimately owe - I will not pay what I do n't. I have a 30 year history of paying every legitimate bill with never XXXX late payment. My ethics are beyond reproach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8 % LTV ( see attached ) We also have a post loan mod. document stating LTV was at 88 % ( see attached ) .When we received a document on XXXX/XXXX/2016 stating our LTV is at 96.4 % ( see attached ) in response to our request to have PMI removed.We were completely " surprised '' unfavorably at what they were trying to do here. We feel completely trapped in a {$330.00} / month PMI payment to XXXX XXXX through PHH mortgages apparent and then blatant violation of RESPA. ( see attached ) Or else why would the amount be so much if it was n't being divided up among the entities involved? Per our mortgage documents the XXXX balances should remain separate for such calculations ( see attached ) Also note on this sheet that not only is it the wrong principal balance but also, but it is the wrong langauge as to what is defined as " late '' for their reasons for the denial of the PMI removal. They say " late payments made in the last 12 months '' not " late payments of 30 days or more '' as it should read. They have been doing things like these mentioned ever since we even tried to get a loan modification, now they are trying the method of attaching the interest bearing amount to the non-interest bearing amount which is unfair and makes it eon impossible to remove PMI. Just disgusting greed on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This information just showed up on my credit report within the last month. I think there are a collection agency for a credit card from XXXX XXXX. I had a credit card with the company that was opened in XXXX and paid off and closed around XXXX. I had a great payment history with XXXX XXXX. As I stated in other statements that on my credit report this creditor always showed paid as agreed. Now I believe around XXXX XXXX I checked my credit reports and XXXX XXXX is showing up negative. I reached out to several Customer Service Representative and there were not friendly. If someone could please help me with this problem I would be thankful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.

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 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am a U.S. citizen living in XXXX, and as part of a XXXX credit card I maintain ( I closed most of my accounts when moving out of the country, which was likely not a good idea as it might have affected my credit score ) I am able to get a summary report and credit score. I did that about two weeks ago, and realized that ( a ) the score is wildly inaccurate ( I recognize that is not the credit bureau 's part of the problem ) ; and ( b ) there is inaccurate information on the report, suggesting that I am not paying credit cards on time, which is not true. Indeed, it looks as if someone else may have opened a card in my name, since something like XXXX instances of a card paid late are apparently on the report, and I pay my XXXX credit card on time and indeed automatically! 
The real problem is that there is no way to use any of the XXXX credit bureau 's on-line systems without a U.S. address, nor is it possible to use the federal system that 's been set up by the CFPB without a U.S. address ( thank you for setting that up! ), nor is it possible to speak to a live person at any of the XXXX credit bureaus, at least I certainly could n't figure out how to. I sent a letter two weeks ago to Experian, with all details, since Experian had been listed as the source of the inaccurate information. I have yet to hear back, but I have n't given up hope. 
There are XXXX U.S. citizens living abroad ; we pay U.S. taxes ; and yet as far as I know we have no representation in Congress -- so no constituent services people to help. This situation with the credit reports needs to be addressed, since at this point I do n't know if I am a victim of fraud, and I could n't put a fraud alert on my accounts -- without a U.S. address! I 'm certain there are security concerns for sending reports out of the country, but there must be a good way to address that concern without making it impossible for U.S. citizens/taxpayers living abroad to get access to these important records. 

Thank you very much!

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