milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (FL).
Issue: Fraud or scam

Complaint: I have been unable to have access to my funds for about two weeks. the online banking statement is stating that i have a negative balance of {$1400.00}. How is this even possible and it is a prepaid card. Rushcard is a very crooked company. I have called for two weeks and the phone continuously hangs up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX, NY XXXXEnclosed are the pictures of the basement when or where it was flooded when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the XXXX XXXX tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$1500.00} and the non-co-borrower contribution is {$690.00}. The total monthly income is $ XXXXCombine the rental income with what I received every month is : {$6100.00} + {$2200.00} ___________The total monthly income is : $ XXXXA loan modification would be beneficial to XXXX us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX / 15 .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. T hey continue to tell me that the account shows as closed and noted my bankruptcy discharge. Monthly, my reports ( all  XXXX  burea us ) state s differently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account information.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: First Tennessee Bank reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off First Tennessee refuse to recognize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed information on the following accounts to Trans-Union Account Resolution- XXXX XXXX XXXX XXXX XXXX XXXX stated that they verified the information as verified and on the company response received by Consumer Financial Protection Bureau that they did not have any validation on the following accounts.

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 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with Jacob Law Group, PLLC (AL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call XXXX on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, Experian or 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 10/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX contacted me on XX/XX/XXXX about old credit card debt from XX/XX/XXXX. They told me they were filing a civil suit against me if I didnt pay immediately. I was told I would receive debt settlement papers in the mail with the details of what I finally agreed to after feeling like I had no other choice. I paid them {$1000.00} to get them off my back. I never received any paperwork in the mail. So I filed a dispute with my bank and a complaint with the FTC. Please do not allow this company to take any more money from anyone else. Please do not allow this company to keep my {$1000.00} that I was pressured into paying them. When you call the contact number on their website, its disconnected. Their website doesnt even look legit. Please put a stop to these people.

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 10-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Wells Fargo debacle where they carelessly mistreated accounts. I feel very unsafe after what they did and it has caused extreme emotional stress and worry. I expect a decent compensation from what they have put me through. I do n't if money was taken from my account but to know false accounts were put in my name is very disturbing. I am requesting {$10000.00} or more for the emotional stress and worry I have gone through. Thank you and please take this matter seriously. This should Never happen.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 have attempted numerous times and have disputed information pertaining to my equifax and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all XXXX credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed information with credit bureau because information was disputed with agency first and they did not validate nor respond and credit bureau still lists as verified without proof.

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 09-07-2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX my husband and I placed all of our credit card debt with a settlement company, XXXX XXXX XXXX. They settled our credit cards one by one for lesser amounts, and we thought we were getting back on track. In XX/XX/XXXX, XXXX XXXX sued me for the amount owed, which was {$1500.00}. Without my presence in court, the Magistrate ruled against me and filed a judgment for the amount of the debt. I contacted XXXX XXXX, and they told me not to worry, they would take care of it. In XX/XX/XXXX, I received a e-mail from XXXX XXXX stating that XXXX XXXX offered to settle with them for {$1000.00}. I accepted the offer and told them use funds in my account to settle. I assumed that it was taken care of, until I received a letter on XX/XX/XXXX from a collection agency, XXXX, XXXX XXXX XXXX XXXX., XXXX saying that the account had been placed with them for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Other financial service (Debt settlement) with Student Services (GA).
Issue: Fraud or scam

Complaint: Identity theft and a large sum of money stolen from a company that I thought was helping with Student Loan Consolidation. 
On XX/XX/XXXX, I spoke to a representative from Student Loan Services about loan consolidation. They said that for an initial fee of {$350.00} and then XXXX for 3 months to follow and then no payment for a year. I agreed to it and went on with the process.I gave them my XXXX XXXX XXXX account information ( which is since closed ) In XX/XX/XXXX I noticed that there was a CA address on my credit report and a few other things that looked fishy so those were disputed. I then got an approval letter from XXXX XXXX saying that my loans were consolidated and that I could sign onto my online account.I then got locked out of my online account due to wrong spellings of names and wrong answers to security questions ( even though I was answering them with the right answers. ) I then called XXXX XXXX for help and they told me that Student Services was not a legit company.I also got communication from XXXX from Student Services in XX/XX/XXXX and he called me XXXX XXXX instead of XXXX which was already a red flag in my book. I am out a good sum of money and would like my money back from them. It is not fair that this had happened. 
Desired Settlement I would like my refund. 
Business Response Contact Name and Title : XXXX XXXX Contact Phone : XXXX Contact Email : XXXXXXXXXXXX To Whom It May Concern :

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Released tax lien from XX/XX/XXXX filed XX/XX/XXXX and released XX/XX/XXXX and XXXX file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XX/XX/XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all XXXX credit reporting agencies. I have disputed multiple times and each time XXXX, XXXX, and TransUnion states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.

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