milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with First Associates Loan Servicing LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First Associates XXXX XXXX continues to indicate I owe a debt to them ; however, they continue to refuse to communicate anything with me when I call to get them to verify the information. I never opened an account with First Associates or XXXX XXXX, and that account needs to be removed from my consumer report ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Applied and was accepted by American Express Gold Corporate Account. In the course of Activity, parties unknown accessed the account, illegal created 4 addtional accounts, continued to cahrge with out authorization using the Company Name and American Express. It appeared to this former Company Officer that Company Vendors and Merchants were used to access Company Charging Activity to develope customer profile of sole authorized user. In additon, XXXX XXXX XXXX indicated that the legitimate Company Charging Activity was not recorded in the proper Calendar Year of 2015. Individual Transactions, hard copy records in possession of sole authorized user, currently inacccessible. However, this user has in Response to American Express Collection Attempts which included State Supreme Court Action, requested in writing and verbally over recorded collection telephone conections with American Express Call Center and Fraud Operations Staff requested copies of the entire active account history in attemps to located illegimate transactions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Problem with fraud alerts or security freezes

Complaint: As one of the reported 143 million acknowledged by Equifax to have had my information compromised, I have been trying for days to get Equifax to implement a credit freeze without success. The efforts always end in a terse comment that the request can not be done at this time and to try again later.
I do n't imagine anyone attempting to fraudulently use my information to obtain credit is having the same problem. 
Equifax, who has know about this for weeks and surely had time to anticipate the predictable response and adequately prepare the necessary steps to minimize exposure to fraud, has failed miserably.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Mortgage (Other type of mortgage) with CORNERSTONE MORTGAGE, INC. (KS).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX. Ch.XXXX - Medical hardship XX/XX/XXXX Initiated loan modification requests due to medical hardship XX/XX/XXXX Loan modification granted with provisions for escrow of property and home insurance. No breakout of interest vs. principal loan term extended 14 months to capitalize missed payments in Spring of XX/XX/XXXX during family medical hardship shared. XX/XX/XXXX, XXXX XXXX contacted Cornerstone on balance owed and pending home sale. XX/XX/XXXX and XX/XX/XXXX- sent requests to Cornerstone requesting monthly informational statements and only received payment coupon for the month. XX/XX/XXXX. Signing with title company to facilitate sale of home. Balance stated on payoff is NOT what was shared on XX/XX/XXXX phone call, a variance that is not explained in the payoff sheet. Home is scheduled to transfer possession on XX/XX/XXXX. XXXX XXXX / Cornerstone Mortgage even after the discharge on XX/XX/XXXX and repeated calls was not forthcoming in balances owed or payments made by owner. This has created an additional hardship as we close on our home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (I do not know) with North Shore Agency, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: North Shore Agency has sent XXXX letters claiming I owe XXXX XXXX {$150.00}. I responded to the XXXX letter saying that I did not have an account with XXXX but would go to the XXXX corporate store to find out what was going on. XXXX blew me off but that 's for Weights & Measures I think. Then I recieved a XXXX demand from North Shore Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit card () with CITIBANK, N.A. (MS).
Issue: Delinquent account

Complaint: I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2015 about Prepaid card (General purpose card) with U.S. BANCORP (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not sure if this is the right category for my complaint. I have contacted all three credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on XXXX and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from 74 % to 61 % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! XXXX told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.

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 08-10-2016 about Credit reporting () with ID Analytics, Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.

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 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Federal student loan debt) with Experian Information Solutions Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There was a debt placed on my credit report via XXXX XXXX of XXXX in the amount of $ XXXXThe debt was paid nearly two years ago, with a promise of the account being removed from my credit report and due to the fact that The debt was paid prior to being reported onto my credit report. Despite the debt being paid and disputing with Experian numerous times, the negative remark still remains on my credit report, which has caused great financial hardship.

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 03/22/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I repeatedly get calls from XXXX. They even called my husband and my brother in law on XX/XX/XXXX. They discussed my information with my brother in law. I called them back on XX/XX/XXXX. XXXX to the number left on my voicemail XXXX reference number XXXX and spoke with a guy by the name of XXXX XXXX. He told me this was an attempt to collect on a XXXX  XXXX account {$1200.00}. He offered a settlement of {$740.00}. He put me on hold then transferred me to a rude and nasty lady name XXXX. She wanted my credit card info to set up auto pay. I said I spoke to XXXX who was suppose to email me debt validation and agreement to make monthly payments. She said no we need your card information first before we can send you anything. I told her no. Then she threatens to contact my employer. I told her I'm not employed. I asked her to stop calling my relatives putting them in my business. She said you need to call back when you can pay, then she disconnected the call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is n't valid, the contract is null and void due to the fact the spelling of the name listed is n't mine. I will be getting in contact with an attorney and filing suit if this is n't removed from my credit. I know my rights as a consumer and I know FDCPA laws.

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 06-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: After successfully working with the bank to modify my mortgage, the institution came back with a payment plan that included an initial {$64000.00} dollar payment in order to qualify. The reason for this astronomical payment -according to the bank- is that the investor is not willing to work with the bank to offer the help I should because my mortgage is an XXXX loan.

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 03-02-2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (SD).
Issue: Fraud or scam

Complaint: I was sent a check in the mail from XXXX XXXX out of XXXX XXXX, CA that was {$2600.00}. I was asked to deposit the check in my bank account. Then was asked to withdraw all but {$100.00} of the {$2600.00} so deposit into 2 different other accounts. One was sent to XXXX and other was sent to a XXXX through MoneyGram. I later found out that the check was a XXXX and my bank zero 'd out my bank accounts. I need some help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I hired a contractor to install gutters, but he never showed up. The contractor secured an 18 month interest free loan w/ XXXX XXXX XXXX , & told me to send in monthly payments. He said this way I could try to beat the high interest charge rate at the end of the 18 month period. So when I received my 1st invoice, I sent XXXX a payment of {$50.00}. The contractor had said he was on a big job and it would take several weeks to start my job. That was on XXXX XXXX, 2016. In XXXX, when I stated calling the contractor, he never returned any of my phone calls. When I contacted XXXX XXXX, they were also unable to reach him. XXXX had also called me to confim how the job was going on several occassions and I told them the contractor had not started it yet. Then I noticed my Credit report had a charge on it of {$600.00}. When I called XXXX to complain. They said that they already paid the contractor, even though I kept telling them he did not show up or do any work. I believe this is a fradulant charge and would like it removed from my credit file.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Nelnet keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Advertising and marketing

Complaint: I RECEIVED A PROMOTIONAL OFFER FROM CENTER STATE BANK, CARDMEMBERSERVICES, XXXX, XXXX ND STATING THAT IF I SPENT $ XXXXWITHIN XXXX MONTHS MY ACCOUNT WOULD BE CREDITED {$300.00} IHAVE MET THESEREQUIREMENTS BUT WHEN I WENT TO REDEEM MY MONEY I WAS TOLD I WOULDHAVE TO WAIT XXXX MONTHS BEFORE I WOULD RECEIVE MY. MONEY THE OFFERI RECEIVED MADE NO MENTION OF THIS. I BELIEVE THIS IS UNETHICAL MARKETINGAND I REQUEST I RECEIVE MY MONEY IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation