milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/15/2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by this person that claimed he had purchased my loan from another company in which I had been paying on for over 6 months by auto draft from my account. This guy proceeded to tell me that he needed me to give him my account information so that he may continue to draft payments from my account. Needless to say I refused to give my information out over the phone and since then he has continued to harass me, calling constantly XXXX times daily. He has also contacted my sister and my mother which is unacceptable. Is there anything that can be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: BANK OF AMERICA #XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Report Created On: XX/XX/XXXX
File Number: XXXX
Page 1 of 23
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Date Updated: XX/XX/XXXX
Last Payment Made: XX/XX/XXXX
Original ChargeOff: $XXXX
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: XX/XX/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 08/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received an email telling me that a debit card had been mailed and I do not have an account at Wells, I called the bank ( XXXX XXXX XXXX ) and was told to email the fraud Dept. @ XXXX. This is the second time and I am not sure what to do next. XXXX XXXX XXXX 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 09-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A payoff check was received by GreenTree on XXXX/XXXX/15. Not sure how Greentree applied the funds but the customer service rep explained that the interest should be over {$600.00} and the payoff date should be XXXX XXXX. Should n't Greentree payoff the loan upon receipt of the funds and not wait for XX/XX/XXXX and incurr more interest. I have attached a statement showing the loan balance as of XXXX XXXX, 2015 along with the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX card, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is XXXX XXXX XXXX XXXX and all those other numbers, either do not belong to me, or are outdated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Managing the loan or lease

Complaint: heftyHi, I been trying to work a settlement payoff with Midland Credit Management for the pass month and a half now. As I 'm writing this complaint, I 've been on hold for 1hr,25mins now, without anyone coming back to the line to follow up with me at all. Not sure what the policies, and procedures are, but what ever it is, Its not working well. 
However, I 've been wanting to work with MCM on an amount of XXXX which was offered to me at the end of XX/XX/XXXX to close out the XXXX account I have in their office. 
My first contact with MCM, I advised them that I have a very limited amt to work with, to be exact I had amt of XXXX, due to lack of income. I 've contacted them few more times after that, but no one seem to be willing, and understand my situation, not that I expect them too. I just would like to be treated fairly, I 'm sure they do n't place all their client on hold without a follow up for over an 1hr now. I wish someone would just come back on the line so I can settle this matter. 
I hope the way there are treating me at this time will not go unnoticed, the way they are conducting their business is ridiculous, its unheard of, I 'm surprised their doors are still open. 

I just wish someone would come back on the line, considering they close in 8mins ( XXXX EST ) that 's how long I 've been on hold without a follow up, WOW! Amazing! 

I hope CFPB, can retrieve the phone calls I 've made to them, so you can hear my willingness to work with them, and MCM, Not so much. 

I even had a rep question my intentions for wanting to settle the matter. 

So I 've been on hold now for a total of 1:28min Guess this matter will not get resolved tonight for lack of willingness on MCM 's side. 
Thanks MCM for wasting 1:35min of my life! 

I sure I 'm not the only one that has some thing nice to say about MCM ... 

I hope MCM will be fine a hefty amount for this unfair treatment!

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send  XXXX  and Experian alerts to remove the remarks because no investigation was done by the companies in a timely matter.

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 05-06-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account with XXXX XXXX out of XXXX, Ga. that has been in chapter XXXX bankruptcy since XX/XX/XXXX. I 've had several issues with XXXX reporting my account correctly to Equifax. First, XXXX continued to report the account as a charge off account. I 've spoke with XXXX and Equifax many times. The issue still is n't resolved after over a year of me filing complaints. Now, XXXX is reporting the account as a payment that 's past due also. I spoke with XXXX XXXX at XXXX about the issue on XXXX XXXX, XXXX. The account was included in the bankruptcy and had a starting balance of {$2600.00}. I now owe them about {$23.00} and I 've never missed a payment. I 've been dealing with this for over a year now. Equifax has been no help. All they tell me is to call the creditor. Farmers should be charged with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I stopped paying my mortgage because I could no longer afford to pay the monthly mortgage payments. I attempted to negotiate the terms of my loan, but the bank refused to lower my monthly payments and the principal balance of the loan. I hired an attorney in which he was not able to lower my monthly payments nor the principle balance with XXXX XXXX. According to Nationstar the current loan servicer, XXXX XXXX did not participate in loan reductions for struggling homeowners and as a result I had to reluctantly agree to a loan modification or risk losing my home to forclosure. I was a victim of a predatory loan when I purchased a was approved for a second mortgage to remodel my home in XX/XX/XXXX which caused me to fall behind on my monthly mortgage payments. The loan was originated by XXXX, sold to XXXX XXXX XXXX and then sold to XXXX XXXX. In addition, the loan was serviced by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the loan is currently being serviced by Nationstar Loan Servicing. As of XXXX/XXXX/XXXX, my principle balance has nearly XXXX from XXXX dollars to XXXX and my monthly mortgage payments have remained relatively the same despite the loan modification. My home is currently valued at approx. XXXX dollars and unfortunately I will be forced to leave my home due to the bank 's refusal to negotiate in good faith. 

Note ; The copies and documents regarding this matter will be submitted via fax or US mail upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with U.S. BANCORP (DC).
Issue: Sale of account

Complaint: I had a credit card with one bank and they sold it to another bank. I did not get notice of the sale. When I went online to see if I owed money to the credit card the following month, the site said my account was no longer open. I did n't know why my account was n't open, but I did n't have time to deal with it as other life emergencies were taking precedence. Later, I received a letter from the new owner of my account saying that it was past due. I called the number on the letter and found out that my account was sold but still exists. I paid the account in full. However, because I was not notified of the sale and was told my account was closed when I tried to go pay it initially, my payment was 41 days late. Now I have a 30 day late payment on my credit report. I asked the new bank to remove it given the circumstances and they said they can not. They said that the only way for this to be resolved is for me to file a dispute with every credit reporting agency that notes the late payment. I know that that is n't true. I know that this is a small injustice compared to what you deal with on a regular basis, but it has an impact. If the agencies do n't all remove the late payment or do so in time ( I am about to apply for a mortgage ), my rate will be higher on the biggest loan I take in my lifetime. Also, there is a high degree if privilege in the notion that everyone has the time to wait and request reports and write letters and follow up on letters and go through the whole intentionally-difficult process. For people who are just barely keeping their head above water, due to their health or life emergencies ( which applies to me right now ), things like this slip through the cracks. I would close this account but for the fact that it is my oldest account and closing it would negatively impact my credit score. I try to do every responsible thing and it does n't matter. Now if I do n't spend my time writing letters to credit reporting agencies, rather that attending to very critical things in my life, I will be harmed financially. This system does n't work. The bank should have corrected it. I know that they can.

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 02/17/2018 about Debt collection (Medical debt) with CBC Credit Services, Inc. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On or about XX/XX/2018, I received a letter from CBC Credit Service Inc., XXXX, XXXX XXXX Michigan XXXX. The letter is threating and assumptions regarding ability to pay. It says it contacted my employer and believe I have the means to pay. 
Account # XXXX XXXX is the collectors name on letter. 
I have attached a copy of letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The doctors office set up a payment plan. They fixed the billing error. But trying to reach the debt collector to verify this collection notice seems impossible. They will not answer the phone and to find out if they closed the collection on their end to prevent a judgement. The automated attendant answers then tells you to call back later. I have called multiple times.

Company response to consumer: Closed with explanation