milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX  of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Through a credit monitoring service I received notice of a collection account appearing on my credit report. On my credit report the account was reported by the collection agency  Medical Data Systems , Inc., h aving originated with  G  XXXX   XXXX   XXXX   Hospital.  XXXX  Hospital  had provided me a service in the Summer of   XXXX  .     I contacted the hospital and found that they and the collection agency both had an incorrect address on record.     My address is  XXXX   XXXX   XXXX   XXXX  in  XXXX , VA. They recorded  XXXX   XXXX   XXXX   XXXX . The first     XXXX     in my address was transposed to a  XXXX . I did not provide them with an incorrect address to my own home. Any mail sent to  XXXX   XXXX   XXXX  would have been returned to the sender.     I paid the bill immediately and received a receipt that memorializes the address error. It also has my name partially misspelled. I have included this receipt here, along with other documentation recording my correct address and name.     When I contac ted Medical Data Systems t  hey insisted that this was a valid debt and refused to remove it from my credit reports. Nothing  resulted from disputes I filed with the  XXXX ,  XXXX , and  XXXX . It now appears that the wrong address has been added to my credit reports.     I paid the bill as soon as I was made aware of it.     Prior to seeing the collection reported on my credit report, I received no notifications of the balance due.     I do n't think my credit should suffer because of a billing 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 explanation
Consumer complaint received 07-11-2016 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: Most recently - they closed my savings account without giving me prior notice ( of ANY KIND - no email, letter, phone call, nada ). When I called the XXXX number to ask what was going on, the woman told me she was unable to give me any information and that I needed to call the branch. When I called the branch she told me that they do n't have anything to do with closing accounts and that I needed to call the XXXX number ... ... eventually I was informed that if my account had a XXXX balance for 3 months they AUTOMATICALLY close the account - I maintain that they should be required to let me know they are going to do that ... ... 

In the past year - they have replaced my atm/debit card three times - with no explanation. On XXXX XXXX I left to go on vacation and discovered that they had de-activated my atm card, stating that they had mailed me a new one that had never been activated ... .I never got the other card. Spent over an hour on the phone while they re-activated my card and then shipped me out another new one. The original rep I talked to was unbelievably rude, and put me on endless hold when I asked her to transfer me to a supervisor. 

The branch notified me almost 6 MONTHS after I ordered them that they had my checks ... ..I placed that order 3 TIMES and NEVER got the personalized checks I asked for and ostensibly paid for. 

Overall, the phone reps I have talked to in the last two years do n't seem to know what they are doing and they are rude. 

I used to be super happy with this bank, but the last two years I have had increasingly poor service and I now have absolutely NO CONFIDENCE with this bank - where I have had an account for over 20 years.

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 08-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is from XX/XX/XXXX. I paid this long time ago but the creditor and the collection agency said they have no record of it. Regardless of that fact, I was told in XX/XX/XXXX, when I was buying a house that there was a debt. I told them I had no recollection of it and disputed it. 4 months later they sent a copy of the last bill from the creditor. This is not proof I owe it. Statutes of limitations is 4 years for a written contract and 2 years for a verbal. They are well beyond this for collections. Also, they have 30 days to prove I owe this debt after disputing it. They took 4 months to send me an irrelevant copy of a statement. I do not owe this debt. They also had a lien on my credit report that said I owed {$1400.00} but when I went to pay it, they bumped it up to {$1900.00}. I had no choice but to pay it or my house loan would not close. To this day they refuse to send me a satisfaction of judgment or anything that says I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit line increase/decrease

Complaint: I am attaching a statement, but the short version is Citibank denied my credit increase based on an exisiting Payment Arrangement program - that they say I am enrolled in. However, they have no proof of that, and in fact XXXX of the staff that I spoke with agreed that I am not in any program and that my card is in good standing. After speaking with different staff at Citibank - I was told that " I must have had a debt charged off with Citibank, sometime in the past 36 months. '' However, they have no information about this, no dates, no amounts, nothing and they also will not provide me this in writing.

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 12-04-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believe the accounts listed are medical bills that my insurance ccompany told me were billed to me in error and that they wouldhandle this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: reporting 3 hard inquirys on my credit reports I never applied for a loan with them dates are. XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX that are the inquiries on my account they must be Removed at once from all 3 credit Agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with MOHELA (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a fraudulent collection letter from a " legitimate '' collection agency, Convergent Outsourcing, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX credit card charged me an annual fee as of XX/XX/XXXX I closed the account on XX/XX/XXXX and they refuse to prorate the amount of {$96.00} along with a monthly fee of {$10.00}. However I do not use this card and was told that {$100.00} is due on XX/XX/XXXX and if I dont pay it, itll go on my credit. Which is ridiculous that I have to pay an annual fee which is yearly if I dont have the account anymore. Could you please assist?

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 03-06-2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: XXXX ( Social Security Number ) Complaint Against Regions Bank I, XXXX open up an account with this bank on or about XX/XX/2017 and was promised a promotion of {$400.00} by bank rep XXXX and now the bank seems as if it does not want to give me the promotion I did everything the bank told me to do.

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 11-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have contacted Chase fraud division every day for a week for unauthorized fraud charges, yet they continue to allow the charges to be paid, then I have to get the vendor to credit my account as Chase has done nothing to stop the charges or refund me. I have given them 5 screen shots of the person who is doing it and Chase still has not done anything to stop this person and the charges continue every day. I want all the fraud charges removed today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check 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 non-monetary relief
Consumer complaint received 06-07-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: i dont remember when this happened but it was back in XXXX i have id theft also but when i did get this loan out i had lost my job 5 days later and i had not been able to pay today XX/XX/XXXX they called my mom which is going through some problems becasue my father had an accident and told her that they were calling from the county and that i had a warrent for my arrest because of this loan my mom was very scared because of the arrest and the worry of my fathers health i need help i cant do this at the moment i bearly started working again and i am a single mom of XXXX  and they dont want to help me to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with U.S. BANCORP (LA).
Issue: Billing disputes

Complaint: had an account with US Bank, used it quiet a bit for reservations, XXXX XXXX had my card on file, in XXXX their was a bill for XXXX charging me for a stay that I did not do at a campground, I contacted my credit card company and told them this was a mistake, they investigated and gave me a refund credit of XXXX, I then in XXXX closed out said account because I felt now that my card was hacked by this company, received XXXX bill with a closed account and everything XXXX out, and they even sent me a check refund for overpayment, thought this was over, now I have recived a bill from US bank stating I owe them XXXX, contacted them and they said I had to pay it, I donot owe them XXXX when I had a zero balance and closed account, please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, a Presentment under notary seal of dispute and verify the alleged debt was sent to XXXX XXXX XXXX  dba XXXX Fedloan Services. XX/XX/XXXX a Notary Certificate of Dishonor and Non-Response was sent. Fedloan Services continued to send collection notices for this alleged debt that they would not validate under THE FAIR DEBT COLLECTIONS PRACTICES ACT, FAIR CREDIT REPORTING ACT, 15 USC 1692G AND TRUTH IN LENDING ACT. On XX/XX/XXXX Fedloan Services accepted a permanent loan modification fully satisfying the alleged debt. Money Order XX/XX/XXXX XXXX was accepted and applied to alleged debt on XX/XX/XXXX having the Contract statement written in a conspicuous place : Full Satisfaction of all Claims. The terms of the contract  are clear according to XXXX Maryland XXXX COMMERCIAL LAW 3-311 & UCC 3-311. The alleged debt has not been discharged according to law. Fedloan Services is now threatening wage garnishments by way of the UNITED STATED POST OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has made it difficult for me to get my report # XXXX and # XXXX they refuse to remove wrong information. I am upset. They are ruining my life. They refuse to provide validation, creditors reporting them do not provide validation and those accounts MUST be removed by law. They are reporting incorrect addresses and they are letting people see my credit who I never authorized to pull my credit. The erroneous information is as follows. 
I never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my addresses, Experian has been notified and refuses to comply and remove them. Additionally, they continue to illegally report the following accounts that do not belong to me. They refuse to provide documentation for me to reasonably defend myself and so do the creditors. Knowing my name, address, etc. does not constitute a contract or legal debt. 
XXXX XXXX Account # XXXX XXXX Account # XXXX .... 
XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 
Finally, I did not give anyone permission to pull my credit in years. The illegal, unauthorized credit pulls that need to be removed are here. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX I was a victim of the XXXX Data Breech and my purse was stolen in XX/XX/XXXX with my social security card, driver 's license, and my birth certificate on a card. I already sent a copy of the police report to Experian and a copy of the letter including me in the XXXX data breech. These are not my accounts. I have hired XXXX XXXX to sue if it 's not corrected immediately. I am done being a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. 

We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Payday loan) with Premier Recovery Group (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a phone call. Person spoke very fast and know personal information. Claimed that I owe for a payday loan from payday.com from 2008. Would not let me dispute the age of the loan and when I asked for written or emailed information was told that I would receive it after payment. I agreed to a settlement payment and then researched the company and found that they are scammers. I stopped payment and now they are calling me for that.

Company response to consumer: Closed
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: i closed my account about 2 years ago. i applied for reduction of interest and they enrolled me for one year automatic payments. it expired this XXXX 2018. 
i add to my monthly bill so that interest will go down but despite me doing increases in payments ... they continue to increase the interest even if the balance decreses. 
i stop calling them because they are NOT INTERESTED IN HELPING CLIENTS. 
they just need MORE MONEY TO THEIR POCKET..GREEDY BUSINESS PEOPLE

Company response to consumer: Closed with explanation