milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Unauthorized transactions/trans. issues

Complaint: I have no access to my money on my rushcard. I have been unable to receive my money since the XXXX of XXXX. Rushcard systems have been down and I have no way of paying bills, buying grocerys, or getting around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have noticed a collection charge on my credit report listed by XXXX XXXX apartment complex that is listed to have been reported in XXXX and have been placed on my file in XXXX, XXXX. 
I have contacted the apartment complex XXXX XXXX XXXX XXXX to verify the charges. 
The office manager at the XXXX office ( XXXX XXXX XXXX. ) has directed me to a collection agency, Resident Collect and refused further dealing with my complaint. 
Resident Collect verified the amount but could not find any record of me. 
They found record of my ex-husband and the above mentioned charge listed entirely under his name. 
The apartment complex reported the delinquency in XXXX. 
My XXXX has been final on XXXX XXXX, XXXX. 
I moved out of the apartment complex in XXXX and did not sign any contract, nor lived together with my XXXX 
The apartment complex, as proof of the delinquency has provided the collection agency a lease contract signed in XXXX by both me and my XXXX XXXX as a basis of the joint responsibility for the incurred debt which contract terminated in XXXX. 
The lease term was for less than a year period. 
The collection agency has agreed that it is very unlikely that a lease term of 6 years even existed at the time when the lease contract was signed ( XXXX ). 
The lease term had to be renewed every XXXX period. 
After further investigation the collection agency has found a lease contract on record signed in XXXX ( XXXX XXXX, XXXX ) solely by my XXXX XXXX in the same apartment complex. 
I have verified in XXXX with the apartment complex that they have incorrect information and no basis to claim I would have anything to do with this debt when XXXX XXXX XXXX has first tried to claim it to be my responsibility, and the apartment complex admitted the error and the claim had been removed from my credit file. 
This collection charge has not reappeared for 5 years until this XXXX, without any prior notification or contact with me. 
It is negligent and wrongful business practice on the part of XXXX XXXX XXXX complex to try to collect a debt on me after 5 years that has been proven not to belong to me. 
I have been advised their actions are illegal, they are breaking the law and to report their action to the Consumer Financial Protection Bureau to prevent them for further wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Experian, XXXX, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 10-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (PA).
Issue: Fraud or scam

Complaint: I sold an XXXX for XXXX the buyer paid and I shipped it. She has the phone and PayPal refuses to release my funds. I was never made aware they were holding m yu money I would have never sent the phone we or used PayPal. They charged me XXXX Dollars IU n fees and IU do n't know why I 've tried to get my money and they keep saying they ca n't yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear CFPB, This is the XXXX of my disputes with XXXX. I would like this negative information removed from my Transunion credit report also. Like I stated in the XXXX dispute with XXXX, this is NOT TRUE. XXXX received all of my payments. As you can see from my credit report, they did not put this on my report until many, many months after I had this paid in full. I just want the truth on my report. This is an unfair practice which I see is rampant. Sorry for writing XXXX disputes, but I have XXXX credit reporting agencies to go! Thank you for removing the negative information on my XXXX report. Please help me with the last XXXX. 
Thank you for your help. 
Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with Portfolio recovery and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to Portfolio Recovery. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to Portfolio Recovery. No action has been taken by XXXX XXXX to resolve the issue. Portfolio Recovery has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by Portfolio Recovery on XX/XX/XXXX, the second was sent out and received XX/XX/XXXX. Portfolio Recovery has provided me with account statements from the original creditor, XXXX XXXX, stating that the accounts are mine however no such document bares my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and now, I 'm requesting a reinvestigation under Fair Credit Reporting Act of a dispute related to my credit an XXXX accounts that I have problems.. Unfortunately this dispute was not resolved as provided by law. I am also requesting that the information be updated immediately because from XXXX is not done despite my multiple re investigation requests.The acounts information has several discrepancies and errors. in XXXX the XXXX account was removed and then was reincorpored to the credit report. I have XXXX accounts sold to XXXX Bank with {$0.00} balance but appears in delinquency. The US Department of Justice and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not updated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency.

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 06/14/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was rushed to hospital with XXXX XXXX XXXX an was not able to pay for my services rendered at this time. XXXX XXXX contaced a charity and said that the cost of my services woukd be written off or a charity organization would take care of this ordeal.At the time of sickness there was no insurance and I was not able to pay for my sickness. I work parttime in a XXXX and insurance is not provided by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Upon checking my credit report the following accounts have been removed from my credit report but the credit bureaus have not removed them :   XXXX   XXXX   for {$370.00} and {$560.00} were removed  XXXX / XXXX / XXXX   XXXX   (    XXXX   XXXX   ) for {$200.00} was removed  XXXX / XXXX / XXXX  and  XXXX   XXXX   XXXX  for  XXXX  {$500.00} was removed  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 04/14/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX closed my ac after being paid off and full, then sent me a small remainder XXXX to collections, which I paid and told them it was paid. They said they would investigate, never heard back and then they closed my acc!

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 03-09-2017 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been disputing this account and asking the company ( MACYS ) to provide verification that this debt belongs to me for over a year. This account is showing as a duplicate on my credit reports and has also been disputed with the credit bureaus multiple times. The last dispute was sent to fax number XXXX and by certified mail on XX/XX/2016. The company states they did n't receive it until XX/XX/XXXX. When I contacted the company the representatives that I have spoken with seem confused themselves and do n't understand why the account is still pending review status. I was told that I should contact XXXX and when I spoke to this agency they do not have an account in my name. I also was advised to submit another dispute to 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 04-09-2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form S3 registration statement, ( b ) Federal Reserve form 424 ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR 2046 balance sheet ( s ), ( d ) Federal Reserve form FR 2049 balance sheet ( s ), ( e ) Federal Reserve form 2099 balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors as well as the original signed application to validate the authenticity of the debt in question according to the FCRA 15 U.S.C. 1681 : XXXX XXXX XXXX & XXXX, XXXX XXXX OF THE XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I qualified for the  Capital One Venture One re wards card. I thought I had three months from my first purchase to spend {$1000.00} to obtain  XXXX  bonus reward miles. But it turned out to be less than  three  months since they start when they approve the card, not when you actually get the card and first use it.     I was never told about the deadline. I am a longtime banking customer with  Capital One  and think they should have told me when I neared the deadline. I thought I had until  XXXX   XXXX ,   XXXX  , but it turned out I only had until  XXXX   XXXX ,   XXXX  . I ended up {$13.00} short of {$1000.00}. I called on  XXXX   XXXX  and they would not extend the date or give me any other allowances, even though I have been a longtime  Capital One  customer.     If I had known the exact deadline I would have spent well over {$1000.00} by then. I feel this is misleading because the exact deadline date should be specified. Usually in such promotions in my experience, it is from when you first make a purchase, not when the card is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Trouble during payment process

Complaint: Freedom mortgage was collecting our money for homeowners insurance as part of payment but stop paying XXXX XXXX XXXX resulting in the insurance canceling our homeowners. They then placed their own homeowners and raised our payment. We took out our own homeowners again after finding out they took their own. Now that we have our own insurance they refuse to lower the payment amount. We are also a flood victim of XXXX in Tennessee and called them asking for a hardship and they claimed they would email paperwork which they never did. The company sends us predatory refinance offers pretty much daily. There was a period of time where there was no homeowners insurance that they owe us a refund for. Legal action will also be taken if freedom mortgage does n't respond to our claims.

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 12/17/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I am fortunate enough to have enough money that I never need to carry a credit card balance and pay interest, so I have instructed BofA via automatic bill payment software on-line to pay the full amount due from my checking account to my credit card. I was surprised when I checked my account last night and saw that the XXXX XXXX payment was actually not in full, but instead was only the minimum amount due. At first I thought I must have been mistaken - maybe I had not set the payment to be the total amount due, but I was pretty sure I had done so. When I called to inquire, I was informed by a representative that my payment instructions had " been adjusted on the back end '' because I had disputed a transaction. In other words, BofA software automatically altered my payment instructions. Their rational is that this protects me from making a payment that I should not have to. I pointed out that the result of their action was they were charging me interest on a credit card balance that should not have occurred. They were apologetic and reversed the finance charges after an hour on the phone, and conversations with XXXX representatives ( bank, bill payments, credit card ). They were aware that this 'feature ' in their software was causing " some issues '' with customers. On further research, I learned that the bill payment software had " adjusted on the back end '' my payment instructions 4 times in the last 5 months, resulting in finance charges each time. At no time did they inform me they had done this. Thinking back on it, I thought each time that I must have messed up some how and shrugged and went and paid the finance charges. But think about it : there are probably hundreds of thousands, if not millions, of people just like me who thought they instructed the bank to pay their credit card balances in full, only to have the bank " adjust the payment on the back end '' WITHOUT INFORMING THE CLIENT, resulting in a finance charges in favor of the bank. They know this is happening, they know it is upsetting some clients, but they do not inform the clients of the adjustment or offer to repay the finance charges unless the clients call in and argue about it. BofA is probably netting millions or tens of millions a year in ill-gotten finance charges as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been out of school since XXXX XXXX and I have been paying my student loans since. My original loan amount was {$31000.00}. Even though I make my payments on time every month and I send them additional money specifically asking them to apply it to the principal my balance has only gone down to {$29000.00}. There is no way that this should be the case. When I asked them how this is possible and why they were n't applying my extra payments to the principal ( they are putting it toward interest ) like I asked they stated that the account accumulates interest daily. So no matter what I ask them to do, it 's always going to go to interest. How is the loan ever going to get paid off if that is the case? Furthermore, no one ever explained that to me because I would n't have agreed to that. On XXXX/XXXX/XXXX for instance, I sent them a check for {$500.00} which was for principal only and they applied {$150.00} of it to interest. The customer service reps are n't helpful at all. In over 10yrs I 've barely made a dent in this loan and something is wrong with that.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Trouble during payment process

Complaint: We refinanced with freedom mortgage XXXX 2017 due to being behind on our taxes by 2 quarters.  After signing all of the closing papers with all of the correct information,  6 months go by and they send us a mortgage statement with an increased payment by $XXXX. Which was $XXXX to $XXXX. And they also increased our escrow payment by $XXXX. Which was $XXXX to $XXXX. Our tax office said that freedom mortgage never did a proper tax search. I have every document possible to back my side that I will be faxing.

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