milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After viewing a copy of my credit report, I noticed XXXX collection accounts placed on my credit report from XXXX XXXX
I am unaware of any outstanding medical bills that I possess, and I have sought the name of the hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party.
Three letters have been sent XXXX XXXX in regards to verifying these account in regards to any contractual agreement that I have directly with XXXX XXXX. The final letter was sent via certified approximately 35 days upon no receipt of requested information.
Experian has also failed to mail me any information regarding these accounts are factual. Representative failed to listen to my attempts to contact XXXX XXXX and insisted that I continue to do so regardless of many failed attempts.

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 03-01-2017 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by XXXX and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with XXXX or go to court to vacat the judgement and now we are not able to pay our rent.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED ATT  XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TAKE  5-10 BU SINESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO  XXXX  ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX   XXXX  Original Creditor   XXXX   XXXX    XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. Something needs to be done about these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I own half the house. My father is getting XXXX he 's XXXX yrs old. He goes to the bank and chats with them all the time about finances. The bank tried to get him to get a mortgage instead of keeping his line of credit but since I own half the house they could n't do anything without my signature. Charge him {$500.00} with a guarantee he would get it back. 
My father says he had no clue it was a mortgage. He thought he was just redoing his line of credit and locking in the lower interest rate. He did n't know they were going to take {$500.00} out of his account for a fee. Then when he asked them about the money they told him he was guaranteed to get it back. I had no clue any of this was going on until they asked me for all my account info copies on the bills I pay. Never told me it was a mortgage. My Dad told me it was for the line of credit so I agreed to give them my info. They also told me he was getting that money back numerous times. My husband built a back edition on the house. XXXX was pushing us to get it done by this deadline. Told me he would add an additional {$20000.00} to the house value. I said great not knowing it was for a mortgage. Still thinking it was for this line of credit. All of a sudden I listen to my answering machine about giving them a check for an additional {$2800.00} for closing cost when they come in and sign. 
Now they want my parents to go in and sign I find out its for a 15yr. mortgage not a line of credit. My father is XXXX he would be a XXXX til it is paid off. Bank ca n't do anything without my signature. I wo n't give it. Father do n't want a mortgage either. So when I call up and ask where is the {$500.00} XXXX gets nasty on the phone with me and tells me it was basically none of my business and I 'm not the customer and NO we will not get the {$500.00} back. Well yes it was my business when they needed me to sign for a mortgage instead of a line of credit. I own half the house. They did n't realize I owned half for this reason. Trying to get seniors to loose there house. I make sure all the bills are paid including the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.

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. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect

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 03/31/2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Advertising and marketing

Complaint: Barclays Wyndham Visa credit card is not honoring their XXXX pt offer when I applied. Originally while on a trip to XXXX in XX/XX/XXXX a Wyndham representative indicated that I can link my XXXX account when I Apply to the Barclays Visa Credit card and I will earn points. Plus I would get XXXX bonus points after I make a certain dollar purchase on the credit card. This IS the information that I was told. I did my due diligence and I started using the card. In XX/XX/XXXX of this year I called to follow up with the missing XXXX points and I was told that it might be in the next billing cycle since I had to wait up 90 days. Well XX/XX/XXXX went as did the XX/XX/XXXX billing cycle and no points. As of today XX/XX/XXXX also no points. So I called Barclays Wyndham Visa and they told me that I was not supposed to get XXXX points. I was pretty upset to hear this and they said just look at your agreement. My contention is that a representative from XXXX who gave me the application gave me a pamphlet and verbally told me that I would get the XXXX points and pointed it out in the pamphlet. It really feels like a bait and switch deal. After calling XXXX at the Barclays Wyndham Visa card the best I got was " Do you still have that pamphlet ''. Its been 5.5 months that I 've been dealing with this and NOW I 'm asked to show proof of a pamphlet from XX/XX/XXXX. Its not like I just threw it away today that I can look through the garbage and find it. It was 5.5 months ago. I 'm asking your assistance in this matter and please have them honor what was promised.

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 06/20/2017 about Debt collection (I do not know) with Vengroff Williams, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has been calling my business for collection of ex-husbands business debt for XXXX XXXX  storage. My ex-husband owned the business prior to our marriage and I had no involvement in that business. We have been divorce 2 years and he has filed for bankruptcy. I have spoken to XXXX XXXX a number of times and have explained the situation. They now have referred it to a collection agency who is calling everyday and is being verbally abusive and disruptive to my business. The number is coming across as XXXX XXXX XXXX with the company name as Vengroff. I do n't know anything else about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted the companies and tried to resolve the matter still nothing

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 12-01-2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collector seems hire a detective and call my dad to his cell phone and told them to tell me to call them because there has been filed a complaint against me and game my name. At my knowledge this is inapropriate and illegal. My dad called me worried to tell me that a woman call saying to call her back because a complaint has been filed and he said hope you are ok. I have not received as required by law a verification of debt letter within 5 days of receiving phone call neither as of today. They are behaving like scammers. Need advice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Funding sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I live in XXXX XXXX over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX XXXX. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX XXXX and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX XXXX, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by Midland Funding. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( XXXX ending XXXX ) and ( XXXX XXXX ending XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Nonstop calls. I probably receive 3-5 calls a day from them with a blocked id. I blocked all visible numbers on my phone, which consisted of probably XXXX numbers so now they are using the blocked id numbers, which I ca n't block. I answered once and asked them to remove me but that did n't help in the slightest. No idea how to stop them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: American Express had a XXXX Membership Rewards bonus for a new AMEX Platinum Card. I have had numerous AMEX cards over the years so I believed I only had the Business version of this card. I asked on their live chat and I was given the list of previous cards, this personal Platinum Card was not on this provided list. I even asked him to verify before I applied, he assured me I never had this card. After charging over XXXX on the card I was told online that I indeed had the card. I asked him to pull the chat and he said the agent made a mistake. The classic issue here is that AMEX can tell you when you apply that you do not qualify, instead they let you get the card issued, make your spend, and then are told by AMEX you do not qualify. These IT systems are smart enough to know if you qualify at application. This AMEX process is flawed and in many ways fraudulent. This company needs to address this issue, none of the other major banks, including XXXX and XXXX are so deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with Atlantic Credit & Finance, Inc. (MT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe I may be involved in the Equifax security breach on XXXX XXXX. I will set up a fraud alert to be placed on my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP

Company response to consumer: Closed with explanation