milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding has reported false information. They have illegally re-aged this debt. The original debt from XXXX XXXX was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with Midland Funding or XXXX XXXX. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XX/XX/XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor XXXX XXXX Nevada when in truth it is just XXXX XXXX. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I scheduled an automatic payment for my XXXX credit card. Comenity bank does not offer auto payments, thinking about this- how stupid? They obviously pray on people by using a very complicated site that barely function correctly. I was surprised to receive notice that my payment was missed. I check my internet history and it shows the completed scheduled payment link, just as it does my XXXX card, which is issued by the same bank, which went through. I emailed and received a canned response. They need to streamline their program to allow automatic payments and ensure their website functions correctly at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a few problems lately with equalifax one is in XXXX they reported a change of address that drop me XXXX points which i have had the same address for the pass 5 plus years on my report then i dispute a collection iteam on my report which was remove then put back on so i drop XXXX points on my score plus there are XXXX judgments that are not on my our reports XXXX or XXXX and they are not my its unfair that i am being treated like this again my other credit report agency are reporting correct how exqulifax is reporting false information is unacceptable i been continuly been disputing these iteams with no resolved. What ever help your agency can do to restore my credit file will be greatly appreciate. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NE).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Creditrepair.com Holdings, Inc. (NC).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2017, I signed up for credit repair services with creditrepair.com and prepaid before any work was performed on my behalf. I contacted creditrepair.com to have one disputed negative item removed from my credit reports. <P/>On XXXX XXXX 2017, I paid {$14.00} to send my three credit reports. <P/>On XXXX XXXX 2017, a total of {$99.00} was paid for credit repair services which according to creditrepair.com included " credit challenges sent '' to the credit bureaus. I am unsure what credit challenges entailed. <P/>On XXXX XXXX 2017, I faxed documentation to support the billing reporting errors for the negative account and this was done to assist creditrepair.com in getting the negative account removed since my billing statements and what was reported by the credit bureaus were not a match. <P/>On XXXX XXXX 2017, another {$99.00} was paid for " credit challenges sent '' to the credit bureaus. <P/>On XXXX XXXX 2017, I received notification of credit reports received. Although, I already submitted my credit reports on XXXX XXXX 2017, creditrepair.com continued to send my credit reports to the bureaus as late as XX/XX/XXXX. <P/>On XXXX XXXX 2017, I received notification of credit challenges sent again but no evidence of these letters. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly asked creditrepair.com for proof of the work that they were doing for me. As of today, I do not have this information. <P/>On XXXX XXXX 2017, creditrepair.com informed me that they were unable to get the negative account information removed from my credit bureau reports and closed my account. I was also informed that the supporting documents ( credit card statements from the negative account ) indicated late payments which creditrepair.com was unable to handle. <P/>On XXXX XXXX 2017, I informed creditrepair.com that I NEVER disputed late payments. However, I hired the credit repair service to dispute the MINIMUM MONTHLY PAYMENT AMOUNT on my statements versus what the credit bureaus were reporting. This information does NOT match. According to the FCRA information reported by the credit bureaus should match ( 100 percent ) what is reported by the creditor. <P/>Creditrepair.com lied to me as well as misrepresented what their capabilities were with regard to disputing negative information reported by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account on XXXX XXXX, 2016 after receiving an offer awarding XXXX XXXX XXXX miles upon the opening of the account, and completing several activites ( debit card purchases of {$1000.00} and 1 or more bill payments for two consecutive months, all within the first 60 days of opening the account ), with promotion code XXXX. I successfully opening the account, completing both activities on XXXX XXXX. I verified the terms of the promotion code with an online representative, and said that the miles would be awarded 90 days following completion of the requirements, or XXXX XXXX. I waited the stated time, and when they did n't post to my XXXX XXXX account I contacted CitiBank. They stated that since I was not 'targeted ' that I would not be eligible for the promotion. Nowhere on the terms and conditions of the promotion does it mention needing to be targeted, only that I needed to receive the promotion, which I obviously did since I used that promotion code. I submitted another request for them to reevaluate their decision about 1 month ago, however have not heard anything since. Therefore, I believe that I am due the XXXX award miles promised with the terms of the promotion.

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 12-07-2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have an ongoing dispute with RoundPoint Mortgage Servicing Corporation XXXX. 
XXXX, NC XXXX https : //www.rpmservicing.com/ Phone XXXX RoundPoint XXXX up my escrow account and trying to make me pay extra {$500.00} per month ( they included our property taxes in the escrow account while based on the closing agreement we pay them on our own ). I called company at least 4 times to resolve this issue and at this point I 've been told a million things by their various employees claiming everything from " I do n't have to pay until receive a new escrow statement analysis and new invoice and your late fees will be waived " to ' you have to pay full amount anyway '' Recently I 've got a new escrow analysis statement, but they again XXXX it up made it effective just XX/XX/2017 and I 've got a new invoice with wrong amounts for two month now and a late fees. Could you please help me in this matter, your help will be highly appreciated.

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 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Was told payment would keep debt from reflecting on my credit as a collection action. Payment made over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It  is 2017 and I h ave repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I file a written and verbal dispute with both Transunion and  XXXX  several times throughout a year to investigate, update or remove from credit report regarding inaccurate  " Tax Lien '' rep orted on my credit report.     Both credit agency Transunion and   XXXX   has stated they have completed an investigation and reported the  GA State Tax Lien is r eported " Released Lien. '' As stated I submitted a letter of dispute based on inaccurate information on the both reports.     The dates the report was filed on :  XXXX   XXXX ,    2017  to  XXXX  file #  XXXX  - GA Departme nt of Revenue Tax Lien File  : #  XXXX  {$980.00} and #  XXXX  {$1700.00}  XXXX   XXXX ,  2017  to Transunion file #  XXXX  - GA Departmen t of Revenue Tax Lien File : #   XXXX  {$980.00}

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 03/22/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered. 
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.

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 Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. 
I 'm filing a complaint because of the lack of help and correspondences with her lender. The loan was approved for a short sale. The offer was put in for a short sale and the offer submitted was not enough. A new contract and offer was also submitted and they are refusing to move forward with the short sale because " a short sale can not be done at this point because there is not enough time for the short sale process. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I dont owe money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (Medical) with PASCO, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with SYNCHRONY FINANCIAL (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i never had this account

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 03/17/2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Balance transfer

Complaint: I did a zero percent promotional balance transfer in XXXX 2015. I always refer to my monthly statements to keep aware of the XXXX percent expiration date, my goal is always to pay off the balance before I accrue and pay any interest. My on-line credit card statement does not show the zero expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX Date of Last Payment, Date of Last Activity is still not being reported after their investigation. Account was also not validated, no copies of signed contract and no payment history. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In recent review of my credit reports from the XXXX major credit agencies, I see that XXXX different creditors are reporting the same account. I request a total deletion under the FCRA, according to my understanding of the Fair Credit Reporting Act, their duty as creditors is a to accurately report all accounts and to correct any and all mistakes as found by their accounting department or by myself as a the consumer. I thank you in advance for upholding the federal law as indicated by FCRA, and removing these accounts immediately. 

XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX account # XXXX Midland Credit Managemnet XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid our account literally ONE HOUR late. 

They charged us {$25.00} and I called twice to have them rebate it and they would n't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation