milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with Law Offices Howard Lee Schiff, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX commenced a lawsuit through the Law Offices of Howard Lee Schiff. P.C [ Schiff Law Office ]. in XXXX XXXX to collect a debt that had already been paid. XXXX XXXX 's law firm obtained a judgment improperly and executed on my bank accounts. When later presented with the proof by my attorney that payment on the balance had been made 2 years previously in connection with a home loan refinance, XXXX XXXX and the Schiff Law Office ignored the efforts to reach a resolution of the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent 2 certified letters to HUNTER WARFIELD they have refused to acknowledge these letter for them to Only to ( VALIDATED ) this so called debt I Dont need a verification done I demand this debt to be VALIDATED by XX/XX/2018 received this Certified letter on XX/XX/2018 Tracking number # XXXX this company is demand they VALIDATED this debt they claim I owe. They have refused to VALIDATED this so called debt I will be filling a lawsuit against this company if debt not VALIDATED within the time allowed. Send results by email only @ XXXX UCC 1-308 WITHOUT PREJUDICE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: hello i have filed a complain about wells fargo with cfpb complain # XXXX and explained that even though a let them know that reason i was canceling my debt card with them was that XXXX rent a car was attempting to charge my card something i dont owe and canceled the card befor they actuly charged and still wells fargo paid those fradulant chargesthey did not do anything and know this company continues to charge my card as of XX/XX/XXXX XXXXwith no reason please help me my account is about to be close because of wells fargo to acknowledge there mistake

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Auto) with FORD MOTOR CREDIT CO. (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was XXXX in XXXX in XXXX XXXX and I received an email in XXXX that my Clearance was being Adjudicated, on XXXX XXXX, XXXX a list of the accounts was provided from my XXXX and I then learned one of the accounts involving a Ford Motor Account that had been reported as Charged Off by the Credit Reporting Agency. I was sent a picture of a Collection letter that was sent to my children 's home in XXXX NC, I called the Law Office on XXXX XXXX, XXXX and explained that I was currently XXXX in XXXX and had disputed the account with Ford Motor because I had requested that the account be adjusted for charges and fees paid in violation of the SCRA over the 5 year period I had been recalled to XXXX XXXX. I had been XXXX a few times during that time and had know idea that the account had be charged off or placed into collections, I also stated that I was very willing to pay the account in full, once the charges were adjusted according to the SCRA 6 % Limitations, and that last thing I wanted was for this to become a court case. She told me that the case was placed with the firms office, and they had n't contacted anyone about the account and as long as I was willing to work with them to get it paid, it would n't be filed in a court action. I had been calling the law firm office and was still waiting to hear back about the adjustments, but it was the XXXX holiday and I had n't been able to reach anyone for almost 3 weeks when a Default Judgement was mailed to the North Carolina address in XXXX XXXX. I was never told that a Complaint was filed and the only thing in the mail was a Motion for a Default Judgement without a hearing, there was n't a Complaint Filed that I can see and I did n't want to call the collection agency back after I realized that they had just been stalling me about the adjustments to the account. The judgement has been placed on my credit report by the Court, I thought that they had been notified about my XXXX and that I did n't reside in North Carolina, but a Clerk of Court through the documents filed with the Court on XXXX XXXX, XXXX away. I do n't think contacting the Court myself will help, and even a Attorney would be seen as my representative, and could give the Court jurisdiction. I ca n't afford a Attorney and I do n't trust the law firm who deceived me last year, so I 'm hoping contacting them through the CFPB will make sure I 'm not blocked by a Clerk and a Judge can Vacate the Judgement or Dismiss it. I 'm afraid this Attorney will drain my bank account or something else, she has been sending letter to the house in XXXX and threatening my family. I feel like I do n't have any way to stop this attorney from harassing my family except paying them, I do n't see why they did n't just let me pay Ford Motor in XXXX, is n't that what a Collection Agency does? I will not have any further contact with this firm.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Other mortgage) with BANK OF THE WEST (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We obtained mortage from Bank of the West on a business property that my wife uses as her business in XXXX of 2013. We have paid as agreed, however my wife has been XXXX, and can no longer conduct her business. We have decided we need to sell the property, but the bank will of course accelerate the loan and will trigger the due on sale clause. At this stage they also want to charge me a prepayment penalty. We can not afford to sell the building and pay approx {$18000.00} in a prepayment penalty. Kind of like a Catch 22 situation. 
We would like the bank to take these other factors into account. 

WE HAVE PAID FAITHFULLY AND UP UNTIL THIS POINT I HAVE TOLD ANYONE WHO WILL LISTEN THAT I THOUGHT THE BANK WAS GREAT TO DO BUSINESS WITH. I BELIEVE I AM RESPONSIBLE FOR AT LEAST XXXX OTHER PARTIES USING THEIR SERVICES. 
I WOULD LIKE TO REMAIN ON A GOOD FOOTING WITH THEM, AS I HAVE OTHER BUSINESS WITH THEM. HOWEVER I FEEL THE ENFORCING BOTH THE DUE ON SALE AND THE PREPAYMENT PENALTY IS WRONG.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: 23 year customer with Bank of America. 

Failed to update my address despite repeated requests. 

Froze and closed account with no notice. 

Will not promise to return funds until XXXX of XXXX. 

16 days with no money ( all my funds were in that account ) except {$3.00} in my pocket. 

And just before 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 monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 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: Account information incorrect

Complaint: All of this started XX/XX/XXXX when I decided to check my credit scores via XXXX XXXX. I discovered that my TransUnion score had dropped 30 points!! I panicked and immediately called Transunion and had my account frozen, thinking I could have been a victim of some kind of fraud. Because of this, I ended up freezing all of my accounts with the credit bureaus. I was able to figure out that XXXX had decided to close my store card, without any communication, four years after opening the account. I never had a store card before and I did n't even know this was something that could have happened. Since then I 've called both parties multiple times, launched countless investigations, and even wrote letters to XXXX directly. Still to this day my TransUnion credit report states that my account was opened XX/XX/XXXX and closed XX/XX/XXXX. In reality my account was again, closed without any communication, XX/XX/XXXX! XXXX XXXX has launched investigations and claim that there 's nothing more that they can do. That TransUnion is just reporting the information inaccurately. And Transunion claims that they just report the information that they are given. XXXX is now reporting the correct information and I 've even told TransUnion this. Still have gotten nowhere two years later. I never would have imagined they would have been so difficult to get somebody to do the right thing. Not only as what is being reported a lie!!! But the time being reported does n't even make sense as far as " closed due to inactivity '' or any other reason for that matter. I have no faith in the credit bureaus and I will never shop at XXXX ever again. Please 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 non-monetary relief
Consumer complaint received 04/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against TransUnion. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Based on the agreement/settlement between the states attorney and the credit reporting agencies on XXXX XXXX that they will eliminate the reporting of debts that did not arise from a contract or agreement by the consumer to pay, such as tickets or fines credit reporting transactions listed as unacceptable data ... Examples include, but are not limited to : towing charges, vehicle storage fees, parking and traffic tickets/fines, toll road fines/fees. '' " Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, library fees or fines, parking tickets, speeding tickets, and court fees or fines. " Motorists with existing red light camera, speed camera or parking ticket debt on their credit report can expect that their records will be cleared. Under the legal settlement, consumers have new rights to dispute incorrect items on their report. 
Traffic Tickets and Government Fines Will Not Appear in Credit Reports Cities and counties often refer traffic tickets and government fines to collection agencies, or sell them to debt buyers. Currently, collection agencies and debt buyers report these tickets and fines as " debt '' to the CRAs.Beginning in XXXX XXXX, CRAs will no longer report debt that " did not arise from any contract or agreement to pay, '' such as traffic tickets and government fines. 
I have XXXX paid parking tickets on my experian credit report that should be deleted based on this new policy. I previously disputed them and was told that they was not parking tickets. I have provided that they are parking tickets in the attached documents from the City of XXXX XXXX Parking Administration. 
CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # XXXX CITY OF XXXX XXXX Account # 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 11/30/2016 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Over XXXX years ago I was on a note with my ex husband. We divorced, he let auto get behind. I talked with XXXX. Paid the amt told to pay without having a repossession on my credit. They still reported it as paid charged out. Can i please dispute this and get it removed. I paid over XXXX dollars to prevent this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: I have asked for validation of this debts multiple times. They keep saying it vaildated without sending my documentation I am requested. By law they are suppose to have my contract on file. They are breaking the federal law by not proving this debt is mine and keep reporting it to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted Experian to delete an account from my credit file because the it 's not my account and the collection company (   XXXX   XXXX   ) {$290.00} refused to provide validation of the debt or delete the debt from Experian because they are n't requiring much for validation. I 've already filed a complaint against   XXXX   XXXX   debt with CFPB and they 've deleted the debt from my  XXXX  and  XXXX  credit file because they did n't provide the validatity. The reason I 'm filing against Experian is that if the company ca n't provide me with proof of the debt with original documents, how are they providing validation to Experian other than responding yes to questions asked. It 's been over 60 days since my request from the collection company. I 've asked the company for specific validation such as original agreement with my signature and the agreement between the collection company and the original creditor and bill with charges and interest. And no cooperation.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax continues to report information for the charged off account XXXX XXXX XXXX even though the FCRA 7 year reporting rule has expired. The date of first delinquency for this account was XXXX 2010. Both XXXX and XXXX have correctly removed this account but Equifax continues to report it. I have disputed this with Equifax previously without results.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with U.S. BANCORP (NC).
Issue: Account opening, closing, or management

Complaint: I have incurred reoccurring charges on my account for overdraft fees, extended late fees for over thirty-days. The bank claims to have sent letters, which we do not have record of receiving. No phone calls were made to me, nor emails. If finding this out today, they advise me the account will be charged off in 8 days, and they refuse to put a no debt hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Payday loan () with Enova International, Inc. (OH).
Issue: Payment to acct not credited

Complaint: the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation