milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me

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 02-01-2017 about Mortgage (Other mortgage) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: Royal United Mortgage contacted me ( by phone ) and we discussed a Re-fi with cash out on a home that is in my name, but my son lives there and make the pymts. I explained I wanted his name along with mine on the new mortgage, so I was told 'no problem ' .After taking my personal info. and asked to forward my income tax for 2 yrs., I can no longer make contact with XXXX , assit.AVP of Lending XXXX w/Royal United Mortg . Does not return calls, plus I have found that it is not even possible for that type of loan to be done in Texas. So I am not sure what damage I have endured as yet, I know she has a lot of my personal info.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Credit bureau is in direct violation of Metro 2 compliance, FCRA, and FDCPA.

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 02-09-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Trouble during payment process

Complaint: I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. ().
Issue: Credit determination

Complaint: I am a XXXX ; in NY on XXXX XXXX I applied with my wife for a us macy 's XXXX ; ihave no XXXX BUT I HAVE a XXXX ; I provided my identity - a XXXX driver 's license and I authorized a credit search ; I have never had credit problems I got a letter dated XXXX XXXX saying I can not get a Macy 's XXXX card but only a Macy 's card as I am not a resident of the XXXX I feel discriminated based on my national origin ; I have a XXXX American credit card and XXXX XXXX XXXX credit cards issued respectively by the XXXX and 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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true

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 05-03-2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent a cease and desist letter to World Finance several weeks ago and they continue to harass me and use threatening language. The letter was sent XXXX XXXX, 2016. When they call they state they do n't care about what the letter states and harass me over the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ). 

I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a XXXX and have worked full time since 2012 aside from maternity leave. I was fortunate to qualify for XXXX Loan Repayment through XXXX and XXXX which helps me make payments for 3 years, providing me more money each month than I am required to pay to FedLoan Servicing. 

Recently I submitted my Public Service Loan Forgiveness ( PSLF ) certification but was shocked to see that I have only made XXXX qualifying payments in the 4 years that I have been working at my XXXX. FedLoan Servicing 's justification is that the extra money that I paid on top of what was due, automatically was put towards the next month, disqualifying ALL of those payments from PSLF. 

For each month I made payments from between {$2800.00} and XXXX each month, while only required to pay {$720.00}. My bills however show {$0.00} due every month. 

I find it outrageous and disheartening that by default, overpaying your bill each month would result in " Paid Ahead '' disqualifying payments from the PSLF program, unless I had taken additional steps to personally request that the money not be put towards the following month. I feel like the last 3 years of my payments have been wasted, and my XXXX program actually extended my PSLF months. 

This results in 3 years of additional payments, which is real money. It results in me being locked into a qualifying employment situation for XXXX additional years, all because for a period of time I was able to pay extra. I find it unjustifiable that by default, extra payments have negatively impacted my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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 had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is requesting payment for an account that I do not owe on. {$140.00} from XXXX These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TRANSUNION. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$140.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TRANSUNION AND XXXX, in their respective states if this is not resolved NOW! TRANSUNION and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with TRANSUNION. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with TRANSUNION! 
I have submitted as well an official SS card and pay stub, wtc with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, 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 12-02-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit card protection / Debt protection

Complaint: {$1000.00} of fraudulent charges were made to my Citibank card on XX/XX/XXXX. After reporting the fraud on XX/XX/XXXX, Citibank reversed {$940.00} of fraudulent charges on XX/XX/XXXX. 

After closing the card and reopening a new one on XX/XX/XXXX, Citibank has not removed the last {$100.00} in fraudulent charges after stating that they would apply a credit to my account within 3-4 business days. Citibank has told me that they will charge a late fee for the minimum amount due that is late, even though it is a fraudulent charge that a customer service representative claimed they would remove. 

I have been told conflicting information from various representatives : pay the minimum amount versus do n't pay the minimum amount, there 's nothing customer service can do versus the fraud department can not do anything because it 's a customer service issue. 

I 'm not sure who to contact because Citibank 's customer service team seems to be unaware of who to contact in order to remedy this situation, and that I will be forced to i. pay a late fee on a fraudulent charge, ii. pay the balance for a fraudulent charge or iii. use Citibank 's 1 time waiver of the late fee for a fraudulent charge that they can not remove in time.

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 03/24/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Conn's, Inc. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX {$1700.00} 2014 I bought a Laptop and took it back within 2 days and the have a 14 day return policy I dont so instead of helping me they made it as as I repo the laptop and they want me to pay the whole {$1700.00} They wont help and I feel like its messed up and not right they threaten me that they hurt my credit and and try to sue me.,.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with APPLE RECOVERY, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!

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 05/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint on XX/XX/XXXX about what I owe. Green tree responded and requested 60 days to respond. I called before my XXXX payment was due and asked if I am supposed to make payments while it is being investigated and the representative told me I am. I need clarification on this because according to the FTC and CFPB, Green tree is supposed to hault collecting payments until I have received a completed response. If that is so, why have my automatic payments still been drafted since complaining on XX/XX/XXXX? As, well, told by a Green tree rep that I still have to pay. Please let me know an answer and if my payments are supposed to be stopped because of that order, what does this mean in regards to my account and not being foreclosed if payments are n't received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing statement

Complaint: JC PENNEY has completely failed to established the information you are reporting for the following account is accurate : Instead, JC PENNEY have provided is merely a computer screen print out that establishes nothing. I suggest JC PENNEY familiarize themselves with the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. XX/XX/XXXX et. seq. ) before proceeding any further. I suggest JC PENNEY review the applicable regulations which can be found at www.ftc.gov, the website for the Federal Trade Commission ( FTC ), the oversight and regulating agency for your industry. 

There JC PENNEY will find that, in accordance with the FCBA ( see specifically 15 U.S.C. XXXX XXXX, it is your responsibility to establish the following : No unauthorized charges occurred. 
charges do not list the wrong date or amount ; there were no charges for goods and services that I did n't accept or were n't delivered as agreed ; you did not make any math errors ; you did not fail to post payments and other credits, such as returns ; you did not fail to send bills to my current address ; and charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Transaction issue

Complaint: I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam. There were several charges made on various cards including wire transfers from my bank account all for absolutely nothing. I have filed complaints with the XXXX and have recently discovered that I may have not received the proper handling of my disputes when I was denied last year. I am hoping that this complaint can get to someone capable of re-opening and properly investigating my claims as they should have done when last year when I first reported. The charge that I am refuting is for {$6400.00} to XXXX XXXX XXXX aka XXXX. The reason for this dispute was due to their deceptive sales tactics they used to obtain by business. They did not provide the services I was sold and did not disclose the additional expenses that would be required of me. These charges for goods and services that were significantly different from that which was presented.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Advertising and marketing

Complaint: I opened a credit card with fifth third bank that included an introductory bonus offer of {$100.00} for spending {$1000.00} in the first 3 months. I met the requirement and it was not paid so after a month I contacted fifth third bank. I was told the bonus would be paid within 6 to 8 weeks after meeting the requirement. I met the requirement over two months ago and the bonus has still not been paid. I would like the bonus to be paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called TD bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I attempted to close a checking account with Citibank around XXXX 2014, withdrawing all funds. I have recently learned that following my attempt to close the account, Citi did not close it and continued to charge me fees on the account without my knowledge. This accumulated balance of {$190.00} was eventually transferred to a collections agency, charged-off by Citi, and reported to credit agencies, adversely affecting my otherwise strong credit score, all without my knowledge. Once I learned of it, I attempted to explain and resolve the situation with Citi but got no where, as Citi said they no longer had information on the source of the charge, and it has proven impossible to get to the bottom of this. I recently paid the amount to the collections agency in a belated attempt to fix my credit score, having given up on any hope of getting Citi to correct their error after hours of attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with National Credit Systems,Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection.

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