milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have tried since XX/XX/XXXX and XX/XX/XXXX and now trying to get this removed fro my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Sir A review of my account history was information based on previously biased credit reports that states inaccurately the reason for a delinquency within my account. The bank reporting indicated that my mortgage payment was not paid, after the XXXX of my spouse. The account was enrolled in an automatic capacity at the time of her passing. The bank independently canceled these payment to my montage resulting in delinquencies. I argued that I had not been notified by the bank before taking the above action, which was created on XXXX 2015, and damaged my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage broker made an unathorized withdrawal from my checking account in the amount of {$3000.00} which includes a XXXX dollar wire transfer fee as my mortgage is {$2700.00} they helped themselves to {$230.00} additionally. It is criminal that any entity can withdraw funds without your permission. I want sanctions against Ditech Financial for robbing my account. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are repeatedly robocalling me sometimes more than XXXX time in an XXXX at my work. For instance yesterday, They robo called saying they were a collection agency at XXXX ; XXXX then at XXXX. I have asked for a Validation of Debt which they did not provide and also a Cease of Communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened Citi bank check in account with a promotional offer XXXX on XX/XX/XXXX and fulfill all terms and conditions, so that I should get {$400.00} promotional reward by XX/XX/XXXX. I made several contacts with Citi, but they said wait till this date. Today it is XXXX and this has not come. Citi should give penalty for this service. If there is a delay in payment to credit cards or cash advance, they put heavy penalty to me. I would like to have Citi give me penalty for their mistakes. I have almost followed more than 10 times with Citi

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 Credit card or prepaid card (General-purpose credit card or charge card) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made several attempts to notify this company as well as the original creditor that I have paid this debt and advised apartment employees at the time of when this would be paid. It has been 2 years and I reviewed my credit report and became aware of the balance on the account and my account being placed in collections. I have requested a copy of my lease from XXXX ( XXXX ) because of Identity Theft and a broken lease that was placed on my credit at the time I lived there, I have not received it nor has there been any correspondence. I have called several times over several months to address the lease, and after being made aware of the balance I am being accused of owing I have attempted to get this resolved and have not heard anything back. I have attempted to contact corporate, XXXX XXXX, the collection agency Hunter Warfield, now here I am. This debt was paid XX/XX/2015 and was roughly {$1400.00}. I am really tired of all of the false promises that have been made with hopes that I would be assisted, and have not been.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2017 about Debt collection (Medical debt) with Global Resolution Group, LLC (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics

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 11-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I checked my free credit report in www.freecreditreport.com which says that it is a part of Experion. It said I have to pay {$1.00} to get my score and so I paid {$1.00}. What it did n't say that it automatically enrols me in some EXPERION membership which, if I do n't cancel within 7 days, they would start charging me membership fee. NO. THEY DID NOT MENTION ANYTHING. 
Now after 7 days, Experion started charging me {$21.00} monthly for my membership with them which I did not authorise or even enrolled myself for. Is freecreditreport.com is a proxy face for EXPERION to do these things? And yes! There are XXXX complaints against EXPERION for doing this same thing. XXXXBut it seems nobody is bothered to take any action!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Seterus in XXXX XXXX from XXXX XXXX XXXX. The escrow account was shorted when transferred to Seterus and my last payment to XXXX was not applied nor forwarded to Seterus. I have called and worked with XXXX and Seterus for a full year. However, no one wants to take ownership and step up to help fix the problem. The loan has been behind from day 1 with Seterus and is falling farther behind -- even as I continue to make payments for over the amount due in an attempt to catch my mortgage up. 
My loan continues to be hit with charges driving my loan farther behind and into foreclosure. I believe total mismanagement of my escrow account and payments have occurred. I have called and asked to speak to a supervisor or be assigned a specific representative so I do not have to start at XXXX every time I call and attempt to get this fixed. The last time I called- I waited to speak to a supervisor on hold for XXXX minutes and then I was disconnected/hung up on. I ca n't believe they are going to foreclose when I had been current until my last month with XXXX. I have attempted to login online to the Seterus website. All I can see is just a big black box ; the whole screen is black. I ca n't see any details regarding my loan. 
I received approx. {$700.00} in XXXX XXXX from XXXX XXXX XXXX stating they have now found the funds and 'fixed my mortgage balance '. But my mortgage is not fixed and {$700.00} will not fix the problem due to all the legal and late fees now on my account. I asked Seterus if I send the money XXXX shorted at transfer and refunded me which causing my mortgage to be behind and increasing my payment due to the escrow shortage- 'will you go back and reapply my payments correctly and remove all the extra charges- legal and late '. Seterus says they will run analysis and get back with me in two weeks. I never hear back from Seterus. I keep calling them back and usually end up on the phone for about an hour while the representative looks things up and then Seterus employees says the same thing!! 'We need to run an analysis and will get back with you in two weeks. Now I 'm two weeks from foreclosure!!! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on different dates and I noticed all unauthorized inquirys had been made. and already contacted all the banks and bureaus the only inquiry 's that is suppose to be on my report is XXXX XXXX XXXX. I 'm trying to shop for a car and im denied by banks cause of inquiry 's and i hav n't even made inquiry 's since my first car. only things that should be on my report are All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I contacted all the banks, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. they made an investigation and said i made the inquiry but i did NOT sign for these inquiry 's. i think i gave my social out to a scammer to a fake site that i thought is real. I already completed disputes with TransUnion. I had sent letters to the banks to send transunion a letter to remove unauthorized inquiry 's and i did not get a response back after that. 

I request that you remove all my inquiry 's on my credit report EXCEPT XXXX XXXX XXXX. once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address XXXX XXXX XXXX XXXX, XXXX XXXX If you find the inquiry referenced above to be valid WITH MY SIGNATURE, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. If my inquires do not get removed i will be taking this to a higher level of the bureau to the United States Government Consumer Financial protection bureau within 10 days i will continue to send letters to everyone i possibly can until this is resolved as well as i will get a lawyer to keep sending letters. 

Remove all unauthorized inquiries on my credit report. or i will keep lettering out to everyone continously. This is very hard on me when im trying to shop for a car with 6 people in my family that are all XXXX and i shouldnt have to go through all this on stuff i did not pull. everytime i send letters i call transunion back and the dispute process is told to me same way after i tried there process many many times. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: 2 creditors that seem to lack logic and adequate information to paid services is 1. Equifax 2.    XXXX  On   XXXX   XXXX   XXXX   I made a final payment to the collector "   XXXX   XXXX   '' located in Florida used by  XXXX   XXXX   XXXX  to pay a debt of  XXXX  which as finalized on  XXXX   XXXX ,   XXXX   I called  XXXX   XXXX   XXXX  today (  XXXX  ) regarding the wrong information still posted on my credit report by both creditors stating i still owe  XXXX  which is a complete lie and fraudulent accusation against me.  XXXX   XXXX   XXXX  in turn called  XXXX   XXXX  with me on the line (  XXXX  convo ) asking to have me removed as i show a {$0.00} balance on thier records,  XXXX   XXXX  complied with the statement the case of owing {$480.00} has been paid in full and is now closed. But the creditors they claim they reported this too have ignored it and refuse yet again to comply. I have had it with this nonsense of these entrepreneurial companies playing with peoples lives like mine

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Agreed amount paid to settle debt with stipulation that updated reporting would be done to XXXX major credit bureaus. Debt paid but reporting not made to XXXX major credit bureaus.

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 06-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed public record with Equifax that are not mine. Equifax said they investigated and refused to remove the account but then re aged the original date from the original XXXX date to XXXX XXXX!! I have contacted Equifax and they still refused to remove the account. 

The other XXXX credit bureaus has since removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with documents that their company has on file used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified '' That I have disputed. Please resolve this matter as soon as possible. Thanks You.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MS).
Issue: Taking out the loan or lease

Complaint: I have a vehicle that was financed through Nuvell/Ally Financial in XXXX. It was paid off in XXXX. I am trying to get a replacement title because I never received XXXX. The XXXX informed me that there is still a lien on my car and that I need a lien release letter from Ally to get a new title. I have been calling since XXXX ( it is now XXXX/XXXX/XXXX ). They say they have faxed and mailed this letter to me, but I have yet to receive anything. I have spoken to CSR 's and supervisors, with nothing helping.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union is in violation of the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ). TransUnion is required by Federal law to verify, they have not and continue to report inaccurate information.

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 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: My identity was stolen and I immediately placed fraud alerts on my credit. After days of spending hours on the phone each day, I decided to do a freeze in hopes this may slow down the fraudulent applications and lesson the serious burden on my time. XXXX accepted the freeze but only until XX/XX/XXXX. XXXX XXXX denied the freeze because I already had an alert but charged me and sent a confirmation the freeze was placed. Experian wont accept the request and instead wants me to package up highly sensitive personal information and mail it to them, which is highly risky and frankly idiotic. Its irresponsible and reckless for them to require this.

So all 3 bureaus have turned what should be simple for the consumer to request into a circus of incompetence!

I did nothing wrong, yet all the burden has fallen on me. The bureaus should be required by regulation to make this process seamless, secure and supportive to the consumer. Experian offers zero phone support. I tried working through their IVR for an hour and all you can get us a recorded message. This is not acceptable! I am trying to protect myself, which also protects creditors and the health of our financial community. It should not be so difficult, burdensome, and financially draining! All I want is my Credit frozen!! Why wont someone help 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 explanation
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other

Complaint: Capital One USA has been reporting to the XXXX credit bureaus that I have a credit card with a credit limit of {$10000.00}. Initially, I was not sure if this was my credit card account since there had not been any activity on it since XXXX. I requested a fraud investigation. Capital One requested additional information from me which I sent to them XXXX/XXXX/XXXX. They researched my account and found no evidence of fraud and placed a disagreement code with a resolution of dispute on my credit file. So I requested a credit card to be mailed to me so I can utilize the account and low interest rate. They refuse to issue me a credit card so I have no access to the {$10000.00} credit limit they are reporting is available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Student loan (Non-federal student loan) with Genesis Lending (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a XXXX of XXXX University. XXXX of the XXXX Colleges. I did receive a relief of my student loan that I took out with Genesis Lending in 2012. They made me take out an additional loan in order for me to graduate. Please can you assist in this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation