milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing statement

Complaint: I had a corporate card with AMEX while I was employed by my previously firm which I left in XXXX of 2015. When I left, I had no balance on the card, but a recent charge was posted as I left which left a remaining balance of approximately XXXX dollars that was deducted from my reimbursements at the time of my leaving the firm as the last bill did not post until I had left. They cancelled the card. AMEX stated that I owed this money and I paid AMEX, which they later reimbursed me as they double collected and realized they made an error. 

However, several months later AMEX began to charge me past due fees on a non-existant debt that was double paid and reimbursed to me which I called and they reversed as the bill had been paid and they said they would take care of it. This happened on multiple occassions every couple of months and I would call, they would reverse the bill and apologize as there should have been no charge. However, the bill continues to increase with delinquency fees on delinquency fees and my contacts to them results in them reversing the charges for them to continue to reinstate them. 

I believe AMEX has ineffective payment systems and processes which allow the entity to charge fees where there is no underlying balance, stack those fees, agree to waive those fees upon contact by the customer, and then continue to stack those fees in abrogation of their stated response. As a result, I believe that AMEX did not raise my issues as complaints as they should have been and they may have difficulty in their complaint management processes, but more directly, they have violated XXXX XXXX XXXX and XXXX XXXX XXXX relating to UDAAP as allocated to the CFPB as both deceptive ( direct contact and reflection of the statements made to me claiming the fees were waived and no additional action was required on multiple occassions ) and unfair ( relating to their billing practices and underlying systems that failed to recognize payments and deduct wrongfully billed fees ). While these were 'business ' credit cards, I believe the CFPB should consider authority under the end result of the business card being applied to the individual as a consumer who was not employed by the entity at the time of any wrongful actions even if the underlying requirement was the result of an initial employment situation and business context. 

More likely though, I believe it is a violation of XXXX XXXX XXXX ( FTC XXXX XXXX ) or more commonly known as UDAP under the previously mentioned prongs for deceptive based on the misleading conduct of the agents to the end result and the underlying unfair billing practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My name XXXX, authorized agent for the XXXX XXXX account with AMERCA 'S SERVICING COMPANY act. # XXXX. I had a foreclosure case that was dismissed with prejudice under Rule 12Q for want for fraud. I rescinded my mortgage also pursuant to the Truth in Lending Act and recent US SUPREME COURT unanimous decision upholding TILA. My home was sold about a year ago. XXXX XXXX no longer owns it. This company will not stop harassing me no matter how many times I have communication with them. I have written them numerous times. They call me a minimum 5x's/day. I tell them I only do business in writing. They will not stop calling me. Please make them stop. The debt no longer exists since the mortgage was rescinded and the case was dismissed with prejudice. I do not want a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.

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 10/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have been having problems with this account for almost a year ... They are missing my payments in their computer system and abusing with interest fees. 

I requested a wire transfer to clean out the amount due XXXX or XXXX weeks ago. 

I have been working with my bank XXXX XXXXXXXX XXXX in obtaining my bank statements,. 
Which I have NOT received. 

Which would contain all transactions for the past XXXX months. 

I requested a transfer of XXXX to this account which is also missing. 

CAN SOMEONE 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 monetary relief
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have written numerous letters to the This credit bureau about the method of verification. I have asked specifically for the information of who, and which company or clerks office has verified that I have XXXX bankruptcies on my credit report. The companies only respond with a general overview of there method of verification process, but refuse to answer the letters. 

XXXX. I dont want an overview of the method of verifcation, I want to know specifically a name and or organization that has verified that I have the public records. 
XXXX. I have included a written response from the Clerk that declares they have not verified any public information. 
XXXX. I have included a letter from XXXX showing that all of my public information has been suppressed. 

I have been refused the right to know how this public record has been verified on my according to the FCRA.

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 10-01-2017 about Debt collection (Other debt) with ERC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft and my ftc theft report number is 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 01/18/2016 about Debt collection (Auto) with DriveTime (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Paid In Full, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Early in XXXX, 2017 US Bank sent a letter stating I contacted US bank to convert my XXXX XXXX card to a new type XXXX XXXX  card. I never contacted us bank to convert my card. In fact I did not have a XXXX XXXX card with us bank. They explained that in fact they converted my US Bank Visa card to a new XXXX XXXX XXXX card with out my permission.
I believe at the least the company committed fraud, lied about me contacting us bank, and issued a XXXX XXXX card without my permission.
I understand from us bank customer service, that they did this to many customers, that had not used the visa card for some time to get them to use a new XXXX XXXX card. This could number into the thousands they frauded I have attached documents to complaint

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 Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc. 
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed. 
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies. 
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value?? 
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account. 
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me. 
Thanks Regards 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 monetary relief
Consumer complaint received 09/24/2015 about Debt collection (Medical) with Collection Bureau of America Ltd. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection company called CBA sent me to collection without the notice to dispute the validity of the debt. This is a medical bill from a XXXX that was supposed to be paid by XXXX. This was back in 2011, account # XXXX maybe they were sending the bills to my former address, I have been in a very difficult financial situation, I am on XXXX. I saw this collection in my credit record. My original amount was {$630.00}, I called them today to make a payment arrangement but a lady told me that I owe them {$870.00}, that is {$240.00} more than the original amount FOR A MEDICAL BILL, THE AMOUNT IT 'S GOING UP EVERY MONTHI do not know if this is legal because I have not seen that before. I suggest that this Bureau audits this collection agency without notice and find out if they are violating the law. I can make a payment for the original amount but they have to delete this collection from my credit record since I did not had the chance to dispute the debt, I was thinking that this procedure was paid by my Insurance, if I knew about this bill and my insurance did not wanted to pay, I could appeal at that time their decision and have them pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint because my requests have been ignored by TransUnion. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy ''. I have requested an investigation and re-investigation and XXXX request have been ignored.

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 10-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen purchased my loan from indymac and they miscalculate the escrow account so they sent me a letter in XXXX 2015 with the new payment with all escrow shortage corrected. I talked to them and they stated that now on everything will be the same. 
Payment went from XXXX to XXXX. 
now in XXXX 2015 they send me a new later increasing my payments to {$3900.00} because now the want a " cushion '' for emergencies. I think this is a scam. I cant make that payment. 
my rate is fixed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian is reporting obsolete information in which I am asking again for the old accounts to please immediately be removed. I have contacted Experian and they have not removed the old accounts. All accounts exceed  XXXX  years in which easily verified by dates opened. The accounts are not attached to any other accounts and within removal date status. I am attaching a previous request sent to Experian requesting the following accounts which exceeds  XXXX  years of age to be deleted from my credit file. Again I am asking for the following old accounts to be removed as they are too old to be on my credit file.       XXXX   XXXX    XXXX  ... .Date opened  XXXX    XXXX    XXXX  ... .Date opened  XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX  ... .Date opened  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ...  XXXX  opened  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  ... .Date opened  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 07/15/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Debt collection (Non-federal student loan) with SIMM Associates, Inc. (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in as no reply has been sent. Thank you for your time. Attached is the last letter i sent this credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

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