milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with BTH Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A verification of debt has not been provided by the company. I have disputed this directly with the credit bureaus as I am not aware of the debt. Additionally, the collection attempts they have been made by this company violate FDCPA they have left messages stating that I will be arrested in connection to the debt these are violations and harassment.Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements, and total outstanding balance you believe I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please cross reference CFPB Case number : XXXX. The account with XXXX XXXX XXXX loan number XXXX was completely ignored in the previous CFPB case. This account should have been removed at the same time as the other accounts in the previous complaint. Equifax provided no response at all to this trade line in their response. All of the accounts in Case number : XXXX should have been removed as they all became past due at the same time. 
( Also, Equifax did not remove XXXX account XXXX as they said in their response to the last complaint. I had to call on XXXX/XXXX/15 and have it removed after talking to a customer service rep named XXXX. Confirmation number XXXX. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles within 90 days. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. I further confirmed this in a later chat on XXXX XXXX, 2016 ( also attached ), that the miles would be awarded no later than XXXX XXXX, 2016. After XXXX XXXX passed with no miles awarded, I messaged Citibank again, which opened an investigation that appeared to do nothing. I messaged again XX/XX/XXXX, an on XXXX XXXX received a letter ( also attached ) stating that the miles would be awarded as soon as I gave my XXXX XXXX frequent flier number, which the bank had somehow lost. I called and gave the number that day and was told that the miles would be deposited within 3-4 business days. When this date also passed with no miles deposited I messaged again, which resulted in Citibank starting a new " investigation '', though I am not sure exactly why. The CSR was unable to tell me how long this one might take. 

Each month that passes without my miles being deposited results in a {$30.00} charge from Citibank for this " premium '' Citigold checking account. So far it has been over 2 months since the date I was to receive my promotional miles, or {$60.00} in additional charges that Citi has dragged from me because of their stubbornness in awarding the bonus they themselves admit I have completed the requirements for. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX, 2016. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. 

Please help me to get my awarded promotional miles. Thank you. 

Note : the password to open the protected citibank leter dated XX/XX/2016 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 monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX a settlement on XX/XX/2017 of {$500.00} the have not reported this to all 3 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 non-monetary relief
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Fraud or scam

Complaint: I 've been a client of Rush card for 5 years and now I 'm having major issues. ... .I 'm not able to axcess my money and customer service has no idea when this problem will be fixed ... I have direct deposit and I 'm taking a trip Thursday. ..with no money how am I able to go on a vacation I 've already paid for as well as my entire paycheck gone ... .I have n't been able to get a clear answer to my questions and this is not acceptable. ... many ofb th heir clients are going through yhe same thing. If I ca n't axcess my paycheck Thursday I will need f u ll compensation for my troubles asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.

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 10/23/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (NV).
Issue: Taking out the loan or lease

Complaint: As reported on Case number : XXXX, PayPal opened an unrequested and unauthorized credit line and their actions have severely impacted my credit score. When contacted, PayPal denied having opened such an account, and said they had closed all my accounts with them. However, today I received the attached statement of this unrequested and unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan throuhgh XXXX has been sold to Seterus and I was never notified. I called Seterus on XX/XX/XXXX and found out I owed XXXX to get paid up to date. I let the customer service rep know could pay it on XX/XX/XXXX, the total amount and that I would authorize the payment over the phone to be withdrawn no earlier than XX/XX/XXXX. I had deposited a check for the amount that day, however I knew it would take a couple of days to clear, so I gave her the date of XX/XX/XXXX. The rep said I 'd be all paid up through XXXX XXXX at that point. Seterus withdrew {$2000.00} on XX/XX/XXXX which of course was returned as my check had n't cleared, it went through again on XXXX and cleared, but now it cleared for XXXX. Not sure why that was the amount requested. However, on XX/XX/XXXX they withdrew XXXX. I realized this XX/XX/XXXX, as I was calling to make my XX/XX/XXXX payment. Of course, the rep had no clue and said someone would have to get back with me, after a lengthy hold of course. Two days later I called back as I wanted to make my XX/XX/XXXX payment so it would not be late, and was told they have n't figured out the problem, and I could n't make my XX/XX/XXXX payment as I still owed an additional {$4000.00} to be paid up to the date of XXXX XXXX. Again this was after a 45 minute hold. She said it was a mistake that the original customer service rep did n't give me the correct amount but could n't tell me why those amounts were taken, and on the unauthorized date. Asked me if I 've not ever made a mistake? Seriously, the rep that took my payment even had a supervisor get on the phone to authorize it. So I 'm requesting transcripts of the XXXX phone calls of made. Taking money out of someone 's account is stealing when it is n't authorized. I will be seeking legal counsel. They are the most unprofessional cast of characters I 've ever encountered. Not one person knows what they are doing. A complete travesty. I need some help as I was going through a horrible time, my mother was in XXXX, For 1 month and 1/2, thank God she pulled through, and is doing well but this is criminal., I stayed with her in the hospital, even worked from the hospital, as if I had n't she probably would n't be alive. Furthermore, upon discovery of this transfer, I made the phone call and agreed to pay them up to date! I 'm disgusted! Still have n't received their welcome letter, imagine that!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report I see that XXXX XXXX has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XX/XX/2017.

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 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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 submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get CitiMortgage to refinance an ARM mortgage which currently has a low interest rate. I have contacted CitiMortgage throughout the past few years while the interest rates were low to get out of this loan product. Due to the fact that my loan is not backed by XXXX XXXX and XXXX, they contend that they do not have any options. I have sent several letters requesting a lender option modifiction since the loan guidelines do n't meet their refinancing guidelines as I have been been told in the past. The goal is to get this mortgage in a 30 year fixed mortgage. I would like to the keep the property and have n't been late on the mortgage. If the interest rates rise higher, it may create a problem, depending on how high they go. I would rather be in a fixed 30 year mortgage which would be beneficial to both me and the lender for the long run. With your help, I am seeking relief in the form of consideration of a lender option modification which I am aware can be done since there are n't any guidelines to prevent CitiMortgage from doing so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Federal Law gives me the right to notify XXXX.of errors regarding the servicing of my loans which resulted in the foreclosure of my property. The " ASSIGNMENT OF THE DEED OF TRUST '' a total of XXXX with number XXXX recorded in the XXXX XXXX County Recorders Office XXXX XXXX on these dates : XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX and XX/XX/XXXX Doc # XX/XX/XXXX-XXXX. These Assignments are " VOID '' as determined by the XXXX Supreme Court case XXXX. I am requesting thatXXXX XXXX provide me with their accounting of this loan and copies of the Assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, I was XXXX and put on XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XX/XX/XXXX This case has been satisfied and completed. XX/XX/XXXX is 7 years this information came back as current as of XX/XX/XXXX. This charge & offense should have come off my background, AFTER 7YRS This has caused me employment client name : XXXX XXXX  XXXX client account number : XXXX THANK YOU IN ADVANCE FOR YOUR TIME XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: I approached my bank whom I have a business bank account with on XXXX XXXX, 2017 in order to get a line of line of credit, which I will be personally guarantor of. I approach my banker with confidence, because, prior to reaching out to my banker, I went to Equifax and downloaded my credit report and credit score. My credit score is reported at XXXX with Equifax, XXXX with XXXX, and XXXX with XXXX. Anyhow, in speaking with my banker, I received the unfortunate news that I was denied my request due to extremely low credit score of XXXX. The banker stated that they pulled my credit report from Equifax. Immediately, I argued my case with the banker because as I explained to him that I pulled my credit report along with my credit score from Equifax prior to me contacting him inquiring about a line of credit. Unfortunately, it was nothing that he could do. Immediately, I went to Equifax.com to get my credit score. To my surprise, my credit score was again XXXX. That is a 65 point difference. I had my bank forward me the credit report, and my credit report was identical to what I pulled from Equifax HOWEVER I saw the discrepancy with my credit score. I reached out to Equifax, and a representative told me that there is nothing that they can do. Days later, I went to XXXX to see if I can get approved for a unsecured credit card. Again, the problem persisted. Not failing to mention, my XXXX credit score was now XXXX. According to the decline letter, they also sourced Equifax for my credit report and credit score. I need this rectified or I plan to sue Equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had made arrangements with a capitol one cc that I owed. I have made my payments@XXXX/mo that was XXXX more than agreed. Capital one apparently went against their word and had a judgement put against me in which I was never notified in any way. I just found this out on line and it was done in XXXX CT court. I was not notified and given my rights to defend myself. Now due to only collecting social security I am Far below the poverty limit. I feel this case should be reopened to where I am entitled to my federal and state law rights.I did put a dispute in with XXXX but they like always they are known to favor the company that is a hard known fact.

Company response to consumer: Closed with explanation