milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 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: Their investigation did not fix an error on your report

Complaint: Experian is reporting the outdated account  XXXX   XXXX , account number  XXXX . This account was opened in   X/2005 .This  account is almost 10 years of age which exceeds the time-frame to be considered as old or outdated. This account is not attached to any account and other credit bureaus deleted the outdated account however Experian has refused to acknowledge and honor that the account is outdated and has failed to remove the old  XXXX   XXXX  account. I am asking for you to please delete the account and if you verify, I am asking for verification as to how it was disputed and the name of the party who verified. I do not understand how verification is considered for an old account that is too old to be on the credit file but please provide the information so that  I may o btain legal assistance to have the old creditor removed and I can demonstrate that I have went through proper protocol for the deletion of the old debt.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. 

Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account

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 07/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MO).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Payoff process

Complaint: I made a purchase on a credit card which had a 0 % promotional balance on it. I called the credit card company ( Chase ) prior to making the purchase because I wanted to make sure I could pay off the purchase even though I had the 0 % balance remaining. The woman informed me that any payment I made over the minimum due would be applied to the higher interest balance - so I went ahead and made the purchase of {$89.00} knowing that I always pay well over the minimum due and the added purchase amount combined. Then I get my next 2 months statements and I have been charged interest in both billing cycles even though I paid 7X the minimum due and 2 X the minimum due plus the purchase amount. And now I am being told I have to pay off the entire 0 % balance before anything will come off the purchase balance. The amount of interest involved here is not the point - it is a matter of principle. I have attached documentation of my conversations with Chase, as well as my statements depicting the charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account is inaccurately reported on my Equifax credit report, I 've tried to contact XXXX XXXX and they wo n't give me a direct access to the account and they wo n't tell me why nor I 'm able to get any info from them. 
so I contacted Equifax about it multiple times in writing explaining that this account is inaccurate and I wish to remove it or they can provide accurate signed or pairing my own signature as proof of my ownership to the account yet they failed to communicate with me, provide documentation to support the info reported or remove the item. 
I 'm very embarrassed, humiliated, mentally effected and financially hurt by this inaccurate reporting, so I 'm asking you please as a consumer protection institution to help me and protect my rights. 
the creditor : XXXX XXXX Bank XXXX reference account # : XXXXXXXXXXXX account ending : XXXX amount reported : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: To whom it may concern. I have been reported by my credit company as 90-day late. With XXXX XXXX Account # XXXX XXXX XXXX XXXX I noticed on all 3 of my credit reports that this account has reported missed payments from XX/XX/XXXX to XX/XX/XXXX and closed as of XX/XX/XXXX. To my  knowledge my account was open and have been making payments. I was never notified in any form of my account being closed as I always go to the bank to personally and make payments. 

I have disputed this inaccuracy with the credit bureaus just to find out that XXXX XXXX is reporting everything incorrectly on credit reports. When I spoke with customer service I was notified that my account is on a " PERMANENT RESTRAINT '' and that only Collection department can remove it.

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 04-06-2017 about Debt collection (I do not know) with Oakridge Direct Solutions Inc. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My son received a call from someone claiming to be an attorney. Saying there was an outstanding debt owed and a lawsuit and they were going to levy bank account. So he returned call. They said there was a bank debt and repeated same thing they said in  Voice m ail. Then the only information they gave him was birthdate. It was my birthdate not his he told them not his. He is The  XXXX  and  XXXX  they were looking for me I 'm  XXXX   XXXX . They just hung up on him. He told me about what they said. Problem is all my credit accounts are paid and closed. Except fo r my 2  cars which are current. So I googled number found a few people said scammers so I decided to call their number because I knew of no debt no lawsuit and figured is a scam because why did n't they call me creditor would have phone number and ca n't have lawsuit without being served. Plus I 've been in contact via mail with all my creditors last year ev ery one some 2 and three  times to close accounts. So I called and wow they picked up o n two  rings. Did n't identify themselves or company. I asked who is this then they said who is this you called. I said I want to know whose number this is and then gentleman hung up. I 'm pretty sure it 's a scam but figured after calling and refusing to identify who they were definitely a scam so I wanted to file Complaint I figured CFPB could pull phone number and find if was a legitimate business. Their number was  XXXX . There are to many scammers and if this is like I think a scam I might be helping others.

Company response to consumer: Untimely response
Consumer complaint received 09/17/2016 about Debt collection (Credit card) with Capital Management Services, LP (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Thiis debt collection agency called " capital management services '' .. has been calling me about 3-4 times a day for the past several weeks. I did talk talk to them. i explained that I had had Credit card fraud in late 2013, filed a police report, etc. The lady starts screaming at me.. " YOU OWE US THIS MONEY!! " XXXX as if it is her, that I owe money to. she is completely ballistic so, I have to ask for the supervisor. I camly explain to the supervisor what happend.. credit card/ illegal credit activity.. and ask for him to send me what it is that i charged. he was ok with this. i also faxed them a dispute, which I have proof it went thru. the very next day I am getting harrassed again by this company. a woman says " WE HAVE NOT RECEIVED A FAX FROM YOU AND THERE IS NO RECORD HERE THAT you called yesterday XXXX i am a XXXX XXXX year old woman.. I dont need someone to get my XXXX XXXX up and have a XXXX over incompetant employees in a company. 
whatever i say, They refuse. and misinterpret. " OH!! SO DOES THAT MEAN YOURE NOT GOING TO PAY us?? " ... every single day this week they have called. once, at XXXX. i am glad that they record the calls. I have always had good credit, am college educated, and the last call, the woman was creaming and screaming at me for so long..off on a tangent. I had to put my foot down and say. we are going nowhere with this conversation, and hang up on here.. while she was screaming at the top of her lunggs all this vicious hate towards me. whats sad is that the origibal creditor, XXXX.. had told me they would wait til I paid off my XXXX card. but no, they sent it to one collection agency who just sent me a letter, and then this crazy, awful, unheard of.. agency that has inept psychotic people working for them. grr .. help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Other fee

Complaint: An annual fee was posted to my Delta American Express card that I had stopped using ( so I was n't expecting new charges ). I received an email about the annual fee XX/XX/2017 and called the card company to waive the fee and close the card. I was informed that the fee was posted XX/XX/2017 and that since 31 days had elapsed no one could waive the fee since the policy was recently changed to 30 days for fee waiver. 
Now, this is unfair for two reasons. 1 ) This was not the policy when I signed up. When I signed up, you could close the card at any time and be refunded a pro-rated amount of the fee. 2 ) Fees are posted in XX/XX/XXXX -- - a 31-day month. 
The system is set-up for failure and to hurt the consumer. I called at the exactly 1-month interval. I have spoken to all levels of customer service, account management, and member retention. 

Please help me resolve this issue. I have been a customer with American Express for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I went to XXXX Hospital XXXX XXXX, XXXX, Arizona. Services were rendered, I paid the {$100.00} copay, the hospital sent XXXX XXXX the electronic file for the claim. I received from XXXX XXXX an Explanation of Benefits via USPS, stating the Claim # referenced as XXXX Amount billed was {$370.00}, and what I owe was a {$0.00} balance. In XXXX XXXX when I pulled my credit I find XXXX Hospital never followed through for payment from XXXX and sent my bill to collections. Which impaired my credit by falsly sending me to a credit collection agency, Which I paid XXXX/XXXX/XXXX. Since then XXXX Hospital resent the electronic filing back and now XXXX is denying paying the claim they never paid. In which I have documentation they were paying under my insurance plan. Now XXXX Hospital has basically dumped this on me stating it is my issue to resolve. If they had processed and followed up with the insurance company and had done their job, there would not be this complaint. I am getting the run around with XXXX XXXX to pay the claim as well.

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 07/13/2016 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX  gave me  XXXX , and then failed to give me  XXXX  or equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely 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 02-06-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft

Company response to consumer: Closed with explanation