milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a single mom. The birth father of my XXXX son XXXX is deceased. I contacted Experion after they failed to remove my Chapter XXXX Bankruptcy as required by law, according to what was reported to me by both XXXX and XXXX. Both XXXX and XXXX removed the Chapter XXXX in XXXX XXXX. Both XXXX and XXXX explained to me that they had no choice but to remove the Chapter XXXX, that it was required of them by law. 
Experion has informed me that they want to hang onto the Chapter XXXX until XXXX XXXX. 
This causes confusion and financial hardship. The bankruptcy was the idea of my then husband, XXXX XXXX, who is not my XXXX son 's birth father and who became tired of being the step-father of an XXXX young man and rebelled by committing what seemed like financial suicide. He got his car free because I paid for it and he stood to get a free house because his parents were near death and he would get their house, so he did not care anymore about our finances. I actually ended up paying many of the debts because I did not agree that we should file Chapter XXXX but I could not talk him out of it. I paid in full for both my XXXX and his XXXX. I got power attorney and paid the home loan that was in his name and assumed it and it is now in my name, XXXX XXXX number XXXX. I have never been late on any of my debts since my divorce from XXXX XXXX. Having this Chapter XXXX stay a year longer on Experion on serves to make it harder for me to get a loan to pay for my XXXX son 's XXXX. ( My XXXX son suffered XXXX caused by XXXX he was given for XXXX when we had to go to court to fight to keep our home and car and were allowed to, but XXXX was very difficult for XXXX to endure ). XXXX may have to suffer from XXXX a year longer because Experion is hanging onto the Chapter XXXX a year longer than the other credit bureaus. I hope that Experion will use the same guidelines that XXXX and XXXX are using regarding this Chapter 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 08/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PRS collection agency purchased my debt from XXXX. My debt with XXXX was resolved with a settlement years ago between XX/XX/XXXX and XX/XX/XXXX. PRS purchased my debt from XXXX XX/XX/XXXX which they are calling me on my cell phone and my relatives regarding a debt I do not owe. Not to mention the statue of limitations on this debt has expired. So they are illegally collecting on debt that is unrecoverable. I have called them, and I filed a complaint with XXXX and they still contact me and my relatives. Before I take legal action I would like to make one final attempt by contacting your office. If you can recommend an attorney I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid a {$49.00} annual fee for the privilege of a  Santander Bank credit card. Within a month of paying the fee the compa ny locked my credit card account in the interest of " fraud safety '' and would not lift the hold on my account. I called multiple times to verify the charges but the representatives on the phone insisted that I come in PHYSICALLY to a local branch to resolve the issue. A s Santander is  well aware they only operate branches in the  XXXX   XXXX  of the country. I live in  XXXX , applied for the card in  XXXX , used the card only in  XXXX , and continue to live in  XXXX . It is outrageous and unacceptable for the bank to expect me to fly out of state to resolve this issue. I barely got any use out of this card and  Santander has forced me to close my card. I paid the annual fee to use the card for a year, yet Santander did n ot even give me 1 month of use before locking my account. I still do not understand why they did this. Now, they refuse to refund the annual fee because they say that I already paid it. This excuse makes no sense whatsoever. I paid for services and did not receive them. If the bank does not refund my annual fee this is tantamount to theft. This is outrageous and despicable behavior that should not be tolerated.

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 09-07-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On or about XXXX XXXX, 2017. I contacted Midland Credit Management , Inc. ( MCM ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Fraudulent Activities in my credit report and some are reports XXXX in my personal accounts. Please remove all these negatives accounts. My Identity has been lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I was at TD Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down. 

Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ). 

When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This credit bureau has reported me from everything as dead to having an incorrect social security number.I have had the same ss # for XXXX years, I assure you I am quite alive. I receive my social security check every month. The other XXXX bureaus no I am alive.I have sent copies of my drivers license, social security card, security officer license and a XXXX from last years income tax report.They responded with an incorrect report with wrong name, wrong credit report and wrong ss # .I hope to reach someone with a brain to straighten this out.My name for XXXX years has been XXXX not XXXX and my ss # has ALWAYS ended in XXXX not XXXX.my email is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was 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 manner as soon as possible. Thank you.

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 01-02-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WI).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017, {$330.00} was pending to be withdrawn from my checking account by Moneygram. When I called Moneygram, they said there was nothing they can do then hung up on me. I called my bank and they stopped the payment. Now Moneygram sent it to collection. How is this legal? I never sent that money. 
I assume someone hacked there system and they want me to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: List of dates : XXXX and XXXX/XXXX/XXXX. There were credit inquires on my credits reports that i do not recognize.

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 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian refuses to provide free annual credit report online, by phone or by mail. Violates FCRA. When I request my free annual credit report online I supply all of the correct information to Experian and answer all security validation correctly. Experian continuously refuses to provided my report, even though XXXX and XXXX have no issues. Experian also refuses to provide my report when I have attempted to obtain it in the past my mailing in the free annual credit request form or calling XXXX number. They are fraudulently trying to drive traffic to their $ XXXX/month paid service.

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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed. 
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened. 
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt. 
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (UT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.

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 06/15/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 I called capital one credit card regarding a purchase from XXXX furniture store in XXXX XXXX Texas, I tried to work out the dispute with merchant on faulty item I was sold but the merchant refused to work with me. I file a disputed with capital one regarding this item, being faulty them the merchant agreed in text messages to take back the item I returned the item and the merchant refused to give me a refund. I advised capital one what happened I was told to get a police report and I did. The merchant told me the item is Arkansas. Now capital one wants to continue charging me {$1000.00}. I still have n't received any mail regarding the case.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Credit card protection / Debt protection

Complaint: Synchrony issued a Walmart credit card in my name without my knowledge or permission. I received the card on XXXX/XXXX/15 and a bill for purchases on XXXX/XXXX/15 which I did not make. 

I spoke to their fraud investigation department and they did not even require a photo ID or signature to issue the card which was done at a Walmart store and a large purchase was made at te same time. Thats really XXXX security over credit card issuance. 

Further, after I supplied them with every bit of personal info they requested about me they refused to provide me with any info about the purchase or what info was in my bogus file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX, we have been getting mail from different debt collection companies who say that we owe money for a XXXX account that we did not open. The account was first under my wife 's name and we did pay the full amount once out of confusion, then later realized we did n't use that account with XXXX. Later, after contacting the most recent debt collection company, XXXX XXXX XXXX XX/XX/XXXX to dispute another debt collection mail received, they told us to just pay half the amount and then the problem would be solved. As ofXX/XX/XXXX, XXXX XXXX XXXX said the account has been resolved. Yet after we did that, I have received another mail in XX/XX/XXXX stating a debt of {$80.00} from Credence Resource Management , LLC. This time, the account is under my name and not my wife 's, but we did not open this account.XX/XX/XXXX I called XXXX and they also confirmed that they do not work with this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have a open debt with XXXX with the account number of # XXXX that was open XX/XX/2016. Its a debt of XXXX $ that was open until XX/XX/2016. I am a victim of identity theft. somebody as been using my social security number in opening numerous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection Bureau.

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