milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have recently obtained a copy of my credit file and there is wrong information in my report.    XXXX   XXXX    XXXX   -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : Unverified account  XXXX   XXXX  -  XXXX  : I have never paid late this account Beside that, my personal information is reported incorrect, please fix 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 non-monetary relief
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with Focus Holding Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On a daily basis we continue to receive calls from a company named Focus Receivables at XXXX. When we answer, they either hang up or we have to wait until were transferred and request we 're taken off the list, which they say they will do but do n't. When we do n't answer, a recording goes on that says someone else 's name - it 's mushed and says something like XXXX XXXX or XXXX something, and says a case has been filed against this person for dept.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IN).
Issue: Fraud or scam

Complaint: I have a rushcard with direct deposit. I found out that they were having problems and sure enough my dd didnt come. I spoke with someone in customer service who told me he couldnt tell me when my money would be available. I began to stress to him that my electric and gas will be disconnected if I dont have my money. He responded by sayin sorry to hear that but there is nothing I can do about it. I then said so you just telling me me n my kids are going to be in the dark and he said guess its a possibility. HELP. I am callin my employers first thing but im afraid they wont change it right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with ECMC Group, Inc. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: hello, please send me a copy of the signed rehabilitation agreement. 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 04-06-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA ().
Issue: Problems caused by my funds being low

Complaint: Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Consumer Loan (Installment loan) with FIDELITY CAPITAL HOLDINGS, INC (VA).
Issue: Managing the loan or lease

Complaint: I have met and continue to meet the payment requirements however it has been placed in collections. I did initially fail to meet the payment obligation however paid the previouse month and current month XX/XX/XXXX as per a phone conversation with the point of contact. XXXX XXXX who works for XXXX XXXX I experessed to her I don want this to hit my credit she said no problem just pay the last month missed and the current month and continue to pay on time from now on so I have and XX/XX/XXXX it was placed in collection on my credit report. I continue to pay and have all receipts if needed however they report every month I make a payment. I want this pulled off my credit report since they are continueing to accept the payment terms as discuss as well as the fact I have not missed or been late since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The agencies Experian and XXXX has refused to verify and validate the accounts XXXX, XXXX XXXX, XXXX XXXX party, these are fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (PA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I have never heard of this debt I was not contacted by the collection agency nor by the company that sent the debt to collection.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my trans union and XXXX reports.

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 11-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Credit decision / Underwriting

Complaint: Turned down twice in XXXX and XXXX by Wells Fargo for extension of current HELOC - variable/prime ( now at limit ( $ XXXX, since XXXX, or new HELOC. First mortgage paid off in XXXX. I have credit score over XXXX and equity in condo of over {$160000.00} XXXX I will be XXXX next month, and am living alone. My average annual income since retirement in XXXX is XXXX {$XXXX}. WF turned me down twice, explaining ( XXXX ) they are at the mercy of government regulations concerning ratio of income to credit exposure. Income is composed of about half fixed benefits, ( pensions and SS ), and half from IRA distributions from XXXX IRA, now at a level of {$XXXX}. Reasons for loan extension request of {$XXXX} is to replace IRA distributions for 2 year period ( XXXX & XXXX ). I want to reduce taxable income for that time, and finance repairs and improvements to home in preparation for sale and likely future retirement living in a group facility.

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 07/28/2015 about Prepaid card (General purpose card) with U.S. BANCORP (CT).
Issue: Fraud or scam

Complaint: I purchased a USBank XXXX prepaid card on XXXX XXXX 2015 and received an activation slip showing {$500.00} was loaded. With the purchase fee it came to {$500.00}. 

When I tried to use it that evening, it had been frozen by USBank for fraud. This was because a transaction had been attempted PRIOR to my purchase. USbank instructed me to fax in information and wait XXXX business days. Information was faxed on XXXX/XXXX/15 and I have not heard back. 

This is a serious scam that USBank is running in that they are knowingly selling compromised cards, and they are knowingly selling cards with sequential numbers so that thiefs can guess other card values and brute force the XXXX. If they knew the card was bad, they should have prevented its sale. Furthermore, I still have not received the funds I was owed despite faxing in information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: In XXXX XXXX I was guaranteed a 80 % 7 yr ARM to purchase a property. In XXXX I found a property and had in hand a document stating that I had the 80 % loan. I signed the purchase at the end of XXXX XXXX. A 30 day escrow was entered and Wells already had almost all of my financial info at that time. On XXXX XXXX, 2015, one week prior to closing, Wells dropped the loan amount to 75 %, which I agreed to. The Escrow was extended a week since Wells needed more time to close but stated they would have the documents ready to close within days. When they still had not closed 3 days prior to the extended date, I called my XXXX at Wells who could not tell me if they could now close on time. In order to not lose the property and my deposit, I suggested to the Wells broker that I could pay for the property with cash, coming from my IRA, IF she could guarantee me they would close the deal, so all my IRA money could be paid back within 60 days. She told me they should be able to close easily within 10 days. It turned out to be 45 days, then they provided me with a loan of only LESS THAN 60 %. This caused me to be unable to pay back {$170000.00} to my IRA, leading to a income tax bill of {$76000.00}. ( please see attached documents. )

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 12/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen again.

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 09-03-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with Colony Brands, Inc. (NC).
Issue: Account opening, closing, or management

Complaint: The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I initiated this dispute with XXXX on XXXX/XXXX/15 after business hours. The very next morning, I received a notification from another credit bureau that I pay a fee to monitor my credit report that every account I disputed ( with the exception of XXXX had be updated ). I find it hard to believe Equifax was able to " verify '' the validity of those accounts in less than XXXX hours. In addition, they waited until the end of the XXXX day period to advise the information was factual and would remain. There is a clear issue of ethics and integrity with this credit reporting bureau. They are not actually verifying items, they are simple identifying them as valid. They have an obligation to verify and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have already disputed this account several time before I have never received any documentation showing the time date or place this alleged debt was open. What is the last date of activity on this account ( XXXX ). 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805. You are hereby notified to CEASE AND DESIT all further communication with me in  regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against XXXX XXXX GROUP with the Federal Trade Commission, the Attorney General of both XXXX XXXX XXXX XXXX XXXX state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hello I received a letter from Experian stating that a few collections that I disputed where deleted from my credit report and they where up until two weeks ago when an account that was previously deleted was put back on. That collection is XXXX for {$2400.00} Account # XXXX. Today I received yet another alert that a collection was added from XXXX that was previously deleted, Account # XXXX. I called in to speak with customer service and was treated horribly. I 've never had a problem with their customer service until today. She was very nasty and rude to me and argumentative towards me basically calling me a liar when I have documentation from Experian as well credit reports that shows these collections where removed. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to Experian and they will not delete this account either even though I have sent in documents stating that the account is paid in full.

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 08/15/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief