milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TN).
Issue: Money was not available when promised

Complaint: On XXXX I purchased a bunch of XXXX gift cards from Paypal XXXX XXXX. Paypal XXXX XXXX was listed as the seller on eBay and they were the company that fulfills the order via email. Last week I attempted to use these gift cards and they say they 've already been used. I first tried to contact ebay but 30 days has passed so their guarantee is up. Then I tried to contact Paypal digital gifts but they referred me to sears who referred me back to Paypal who referred me to XXXX who referred me back to Paypal. My frustration increased when Paypal flat out refuses to send me new gift cards. I have the order numbers and all of the information. Their stance is its on XXXX to make this right. This is ridiculous! THEY are the ones I bought these from and its Paypal XXXX XXXX who is responsible for making this right, not the consumer. Please protect me, the consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a collection record on my credit report with Experian. This collection is regarding a medical bill. The reason that this bill is not paid on time is that I was never informed that I have this unpaid bill by either the hospital or collection company. 

First, I have never been contacted by hospital for this bill, and I thought it is paid by my insurance company. Second, after the bill was transferred to the collection company, XXXX XXXX, this collection company never contacted me regarding this bill as well. In fact, I never know this unpaid bill was existing until the landlord told me I had a collection in credit report when I applied the apartment in 2014. 

It is the hospital and collection company 's fault for not contacting me, while not my fault to refuse to pay it. My insurance company can cover the bill directly, so that I do not have motivation to default on it. Both XXXX and Experian have removed this wrong information after I dispute with them. 

Experian is the only agency that refused to remove it after I disputed with them twice. I strongly believe that Experian does not do their investigation and due diligence well, and allows this wrong information to continue shows on my credit record to indicate I had a bad record to pay the bill, which is clearly not the truth according to the facts I listed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Ca n't obtain my credit report or score from Equifax online

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with US MORTGAGE CORPORATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted a real estate agent at XXXX XXXX XXXX in XXXX, OK about a HUD property. XXXX weeks after signing contracts the agent ( XXXX XXXX ) " quit '', said I was reassigned to another agent ( XXXX XXXX ) and they referred me to US Mortgage. I had a preapproval from another lender who required utilities on during inspection so we could n't move forward. Other concerns followed but concern now I escrowed monies to pay for plumbing as part of the FHA loan. This was financed in my FHA loan ( XXXX XXXX, 2015 ). Almost XXXX months after loan closed the plumber called me to report he had not received his payment. I contacted XXXX by phone and email to find out why this amount was not paid and for documentation where all monies I escrowed in were applied. She said she would follow up, contact me next day but she has not called me, nor the plumber back. This was typical ( not calling back - ever ) throughout the loan process. I 'd call agent at XXXX XXXX with question, agent would say for me to call the XXXX at the mortgage company. I just waited until I closed not to lose the property or my earnest money. This time however the plumber is calling me about payment I paid at closing. I would like to know who else to contact so I can file a complaint. I 'm not sure if US Mortgage is local ( XXXX ) I never went there nor could find an address online or correspondence. Faxed and Email everything. No one showed up at closing - the agent nor mortgage company. XXXX 's name then reappeared on the closing documents ( XXXX months later ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

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 07/26/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with XXXX XXXX. I am not responsible for the collection for the debt with Comenity Bank. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke to XXXX of green tree representatives on XXXX XXXX XXXX, 2014 about the annual escrow acct disclosure statement in reference to the PMI on my loan I recieved. According to my original documents with XXXX my PMI should be {$120.00}. However the loan was sold to Green tree. About XXXX months ago I noticed that Green tree is deducting out my escrow acct {$220.00} which i never agree to pay to Green tree, I have the supporting documents of what i signed in referance to this loan and the terms of the PMI. I would like this to be taken care of as soon as possible, as it stresses me out to think that Green tree is XXXX me off. I have asked and i expect a refund for all this time that i have been paying the wrong amount. I called Green tree a handful of times about this issue i have also fax them a letter showing my supporting documents and dont believe that now after more than 60 days of calling, and writing to them and this has still not been taken care of. It is Now XXXX XXXX which is more than enough time since this was brought their attention! This is XXXX more attemp to try and get a honest and fair response. I dont believe green tree is handleing this in a professional manner and I am very disappointed at not getting any responce at all about this matter. In all honesty it is looking to me that green tree has made a mistake here and is not ready to fix it and compensate me because if its was something i did owe on PMI they would have brought proof to me quickly. I would appriciate any kind of attempt to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: I applied the wiretransfer by XXXX from US to another proper account in XXXX, but the destination bank refuse to accept the transfer because I did just state my first name ony but not first and second name. 
I was trying to call the wiretransfer of the bank and also the branch I have the account but just long time waiting. I had tried so many times but just waiting on the commuter. 
Now I am traveling in another country so I can not go to the branch personally. 
The amount is already debt in my origin acc but I cant receive it by the destination bank. 
I need to amend the beneficiarys name or ask to refund the amount to my acc. asap.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Auto) with CITIZENS FINANCIAL GROUP, INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted RBS Citizens on several occasions regarding my title. I am being told that my automobile is listed in repossessions. RBS citizens repossessed my vehicle over a year ago and payment was current. They refused to bring my vehicle back and I had to go pick it up due to their error. I contacted their corporate office today and was informed my vehicle was shown as paid off. When I asked about the title I was transferred again to repossessions. This even shows as a closed account on my credit report. I have found unexceptional mistakes that RBS citizens has made with consumer accounts. They expect consumers to just take it. The last payment was made in XX/XX/2016. I have not received a statement since and have been awaiting my title. Corporate shows it as paid off and my credit report shows this account as closed. RBS Citizens have been trying to avoid me and their mistakes are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Closing on a mortgage

Complaint: On or about  XXXX / XXXX /  XXXX    XXXX   XXXX  was instructed to lock a mortgage rate of  3.375 with 0 Discount points and one percent  origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up.     Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional  XXXX  dollars to close the loan in violation of the language in it 's own documentation.     I vehemently protested  XXXX   XXXX  's locking of the rates without clear instructions to  XXXX  and  XXXX  but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor.     I specifically told Navy Federal Credit Union I would not pay for  XXXX  's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to  bully  me to accept their higher terms. Furthermore, the  Credit Union  refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about  XXXX   XXXX    XXXX   when they had already published the letter.     Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: On Thursday, XXXX XXXX, 2016, for unexplained and unnecessary reasons, an employee, XXXX, placed my online banking access on hold. I had just visited the branch on Saturday, XXXX XXXX, presented my ID, received a new debit card, made a cash deposit, and received starter checks. 
When I called into online banking on XXXX XXXX, I was told to go to a branch to prove my identity yet again, and I would regain my access. When I got there, the representatives were unsure why I did n't have access, but I was told I would receive a call later confirming my access was restored - I did not. I called into online banking again on XXXX XXXX, asked for manager and again was told I would receive a call back and did not. I went back to the branch XXXX XXXX and again the representatives were unsure why I did n't have access, again I was told I would receive a call later confirming my access was restored - and again I did not. When I called into online banking later that day, I was told, snottily, to be patient. It is now been an entire week since the access was revoked ( to a VIRTUAL account ), without reason, and apparently the only person in the entire bank who knows how to get the hold removed is XXXX, and no one is interested in helping to resolve the situation. I just opened this account three weeks, already hugely regretting it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (I do not know) with Weinman Acquisition Group (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a voicemail from a woman claiming to be a " legal courier for the county. '' She claimed to have attempted to serve me legal documents at my residence and place of employment, which has not happened. She also claimed that she must surrender the documents as a refusal to sign and that I missed my court appearance, and I was to contact the filing party at the same phone number she called me from, which leads me to believe she is not who she claims to be.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed an inaccurate bankruptcy with Experian several times and they are not investigating the account. I wrote a letter to the court they have listed as the furnisher of information on my credit report. Several factors are wrong with the bankruptcy. Experian did not list an address or phone number for the court they claim is " verifying '' this inaccurate bankruptcy. It made it almost impossible to write a letter directly to the court, as Experian did not give me any contact info. I was able to find the court by doing extensive research online, the court responded to my dispute stating that Experian did not contact them in reference to my dispute. This is a violation of the FCRA, as they only 5 business days to send my dispute to the furinisher of information. Experian is liable to a {$1000.00} fine for lying about contacting the furnisher of information.

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 01/16/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems when you are unable to pay

Complaint: I was in the hospital for 5 months. I surrendered the vehicle to Chase for inspection per bank instruction for inspection. I was told after the vehicle was inspected that I would have an opportunity to bring the account current. Once the account was brought current I could take possession of the vehicle. I was prepared to bring the account # XXXX the day I surrendered the vehicle a XXXX. Chase never gave me an opportunity to bring the account current as agreed. Chase plans on auctioning the XXXX without notifying me or giving me an option to purchase the vehicle at a fire sale price reserved for their cronies. This practice is an act of bad faith and should be deemed illegal. Chase 's number XXXX. all state towing who confirmed the arrangement XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Furnished unverfied reports to credit profile.

Company response to consumer: Closed with explanation