milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with BANCO POPULAR DE PUERTO RICO (PA).
Issue: Confusing or missing disclosures

Complaint: During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. 

Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. 

Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : 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 02-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with BROKER SOLUTIONS, INC. (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Unsolicited issuance of credit card

Complaint: I have reason to believe Chase engaged in the same type of fraudulent practices as XXXX XXXX. I was a Chase credit card customer. Chase sent me publicity asking me to " upgrade '' my credit card to a Slate credit card in XX/XX/XXXX or XX/XX/XXXX. I ignored the publicity because I preferred the terms of the card I already had with them. Out of the blue, I received a Slate credit card in the mail. Initially, I thought the card looked suspicious and not like a real card. I never activated it, because I had not ordered it, and I did not want to switch from the card I already had. Then I was notified of XXXX transactions on the new card, made in XXXX ( while I lived and was in XXXX ). These transactions were made about two weeks after the card was issued. I called Chase to report the fraudulent purchases and to report that I had not ordered the card. I asked why the transactions had gone through if I had not activated the card. I told them I did not want to use it and either cancelled it, or switched the account to a different card I preferred. The customer service person refunded me the fraudulent charges, but Chase never explained to me why my credit card had been switched to a different card I had never asked for. Also, the customer service person said a card had been swiped at the store in XXXX, although it appeared I had received the card in an original Chase envelope with the standard new card letter. This, and the fact that the purchases happened so soon after the card was issued, and because Chase headquarters are in XXXX, made me suspect insider fraud. I thought the employee who had the card issued to me without my authorization may have made a duplicate of it ( or the one I received was a duplicate ), and he or she used the other card in XXXX. I did not follow up on my complaint about the card being issued without my approval earlier because I had been refunded for the fraudulent purchases and I quickly changed the card to one I preferred, but hearing about what happened at XXXX XXXX, I thought it was my duty to report this to the Federal government to assist in any investigation of Chase Bank that may be undertaken, in case this was not just a single occurrence but a systematic practice. Thank you for considering my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian refuses to investigate or correct reporting on my report for dell financial. they will not allow me to dispute it when I try and it is showing a balance when it should notit was discharged in a ch XXXX bankruptcythey also have XXXX other accounts showing a balance that I could dispute that were also included in the ch XXXX they have not replied with answers to these alsothey are XXXXI have attached the credit XXXX showing they were listed and the copy of dicharge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from Convergent stating that I owe XXXX XXXX of XXXX {$160.00}. I was shocked because I currently am a XXXX customer and my account is current. I have been a XXXX customer since XX/XX/2001 Everytime I moved I just transfered my service. My account is up todate and if it was n't they would not provide me any services. I need their services because I take classes online, and have been doing so for 3 yrs. now. XXXX has confirmed that this is an error because I do n't owe them anything and if I did, they knew where to reach me to bill me. I never received any invoices or bills from XXXX stating I have an outstanding balance. My main concern is that this is in my credit report for even more money than what is shown on this notice. The credit report states I owe {$220.00}. Another concern is that my name is mispelled, which is why I truly believe it is a huge error that someone is trying to make may pay for someone else 's debt. Please advise how I can resolve this issue. 

Thank XXXX XXXX XXXX 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 03/25/2015 about Debt collection (Medical) with Advanced Recovery Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I deposited a check to my Wells Fargo checking account for {$8900.00} on XXXX XXXX, 2016. The check was written by my sister on her XXXX checking account. The check was processed and the funds were withdrawn from the XXXX account on XXXX XXXX 2016. I have a copy of the processed check. Wells Fargo sent me a message to my online account the the funds were being held until XXXX XXXX, 2016 due to a bad signature. I was told by a customer service rep over the phone and also by my branch manager ( in person ) that the funds were being held because there were not enough funds in the XXXX account account. XXXX different phone service reps told me that the branch has the discretion to release the funds and the branch manager told me that there was nothing that she could do since the system put a hold on the check. I would like to know if I have any options to get my funds released and if this is a legal practice.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has mishandled my funds. They have entered over 300 entries to my account instead of just 12. The resulting errors which are obvious by the amortization schedule. As a result, XXXX has falsely reported information to the various credit agencies. It does not reflect my exceptional payment record, reports delinquent amounts and overstates my balance. XXXX refuses to accept the amortization schedule and yet will not provide me anything, other than 30 pages of false entries made to my account. They have manipulated a simple entry.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: car dealer cancelled sale car was broke XXXX put it as repossession false info the car was broke and unfixable by XXXX contact info XXXX XXXX XXXX or XXXX XXXX XXXX can contact dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had unauthorized charges on my account at Chase bank. I called claims dept and filed a claim. First they credited my account for the amount of the charges then investigated the charges and reversed the charges without providing a reason why. When i called to understand why i wasnt granted the amount that was taken from my account without consent or even my knowledge they said it was outside of the 60day window for filing claims. The first charge happened on  X/XX/17    for {$33.00}, the second charge took place on  X/XX/17    and i filed a claim on  X/XX/17   . I am not understanding how this is out of the 60day allowance time to file a claim. I am going to contact the companies who made the charges get proof that i did not conduct these transactions then file a lawsuit against chase. In the policies it states that a customer will be refunded for any charges they did not authorize and i am 100 % sure i did not authorize these charges and i can provide proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Other fee

Complaint: American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 09/25/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have mailed, faxed, and called both XXXX and Diversified Consultants multiple times regarding an account from XX/XX/XXXX and a collections reported in 2015 : 1. There was a FEMA disaster here in Colorado and this phone was lost in floods of XX/XX/XXXX. I have attached a letter from FEMA certifying this. 
2. I tried several failed times to pay XXXX through their Web site including the attached printouts and notes dated XX/XX/XXXX indicating my attempt to pay. After calls to Customer Care they indicated I should pay at an office. 
3. I did pay {$200.00} at XXXX/XXXX store on XX/XX/XXXX to pay off the balance due and I have attached my business XXXX credit card statement showing that payment. I never heard anything again for 6 months and had every reason to believe my account was paid and everything was fine. 
4. In early XX/XX/XXXX, I received a collection bill from Diversified Consultants. I called and spoke with a XXXX at Diversified Consultants XX/XX/XXXX. Even though he understood I had already paid and had proof of payment, he said that if I paid him directly AGAIN, the collection would be fully REMOVED and DELETED and NOT listed as in collections. I foolishly believed him and made a second payment to get my credit report cleared. I have the bill and my hand-written notes and the confirmation # XXXX as well as another XXXX credit card statement showing that {$230.00} payment made. 
5. On XX/XX/XXXX, I sent the previous attached letter requesting this correction. I followed through with a phone call on XX/XX/XXXX after speaking to supervisor XXXX ID # XXXX who said if I faxed proof of the original payment was made before it went to collections in XX/XX/XXXX to XXXX she would get this corrected. 
6. On XX/XX/XXXX, I sent another letter to both XXXX and Diverisified detailing above and requesting a response. No response ever received for any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with Apelles, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: My family has been harassed by Appelles debt collection disclosing personal information to family and friends both through message and phone conversation. I have copies of messages left by these harasser 's threatening to sue me on my family member 's voice mail. They also disclose an amount and what it's regarding. They are attempting to tarnish my reputation among my family and friends. I will like your help in stopping this activity. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Debt collection remain on credit report after the 50 day dispute process violation of FDCPA disclosure of verification delete all collection from all XXXX collection reporting agency

Company response to consumer: Closed with explanation