milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Checking or savings account (Savings account) with DISCOVER BANK (MN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On X/XX/2017 I received a notice that my loans were due since I was now out of school. These two loans were loans from previous institutions and had already been consolidated. When I returned to school they entered deferment until I graduated in XXXX of 2017. I called and spoke to them regarding my account and I was given the option to do an alignment forbearance to bring my previous loans and the loans I acquired while finishing school into alignment so that I could consolidate them all, they would all be due in XX/XX/XXXX. I called to follow up on my request on X/XX/17 after I had n't received confirmation of my alignment forbearance being processed. The gentleman advised that it looked like it was still being processed and to be patient. He advised me that they do not report late payments until 90 days and I should be receiving a confirmation shortly. I received another notice today that I am past due so I called them to discuss my account. It is now X/XX/17, the girl I spoke to advised that I was not eligible for an alignment forbearance and that I would need to make the past due payment immediately. I explained the situation and she put me on hold to review my account. She did see the prior conversations and that I was given incorrect information. Her only response was that she would file a complaint on my behalf for her superiors to review and said she would forward paperwork to re-certify my loans to lower my payments and that she would request a situational deferment to clear my past due balance until XX/XX/XXXX when my next payment would be due. I advised that I was not satisfied with this result and that I am very unhappy that I was given incorrect information twice and that I would have handled this differently and made arrangements to do the re-certification or make a payment back in XX/XX/XXXX and not let my past due balance get to this point. Also, not one time in any of the conversations was I advised to continue making payments until my request was processed. I was told that once the alignment forbearance was processed it would be retroactive, and now come to find out that I was never eligible for the option they suggested. The service company is FedLoan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We were sent items for an XXXX machine that were incorrect and do not fit the machine. We purchased the XXXX from XXXX and when I called to order a replacement hose, nose pillows, filters and face mask I made sure they were aware of the new machine ( which they sold to us ) and requested only those items. When I received the package from XXXX it not only contained all items for the old machine but also items I did not order. I immediately called and explained the problem and was told the correct items would be sent along with a return postage box for the incorrect items. Later that day I received a telephone message stating it would not be cost effective for XXXX to send the paid postage for the items to be returned. In the meantime they billed by insurance company for all of the wrong items as well as the items we did not order and received {$230.00} from them and while they did send the correct filters and pillows we never received the correct hose. The machine we have now requires a non-heated hose and the one they sent and are billing us for is heated and will not work with our machine. I have explained this repeatedly and also asked that they reimburse our insurance company the amount fraudulently billed and to either send a postage paid box for the items that do not work and credit us for those, Instead it has been in collection for months with harassing calls and letters to us. Our time, costs and emotional and physical torment is adding up and we need this to be handled correctly and we need to be paid for our time, expense and torment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # 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 01/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is about the Attorney XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I XXXX XXXX XXXX previous account # XXXX was told by Wells Fargo Mortgage that the Foreclosure was suspended. I am on a pre-modification at this time. I have made my first payment XXXX XXXX 2016. and will be making my second payment Febuary XXXX 2016, I have received a XXXX Court Letter from Wells fargo attorney Stating They were not informed of any Suspension court date is XXXX XXXX 2016.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 05/13/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (UT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX, XXXX, at approximately XXXX hours, I received a phone call from telephone number XXXX which is a contact number tied to Portfolio Recovery XXXX. When I answered the call, the collector failed to identify herself, failed to identify where she was calling from, and failed to provide the XXXX Miranda Warning or a XXXX Miranda warning which is a violation XXXX.. The collector was attempting to find my deceased mother who passed away in XXXX. She then demanded a death certificate and when I refused, she proceeded to hang up on me. The same company has been contacting my grandmother and my father ( divorced two years prior to death ) for the past three years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First started receiving fake medical bills, and now threats of reporting to credit bureaus

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in an XXXX in XXXX Hospital in XXXX for a XXXX. After Dr. checked it out He just told me that I should not worry with getting rest should go away. When I went to accounting I was told that I could either pay {$370.00} or provide insurance, since I was unemployed at the time I was covered by Obama care and filled out the forms and filed with them. I got a call last summer from Medical Revenue Service in regards to my bill. I had explained to them the issue and had not been heard until XX/XX/XXXX that received debt verification notice. I gave the notice to my attorney XXXX XXXX and He sent a letter denying the debt and requested some documentation related to my case. I had not heard from the agency again until XX/XX/XXXX, the lady named XXXX called me and informed me that could not get in touch with my attorney He would not return calls either. I informed her about his letter but She denied that they had received it, I demanded her e mail address so I could e mail her the letter but She declined to provide it to me, however asked me to fax it. Agency reported to my XXXX credit bureau as collection a week after my conversation with XXXX. I received another debt collection notice in XX/XX/XXXX. I called the agency and spoken to Chastity who handles my case, She denied receiving my attorney 's letter, when I mentioned her about XXXX debt verification notice which I got in XX/XX/XXXX, She could not answer me how could that happened, reporting to my credit bureaus first, denying my attorney 's letter, and sending XXXX more verification. I now can not get any credit, they have coursed me great amount of XXXX and financial lost. I had applied to refinance my car which would save me approx. {$1500.00} a year on interest, and since I am in XXXX, buying on credit and selling, now I can not apply for credits. I asked XXXX to remove the collection from my reporting bureaus and I will not file for damages, She said that was going to talk to a manager as yet they have not done it yet.

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 04/19/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file. 

15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Credit card) with MSW Capital, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Recently I was notified via the XXXX XXXX XXXX XXXX that MSW Capital LLC and XXXX XXXX Bank are attempting to collect a debt for a credit card account that was opened fraudulently. I went to court to file a motion to vacate a judgement in the plaintiffs favor since the documents that were supposedly served to me never happened. In fact the court stated that the service of notification was " problematic ''. In an effort to prepare for a future court date, I have attempted to contact MSW Capital and XXXX XXXX ban in order to garner necessary documentation on how this account was opened. I spoke to XXXX XXXX XXXX Bank representatives who apparently are located overseas and have proved to be of little assistance to getting all documents related to this case. I simply want information on how the account was initially opened and all supporting documents related to the account in question. The judge has continued the case in an effort to allow me to refute ownership. In speaking with the representatives at XXXX XXXX Bank, the account was opened online and there is not a signature card or agreement that supports their claim that I opened the account. It is my belief that a family member who was down and out on their luck utilized information they stole from my office in my home to open an account. I did not provide my information to anyone or make it available to anyone. Therefore I question the validity of the debt collection and the efforts of MSW Capital and XXXX XXXX bank, respectively, on the opening of the account and the credit collection efforts for an account that was fraudulently opened in my name.

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 01/21/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of 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 08/25/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY).
Issue: Fraud or scam

Complaint: I was buying a car on XXXX for XXXX, and the suppose owner was to ship yhe car though XXXX XXXX.I sent the money thru moneygram to a XXXX XXXX in XXXX, XXXX, and the moneygram was diverted to XXXX XXXX, without my promission.XXXX did not vet the ad, as it was a total scam, and they knew it, due to the fact that in their bylaws they with XXXX.XXXX is part of XXXX, and XXXX XXXX says that in order for XXXX to take responsibility for car, it can only be listed on XXXX XXXX site.XXXX had the responsibility to flag the post, and Ifeel that they were in on the scam, because they still have cars on XXXX XXXX site that are scam cars.I hope you can help me, to shut them down, because according to websites, they are many people that has been victims of such a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Capital Management Services, LP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.

Company response to consumer: Closed with explanation