milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX 2016, I mailed a letter to Transunion for both myself and my husband, and I called after believing adequate time had gone for mailing to confirm receipt. Per the representative, they not received the letters and I was provided a fax number. On XXXX XXXX, 2016, I faxed the letters for both myself and my husband in which I got a successful transmission and still as of today, I have not received any results of the dispute nor has he. I contacted Transunion today and spoke with XXXX representatives in XXXX, XXXX a regular representative and the other in the special handlings department who both advised they did n't see anything being received for me. Despite me telling them of the faxed confirmation which is synonymous to sending certified mail, they kept insisting on me giving them the accounts I disputed so they could now put them in dispute. I then asked for a supervisor in the Special Handlings Department in the United States as I was getting nowhere with the ones in XXXX. I spoke with XXXX, Special Handlings Supervisor in U.S. who stated he did n't see letters either. He checked my husband 's file as well as mine. How could they not see a fax? I advised him that according to my Efax service, the transmission was successful, I confirmed the fax number sent to as being their fax, I provided the exact time to him down to the second and he still just asked if I could, get this, fax the letter again to the same fax number to his attention so he could place the items under dispute. I declined as this has already been my 2nd attempt and second method of delivering this same information to them and them not receiving 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 explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, XXXX, and Experien all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a XXXX XXXX, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.

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 07/30/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Paramount recovery has been carring a debt XXXX since XX/XX/XXXX on my credit report, I have requested a copy of the original bill I keep getting a ledger copy with no information of what it was for. The billing was disputed, as any bills would have been paid by my employer insurance at the time. What I keep getting ( lrdger copy ) is showing line XXXX and sent to Paramount XX/XX/XXXX. I recently inquired again, and I received the same information in addition to a letter address to XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX Acct # XXXX billing for XXXX. I will send XXXX XXXX information to him, but I am concerned Paramount is send customer information to other customers. XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , TX XXXX Payment Information Toll Free XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: Reference cases XXXX, XXXX, and XXXX that were previous submitted and response was disputed, after a review and discussion by phone with the cfpb I am re-submitting new complaints as I strongly feel that federal laws were violated and that the cfpb may have not fully completed a proper review of the response dispute. 

Synchrony Bank never addressed that fact I was not receiving bills and simply stated that the XXXX accounts were charged off and sold to second round and they no longer service the accounts. 

XXXX clearly stated " XXXX XXXX has made it clear he is interested in resolving this matter. We are in the process of negotiating a settlement agreement with XXXX XXXX '' yet to date have never contacted me to reach a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: i sent money threw XXXX XXXX XXXX the receiver in XXXX was told the money was paid out. I went back to the store n the manager said it takes a few more minutes.could you please help get the money paid

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Credit card) with Pinnacle Credit Services, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.

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 02/28/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I applied for a checking account with a {$200.00} bonus from BBVA. I met all the requirements that they listed but it's been almost 4 months and they haven't deposited my bonus. They also don't respond to inquires about this, and have overall very poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Recorded message says to call XXXX and ask for XXXX XXXX so when we do so we ask for XXXX XXXX but whoever answered the phone says they can help us. We then state that the phone number you are calling is a new one to us and that we have no debt to anyone so please stop calling for which the standard response has been " We will remove you from our list ''. Problem is, they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit card () with PAYPAL HOLDINGS INC. (MN).
Issue: Other

Complaint: I have found out that Bill Me Later has an account opened under my name. I have not opened an account with this company nor have ever done business with them. 
This account appears on my credit report, which does not belong to nor have I opened it with this company. There is also collection action appearing on my credit report as well as letter that I am receiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all XXXX credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all XXXX of my reports. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have an account with XXXX who still show open with a balance and was send to collection without my knowledge. I want this issue to be fixed immediately. I want the collection to be remove in the time manner. I start received calls from collections agency about the debt that I will not know why in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed bankruptcy last XX/XX/2007 and still appears on my Experian report. It should be talen out ny now. Thank you! Most of my other accounts were old and still appears.

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 04/20/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was PAID ( XXXX on my taxes by original creditor ). 
This account should NOT be reporting on my Credit Reports by a Debt Collector as this debt has already been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have asked   XXXX   to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  Lexis Nexis. I contacted Lexis Nexis   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to  XXXX  and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  Lexis Nexis and the letter from  XXXX . How can   XXXX    say they verified the info and I have proof that the public record is not in Lexis Nexis  database.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Late fee

Complaint: I had a citi Master card ending in XXXX. 
There were some automated payments from XXXX being deducted which I was not aware. I had asked them to change it Looks like it took affect after XX/XX/XXXX. 
Till XX/XX/XXXX Total XXXX charges were around {$75.00} Now Citi is asking me to pay {$220.00} because I am late on my payment for 3 months. 
This is roughly 3 times the amount I owe. Which is very unfair. 
Also Citi never bothered to inform me Other than sending emails which went into spam. 
The only time they contacted me via mail was the final collection notice.

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 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account with Citibank in XXXX XXXX under a promotion ( XXXX ) for XXXX XXXX miles once I made two electronic bill payments within 2 months of account opening and {$1000.00} of debit card purchases. I opened the account under this promotion and verified ( in writing ) with a citigold representative that I was eligible and enrolled in this promotion. I completed the requirements XX/XX/XXXX ( verified it in writing with a citigold representative ) and told that my XXXX miles would post by XX/XX/XXXX. After not posting in the promised timeframe, I reached out to Citigold in XX/XX/XXXX and was told that it would be investigated. Despite weekly inquiries from me, I have not been contacted once with an update or a resolution. In fact, there is no evidence that any progress is being made. I continue to inquire weekly and get the same response that the department that handles promotional award is busy and will get to my concern when they have time. I feel as though they are stalling because I have little recourse and they can keep charging me account maintenance fees of {$30.00} per month while I wait for a resolution. One agent did tell me that I might not get the promised miles because I was not targeted for he promotion. I do n't know if this is accurate but even if this is true, I was allowed to open an account under this promotion, verified with the citigold representative that I was eligible, and then verified with a citigold representative that I had met all requirements in XX/XX/XXXX. How was I supposed to know that I could only apply if I had been targeted? I signed up for the offer and was told by Citi 's agent that I was eligible. I am asking the CFPB for assistance because Citi is refusing ( or stalling ) to honor their promotion.

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 09/30/2016 about Debt collection (I do not know) with Credit Bureau Collection Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against CBCS for CBCS 's failure to provide requested information for the debt alleged. On XX/XX/2016, consumer, XXXX, received a demand letter from creditor, CBCS. On XX/XX/2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over six weeks since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Debt Collectors is reporting a debt of {$1500.00} dollars on my credit that is not my debit. I did not have any service at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX/XXXX/2015 Identity Theft report. For medical bill and cable bill. On my credit report. I mail copy of police report, copy of my social security card and driver license to XXXX. Then I received a letter from XXXX Please be advised that XXXX, at this time, will not block the information subject to the submitted identity theft and / or police report you provided as part of your dispute. We are contacting each creditor directly to verify the accounts on your behalf. We will also forward a copy of the documents you have provided to each creditor for their review. The police report is regulated by law and secondary dissemination of any kind is prohibited. 
Case # XXXX police report.

Company response to consumer: Closed
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: problem is XXXX reporting what select portfolio servicing, XXXX XXXX and XXXX XXXX are sending them. I have disputed several times with all XXXX agencies and XXXX or XXXX with this cfpb. my wife and I were in a mortgage that was an A R M and before it started to change we tried to refi with no success we later ended up filing chapter XXXX bankruptcy in 2006. we still tried to keep the house and get a modification from the bank with no success ended up rolling the house in to the bankruptcy thru a modification approved and passed thru by the trustees office mortgage company was XXXX XXXX then XXXX XXXX then XXXX to now select portfolio servicing is reporting improperly to credit agencies reporting late pays 120 days or more on an account number we never had XXXX tried to say we excepting a modification and started reporting late pays on that account that was never excepted or approved if any report it should say house was surrendered back to bank in a chapter XXXX bankruptcynow we are trying to buy a new house for us butt have this big issue to fix

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation