milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Please accept this statement from my wife on my behalf. She is the one helping me fix this matter. 
My wife : I called XXXX directly today to pay a debt of {$100.00}. XXXX stated that Pinnacle was part of their company and could accept my payment. I made the payment of {$100.00} I have a confirmation number. I called XXXX back to get a receipt or something in writing that it was paid. XXXX stated the account was written off and that they could not give me a receipt. XXXX did confirm they did receive my payment but can not give me a receipt for the payment. I had to call Pinnacle to obtain pay off info. I called Pinnacle and they stated that debt was written off and given to XXXX agency that works with their company. This company does not report to the credit bureau for my husband 's credit. After speaking with the XXXX XXXX XXXX agency the man was rude and not helpful so I hung up. Called XXXX back and explain the dilemma and they still suggested I should call Pinnacle. I called Pinnacle and they mention they could not give me a receipt stating that it was paid off because it was with the XXXX XXXX XXXX group. I mentioned to the lady that Pinnacle is the company reporting to my husband 's credit report not the other company. So I asked to speak with her supervisor at Pinnacle she stated that I needed to talk with the supervisor at XXXX XXXX XXXX group. I stated they do not report to my husband 's credit report. She stated that I would need to talk to XXXX XXXX XXXX group. I told her that I did not want to talk with the other agency because they are not the ones reporting to my husbands credit and if we could not resolve this I was going to file a complaint with CFPB. She proceeded to transfer me to the other company anyways. So I am now filing complaint. All this because I just needed a receipt stating my husband 's debt was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' 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 non-monetary relief
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I apply for XXXX credit card, because it was said that I can do a balance transfer at 0.00 % and no transfer fee. When I call the XXXX after had received the card they told me that I will be having a fee of 3 % for balance transfer. I feel that was a shame that gave me the illusion to same my problem and be able to reduce my high interest in the other credit card that I already have. I will like to pay off my credit card and start fresh. I thought that if I will transfer to XXXX maybe in one year o so I will be able to pay off my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company who is calling me on an old debt called and discussed the matter with my XXXX year old daughter and my employer. They also advised me they are trying to have me fired.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I  called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment for my daughter and after she moved out I received a {$5100.00} invoice from the rental agency 's credit collection agency. The rent was {$790.00}. per month and she owed for two months. I concede to that, but they tacked on a bunch of charges for various items ( see letter attached ). They also kept her {$790.00} rental deposit. I kept trying to contact the rental agency to try and work a settlement with them for the two months owed. However, they refused and put {$5100.00} on my credit report. I have attached all the correspondence that I sent to them trying to work this out. I also contact the collection agency thay they used and they would not correspond with me. I had my attorney send them a letter. When they finally responded, a month later, they gave me a $ {$580.00} credit but would not rescind any of the outrageous charges. After that, they dropped the ball and I have n't received any other correspondence from them to this day, XXXX XXXX, 2015. I want to work this out for a fair and equitable settlement. Transunion said that they checked with Credit Bureau Associates and they remain steadfast with their claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never got a bill for the debt of  XXXX  from original creditor .also added 18 % interest to bill.I only found out when I got my credit reports, contacted GLA collection co.inc.rote them for all medical records, only received the bill with interest added an original creditor name,  XXXX   XXXX    XXXX    XXXX , no a dress, a account number. I also read they could only get original amount. their address is  GLA collection co Inc,   dept. #  XXXX    XXXX   XXXX    XXXX   XXXX , Ky XXXX .-phone : XXXX .my email is  XXXX   XXXX     XXXX   XXXX    thanks,  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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This complaint is against American Express. I used the credit card to purchase Delta Airline ticket for the amount of {$73.00}. One day prior departure, I went Delta online to cancel the ticket. Before CANCELLING the ticket, DELTA WEB SITE DID NOT INDICATED WHETHER OR NOT IT IS REFUNDABLE, so I went ahead and cancelled one day prior departure. I disputed the charge with AMEX for reason of POOR QUALITY OF SERVICE by Delta, and talked to supervisor XXXX on XXXX/XXXX/XXXX approx. XXXX XXXX EDT. AMEX supervisor was not helping consumers, saying that if the merchant ( DELTA ) wants to charge, they can do whatever they can do and AMEX credit card company has no control on it. I was so shocked that AMEX employee with supervisor capacity does not even know " the quality of goods and services '' is protected by the law. He was more than willing to help closing the account than help solving the issue of quality of goods and service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: Dear Scottrade, As mentioned in my separate letter, I wanted to highlight that my son reported vulnerabilities of Scottrade systems, including but not limited to the following errors:1. ) Failure to encrypt customer information, including secondary passwords, social security numbers, and other highly sensitive personal information. Scottrade ignored the warnings and as a result the recent XXXX XXXX customer data breach is now a serious issue. If Scottrade has listened to the reports that they did not properly encrypt and protect information the breach would not be as large of a risk to customers. 
2. ) ACH vulnerabilities in Scottrade 's systems that allow hackers to fraudulently initiate XXXX dollars if fraudulent trades. 
3. ) Failure to investigate fraud. 
4. ) Et al. 

To be sure, I have attached a letter sent to Scottrade and the SEC that describes a number of these issues and would invite Scottrade to respond to my concerns and explain why they ignored the fact that Social Security Information was being transmitted and stored in plain text.

Company response to consumer: Closed
Consumer complaint received 03-10-2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance with Capital One Home Loans on XXXX XXXX, 2016. The agent I worked with is XXXX XXXX ( XXXX XXXX ) and XXXX XXXX. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged {$450.00} but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the XXXX owner before me ). For this information I had to reach out to the lawyer who had helped me when the property was transferred to me. They also requested a copy of the lease agreement which I explained to XXXX XXXX I would have to reach out to the person managing the property on my behalf and there would be a delay before I can provide the information required for the title and lease agreement. 

I received a voicemail from XXXX XXXX on XXXX XXXX requesting that I send the lease agreement to XXXX within 24 hours, as well as, provide an update on the title, otherwise they would cancel my loan. I sent documentation I had received from my lawyer regarding the title on the same day ( XXXX XXXX ) and forwarded the lease agreement as soon as I received it on XXXX XXXX ( within 24 hours ). 

I called their appraiser to schedule an appraisal for the property as planned but found out from the appraiser that my loan had been cancelled. I checked my account and found that I had been charged {$450.00}. Neither XXXX or XXXX sent an email or called to let me know the loan had been cancelled and I would be charged {$450.00}. Subsequently I sent emails to XXXX and XXXX to get an explanation but did not get a response. I also sent emails to XXXX 's manager, XXXX XXXX but did not get a response. I called and left voicemails but still did not get any response.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX I paid off my Account with XXXX XXXX XXXX in XX/XX/XXXX. I waited two months before I first disputed my credit report. The collection has been cleared from both XXXX, and XXXX, but Equifax fails to remove the collection from my report, even though it states that the collection has been closed, due to account pay off, and the account balance is XXXX. I call XXXX XXXX XXXX to make sure they reported it to all of the credit bureaus and they stated that they told all of them. Equifax still will not remove the collection from my credit. I 've called them and never get an answer, I disputed the collection over 5 times and I just did it again. Please look into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In XX/XX/XXXX, I cancelled cable services with XXXX XXXX XXXX XXXX. I shipped the DVR back to them a few days late. As a result, I was billed {$680.00} for the equipment. I mailed copies of XXXX shipment receipt to XXXX XXXX XXXX XXXX, and all three credit agencies including : XXXX, Equifax, and XXXX. Unfortunately the charge remained on all three credit reports for seven years. The charge was scheduled to be removed in XX/XX/XXXX from all agencies. When I asked for the charge to be removed it was extended to XX/XX/XXXX. XX/XX/XXXX is half over and all three agencies have extended the charge to XX/XX/XXXX. Seven years have passed. Please assist me in removing this negative item from all three credit reporting agencies. I have another item through XXXX XXXX XXXX phone services in the amount of {$93.00}. I spoke with the collections agency for XXXX XXXX XXXX and they assured me the charge would be removed once It was paid. I paid the item in XX/XX/XXXX and it still remains as a derogatory account with all three credit agencies. Please assist me in removing this negative item from all three credit reporting agencies. I will fax prior and current credit reports detailing these items. Your assistance in both matters are much appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am currently in escrow to purchase a home. My lender ran my credit again as normal procedure and found a collection that was n't in my credit 30 days ago. I am going to lose {$10000.00} deposit if I cancel the escrow due to not being able to qualify because my credit score dropped from XXXX to XXXX because this collection that does not belong to me. Because i was desperate after talking with a collector from Southwest Credit and told him that the social security number that he mentioned trying to verify my identity was NOT my social security number. Again because I went desperate I called again and paid {$180.00} thru the phone automatic system. Payment Conf # XXXX. Later, taking with my landlord and neighbors I discovered that the previous tenant living at XXXX Ca XXXX, was also named XXXX. Again, This account is not mine,

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a XXXX XXXX XXXX. I was supposed to get ebills from XXXX XXXX - I never did get an ebill checked my bank account. I forgot about the bill until it showed up delinquent on my credit report. I drove to XXXX XXXX on XXXX/XXXX/16 and paid in person. Otherwise, I have perfect credit. Now i get daily calls from XXXX or XXXX claiming to be American Express. I called XXXX XXXX and they confirmed these are not calls from them and my account is clear. The first thing they ask me is my date of birth. I refused and asked why they are calling me and who they are collecting a debt for. The man on the other end just kept repeating that he needed my date of birth. I asked them to inform me in writing of their concerns. He just kept asking for my date of birth. I became irate and told them to stop calling and I was going to report them as scammers. Finally, He said ok we will stop calling you. Of course, I do not believe that! XXXX XXXX has agreed to take this off my credit report and told methey would issue a letter to my home address within 30 days.

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 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Per XXXX Connection policy, a certified document was mailed by XXXX to terminate the contract. The health club did not terminate contract and proceeded to continue charges and amount was submitted to First Credit Services collection agency. I have copies of the certified document as well as the tracking label of the certified document.

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