milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a follow up to case Your submission, [ Case number : XXXX ]. I have already submitted my paperwork showing the credit reporting done in error on my account # XXXX. This needs to be removed from my credit immediately as the correct procedure ( to protect consumers ) was not followed therefore reported to the credit bureaus in error. I received no response to my certified letter demanding a validation of what is " said owed ''. I do not owe this debt but if it is handled in the correct fashion and this removed from my credit, as it should have never been in the first place, I will pay the {$130.00}. Please reach out to me through email or fax with this expressed in writing and we will go from there. Once received in writing showing this was done in error and will be removed from my credit immediately, I will mail in a check. This is my final attempt before I seek legal counsel and move on from there to sue for the $ 1000+ damages done to my credit. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Pendrick Capital keeps selling a so called medical debt to agencies and it keeps being added to my report. I have filed numerous complaints against the agencies who have purchased this debt and the account has been deleted. Pendrick has not once contacted me regarding this " debt '' yet they sell it and the agencies do n't even contact me! This debt is not valid and I want it completely removed!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Account Control Technology, Inc. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (Government benefit card) with KEYCORP (IL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On  XXXX / XXXX /  XXXX   @  XXXX  i activated a transfer to  XXXX   XXXX  Ban k in  the amount of {$400.00}. As of the date of this complaint, the funds have not been received. I spent  two h ours on the Phone with  XXXX   XXXX  who would not assist me in researching the wire because I was not a customer of the bank. After speaking, with the  Card Servicer, it was identifi ed by  XXXX  the supervisor  that " Unforutnately it  was a manual wire done online and can not be tracked by the card servicer '' Please help me resolve this and get my money back.      XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: This is regarding my American Express business gold rewards credit card.
I met the spending requirement on XXXX 2017 ( {$5000.00} spending within 3 months for XXXX  membership rewards points - spent total of {$5400.00} ).
American Express is refused to award the points because it insists I called in to " cancel my membership rewards account, '' but I NEVER contacted AMEX regarding this account in any way. When I spoke to an AMEX membership reward representative about it, there was indeed no record or proof of this, so they said they will credit the account of the XXXX points in 8-12 weeks.
I contacted customer service mid-way just to check progress and a representative named XXXX told me it will definitely be credited. It has been 14 weeks and AMEX has n't credited my account.
I contacted AMEX again and was told the exact same story ( that it wo n't be credited because I cancelled my account ) and that they will try escalating the issue to have it investigated. But it was ALREADY investigated and I was ALREADY told that it WILL be credited ( twice! once by membership reward rep via phone and once by the customer service rep via the chat function ).
I am sick of having to go back and forth about this. I have met the terms of the contract and AMEX admitted to making the mistake about me cancelling the membership reward account and that they will credit my account for the XXXX - I just want what they said they will do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We are continually harassed by Green Tree Servicing whom took over our loan a few years ago from XXXX. They indicate we are delinquent in our funds monthly and state that they are a " collection agency ''. Recently, I received a 30 day delinquent notice, although our $ USD counterpart ( XXXX XXXX XXXX XXXX ) sends us confirmation of funds withdrawn between the XXXX and XXXX of every month. 
The problem is XXXX fold ... I am an XXXX living in XXXX and have to rely on mail / postage as Green Tree does not offer electronic transfers / payments ... who does n't offer this service in the XXXX XXXX!!!?? ... Green Tree does not. Secondly, when our bank sends the mail ( confirmed ), it has been explained to me on several occasions by the many transient 'account managers ' we 've had over the last few years, that the mail sits in their accounts receivable department until process. 
As a point of consistency, we start receiving calls from Green Tree call agents around the XXXX of every month and continues until our payment is miraculously processed ; somewhere between the XXXX and XXXX of the month. As such, our account shows delinquency nearly every month. 
To cap it all off, due to their fallible processes and poor customer engagement, we receive at least 1 to 2 phone calls per day from Green Tree, which we 've since stopped answering and are contemplating legal action at this point. The call agents phone, without regard, any time of the day. We 've even received several phone calls at XXXX on a Saturday morning over the last few years!! This HAS TO STOP.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: " ... Over the past seven or eight months, I 've tried to remedy this issue on my own, but to no avail. I 've sent TRANS UNION, via USPS certified mail, four ( 4 ) dispute letters informing them that they are illegally listing unverified accounts on my credit report in error. 

I requested that the adverse accounts be deleted from my file. However, they did not comply. The listing of the accounts in question has severely impacted my life negatively, causing me serious personal and financial hardship. I 've suffered significant damage to my credit, I 've had my credit limits reduced and I 've even been declined for additional financing.. ''

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a letter to credit reporting agency to remove inquires that I do not know from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I depositeda cashier 's check XXXX/XXXX/XXXX, at my account in Key Bank ; checked bank XXXX/XXXX/XXXX and teller said funds would be available in morning, XXXX/XXXX/XXXX. I received cashier 's check per XXXX XXXX mail received - letter is attached. I transferred 2 money grams to address assigned, after checking account for availability of funds. Each was {$930.00} and each cost was {$11.00} per transaction. I work 2 jobs and also received pay from 1job on Friday XXXX/XXXX/XXXX. I periodically checked account through the weekend and had over {$300.00} in my account. I checked account Monday XXXX/XXXX/XXXX and was over {$1900.00} negative. I called customer service at Key Bank at XXXX PM and was told it was just a hold on the check. I asked if I should put a hold on my account so no other funds would be withdrawn, but was assured by rep that balance would be over {$300.00} in morning. I called customer service today, Tuesday morning at XXXX and was told same, by XXXX it would fall off and balance would be positive. I checked at XXXX : and still negative. I called customer service and was told it was not valid, no funds available and to try reaching out to XXXX XXXX. I assured him that I had been trying. I went to the Key bank in XXXX and was given the # for fraud. I went home and called the fraud department and asked about reimbursement and how I could have carried out transaction if funds not available. I was told that they did not have anything to help but filed dispute. I do not want to see anyone else go through this but also feel the bank has to be responsible for misrepresentation. I am terrified as my direct deposits from work will continue to go toward a negative account that just continues to go in the negative. I ca n't pay bills, buy food or anything and I am really terrified.

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 09/21/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX  and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (Auto) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was an officer of a corporation that leased a building up until XX/XX/XXXX. The building was completely vacated in XX/XX/XXXX while a dispute on unpaid rents remained active. We made a settlement agreement of {$10000.00} in monthly payments of {$620.00}. All payments were complete and the matter was closed. On XX/XX/XXXX I received a notice from FCS Collect claiming that {$18000.00} was assigned to their office for collections for that lease. It shows {$13000.00} principal and {$5100.00} interest. I spoke to a XXXX there and provided an email with the check numbers and dates of the settlement payments and advised her that this was a time-barred lease agreement. According to California Code of Civil Procedure section 337, that the landlord was long past the four years statutes of limitations. She thanked me for the information and said she would pass it along to XXXX, the leasing company. I had not heard anything else back from her. Yesterday, on XX/XX/XXXX, I went to purchase a vehicle and to my surprise, my credit score dropped from 780 to 650 due to a bad/false claim from FCS for {$18000.00}. This effected my interest rate on the purchase costing me well over {$1000.00} of interest on my future payments. I contacted FCS this morning with my disappointment and prior to hanging up on me, they said " do not call 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 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.

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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion customer service US handling would not help and take care of the negative inquiries reporting to my credit report. 
which are XXXX and XXXX I will like them removed

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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

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 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Received a credit report from TransUnion showing " XXXX SERIOUS DELINQUENCY '' & " XXXX TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN '' which was triggered by an incorrect report by XXXX that the account had not been paid and went to collections. 
This information is not true. I contacted XXXX and they had no record of the account going into collections or being past due. It was paid in full and closed. 
The Transunion credit report is showing a lower FICO score than it should, despite the dispute, which is causing me real harm. I am applying for a loan which is going to cost an extra {$60000.00} over the loan term.

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 05/14/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I am the daughter of XXXX XXXX and have power of attorney. My mother with my assistance are in the process of obtaining a loan modification. We started this process in XXXX of 2016. The decision to modify was due to our discovery of an exhorbitant interest hike for an interest only first mortgage which is now nearly 7 % as well her dwindling of assets due to these terms. Frankly the loan terms reflect a predatory abuse of a XXXX. It was n't until recent review that we discovered a high interest interest only mortgage. Thus far the modification process with Select Portfolio Portfolio Servicing Inc. as been painfully redundant in document production. Nearly every document has had to be re emailed to them despite confirmation of receipt in good order They also have asked for us to restate income from investments to a category known as " other '' rather than " wages '' which yielded the same gross income. This red lining against this XXXX systematically is depleting her assets and creating a default. Her simple objective is to preserve her home and reduce the interest rate to 2 to 3 % with a principal amortization of XXXX yrs which is something more typical of those yielded in the modification market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for a car loan through XXXX and I was not aware that they run your credit through numerous companies. I have contacted XXXX and asked that they remove the inquiry as well as the credit bureau and it 's still reflecting on my credit!! I did not authorize my credit to be ran through XXXX XXXX XXXX

Company response to consumer: Closed with explanation