milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX/XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c )  that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a claim from an unknown source for services performed in  XXXX ,  2015  at  XXXX   XXXX   XXXX   XXXX .   Account :  XXXX  Amount for services {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine .I turned XXXX years old on XX/XX/XXXX.The debt occurred on XX/XX/XXXX.This is effecting me tremendously because jobs are denying me the opportunity for employment.Please help resolved this my removing this from my credit bureaus .Also please do n't allow them to sell this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

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 11/21/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Rewards

Complaint: Almost a year ago I received a solicitation from Chase Bank to get their XXXX XXXX XXXX credit card. The reason I got the card was a feature where the cash rebate of generally 1 % was increased by 25 % if used to purchase travel. I accumulated about {$1800.00} in travel benefit. I checked on-line a few times and was able to use their on-line system to find hotels and flights, but did n't actually use it because the cost of particular hotels was higher than available through XXXX. Nine days ago I decided I should use the travel purchase feature. However, each time I tried to get on-line over a nine day period, I was unable to get to the travel purchase portion of the site. Each time I got a message saying the feature was temporarily unavailable to me. I talked to XXXX different individuals at Chase, and they were unable to help me access the travel reservation portion of their site. I would like for them to call me and allow me to make hotel reservations as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems INC, a debt collector reported that I was delinquent even after I made payment of complete agreed upon amount towards settlement. 
Transworld Systems INC had confirmed that they will not report if I make the full settlement payment. After I called and informed they corrected their reporting error, but the harm was done by then in terms of incorrect reporting to Credit Bureau 's resulting in my lower score for the month XX/XX/XXXX. 

I would appreciate if corrective actions are taken before incorrect report is sent to credit bureau 's. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: # XXXX XXXX is reported as a closed collection account and marked as a derogatory after claiming an adequate investigation. It is not. It has been told to Trans union that this an account resolved and originated from ID theft. The negative impacts our standing for housing and other attempts at normal living

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (I do not know) with Partners Financial Services Inc (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: 1. ) I purchased a guitar on XXXX XXXX, 2015, from Guitar Center. I accepted the company 's offer of 0.0 % interest offered by XXXX XXXX if the credit is paid off within 24 months and all payments are made on time. 

2. ) I did my due diligence, went online, and set up automatic withdrawals from my checking account for {$60.00} per month ( this is higher than the minimum amount required ) payable to " hrsaccount '', held by XXXX XXXX. 

3. ) I received a monthly email reminding me that my payment would be due on the XXXX of the following month. Payments were deducted and all was well. 

4. ) On XXXX XXXX, 2015, I received my latest email reminder reminding me that my account " ending in XXXX '' was due on XXXX XXXX, 2015. This was usual and customary and did not require any additional action on my part, given that I had set up automatic payments already with no problems. 

5. ) On XXXX XXXX, 2015 I received a NEW credit card in the mail from Synchrony Bank with a Guitar Center logo on the front. I have never heard of this bank and did not request the card. 

6. ) On XXXX XXXX, 2015, immediately after opening my mail with the new credit card in it, I went online to XXXX ( my link to the Guitar Center credit card ), looked up my account, and was informed it could not be found. I was redirected to " XXXX XXXX Financial Corporation '' and read that as of XXXX XXXX - no year listed - my XXXX XXXX balance had been transferred to Synchrony Bank and I had to contact Synchrony to set up my next payment. 

7. ) Now, XXXX XXXX, 2015, is four days past my original due date for payment. Note again, that I received an email XXXX XXXX, 2015 that listed my OLD credit card number reminding me to pay ( see item # 4, above ). 

8. ) Negative anticipation : I believe that Synchrony Bank will now deem my account delinquent, because the automatic payment has been cancelled by XXXX/Synchrony Bank without my knowledge, consent, or notification, either written or electronic. Again, this is an interest-free account as long as all payments are received on time. 

9. ) I am attempting to contact Synchrony Bank again tomorrow ( unable to get a reply today ). 

10. ) I am writing to you IMMEDIATELY to make sure that Synchrony Bank does not take advantage of me because of THEIR lapse in notifying me of the above listed changes. I am not sure if this is some sort of intentional " bait and switch '' tactic but it certainly seems possible, given the profit to them and the repercussions to me. 

11. ) I have a documented XXXX and Synchrony Bank 's uncorrected error would be a REAL hardship for me financially ; what is NOT a hardship is the fact that, since I 've lost my working hours due to failing health, I have as much time as it takes to make sure I am not taken advantage of by Synchrony Bank. I am positive justice will be served here because anything else is unacceptable to me and would be to anyone in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Strategic Alliances, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt originated from an XXXX made via my prior employers credit card & while operating under my prior employers insurance plan. Rental was under my name. Insurance company rejected claim ( which was under the deductible. ) I repeatedly told callers this, and they ignored my attempts to explain that I was not the person who was responsible for the claim. 

After 2 months of continued and almost daily calls I arranged payment via my former employers & confirmed that the debt originating from the XXXX was paid by my former employer directly to XXXX. Calls have continued despite my confirmation that this debt has been closed in XXXX books. I am in the process of procuring a letter from XXXX confirming this fact ( awaiting arrival electronically. ) An attempt was made to say that I would be on an XXXX " do not rent '' list and that I would suffer personal consequences from this as a result of my supposed failure to pay. This was a lie doubly as my debt had been paid, & if such a list existed I would most certainly not be on it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.

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 02/16/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (UT).
Issue: Trouble during payment process

Complaint: We closed on a residential home loan on XX/XX/2012. The original purchase price of the home was {$330000.00}. The market was rebounding and the appraisal came in extremely low at {$340000.00} and so Private Mortgage Insurance was assigned to our loan for a term of 5 years or until the loan was paid down to 80 % of the appraisal value. The loan contract specifically states that the buyer is entitled to pay for a new appraisal after paying 60 consecutive payments. However, the contract stipulates that the lender ( LoanCare ) gets to choose an independent appraisal company of their choice.

We have contacted the LoanCare on multiple occasions requesting that they schedule an appraiser and let us pay for the new appraisal.The property is now estimated at an appraisal value of {$600000.00} and we owe {$290000.00} on the mortgage. Currently, our loan to appraisal value is approximately 48 %. However, the lender will not respond to our requests except to send letters that say, " We have received your request and will be in touch with you in 3-5 business days. '' LoanCare fails to follow through and they keep billing us $ 379 monthly in private mortgage insurance. They are not honoring the 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 01/19/2017 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (MS).
Issue: Deposits and withdrawals

Complaint: My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband walked out on my for my next door neighbor so we short sale the house. My first mortgage company was wonderful and they offered my second mortgage company XXXX. My second mortgage company said they would not except any offers that I had to pay in full. They also tried to block me from getting money for moving. I closed on the short sale in XXXX 2013. In XXXX they called and offered me a settlement for XXXX, XXXX, and XXXX. I asked why they were able to make an offer now after declining the short sale offer????

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXPERT GLOBAL SOLUTIONS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX is not reporting an account on my credit report that is in excellent standing I have requested this account be put on my credit report. The account is XXXX. Having this account report would help my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Medical) with Northeast Collection Bureau (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Money transfer, virtual currency, or money service (Check cashing service) with First Data Corporation (MT).
Issue: Confusing or missing disclosures

Complaint: a check cashing service company used by XXXX XXXX declined my check i asked why was told it was not for insufficient funds it was based on risk factors we had a insufficient check a while back that was paid in full right away yet are check writing history was deleted out of the system we have no problems any where else and we can not get a reasonable answer from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

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