milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased a wallet at XXXX XXXX for less than {$30.00} and used their credit card. I got a bill in the mail on XX/XX/18 stating my account was 4 months past due and {$180.00}. This was the first I'd heard of this account being delinquent, so I immediately called to investigate. There were about {$150.00} of late fees and interest. They said my phone number on record was listed as having been disconnected, despite there having been no interruption in my phone service or change in number for sixteen years. I asked to have some of the late fees removed, splitting responsibility with them for the issue. They would only remove 1 month 's late fee, {$38.00}. I told them I was mailing a check for {$30.00} and asked if they could close the account, which they did. I have mailed the check.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.

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. (NE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Bank of America would not let me open account without providing my ssn

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They bought a debt pennies on a dollar and continued preying on me to repay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with SYNCHRONY FINANCIAL (MT).
Issue: Late fee

Complaint: Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.

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 monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Medical) with State Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Under Texas Finance Code 392.202 for debt validation I have had my rights as a Texas consumer violated and ignored. I sent State Collection Services a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests. I mailed the above named company XXXX letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in XXXX ways. XXXX, for ignoring my request, and XXXX, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus ( XXXX, XXXX and XXXX ). There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by State Collection Services and I would like this collection removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit Bureau, Please help. I noticed that the Bankruptcy Docket XXXX is on my credit report and I demand that you remove this public record off of my credit file. I 've written several letter to Transunion about this issue and Transunion have not resolved this matter. Transunion destroying my credit and score due of this error. XXXX and XXXX has already remove the following information. The bankruptcy court does not provide any agency with the debtors Social security number or informing them of bankruptcy filing unless it is specified on your bankruptcy petition. Please completely remove from my credit file. 
According to The FCRA, Section 609 a ( 2 ) I am requesting the following information as proof your company used of process to verify the bankruptcy and if Transunion are unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information such as the following. 
( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information not with a third party source such as XXXX, XXXX or XXXX XXXX. 
Credit Company are not allow to use third party source such as XXXX, XXXXr or XXXX XXXX Transunion when verifying accuracy on consumer Again not disputing the accuracy. Disputing whether Transunion broke the law by verified all information via furnisher, not by third party source such as XXXX, XXXX or XXXX XXXX Transunion hired to collect such information. If so please proof of the 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 explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I just want to bring to light this company 's shabby service. In a response to a previous investigation, Navient still fails to get the information correct? Really what good does this do? Navients own reply contains erroneous information. They come back with all of this technicality and validity in their eyes but still ca n't get it right. They make mistakes when they cover there mistakes!!! Is there no system in place to catch mistakes? How can an initial payoff check proceed the final payment by 5 years?? I am done, done, done. I have enough evidence to substantiate my claim. Enough chances have been granted. Navient will hear from my attorney. I am more than willing to put this on the forefront so that something is done to highlight Navients inadequecies for the greater good!!.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX continues to report an open collection item on my credit report, even though this item has long since been paid in full. The balance is zero. This item has not been updated on my report in over a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I received an American Express rewards card for {$500.00} which expired six months from the time of receipt. I used up the balance before the card expired. Several months after its expiration, I had to return an item I had purchased with the card to XXXX. I requested an XXXX credit but they mistakenly sent a refund to the expired card. Since the card was no longer valid, this should have been bounced back to XXXX but somehow it went through. I contacted XXXX and they are not able to get the money back from AE. I have since called the company on nine different occasions asking to have the money returned to me. They repeat that balances left on the card at expiration are forfeited, only this is not the case here. When I explain this to them, they tell me that they are escalating the issue to another department and will be in contact with me but in the month that I have been trying to resolve this, they have never contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XXXX.XXXX.18, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX Ref # 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 02-06-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no knowledge of debt that collection agency keeps telling me that I owe them. I asked for validation of debt and collection agency keeps sending me a copy of a billing statement. I have asked repeatedly for something more as proof that I owe the debt. Per the FCRA a credit card statement is not validation of debt. This collection agency has 2 collections on my credit report that I have sen tin multiple letters of dispute and proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: On  XXXX   XXXX   2017 t here 's a transaction for  XXXX  that was disputed on  XXXX   XXXX   2017 f or the same amount. I 've submitted vet statements, shipping confirmations, bank statements and paypal refuses to help settle the issue as promised in their buyer protection. It 's become apparent that my continued business with paypal is n't appreciated and that their working in the best interest of a verifiable liar and sca m artist. I 've jump ed through all the hurtles and hoops and they take this ladies word with out and verifiable information, matter of fact she has n't provided any proof of anything yet palpal will not uphold their promise of buyer protection. To make things worse paypal has hung up on me 6 times.

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 08-11-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation