milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Unable to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: collection agency has tried to make attempts collecting a debt that was settled directly with the vendor months ago. They have contacted family members as well attempting to collect a debt that is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! XXXX!!!! Just because I wanted to dispute items? What does XXXX have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with PNC Bank N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone open a credit card in my name at PNC and obtain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards 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 monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ex wife used my name and ssn to open an acct while i was XXXX and she refuses to pay it and it on my credit report effecting me able to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifaxs investigation about my debt dispute with XXXX did not PROOF or provide any supporting documentation that I LAWFULLY owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: I have disputed a credit card charge twice with Citi and included their corporate office in the rebuttal to the first decision for merchandise that was ordered and paid for but not received. The details are included in the attachement.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly tried to apply for student loan consolidation, but am repeatedly denied due to an incorrect report from Experian that I have a foreclosure or other negative account.   I have already issued a complaint with them and they claimed to " resolve the issue '', but when I tried to apply for consolidation again, I was again denied due to the same problem. Experian has showed disdain for their willingness to correct their mistake and as a result it is negatively impacting my ability to lower my loan interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Flurish Inc. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: i became a lendup card member since XX/XX/XXXX to move up the ladder you have to pay on time, update correct contact info my card was up for review for a credit line increase i had called to update my phone customer service called and when i answerd they hung up and sent an email stating they needed a code to get throughwhich was not true i had a dial tone couldnt call out but i could recieve in coming calls.i was denied a credit line increase there excuse was i was over my limit it was there interest fee that brought me over the limit from XXXX to XXXX credit limit is XXXX i was angry because they are playing a game what ever is going on at the moment emailed several times and stated close my account. they sent an email on a saturday that stated my account is closed there office is closed on weekends i called monday morning wanted my card re-instated i was told they cant made my payment of XXXX min of XXXX and XXXX for the overdraft.i was told my account was closed and couldnt re-open my account shows available credit of XXXX and is still open at this time looked up the card agreement it states i can cancel at any time and can be re-instated they de-activated my card so i cant use my avail. credit the card agreement and or disclosure had been breached by the lendup card co.

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 03/25/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This has been an ongoing issue in which I have tried to resolve for several years. Equifax failure to properly investigate an item appearing incorrectly on my credit report has created significant XXXX and a financial burden. Specifically, there is an account with XXXX that shows as a charged off account. This account does not belong to me. This account was opened fraudulently. On my credit report it shows that the account was transferred or sold, has a XXXX credit limit, XXXX payment amount, XXXX high credit. I have asked Equifax to provide information on how this account was verified. It shows a payment in 2010, I would like to know who made the payment and how the payment was rendered. This will assist me in tracking down who stole my identity and opened this account. Equifax has refused to furnish this information. It is impossible to have an account with a XXXX credit limit, XXXX balance, and XXXX high limit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (I do not know) with Millco Management (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: Chase decided to blatantly break the XXXX law XXXX and illegally prey on XXXX citizens above the age of XXXX, potentially also violating federal age discrimination laws. They are falsely and thus illegally advertising that they are giving medical alert services for free when they really are n't. XXXX citizens who may be suffering from XXXX due to age are especially vulnerable to Chase 's sick and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: On XX/XX/XXXX I received a Trans Union Report stating that the disputed XXXX account was verified, paid late collections. It states on the Trans Union report that I paid on XX/XX/XXXX, and debt is closed. 
This is inaccurate information STILL being reported on my credit report and needs to be taken out immediately. 
I am requesting TransUnion to show me the bank paid check or any payment with my name and account number that i made such payment. To date, Trans Union has NOT provided any proof. 
I can provide my bank statement to show proof that I DID NOT MAKE ANY PAYMENTS ON XX/XX/XXXX. I can provide proof for the XX/XX/XXXX Calendar year I made no payments to XXXX. This information is all being made up by TranUnion and or Creditor XXXX. As being disputed multiple times before, I made all my payments on time and account closed. There should be no negative XXXX items reported at all. 
Let me know where you want me to send my proof. My Point is, TransUnion IS NOT Checking or verifying anything with my report and this XXXX account. I have been hurt in scores and unable to purchase a home because of so many errors found on my credit report.

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 11/16/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Flagstar Bank has inappropriately denied assistance even though we are in imminent default under FHA guidelines even though we are current on our loan. We ( the borrower ) have had a reduction in income due to previous job loss, reduced pay with a new job and increased expenses. We do not want to loose our home! Flagstar states in it 's hardship letter they " ... understand that your home is an important and valuable asset and your peace of mind is important to me. Flagstar is dedicated to helping our homeowners preserve and maintain their investment. I am prepared to discuss your situation and help determine the best course of action for you. '' We feel this has hardly been the case. We are current. We have n't missed a payment. We are trying to be proactive rather than reactive with our loan.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrowe r [  your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ).  But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be discharged at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  XXXX  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.      HAPPY   XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX JCP ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me On XX/XX/XXXX XXXX XXXX responded and stated they report accurate information pertaining to my account and are unable to modify my account. 

as a result the debt that has not been validated and was updated on my credit repot on XX/XX/XXXX 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 01/13/2018 about Debt collection (I do not know) with Navient Solutions, LLC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I do n't know who this is they called my XXXX year old mom, made her very upset called my brother called my two sisters and called my cousin and my in laws saying he is looking for me but upsetting my entire family. Never once sent any correspondence to me. A place of business usually sends mailing and correspondence in the mail not calling ones entire family upsetting them. This is harassment NOT business. If you are trying to reach me mail me something.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a card with XXXX XXXXXXXX XXXX  XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report

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