milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2015 about Other financial service (Foreign currency exchange) with Travelex NY, Inc. (OR).
Issue: Incorrect exchange rate

Complaint: Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service ((CD) Certificate of deposit) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I opened a CD with Apple Bank two years ago. 
The CD was set to mature on XXXX/XXXX/15. I did not receive any notice in the mail as would be expected. I went to the bank today to close out the CD and they told me it was too late, it was locked in again. They said it locked in after 5 days and did not care that no notice was issued prior. 
They wanted to force me to renew for another year and charged a high penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX, the credit reporting agency Transunion, from what I have been advised, experienced a glitch in their system in which some credit inquiries fell off of reports. Around this same time I noticed some of my credit inquiries were removed from my report. Shortly thereafter, I heard of this glitch but did not make the connection that my credit report may have been impacted. I was under the impression at the time that these inquiries had run their course and fell off after the allotted timeframe until I checked my report a few weeks later and the same inquiries were added back. From what I also understand, the inquiries should not have been added back without advising me of the glitch and that the inquiries were being added back. I never received any written notices of these inquiries being added back to my report from Transunion and would like these inquiries permanently removed from my report due to Transunion 's lack of oversight in this matter.

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 01/14/2018 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 status incorrect

Complaint: I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently  applied for a home loan and was denied because of my credit. When I looked at my credit I discovered that AMCA was reporting a medical debt collection that I knew nothing about. I tried to call them but they would not discuss anything except how I was supposed to pay them. They have never attempted to validate this debt. I have not ever received any correspondence from them and I have not moved or had any disruption in my mail service. My insurance company should have paid this bill if it truly has anything to do with me ( wh  ich I do n't believe it does ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We did a Modifacation with Wells Fargo Mortgage They want {$2500.00} a month for at least 6 months to get caught up on payments, We said that was way to much, We offered {$1600.00} but they do n't respond they plan on foreclosing this month if we do n't Pay {$2500.00} we have contacted many Gov .websites they said to contact you? Thank You XXXX XXXX .. Ph. 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 01-12-2018 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Submitted a validity of debt to the company ( Capitol one ) no response in mid XXXX XXXX no reply. Submitted another letter no reply. No reply to even find out about the debt and possibility of settling it since it 's charged off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Experian on multiple occasions regarding an inquiry from a company XXXX XXXX XXXX I do n't recognize this inquiry have never gave them permission to pull my credit report. They have failed to investigate in to this matter for me and send me validation of why this inquiry was placed on my credit report. They continue to send me their generic response.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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 would like a detailed explanation of how the disputed accounts with XXXX and XXXX XXXX were investigated and validated within 15 days of this request. I disputed accounts with XXXX and XXXX XXXX with the credit bureau. I also submitted a request directly to the company demanding validation of the debt. The creditor has failed to respond to my demand of validation and is therefore illegally reporting the account information. The FDCPA prohibits any company from engaging in collection activity for any debt they can not validate. If XXXX and XXXX XXXX XXXX the XXXX XXXX XXXX were unable to validate the debt with me I find it very difficult to believe they complied with the credit reporting agency.

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 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my file.

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 11-02-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: I have a credit care with Care Credit - I used for dental work XXXX 2015. It was 1 year deferred interest. I made my payment each month - then in XXXX - I hit a bump and did not make a payment - then got back on track. Well, that bump - made them charge me over {$900.00} interest. Now I owe more than I charged. Is that right?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing

Complaint: I have an American Express Delta Platinum credit card, of which one of the advertised benefit is XXXX bonus Medallion ( Elite ) Qualifying Miles after {$25000.00} of eligible spend is applied to the card. I believe that I reached this threshold bonus in Calendar Year XX/XX/2016, but my bonus Miles never posted to my XXXX account. I contacted American Express about the problem back in XX/XX/XXXX and they opened an investigation which they informed me this evening had been closed with a ruling against me. 

I was informed that the research department had determined that I had spent {$XXXX}. ( Other representatives told me that I had spent {$XXXX}, meaning that there is n't even a consensus within the company of how the " eligible '' spend is calculated. ) Most importantly, American Express includes a feature called a " Year End Summary '' that is featured prominently in the online account portion of their website and shows all charges and categories of those charges made for the previous calendar year. My Year End Summary shows that I made charges totaling {$XXXX} in XX/XX/2016. If that number is calculated differently than the number for the threshold bonus, that is incredibly misleading. 

If one or more of my transactions did not meet one of Amex 's apparently multiple definitions of " eligible '' I could have easily completed additional spend, if I had been aware of the issue and had n't been misled to believe that I had already met the threshold until it was too late. I believe that Amex purposely misleads consumers into thinking they 've spent more than they have in order to avoid paying out such threshold bonuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 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: i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I received a notification from XXXX, XXXX, and Transunion notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX XXXX had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.

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 06/24/2015 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Company bought up mortgage from another company. As they are supposed to do, they did a escrow review, however, they used false and misleading numbers, thus triggering a refund of a portion of my escrow. I called them, and told them I believed they used bad numbers, they did n't care. Company then within 2 months did another review of escrow, this time they used real numbers, found I was going to be underpaid by a little less than the refund, and now are charging extra for the shortage as well as increased my escrow as I should. 

Complaint is that company did not handle escrow reviews correctly by using the false numbers on the first review, and if they would have, they would have easily left my escrow amounts alone, not causing me extra payment amounts to cover a self-generated shortage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Medical) with Ideal Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like to dispute any debt on the alleged account this debt collector says I owe.I 'm attaching a letter on regards.

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 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX TransUnion To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

Sincerely 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 explanation
Consumer complaint received 04-01-2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Late fee

Complaint: I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.

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