milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX has 4 different accounts reporting to my credit reports that are XXXX debts and are pass the statue of limitations and they will not delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I found a debt in my name for {$150.00} listed on my credit report. Through investigation, I was able to discover that the collection agency reporting this {$150.00} was doing so on behalf of a medical facility in a state I have never visited. I wrote the credit reporting agency ( XXXX ) in XXXX 2017,  who said I had to deal with the debt collection agency. I wrote the debt collection agency ( SCA Collections ) in XXXX 2017, who said that they could not provide me any proof or providence of the debt because of HIPPA laws protecting medical information. I wrote the original debt holder ( XXXX XXXX XXXX XXXXXXXX ) in XXXX 2017 who have never responded to my requests for proof of debt.

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 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX paid medical bills showing on my credit report. My understanding is as of XX/XX/2015 paid medical bills should be removed. I have called the creditor, they have no clue about the new rules.. I have called the Credit Bureau/I have disputed with the credit bureau and told I was told they have NO IDEA about the new guidelines : XXXXSome changes are retroactive. For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. That likely will immediately improve a consumer 's credit scores, although by how much can vary widely, XXXX said. 


XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (VA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. 
On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. 
Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Date :  XXXX   2014 Amount : {$9600.00} No disclosure received Action : I called several times and they keep transfering m  e to oth er department.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all  XXXX  credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past  XXXX   XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my 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 11/15/2017 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: My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: While reviewing my personal checking account through BB & T I noticed an electronic check processing to XXXX ( XXXX XXXX ) and in the from section it had an unknown individual ( s ) from XXXX, VA and the account number on the electronic check was not mine. I have accounts payable to XXXX but they are not in this amount so I called BB & T and XXXX in the corporate office began looking into the matter. While I was on hold for several minutes I called my wife who is a joint owner of the account to bring her up to speed. After approx XXXX min. the BB & T associate came back on the phone and stated that he had begun an investigation into the matter. That the funds would be returned to my account by the next business day and the bank would cover any overdraft items. He inquired if I had any outstanding payments that would be affected by this debit and my response was not to my knowledge however I have taken the time out of my day to audit my account find your employers huge error, missed time at work, my wife 's missed time at work and the matter of distress that this has caused me and my wife to think that a banking institution can have an unk glitch in their system that indiscriminately takes money from one customer and pays the federal debt of another is a major problem and all my bank offers me is an apology???? But if I make an error you bang my account for an XXXX overdraft fee!!!! Unbelievable

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My issue with this Debt Buyer is that I keep having different continuing issues with this Debt Buyer. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XX/XX/XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account they they have had for years and have been reporting for years as new and just assigned in XX/XX/XXXX to at least XXXX bureau. Previous to my dispute and complaint they were reporting as placed for collection XX/XX/XXXX. They were also reporting as open, which is inaccurate. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XX/XX/XXXX and open and reporting it as if it is a new account. This is the same collection agency just reporting it differently. They seem to keep switching up, playing games with my credit report, which is causing and has to potential to cause in the future excess damage to me from their inaccurate and spiteful reporting. I 'm assuming they are hoping that I wo n't notice it, if they report it XXXX way for a month and then change it up and report it as new the next month. By them doing this has caused my score to drop when it should n't have had any new effect as again, this debt is a very old debt they they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XX/XX/XXXX and NOT XX/XX/XXXX like they are now reporting, at least to XXXX. I would like them to stop playing games with my report and stop with the inaccurate and deliberate wrong reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was a account holder at wells Fargo for many year, before I decided to apply for a credit card. I was not approved for a regular credit card, but I was approved for a {$400.00} secured credit card on XX/XX/XXXX. Around XX/XX/XXXX they allowed a car rental place to over charge my secured credit card. And closed my card immediately. When I called them they said you went over your limit. So I asked them how? They told my the car rental over charge me and there's nothing I can do to reopen the account. And when I tried to pay they deny my payment. And once I did pay the account in full. I never received my {$400.00} back plus I payed the total amount. They made me pay a {$1000.00} plus they took my {$400.00} from the secured credit card. Because they did not applied it the bill amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank continuously pushes customers to go paperless on their mortgage accounts. I have had to turn off this feature numerous times and spend countless hours on the phone getting this straightened out. You should be able to review your accounts without being forced into something and then have to spend time reversing it to what you had to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: There were XXXX charges from XXXX that i dispusted on my credit card. 
They should of been credits not debits. 
US Bank ignored my correspondence and failed to provide any evidence to support their reversal of XXXX charges for XXXX & XXXX. I do not have a XXXX account

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 10/25/2017 about Debt collection (Medical debt) with Procollect Services LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am in the process of trying to purchase a home, I spoke with a mortgage representative on XXXX/XXXX/XXXX and they pulled my credit, on XXXX/XXXX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XXXX, I received a notification that Procollect Services Inc. had been added to my credit profile for a collections of {$2500.00} and that the credit file had been opened on XXXX/XXXX/XXXX. Since XXXX XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union, XXXX and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 've made a complaint to the CFPB on company  XXXX   XXXX   XXXX   XXXX   XXXX  complaint number  XXXX  and this response i received response STATUS Company has not responded to your complaint  XX/XX/XXXX   The company has not responded to your complaint.  <P/> We forwarded your complaint to the company, and unfortunately, they have not provided a final response. The CFPB tracks which companies do and do not respond to complaints. We will attempt to contact the company again. We will let you know if the company responds.  <P/> I 've disputed this account with equifax several times I was requesting documentation for them to give me that they had permission to claim these false allegations on my credit file and want it removed if they could not I hold no contract with this company and this company is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with ARC Services (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is now the second time submitting a complaint against this company ARS Prior complaint XXXX STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Written notification about debt We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: I am XXXX and on social security XXXX and trying to correct errors on my credit reports. In XXXX 2011 my son passed away in a very tragic circumstance, Afterwards I lost my employment due to military XXXX, I was forced to voluntarily reposses my recreational vehicle, Wells Fargo Dealer Services accepted vehicle and the repo agent stated under law I would be notified of any sale time and place. I was never notified of the sale of the vehicle, I also believe Wells Fargo violated the law as the sale of the vehicle was not commercially reasonable, therefore any deficiency is illegal, Wells Fargo needs to remove this account from all my credit reports immediately as they have violated repossession state law and The Fair Credit Reporting Act.

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 11/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: Unprecedented case. After 30 years working with Merchant Services, Bank of America, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and " batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Bank of America should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????

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 10/20/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (AZ).
Issue: Deposits and withdrawals

Complaint: rush card, stated that there was computer maintance on XXXX/XXXX/2015. I was unable to withdraw any money from XXXX/XXXX/2015 untill now XXXX/XXXX/2015, and i still can not with draw any money, or even speak to any one at the XXXX XXXX XXXX, customer service number, the web site constantly goes down, and the only way to get any information is to XXXX, i don not tweet, i have to go on the XXXX page of XXXX and rush card to find infromation, but non is helpful. i have told throught face book that they are still woerking to get the problem solved, i also was told to send my social security number, name and adresson open web site and they would contact me, i did not do this, because i have already no acess to XXXX that is still tied up in this transaction. i have borrowed so far XXXX from co workers and getting alittle fed up with the prcoess, and the way this is beeing handled. please assist meThank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I noticed in late XX/XX/XXXX early XX/XX/XXXX a charge for {$420.00} on my account that I thought was a billing error since on or about XX/XX/XXXX I ordered something for {$420.00} from the exact same company. I contacted the credit card company immediately and they told me it was actually another charge, I explained I did not order anything else and disputed the charge. I called back to follow up after the 30 days and was told they credited my account already, I never heard another word until I noticed on my XX/XX/XXXX statement without a letter email any notification that they had charged the {$420.00} back to my account, I again called immediately XX/XX/XXXX when I seen it and spent exactly 1 hour and 5 minutes on the phone after my 3rd transfer with no answers I got someone in the fraud department who also didn't know anything but said he would dispute it again, however 2 days later I got a letter stating I was responsible for the charge with no explanation as to why, I then called again XX/XX/XXXX when I got the letter no one was able to help me and said the investigation was over and I will have to pay for it, but they had no further information as to how the decision was made, I asked for all the documentation on the charge they told me to contact the company that company that charged it on my card, I said I did that but since I had NO information for them to locate the order ( since it wasn't me ) like who ordered it when what it was the name address phone number used they were not able to help me that is when I assumed my cc company would HELP me their customer but I was apparently wrong!

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