milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I have attempted on numerous accusations with Experian and   XXXX   XXXX   XXXX   to dispute a file on my credit report that has been inaccurate for some time now. They suggested I get affidavit which I provided that, as well as a police report ... I sent a affidavit approximately over a month ago and sent ANOTHER ONE and still the credit bureaus nor the creditor has removed the file and I have provided every type of documents needed to prove that the account  XXXX  for  XXXX  is not mine. Its been taking more than 30 days and still no action.
I want to report this matter as in hopes you guys can speed up the process as I am trying to buy a home and its affecting my score.
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Thank you and enjoy your day..

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 12/17/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: I bought my item on the phone through paypal, told me he will deliver it next day. Next day comes tries to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: Ditech set me up on a bi weekly payment plan to help me pay off my loan sooner. I have now found out that they were not applying the first half of my payment until the second half arrived. Thus they were sitting on my payment while my loan was accruing interest. I was lied to about the benifits of the loan an ripped off by this company. Even on my statements it shows amount paid as half but they informed me that is what I paid not what was applied to the loan. This is embezement and I want my money that I am owed. Thanks for your timely response,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a XXXX which was an XXXX. I opened a BUSINESS credit card account with XXXX XXXX XX/XX/XXXX. The business never made much money and I decided to shut the corporation down XX/XX/XXXX. I closed as many credit lines as I could by paying for them out of my personal income. There were XXXX credit lines still open that I could not pay right away until I paid more of my personal debt off to get more cash flow. I will have to pay the accounts eventually from my personal income. However, as soon as the BUSINESS credit card for XXXX XXXX went past due for 60 days, XXXX XXXX reported the NEGATIVE only information to the credit bureaus under my social security number. I have confirmed that the XXXX number for XXXX XXXX is on the account record and is accurate. I was told by XXXX XXXX that their policy is to report ONLY NEGATIVE information under the primary and secondary business owner 's social security numbers as well as the business credit bureaus under the XXXX. I believe this is wrong, unethical and may be illegal. I believe this is an attempt to circumvent the laws governing a separation of personal and business debt. Also, it shows that XXXX XXXX 's intention is to cause harm to the personal financial reputation and not to assist in collecting the debt. The fact that ONLY NEGATIVE information is reported under the owner 's social security number AND to the consumer credit bureaus is vindictive business practices designed to destroy the financial reputation of the business owner instead of the business ' financial reputation instead. All business debt should only be reported to business credit bureaus and completely separated from personal debt. The credit bureaus should not be allowed to report business debt on personal credit reports especially in the case where legal means have been used to isolate business and consumer debt for example in the case of a XXXX etc. XXXX XXXX 's current policies ignore the laws governing the formation of these legal entities under the law. The way I am impacted is that I have lost thousands of dollars in the business failure. By XXXX XXXX damaging an otherwise pristine personal credit record, I am not able to sell my house and get a lower costing mortgage which would help me pay back XXXX, XXXX 's debt. My personal credit bureau scores do n't allow me to re-finance the debt or allow me to maneuver to find a solution to repay the debt. So, in reality, XXXX XXXX 's behavior and policies are damaging to the economy, the banking industry, the mortgage industry, business financing, and shows a vindictive intent to destroy the personal credit of the business owner. This behavior should be outlawed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am writing your agency because I would like assistance disputing charges on my  Citibank Mastercard. I  have been told that I am unable to dispute charges that are over 60 days old but upon research I have discovered that this is not true and I have the right to dispute these btype charges using claims and defenses. Last year I was contacted about and starting an online business and after paying a company by the name of  XXXX   XXXX   XXXX  {$140.00} I found that my phone rang constantly with products and services that I was led to believe were required and I have since discovered were nothing more than a fraudulent scheme. Most of the related charges were posted on my  XXXX   XXXX  and I have been allowed to dispute them. However, the following charges were on my  Citibank MC an d I would like them to also be disputed as such the charges are : A charge to a company by the name of  XXXX   XXXX   XXXX  in the amount of {$2400.00}.  XXXX   XXXX   XXXX   XXXX  in the amount of {$1600.00 } (  in total I paid them {$11000.00}  ).   There is  XXXX  more charge in the amount of {$4800.00} I paid to company by the name of   XXXX    Innovations who has charged me a total of {$8400.00}.     These companies I believe are committing fraud and conspiring to take advantage of people in an online business scheme. All of these charges are related and I have attempted to work out with the companies but have had no success with these in particular. I would like these transactions investigated as I believe that they deceptively sold me their service, in total and they have failed to provide what I was sold.

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 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: RushCard has somehow offloaded all its clients funds to never land! I ca n't access my account. Ca n't get thru to customer service. No explanation from RushCard. I 've called, been hung up on and on hold for a XXXX ... then hung up on again. I do n't know what 's going on, but I want my money! I 'm being told by their app that I have no cash ... when indeed I just got direct deposit which was released to their banks ... no lost ... Help! Only thru XXXX did I figure out what was going on .... I followed RushCard instructions and to no avail ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: received a letter from weltman, Weinberg and reis co, lpa saying they are collecting a debt of XXXX dollars for a company called California check cashing. I have never used this type of business and I have no outstanding collections. I have good credit and pay 100 % of the time. I think this is a scam and I do n't know if I should throw the letter away or not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use

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. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Other fee

Complaint: I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2015 J.P. Morgan Chase withdrew from my checking account {$6600.00}, apparently on IRS behalf. After the internal file went through the complaint department, J.P. Morgan Chase confirms funds wo n't be returned, unless IRS authorized. I have never received any communication from IRS, and after I called them I was told to talk with the bank. As mentioned above, the bank wo n't return me the funds. So I feel abandon and extremely frustrated. The reason why the funds were withdrawn is because XXXX form was incorrectly filled out BY, J.P. Morgan Chase. Moreover, this situation is causing me financial issues as I ca n't afford the bill is committed myself.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: Nationstar Mortgage order of how the documents were put into the record and filed XXXX Appointment of Sub Trustee XXXX Notice of Trustee Sale XXXX Assignment of Deed of Trust ( Should of happened before Notice of Trustee Sale ) XXXX TRO FIled with Court at XXXX XXXX XXXXXXXX  TRO Signed by Judge XXXX XXXX at XXXX XXXX XXXX Bond Paid in Cash {$2000.00} @ XXXX XXXX ( Within 24 hours ) Looks like they did n't have deed when they started Foreclosure. Only recorded on XXXX which is less than 30 days before foreclosure of XXXX and after they started foreclosure. also the bond has to be placed within 24 hours of the TRO. Not before because we dont know the amount to be set at TRO hearing could be 100-10,000 .dollars. So we are all good on that. Then we have the fact that the Lender is the only one who can file the notice to subsitute trustee not servicer or trustee or anyone only true lender. thats three. 

What had happened is NationStar illegally foreclosed on XXXX XXXX, XXXX against a judges order and stole our property then in XXXX of XXXX sold the Note to a third party at a private sale this third party evicted us out of property in XXXX XXXX. We are homeless now. Nationstar violated many statues and stole our house and resold it. we never missed any payments all were paid up until XXXX XXXX when XXXX XXXX XXXX refused our monthly payment because of not owning the note but were taking payments acting as servicer.here is the escrow closing # XXXX and Doc # XXXX the MERS # XXXX Through XXXX XXXX XXXX XXXX was never a MERS Member so I dont know how they can register this to the MERS data base. but its in the Deed of Trust. Loan number XXXX XXXX XXXX XXXX XXXX email. XXXXXXXXXXXX I can provide all documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with Roquemore Holdings LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX has called me repeatedly regarding a family member 's debt ( dates below ). I sent the company a certified letter telling them that the phone numbers they were calling were not the correct numbers for the person whom they were trying to reach and to stop calling, and also to confirm receipt of my letter in writing within two weeks or I would submit complaints to the CFPB and the CA Attorney General 's office. The XXXX record shows the company received my letter but the calls have continued. 

Calls received on : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX ( two calls on this day ) XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (I do not know) with ACE CASH EXPRESS, INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I continue to receive email threatening to notify my employer and of lawsuit for a debt I do not recall ever taking. I am represented by an attorney in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient solutions Reported on My XXXX Credit file that This one Account is Closed With Multiple Late Payments.
They pick up A New Loan in XX/XX/XXXX Which aim current With. They Late Pays On This Closed Account in 2014 should be removed.

Company response to consumer: Closed with explanation