milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: All of my personal information has been stolen from me, every time I dispute the collection agency places it back onto my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX  closed  XXXX  acct & returned equip In  XXXX ,  XXXX   XXXX   XXXX  web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with  XXXX  thru  X/XX/XX . In all communication I maintained that I disputed any amount due  XXXX  as their portal and my accounting indicated otherwise.  XXXX  verbally acknowledged my position and assured me they would reconcile the acct. Never heard from  XXXX  again. In  XXXX   XXXX   XXXX  placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of  XXXX  TX. No supporting documents or debt description was provide d. Southwest Credit failed  to contact me regarding this claim and filed a collection action against me in  XXXX   XXXX  with no phone or written attempt to resolve the already disputed item. I have had good credit for  30+ ye ars and a FICO score in the  XXXX  range. I applied for a mortgage in  XXXX   XXXX  and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of  XXXX  an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all  XXXX  credit agencies,  XXXX   (  ER ticket #  XXXX   ),  online wit h SouthWest Credit ( via  their contact us web form ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking Account under a promotional code that would give me XXXX XXXX XXXX miles once I completed the requirements. Citibank accepted my application so I began using the account. Once I completed the requirements for the promotion, I sent Citibank a secure message in their internal system to confirm I met they requirements. They responded that I did and should expect my miles deposited by XXXX/XXXX/16. We are way past this date and I have still not received the miles in my account. I reached out to Citibank and they told me they are not going to award me the miles saying " I was not targeted for the promotion ''. The problem with this is, they accepted my application with the promotion and their customer service representative confirmed I met the requirements.

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 05-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I received a letter from XXXX XXXX which was an offer to settle my student debt. When I called the given number on the letter they proceeded to transfer my call and then giving me another phone number to call to settle my debt. I do have the letter they mailed to me and my page of notes, numbers and doodles, while trying to settle a debt in good faith. They cashed my check and then sent me a new notice with the balance being what they supposedly had written off to settle. Now they are harassing me again. At the same time as this I paid off my other student loan account as well as numerous other credit cards and doctor bills. I did this in good faith with the people my husband and I owed. I sold off heirlooms and sentimental objects to do this because I was facing XXXX and did not need or want the XXXX of what I owed hanging over me. Please make them stop. XXXX XXXX/Navient/XXXX XXXX and now /something totally new. I did what I could and I have nothing left. They offered a settlement, I took it, now they want more. Help me please. I have had my XXXX and they are bombarding me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company ( BSI Financial ) has not paid our real estate taxes since XXXX of 2015 out of our escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (MN).
Issue: Lost or stolen check

Complaint: XX/XX/XXXX we, wife and myself joint owners of XXXX account for 17 years, purchased Cashiers Check for {$22000.00} at XXXX XXXX branch of WellsFargo ; Mailed to Payee, my 401k plan administrator ; pay-off of the loan balance ; XX/XX/XXXX we submitted Affidavit as to Lost, Destroyed or Stolen Cashiers or Official Check at XXXX XXXX branch Banker 1 stated the sum will be refunded to the checking account 90 days after purchase ( XX/XX/XXXX) XXXX XXXX XXXX 101 days from the Cashiers Check purchase day Met with a Banker at at XXXX XXXX branch, Requested refund of {$22000.00} to the checking account Banker 2 demanded submitting a legal copy of the check as a re-condition to refund. <P/>XX/XX/XXXX 103 days from the Cashiers Check purchase day Payee stated in writing that the Cashiers check was destroyed ; we forwarded the Statement to the Banker 2 ; Requested refund of {$22000.00} to the checking account Payee never cashed the check ; since then - multiple interactions with Customer Care XXXX ; escalated to CASE GMT XXXX at WFB WFB refuses to refund the CASHIER 'S CHECK to our account. since 90-day after XXXX XXXX XXXX Wells Fargo os in breach of UCC and Min. Stat. 336.3-312

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 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The final quarter that I attended XXXX University was XX/XX/XXXX - XX/XX/XXXX. I officially withdrew from the university on XX/XX/XXXX and transferred to XXXX effective XX/XX/XXXX for a XX/XX/XXXX start date ( see attached ). While attending XXXX all of my tuition was paid directly to the institution from XXXX. Although I was no longer enrolled at XXXX for the XX/XX/XXXX session I received a bill for {$6700.00}. I notified them on XX/XX/XXXX that I had withdrawn and was attending another college and was told they would research my account and get back to me. After receiving no correspondence for over 6 months, on XX/XX/XXXX I received another bill for {$6700.00} for XX/XX/XXXX and I responded to them in writing ( see attached ). On XX/XX/XXXX I received and email " demand for payment '' ( see attached ). I then decided to contact XXXX and they confirmed that XXXX had received direct payments from them to cover my tuition while I was in attendance. I continued to try and resolve this issue to no avail and received several notices from XXXX XXXX XXXX stating that my account had been turn over to them and I owed XXXX {$8400.00} for the unpaid tuition for XX/XX/XXXX which was a completely different amount than the bills I received from XXXX for {$6700.00}. I am disputing this because I transferred to XXXX in XXXX and was not enrolled during the XX/XX/XXXX that I am being charged for, and according to XXXX, all of my tuition was paid directly to the institution while I was enrolled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AVANTE (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: When I called to inquire about the  XXXX    XXXX   debt fro m 2012 the indiv idual started asking me questions about the debt. I explained that we paid the  XXXX   XXXX  bill and proved it to the collector years ago, she then hung up the phone on me. Unfortunately it 's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which puts me and millions of other people at risk. According to their XXXX, I am listed as a potential victim. They also did not notify everyone quickly enough about the breach and admitted that they will not notify everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: after living in a complex for 12 years, I made them aware that i was in the process of purchasing a home, i gave the proper notice of intent to vacate. upon doing so at the time i was turning in my keys i asked to do a walk through and gave my forwarding address and at which time the asst mgr stated he didnt have time to do the walk through. after i had moved out a year never received no correspondence pertaining to if any charges, upon checking my credit report after a year, i noticed a charge of XXXX for apt complex, i disputed it with the collection agency as well sent the complex notification and they sent a print out of what they said was owed which drop from XXXX to XXXX i then proceeded to ask what happened to my security deposit that was kept in an intrest bearing account, i asked them to calculate how much interest did it earn and give me a break down of such. after i sent notice to dispute, they contacted my Son sending him the same document with my name on it stating that it was his debt and placed the same amount on his credit report as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Account is still being credit reported after I received letters stating that they would be removed. Also received checks because if a lawsuit for this same thing and its happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing

Complaint: In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. 

In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help 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 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.

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 10/17/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Money was not available when promised

Complaint: On XX/XX/2015 I sent a moneygram of the amount of {$200.00} to an indivdual to XXXX XXXX XXXX XXXX.It was not received when the recipient informed me it was declined by Moneygram.After numerous calls to Moneygram to refund me the $ XXXX.they refused and told me they have to interrogate the recipient! I Also requested a refund on there web site after filling out the form i received a blank page and they. never notified my e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Payroll card) with First Data Corporation (TN).
Issue: Unexpected or other fees

Complaint: On the XXXX of XXXX I call XXXX  XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that XXXX XXXX XXXX XXXX has conducted. I vehemently contest the assertion ( s ) made by XXXX XXXX XXXX XXXX that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that XXXX XXXX XXXX XXXX is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a XXXX XXXX XXXX XXXX has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. XXXX XXXX XXXX XXXX and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX service member, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if XXXX XXXX XXXX XXXX isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my military  career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of XXXX XXXX XXXX XXXX? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: For the past year, I have continuously disputed the referenced account with the three credit bureaus. All medical bills should have been covered by my health insurance at the time. I was receiving medical assistance through the state of Pennsylvania during the DOS. This bill is not my responsibility. I sent several disputes to the agencies and they have failed to provide validation of the debt, the account was removed from two of the credit bureaus but it is still being reported on my XXXX 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 12-03-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: My computer was going crazy with a written and verbal alert of a virus infection. The alert stated that I needed to contact XXXX immediately with the XXXX. I called and a guy presenting himself as a tech offered XXXX service plans to choose from. The plan I chose was {$420.00} for 3yrs. tech. service and lifetime software. Paying by money gram a tech was scheduled that never showed. I called back to complain. At that point I was told the supervisor that the money gram was sent was out on sick leave and that the money had not been received. At that point I told them to cancel the service. the guy who went by the name XXXX told me to keep me a happy customer that they would give me the service free of charge and that the tech would bring my refund in cash as I was given a choice of how I wanted my refund. At that point I was then told to cancel the first money gram and submit another XXXX to another supervisor for same amount and the tech would brig me {$850.00} instead of {$420.00}. This I was told was to establish a log of the transaction of which I refused. This was all because when I returned to XXXX where I 'd purchased the money gram I was told that it had been received. Being uncomfortable with I contacted XXXX by another number and informed that it was a scam and that they do n't conduct business in that manner and they do not send techs to your home. Here are the numbers used by the scammers. XXXX [ tech service ] -- -- XXXX [ billing ] the names are XXXX, XXXX XXXX to whom the money gram was sent in XXXX XXXX XXXX was the person I talked to about the tech not showing up, XXXX XXXX was supervisor in Az. that they wanted me to send the second money gram of {$420.00} and XXXX XXXX was the tech that was suppose to come to my house ; XXXX # XXXX. They even gave a confirmation # XXXX. The real XXXX tech took over two hours to regain control of my computer and over four hours to clean it of the virus they had implanted. In the process they had removed my anti-virus protection. Thanks to XXXX I have my computer back.

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 Experian Information Solutions Inc. (DC).
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: Freezing my credit report should be easier, and free The current situation is absurd

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 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting reporting a taxlien on my report that has been dismissed because it was filed in error by XXXX. This has long been removed from my other XXXX credit reports. I am uploading a document that may better shed light on the account in question. This is my only public record thats is reporting on any of my report 's. Please review the document, investigate, and remove. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation