milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report and noticed that this company has reported that I owe them money and to best of my knowledge I have never received any service from them nor have I signed a contract stating I would. I was not afforded with challenging or disputing the debt in accordance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I never received documentation regarding this debt from Hunter Warfield. Upon noticing they were reporting on my credit report I called to ask to verify the account information. The collection agent verbally told me about charges that do not belong to me. After stating that the charges did not belong to me I requested the account information to be sent to me to verify the debt ( this was a verbal request ). I never received documentation I requested. I contacted a lawyer for assistance, my Lawyer sent out a letter disputing the charges with an offer that I provided in lieu of removal. The letter was sent XX/XX/2018. I have not received any information regarding this account to verify the false debt. I check my mail daily for this information. Although, I disputed the inaccurate information being reported on my credit report for a debt I do not owe, the company continues to report this on my credit reports which is against the law. I request immediate removal from my credit report for proving inaccurate information that is stopping me from gaining approval on credit applications.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XX/XX/XXXX Pressler & Pressler LLP address XXXX XXXX XXXX XXXX, new jersey XXXX Phone number XXXX, filed case against me case number XXXX XXXX in XXXX county on behalf of XXXX XXXX, address XXXX XXXX XXXX XXXX OH XXXX phone number XXXX, which was dismissed on XX/XX/XXXX but till today 's date XX/XX/XXXX there is a judgement showing on my credit report by XXXX when I call XXXX they told me to call Pressler & Pressler. when I call pressler & pressler they told me that they have nothing to do with this case. I have to call XXXX  so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me pressler & pressler they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( XXXX XXXX ) records but my XXXX credit report showing that pressler check my report on XX/XX/XXXX I have the proof if u want I can submit them to I think this is a fraud.
XXXX XXXX  this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix 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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Auto debt) with CREDIT CONCEPTS, INC. (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. 

I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian They sent me a report and reposted Items they removed the XXXX XXXX bank account they do this over and over it takes me months to remove and they put it back on Please have items removed and not reposted over and over.

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 09/20/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VT).
Issue: Loan modification,collection,foreclosure

Complaint: Had FHA loan with Chase, had financial hardship, asked Chase for help, instead of help they did loan modification over phone my payment went from {$960.00} up to over {$1600.00} / month, when behind in payment they put escrow into separate account that was like a Credit Card ( you 'll never get it paid off ), worked with XXXX VT to get a modification during which Chase caused many problems, had more financial problems and house was going into foreclosure?, XXXX XXXX XXXX contacted me saying they owned loan, called XXXX who sent me to a case worker, worked with caseworker and XXXX to get modification, XXXX said I did n't qaulify, caseworker said my numbers said I do qualify, got nervous and called XXXX again and they said XXXX is NOT on my file a company called XXXX was servicing loan, called XXXX and left message got no response, called VT XXXX who sent me to Banking and Insurance who then sent me to YOU, XXXX said neither XXXX OR XXXX are LICENSED IN VT and that is why they sent me to YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Now that XXXX has let my personal info out, I went to freeze my credit with the credit bureaus. XXXX and TransUnion are chaging me {$11.00} and {$10.00}, respectively. This is outrageous! And I will need to pay this every time I want XXXX of their customers to use their credit file to decision me. TransUnion even has a waiting period for the unlock to occur! This is unacceptable. I am not going to pay $ XXXX to apply for credit. 
This should be a free service that is paid for by the credit bureaus as a collective. They should be required to develop an app for phones so consumers can quickly and easily unlock credit files or individual companies or all three.

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 03-07-2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I had XXXX points available from American Express. Every XXXX points equals XXXX dollar. Thus, I had {$120.00}. American Express confirmed that I could use those points towards purchases to pay the balance on the account. The account had a {$XXXX} balance. I had purchased {$100.00} in XXXX items, shoes and a book. The shoe company gave me a {$15.00}. Ultimately, I had a balance of {$88.00}. It was a circus to use these points ; after a frustrating day of repeated phone calls, I was total that I was being given an extra XXXX for my inconvenience, which would bring my balance to XXXX, XXXX points ( {$170.00} ), and that XXXX points would be used to bring the account to {$XXXX}. That would mean that I have XXXX points left. American Express then sent me a bill for {$26.00} and stated that I had XXXX points left. I tried to address this with the Better Business Bureau ; American Express has tried to circumvent the process and sent me a letter received last week which gave an illogical explanation of the bill, especially in light of the statement copies provided. I was contacted by XXXX of American Express, who stated that I made an inquiry. After explaining this to him four times, it was clear that his call was not to resolve the issue, but rather to paper the file, so to speak. His number is XXXX, Extension XXXX. American Express sent me an e-mail reminding of credit reporting for unpaid balances ; since I pay my balance regularly, I see this an intimidation tactic and I informed American Express to have their attorney contact me, which XXXX refused this request. I believe that this is a regular business practice of American Express and that there should be an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Transunion was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

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 12-01-2016 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received an alert from my credit protection account that XXXX collections account were posted on my account from Midwest Recovery Systems with the original creditor being XXXX XXXX. The information on both collections account was the same and reflecting I owed the amount of $ XXXXfor each collection account. The only difference was the account numbers had a different last digit number. I have never done business nor heard of a company called XXXX XXXX. The collection agency ( Midwest Recovery Systems ) have never contacted me regarding this debt and gave me a chance to dispute it within the 30 days. I just woke up XXXX morning and XXXX collection accounts were there. Four days later after they added these collection accounts to all XXXX credit bureaus, I received another alert stating that my information was found through the XXXX XXXX and was possibly sold. I have an identity theft report and have disputed this with all XXXX credit bureaus. I have also filed a complaint with the XXXX in which I saw this company has had over XXXX complaints with the same issue that they were not notifying people of collection accounts and just placing these fraud accounts on their credit. I decided to report them as well to the Consumer Financial Protection Bureau because it seems this collection agency are not conducting business legally and just placing false collection accounts on consumer 's credit report without allowing the information to be verified or the consumer a chance to dispute it. I am in the process of purchasing a home and this has majorly impacted my credit where I can not obtain a home. I do n't want this to happen to another XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In XXXX 2016 I received a bill from Toyota Financial Services ( TFS ) for the amount of {$450.00} for excessive miles and dispositions fee ; I called TFS and explains to them i m entered in to a new contract with them on XX/XX/2016 with a new XXXX XXXX XXXX, Also a call the dealer and they give me two  confirmations numbers for the payment that they made to TFS confirmations # XXXX Costumer last name XXXX, costumer vin ( last seven digit ) XXXX. Also another confirmation number # XXXX Costumer last name XXXX Vin # ( last seven digit ) XXXX I call several times to TFS i got call records date and name with the person i spoke to but they never do nothing now the send me to the collection agency and affecting my credit a lot of inconvenience to me receiving call and letter like i was delinquency. i got my proof of payment i made the calls that a have to do and now i m affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Other type of mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Closing on a mortgage

Complaint: We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I wasted my time and money attending the Art Institute. I am now unemployed and financially ruined. When I first attended I was enrolled in an XXXX month program which I later found out from an instructor that it would not help me qualify for a job in the field that AI advertised the program as so I withdrew. Years later I decided to try school again but this time I enrolled in the online XXXX program at the Art Institute only to find out that the students that had already graduated have no chance at employment with a degree from the Art Institute and that the school was in trouble for the scam they were running. I have since tried to withdraw from the school but their academic counselor treated me horribly for doing so. She also never withdrew me from classes during the first week of the quarter when she was supposed to so now I have to pay for another quarter because she simply wo n't let me withdraw. I 'm currently getting the run around via phone and do n't know what else to do besides continue to try to withdraw and write reviews to warn others about the underhanded tactics of this scam called an Art Institute. I have been ripped off by the Art Institute. They are stealing my student loan money and lying about how much I take out. The tuition and loan amounts dont add up. Something fraudulent is happening here. I have also tried to withdraw and was told that they withdrew me from school but I am still receiving emails from my instructors telling me that its not too late to turn in late assignments so I logged in and saw that I was lied to about being withdrawn so my GPA has tanked and I 'm being charged for classes even after withdrawing. I have talked to other current and former students of the school who are experiencing the exact same thing. This is a scam and needs to be stopped before it ruins more students financial lives. more information can be found at these links. This is another student who experienced the same EXACT thing I am currently going through. They are also switching my financial record around so much that I cant keep track of what I owe for what. XXXX Here are more testimonials from other students who have also been cheated out of education, time and money XXXX and finally, here 's a XXXX group of students who are fighting back that I am currently a part of XXXX Please help us!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation