milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collections agency, CMI-Credit Management LP, is trying to collect for a bill I do not recognize. They purchased this from XXXX after I closed an Internet service account. XXXX claims I had a cable modem that was theirs. 

This is false. Prior to XXXX 's acquisition of XXXX XXXX, I purchased my own modem to receive an upgraded XXXX service ( and avoid modem rental fee ). Upon the acquisition, I some how ended up in their system as a modem/router rental account. I had to dispute, on a couple of occasions, a " Wifi service fee '' that XXXX never provided ( I owned both the modem and router ). My guess is I was still marked as owning equipment in their accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my numerous requests to investigate and remove accounts and inquiries from my credit report that were fraudulently opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed several unauthorized inquiries being reported on my Equifax credit report on XXXX XXXX 2015. The response received from Equifax on the very same day XXXX, XXXX 2015 was " Inquiries are a factual record of file access ''. No investigation with the source was even attempted regarding the unauthorized inquires. 

Equifax must reinvestigate ANY dispute under XXXX ( a ) ( XXXX ) ( A ) : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXXi ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (OH).
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: My computer was hacked by a company called  XXXX   XXXX   XXXX , by a man named  XXXX   XXXX . He then sucked me into a banking scam that resulted in him ( and/or his company ) transferring a cash withdrawal fro m one of my Fifth Third cre dit cards in the amount of {$7000.00 } (   one tr ansfer for {$2000.00} and a second transfer for {$5000.00}  )  into my checking account and then stole it. I filed a complain with the  Fifth Third fr aud department but got a letter back from them saying they had " conclusive evidence that I had made the  cash advance '' and that they only investigate internal fraud, not anything external. This came after I tried explaining the the gentleman from the Fifth Third  fraud dept. what had happened, but he told me he had enough information and they " would bet back with me ''. I assumed that meant they would get in touch with me for a more detailed explanation of what happened and how I got scammed, but it did not. They simply made their decision based on partial information and did not seem concerned with the entire story. I have since reported my fraud complaint to the FBI  Internet Crime Complaint Center ( IC3  ), but have not heard anything back from them yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SD).
Issue: Fraud or scam

Complaint: paypal changed my account form regular paypal to paypal credit without myapplying for credit, then failed to send accurate statements so I did n't know I owedanything until fees started to add up..with XXXX dollars of purchases the bill isXXXXXXXX in 5 months ... when I called to complain I got the run around.. no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.
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Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.
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I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Credit card () with DISCOVER BANK (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Discover on XX/XX/2015, I advised Discover that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Discover are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Discover company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Discover are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Discover fail to respond in writing, signed by hand, in a timely manner, I will assume that Discover are in error and this matter will be challenged. As Discover further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Discover claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XXXX, Discover have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My home is scheduled for foreclosure on XXXX XXXX, 2016, tomorrow, so not expecting that anything at this late date can be done, but it would be nice. I was told the only way to stop the foreclosure was to pay an amount to reinstate the mortgage. The problem with this is as of today, I have not been given the exact amount to reinstate and this has gone on for over a week! Citimotgage has not been able to give me the exact amount nor has the attorney handling the foreclosure, XXXX XXXX XXXX. How am I to get the money together from my XXXX and a relative to reinstate my mortgage and stop the foreclosure if you ca n't quote me the amount due! How is that fair and how am I being held accountable for this illusive amount. They have had me calling back and forth between the XXXX, wasting time and precious days needed to get funds from XXXX, papers have to be signed, a letter from CitiMortgage is needed to process the request, which takes a couple of days, needless to say I am highly upset!! They have on purpose, in my opinion, allowed this to drag out, so I could not do anything or get anything accomplished in time. I literally have some of the funds just sitting in my XXXX, waiting to be accessed, but I was n't allowed to move forward, because of the run around and the refusal by XXXX to write a letter stating they would be willing to take the amount I have, a partial payment, along with money from a relative. I was not allowed to speak to a home specialist, about my modification, because it was too close to the foreclosure date. not sure what can be done, but I think it is important that you know and others how I have been treated. My problems with CitiMortgage have been on going, previous case # XXXX, I have tried to get them to lower my payments so I could actually make payments on time, I feel they have price gauged me!! My payments have consistently gone up from XXXX, to XXXX, now it is at XXXX, I tried to include them in a bankruptcy case, but they wanted the XXXX monthly payment, plus another {$400.00} deducted from my paycheck, this is what I have been dealing with! I am at my wits end and it maybe time to move on, although I am literally being push out. My son is at the local high school, he is a junior I would at least like to be allowed to stay until the end of the school year. Please, help if you can?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KS).
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint: I was supposed to receive a direct deposit for excess Financial Aid funds. XXXX XXXX told me the refund amount was too much {$16000.00} over their XXXX so I would need to send documentation proof of the deposit reason. I sent all paperwork from my college to them and was told to expect something in 6 business hours. I called back 6 hours later and was told they attempted to call the school for verification but the school was now closed so they could not do anything. I then asked to speak to a supervisor who ensured me the documentation I sent was good and I would receive my direct deposit by XXXX. I called back at XXXX and was given a different answer, that the direct deposit department was gone and attempted to call the college but it was closed so they would need to verify tomorrow. I should not have to go through this much to get my own funds!

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 06-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: XX/XX/2014, I booked flights with XXXX XXXX for XXXX people to XXXX XXXX and also bought show tickets. It was all under a XXXX vacation promotion with Chase Bank. I decided to purchase the Travel Protection Coverage in case of an emergency. Turns out I had to cancel the trip so I called Chase Bank around XXXX XXXX to cancel the trip and get reimbursed for the show tickets and flight. I would get all I paid back except the " protection fee. '' The Chase rep was very nice and said she would take care of it. I got a refund for the show tickets on XXXX XXXX, but not for the flight. No one called me or let me know that the Chase policy is to call XXXX a couple of times and if they do not answer then they stop trying. I was changing jobs and did not notice the {$1000.00} was not credited to my account. Months went by and I happened to check my balance and it had not been paid off with my monthly payments. My fees should only have been about {$200.00}. I called Chase Bank and the rep confirmed I had not been credited a refund but that I had to fill out a claim form and show " proof '' of the transaction even though they had the proof. I filled out the form, signed and returned it with my current phone number. A week or so later I get the same claim form to fill out again. I called Chase again and was told someone tried to call me but I did not answer so they closed the case. They called the number in their system and not the number I provided on their form. I get disconnected and had to call back. A different rep said it was true I had not received a credit and he called XXXX. XXXX did not answer so the rep said there was nothing he could do and I had to fill out another form. I was switched to a supervisor XXXX who was very lecturing and annoyed and told me nothing could be done until I filled out another claim form and told me I needed to provide a lot more information than was on their form. She said if they dropped the ball in not contacting XXXX I still had to pay because it took me too long to " notice '' due to their XXXX day policy. XXXX was only interested in getting me off the phone and not resolving the problem. The Protection service does not work. Their claim system is broken and they do n't care. The policies are for the convenience of Chase Bank and not the customer. They go through the motions of talking to customers and being courteous but leave the customer holding the bag. There is no way to tell how many customers have been overbilled due to their so called " protection benefit '' and when they call in, they are made to jump through so many hoops, they either give up or are not helped so Chase keeps their money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XX/XX/XXXX, received yet another notice as well as many telephone calls over the past months, XXXX continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XX/XX/XXXX.XXXX -Called the XXXX number and spoke with XXXX at XXXX stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Through multiple requests it is nearly impossible to get a mortgage payoff statement from Seterus in order to close on the sale of my home. I requested 2 months in advance and again a week before.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: In XXXX XXXX I was served at my home for a medical debt that belongs to my daughter when she was a minor which was XXXX, she is now currently serving in the XXXX XXXX. This paperwork of debt owed from CMRE was the first I had heard of this. When speaking with the representative the address they had stated they served me at was an address that I have not lived in since XXXX. Is this where my statements were going? I have told this company the amount to pay is to high. It has jumped from {$1700.00} to over {$3700.00} with what they claim are attorney fees. I have asked numerous times for an itemzed statement of what I am paying for and have now been told it is not mandatory and that I should be getting that through the courts. She did say she would send me one as a one time thing ( WHAT??!?! ) Is it hard to provide this? I have never heard os such a thing. I am on a payment arrangement in the amount of $ XXXX for THREE years ... yes THREE. Its a payment arrangement they set me up for to default. I ask can I pay online ( no ), I need to call in and speak to one of them to make sure the payment clears. I have asked if can be auto-drafted ( also no ). So you want me to remember to call you every month for three years??? No this is them setting me up to default and garnish my wages. I was also told on XX/XX/XXXX, when I called and made a payment that if I did not sign the papers from the attorney of this arrangement that they would consider it not an arrangement and would begin judgement and I should receive them in three days. This is an absolute set up for default and I am about to file a suit on them. They 're saying if I dont sign the paper after I already called and made an arrangement and made payment that they will start a judgement?!!?! Here it is XX/XX/XXXX, and no papers have been sent to me. I am a single mother and have told them this is not feasible. I can not afford for fee 's on top of fees to be added. I was not notified prior to this. I am in a nightmare. Please help, they are refusing to help me. I need fee 's removed and an arrangement I can afford for exactly what I owe. Please please help

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Consumer Loan (Vehicle loan) with U.S. Auto Credit Corporation (VA).
Issue: Problems when you are unable to pay

Complaint: Account was sold and still being reported as a charge off on my credit report. It is still showing on 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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since XX/XX/XXXX Chase has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! XXXX has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have  filed a FCRA Federal Case against Chase and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX Chase left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX Chase has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT CHASE TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge. 

Thank you

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