milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with Mediation Recovery Center (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After being notified that I " may have been effected by the data breach '', I mailed a dispute letter to Equifax for proof of the inquiries that are listed on my credit report. Equifax responded by telling me that inquiries are to stay on my report for 2 years. 

This is unfair and incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My capital one account shows a 30 days past due balance since XXXX 2012, and I have spoken to the company, disputed it numerous of time and not thus far. So I decided to cancel the credit card, mind you I had 3 credit cards with Capital One for many years and always paid on time or very early and they still refused to correct this error. Can you please help me. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: MySynchorny offers no interest credit but the statements are misleading in the minimum amount due claim. Only after pressing an online rep in a chat was I able to get accurate information. I have a transcript of the chat.

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 07-10-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Delinquent account

Complaint: Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously requested that the charge-off accounts on my Equifax Credit Report from XXXX XXXX XXXX XXXX to be removed and blocked and or deleted because the account was opened fraudulently. Equifax has stated that XXXX XXXX XXXX XXXX has verified that the account is mine and it belongs to me. I have the email directly from XXXX XXXX XXXX XXXX and his name is XXXX XXXX stating on Friday XXXX/XXXX/XXXX that he has requested that the items are to be deleted from my credit report. But, Equifax as of Monday XXXX/XXXX/XXXX states that they verified that the accounts are mine and there should be no deletion. Once again Equifax continues to report information on my credit report that it should n't which is a direct and blatant violation of my rights. This information has been hendering my credit and I have been penalized over and over because the information that they are reporting is wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.

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 01-02-2018 about Checking or savings account (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I 'm unable to get up to date information on transactions from either the automated or phone teller on my checking account. This has resulted in my having to pay returned check fees because XXXX XXXX XXXX ca n't provide me with the information on checks cashed or processed electronically more than 25 days after the transaction via the automated system or banking tellers. The automated bank phone system is extremely disorganized I go through the entire prompt system still am unable to find out when the sent my payments or transactions were process till more than a month later. When I call in XX/XX/XXXX and XX/XX/XXXX to address this matter I was not given a straight answer on my account and why there system is not up to date. The XXXX XXXX teller just blamed four different merchants I sent payment to for them not being able to provide me with the most current information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX. I request to receive a comprehensive report of all updated verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XX/XX/XXXX I reported a {$280.00} airline ticket fraud on my Citicard ending XXXX. It was reversed and new card ending XXXX was issued. Within 1 week there was a second XX/XX/2017 fraud charge on card ending XXXX, for XXXX XXXX TN in the amount of {$350.00}. I reported the XXXX XXXX fraud and was told it would be reversed and I did n't need a new card. It was not reversed. I called. 2d time and was again told it would be reversed. I viewed my on line account on XX/XX/XXXX and learned that the {$350.00} XXXX XXXX fraud charge had not been reversed. Instead, Citi had submitted a dispute for a XX/XX/XXXX charge of {$300.00} to XXXX XXXX XXXX, a valid charge. Seemingly Citi confused the {$350.00} XXXX XXXX fraud charge with the valid {$300.00} XXXX XXXX charge because both were XXXX. I spent an hour on the phone with 3 Citi agents to reverse the fraud charge and assure the valid charge was not disputed. Today XX/XX/XXXX I received a form letter in which Citi indicated the incorrect dispute was my fault, and referencing credit reporting agencies. This was entirely Citis mistake. Citi has potentially caused my XXXX XXXX reservation to be cancelled. Citi has not given the actual facts as they occurred any real attention, and has yet to reverse the XXXX XXXX fraud charge. I would like someone from Citi to fix XXXX mistake. I would like an actual response that is not a form letter. I would like an apology. I would like verification that Citi has not caused XXXX XXXX to cancel my reservation. I would like Citi to reverse the XXXX XXXX fraud charge.

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 06-12-2015 about Debt collection (Credit card) with Innovative Collections, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Innovative XXXX XXXX has contacted me on a credit card debt in which they are trying to collect. I have received multiple calls from this company in which they state my name, my mailing address and advise that they are sending out immediate paper from the court county clerks office, If I dont answer the phone they contact relatives and if no answer this is a message that they leave on the answering machine services, they never disclose who they are when they call and they just repeatedly harass me over a debt that is past the 4 year statute of limitations in the state of california, I was able to locate who this company was by reverse look up of the phone number. I have never received any written correspondence from this company just harrasing phone calls. Everytime I speak with these individuals they say somethings coming and nothing ever does just using tactics to scare me.

Company response to consumer: Untimely response
Consumer complaint received 01/16/2016 about Prepaid card (ID prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Managing, opening, or closing account

Complaint: On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my free report online from Transunion and XXXX and they say that my report is undeliverable online. I then wrote letters to both credit reporting agencies requesting my free annual report and have not received it. I included copies of my drivers license, passport, several documents documenting my current address.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THI IS NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with BB&T CORPORATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Branch Banking & Trust Company is my client 's lender. I am a XXXX XXXX. They requested more document 's without on XX/XX/XXXX XXXX and Denied him XX/XX/XXXX XXXX, less than 24 hours. I received the document 's later that afternoon. The document outstanding was for food stamps transactions. We provided them information of the account being an open status and that was insufficient. Homeowner is not computer literate and we struggled to get the statements as we could n't reset the password during our appointments because he did not have a smart phone we had to wait for his daughter to access his email after school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Problems when you are unable to pay

Complaint: The finance company has left messages for one of my references giving detail XXXX what the call was about. And left a voice mail at my phone # giving VERY specic details, amounts, dates concerning my account information. I work collections and these specific details, Im told are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with DISCOVER BANK (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please see attached document dated Sunday, XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a XXXX deploying soon. I want to purchase my house before I go. I checked my credit report and discovered a collection for {$1000.00} listed by XXXX XXXX XXXX ( XXXX in XXXX, FL ). I contacted them and they were very rude and hateful. I asked for the CEOs name ; I was refused. I asked for a fax number was refused. I then contacted the hospital, XXXX XXXX in XXXX XXXX, WV and they have been helping me to figure this out. I called my insurance from the debt ( an ER visit in XX/XX/2015 ), who was XXXX ( XXXX XXXX XXXX XXXX ). They said they had paid the hospital, paid for my XXXX and every bill submitted. Not once did they receive a bill from the physician. I did a lot of leg work and phone calls and found out that the physicians group, XXXX XXXX XXXX XXXX, had billed XXXX and not XXXX. THAT was why they did not get a payment. So instead of XXXX contacting me, they turned me over to XXXX collections. I admittedly have not checked my credit the past two years so I was unaware of this false listing. It is not my fault the wrong insurance was billed. It is not my fault ARS refuses to let me provide them a letter from the Governor of WV stating I had XXXX  coverage then. It is not my fault they will not send a bill to XXXX, who says they will immediately pay and end this matter. NO, XXXX is a hateful F rated company who enjoys making others suffer. I feel this needs to be off my credit reports immediately. I have filed a complaint with the Federal Trade Commission and am considering legal action. I was told as soon as this debt is off my report, I get my loan. I have pleaded and begged ... no more! I am tired of being talked to like a dog and no cooperation. I was even told by a XXXX XXXX that only the physician could remove the debt. I have recently discovered she is not even in the US anymore. So how are they being fair? Enough!

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 10/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: ON XXXX/XXXX/2014 BARCLAYCARD MADE HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT AND I HAVE WROTE THEM TO GET IT REMOVED BUT THEY HAVE FAILED TO DO SO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX ( approx ) I received a modification approval from Ocwen for our mortgage. On XX/XX/XXXX ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my XXXX payment so that it would not be late due to the bank holiday. On XX/XX/XXXX we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On XX/XX/XXXX I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on XX/XX/XXXX and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in XXXX days. I gave it till XX/XX/XXXX and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it XXXX more days. So again I wait for the paperwork and again nothing, call them again on XXXX. This time told its still in review and nothing has been done. I will get a call by the end of the day. No call but I get an email stating that the denial was reversed, but they are still reviewing to see if they can give me a mod. I dont understand, because the mod was done and approved, but they screwed it up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with Michael Harrison, Attorney at Law (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this debt that I have no knowledge of. I have submitted a police report to let creditor know that my information was compromised. This collection office has not validated this debt which is a violation of the FCRA and my rights as a consumer. They continue to report this inaccurate information which has resulted in denial for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: it is a  XXXX   bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave  XXXX  a  one  month notice that I was canceling my services and now my  credit score is d amamged because of this fake bill and collections threats from afni collection company docket number #  XXXX  please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from  XXXX  ..cable company

Company response to consumer: Closed with explanation