milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am disputing my Late Payment For XXXX XXXX because XXXX XXXX supposedly late payment was never on my report until i disputed my report regarding my Late Payment in XXXX XXXX. I was n't disputing it was late in XXXX. I recognize this but they went ahead and put more then XXXX payments late which is n't true. I told all XXXX companies I was going to get a Credit Attorney and Sue for not only falsifying information on my report but categorizing as ( XXXX ) payments late, when it never was. If it had been I would 've disputed. I also believe they may have been removed previously but after carefully reviewing I was n't 30 days past due in XXXX XXXX. My payments are DUE on the XXXX of the month and becomes 10 days late on the XXXX. The following month, if not paid by the XXXX or XXXX however 30 days works out then I 'm 30 Days Past Due and I have always manage to pay before then. XXXX also offers me a Skip Payment that 's moved to the end of my loan, whenever there 's a Hardship but they would n't in XXXX ... You can verify this with them ... 

Equifax & XXXX have updated my report as you can see ... ..because they know this was never there and actually took BOTH LATE PAYMENTS OFF ....

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 06/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo Bank failed to fulfill its guarantee to pay any late fees associated with payments sent through their Bill Pay service that are delivered late. 
My mortgage payment was scheduled to be sent on XXXX XXXX, and was guaranteed to be received by XXXX XXXX. It was not received until XXXX XXXX. 
" If Wells Fargo does not properly complete a bill payment on time or in the correct amount, we will pay any late fees or finance charges that you reasonably incurred as a result, provided that your account was in good standing with the payee prior to this incident. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/13/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I have had possession of an American Express gift card which was fraudulently used to make a purchase. Amex treats these cards as cash so basically they were only willing to say " sorry '' and give me the name of the company that processed the transaction. The company, of course, is completely unresponsive. There is no consumer protection for these gift cards and now I have lost that money fraudulently. If the card were truly similar to cash I would have never lost it because it remains in my pocket. There must be a better way for Amex to protect these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with STERLING INFOSYSTEMS INC (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: Made a deposit at a Chase ATM in XXXX AZ on XX/XX/2017. It instructs you to put cash and checks in all together. I did this. {$440.00} in cash and a check for {$500.00} dollars. the screen showed one item not accepted. When the transaction was completed it did not return the check and there was no notation of the check on the receipt. Immediately called Chase. They filed a report, and issued a credit to my account. It is now 13 days and this issue has not been resolved. I have called the number provided twice in the last three ( 3 ) days, same answer, not information available. How is it that a ATM machine can have this type of malfunction and they do not take immediate action. Also told they have no direct contact with whoever is " investigating this. This is a major issue with Chase 's brand new design ATMs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.

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 02/23/2017 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: State employees credit union of NC has an account that 's not mine.

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 04-10-2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Shopping for a loan or lease

Complaint: ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.

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 02/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX 2012 My husband and I take root bankruptcy, and in my credit report that is included in the bankruptcy occurs, I need that remove such information from XXXX, also it appears I started working when I 'm disable and not job.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in XX/XX/2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, XXXX  and Equifax reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in XX/XX/2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing reaffirmed our XXXX mortgage as we entered into Chapter XXXX bankruptcy in XX/XX/XXXX. We made ALL payments required during that time outside of Chapter XXXX. When our Chapter XXXX was concluded and discharged in XX/XX/XXXX, they showed me as discharged in Chapter XXXX with a zero balance, although I still owe {$27000.00} and continue to make monthly payments as of this very day. They continue to report each month that I am charged off and have a zero balance, although I pay each and every month on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Other debt) with Midwest Recovery Systems (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 12/21/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.

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 07/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed several complaints with the CFPB regarding who owns my Mortgage and therefore who has the right to foreclose. Please see Case number : XXXX, Case number : XXXX, Case number : XXXX regarding my previous complaints on this matter. On XXXX/XXXX/2015 I received another letter from Nationstar Mortgage. The letter states that Nationstar may be moving forward with foreclosing on my property. The letter also states " The Foreclosure will be conducted in the name of : XXXX XXXX, XXXX XXXX, AS SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX ( " Noteholder '' ). This seems like another contradiction to the information previously submitted to me by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Prepaid card (ID prepaid card) with CITIBANK, N.A. (OR).
Issue: Fees

Complaint: Well, I called citi on XXXX/XXXX/16 to determine why I was being charged ATM fees despite the information pamphlet that was given to me saying I should not incur fees when using a citi bank atm. I spoke with a woman who said that she agrees that I should not be charged for using a citi bank atm and that perhaps I used an atm outside of their network ; she said she 'll look up the atm to determine if this was the case. She confirmed that it was in fact a citi bank atm and that its odd I was being charged. She said she will escalate this to management but that unfortunately there was n't anyone there that day that could help so I would be contacted back in approximately a week. I had n't heard back from them by XXXX/XXXX/16 so I called back to see what was going on. At that time the gentlemen I spoke with told me the exact opposite of what the lady from the first call said and told me that those fees are n't able to be reversed ; I asked to be escalated to speak with management. I spoke with another gentlemen who said that generally I would not be charged atm fees by using a citi bank atm with a citi bank card however I am a part of a XXXX program which does incur those fees. However the information was not presented in the pamphlet that was given to me with my card, he said that perhaps I received a pamphlet that was intended for another program but that he would do a one time courtesy and reverse those fees. He said I would have to call back on XXXX/XXXX/16 because no one there could reverse those ( it was fairly late in the evening ) and that on XX/XX/XXXX when I called those fees would be reversed. So I called today XXXX/XXXX/16 to have those fees reversed at the gentlemen instructed however the person I spoke with told me that was not true and that she can not refund them. After she pulled the call she agreed he said that however she only refunded the most recent atm fee but that was it. This is not okay because I have had one employee tell me I was right, and that I should n't have been charged since the atm i used was a citibank atm and a manager also tell me that he would reverse the fees on XXXX/XXXX/16. I have reference numbers for the recordings of all three of those calls. The call on ( XXXX/XXXX/16 ) with the woman who told me I should not be charged fees at citibank atms was reference # XXXX. The call with the manager on ( XXXX/XXXX/16 ) was reference # XXXX ; and lastly the call from ( XXXX/XXXX/16 ) today 's reference # was 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 monetary relief