milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: I discussed refinancing my FHA mortgage loan with Quicken loans. I asked what the cost of the loan would be. I told the loan agent that I did not want closing cost of more than {$5000.00}. XXXX XXXX stated that was workable. When I got the loan papers my closing cost were {$20000.00}. {$11000.00} was loan origination point. She never stated there was a point. I asked her what her fees were I believe it was {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Cornerstone Holdings, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO  INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following information XXXX XXXX is reporting on my credit report is false and inaccurate. 

1. TransUnion is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My XXXX XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. TransUnion is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. TransUnion is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in XXXX XXXX Bankruptcy. TransUnion must only report the current condition of the account.

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 05-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: MCM purchased debts fro m    XXXX   XXXX   XXXX   which in   XXXX   both debts were disputed for Fraud, a relative of my husband opened them without my permission. MCM bought the debts in  XXXX  and I have disputed both accounts .I provided MCM a FTC Identity Theft Report and requested them to dispute the accounts through   XXXX   XXXX     .
I am a victim of Ident  ity Theft, this debts are not mine!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I  have an account through synchrony bank for a credit card for Mens Warehouse. The issue is with synchrony. They have intentionally made it nearly impossible to pay on their account. The website to make payments on is a random series of letters and numbers, which no one could ever guess. Of course, no one at the company knows the name of the website either ( it is NOT synchrony.com or menswarehouse.com where you pay ). After weeks of fighting with them to figure out where to pay, you then can not access your account without the account number. Want to know what it is? They will not tell you. They claim their rules prevent it. They will tell you to log into your account and check your statement. Of course, you ca n't log in without your account number to view the statement with your account number, so good luck with that. They offer to send e-bills, but of course they do n't include the full account number so you still ca n't log in. After not being able to pay for 3 months, and having 3 late fees added to my account and interest, someone from their collections called to ask why I was not paying. I told them, and they told me my account number. I mean, seriously? They could n't have told me one of the other dozen times I called them? But wait, that still did n't work. The account number is 16 digits, but the system only accepts 11 digit numbers. Of course, everyone at synchrony claimed to not be able to help with that either. I finally called their fraud department ( I was just calling everyone at this point because I was desperate to get a delinquent account off my credit report ), and they told me they had heard of this before, and to try the last 11 digits of the 16 digit account number. I was finally able to access my account and make a payment. Now, I have three late fees on my account, and they agreed to take off one ( how nice of them after giving me the run around for three months to agree to only rip me off twice instead of three times ). This is obviously being done on purpose. No one is this dumb.  They could tell you the website to pay on but do n't. They could tell you your account number, but do n't. They could tell you which  11  digits of that number the website is looking for, but they do n't. They could take your payment by phone, but want to charge you an extra fee for that. They have intentionally made it impossible to pay in order to rack up late fees and interest charges. Please stop these scam artists.

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was charged an annual fee of {$190.00} on XX/XX/XXXX by American Express but they gave me a credit of {$200.00} on XX/XX/XXXX. When I called and asked about {$200.00}, a representative told me that it 's a special credit on the anniversary of the card. I told the rep. that I was going to cancel the card to avoid the annual fee but since I got {$200.00}, I am going to keep the card. 

However, I noticed {$200.00} credit reversal on the XX/XX/XXXX on the statement that ended onXX/XX/XXXX, and used the customer chat feature to inquire about that on XX/XX/XXXX. I was told that it was an error that I got {$200.00} so they took it back. I repeatly explained to them that I would have cancelled the card if it was n't for the {$200.00} and asked for the refund on the annual fee but they told me that they ca n't because 30 days has been passed. One rep finally submitted a claim for me on XX/XX/XXXX but told me that it might take up to 30 days and I am the one responsible to call back from time to time to check on the status of the claim. 

I feel like the company tricked me to stay with them and pay the annual fee of {$190.00} by offering {$200.00} credit, only to take it back a month later, when it was too lake for me to act on it to get my annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Payday loan) with Direct Capital (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with REGIONS FINANCIAL CORPORATION (NC).
Issue: Late fee

Complaint: BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested a dispute on a particular account on XXXX XXXX 2016 with TransUnion credit reporting agency I faxed in proof of my payment history to verify I was not late on a payment XX/XX/2016 or ever late on a payment with that company. this information was faxed in and I have the confirmation dated XX/XX/2016 at XXXX. TransUnion sent me a letter dated XX/XX/2016 that states the results were verified no change, they sent another letter dated XX/XX/2016 that said the same thing. This is incorrect I 've spoken with the account holder directly and they have confirmed a mistake was made when the location that managed my account closed and they moved all files to another location, they stated to me that the information has been updated in their record however this particular company has not reported to TransUnion since XX/XX/2016 therefore my credit report still shows a delinquent payment from XX/XX/2016 and it also still shows a balance that 's {$400.00} more than what I actually owe.

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To who m it may concerns, I have  XXXX  public judgments on my credit report that have been satisfied and release but Experian h as refused to remove them from my credit report.   I have called them in vain. I have also disputed these  XXXX  public judgments in vain. I have provided all documents and it is still not removed. These  XXXX  judgments have also been on my credit report for more than 7 years showing release and satisfied but still not removed from my credit report.   Here are the reference #  XXXX  and reference #  XXXX .     There are also others collection accounts collection that have been satisfied with a  XXXX  balance that are just sitting there and not being deleted. Some of them were even deleted before and added back. I can not get any help from Experian and this is now affecting me financially.

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 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do not know who opened the profile for me, and the hospital 's I went to said that they would not charge me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. 

The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: recieved a letter from transworld systems saying i owed {$110.00}. i decided to pay as our holiday insurance didnt cover the full debt. there was no e-mail or online payment so i had to send a cheque which i sent recorder delivery on that day. 
they recieved the cheque a few weeks later ( posted from the XXXX to usa ). they as yet havent cashed the cheque but i have since recieved a further 6 letters demanding the money that i have already sent. 
i have emailed them ( found this information on their website ) 4 times, written to them a further 2 times but they do not reply to anything ... .i just recieve more threatening letters. 

i have sent the cheque they requested, written to them and sent e-mails but they still keep writing to me demanding i pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.

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 03/20/2015 about Debt collection (I do not know) with CITIBANK, N.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

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