milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2015, I had and unauthorized transaction debited from my account in the amount of {$190.00}. I called the merchant and they advised me that they did not see the transaction in their system. I disputed the transaction the same day Ticket # XXXX, on XXXX/XXXX/2015 I reached out to Rushcard and was advised that I would I to start the process over because they had system problems when I filed my original dispute. 

I again spoke with Rushcard the following week, and they advised my that they spoke with the merchant and was advised that they did not see the transaction in their system. The rushcard agent advised me that even after they spoke with the merchant and was advised that merchant did not see it in there system they still have to investigate the matter. 

I advised Rushcard that they have no right to withhold my funds after communication with the merchant collaborated my statement. 

Ruchcard is in violation of my consumer rights my not returning my funds after the dispute was collaborated by the merchant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Foundation, Inc. (MD).
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 was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 11/27/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: I have been trying to resolve this matter with a loan modification or other loss mitigation options. I submitted a loan modification package and have n't received a response as yet. My home was tied up from a divorce matter and my initial hardship came from an illness that left me physically incapacitated for awhile. I was unemployed for some time as well. I have recovered and can workout this matter. 
In XXXX, my home was damaged significantly from Hurricane Irma and I have a pending Insurance claim that my lender is aware of and I 'm not able to have fair, due process if there 's a pending foreclosure sale date. I also have a pending FEMA application open. I want to resolve my situation, but there are so many inaccuracies with the accounting and even escrow balance/transaction history on my account. I sent out a Qualified Written Request letter and have n't received a response as yet. Their attorneys are n't forthright and I 'm fighting several battles that could be resolved if I can have my lender actively involved with the resolutions. Instead their attorneys are making claims that there is no insurance or FEMA claim open and it was closed out in XXXX-when this is n't true. 
I 'm also fighting against the attorney 's unscrupulous tactics to close a file. This is my homestead. If I could gt the lender involved to engage in the workout/mitigation process then I am sure, we can have a mutual resolve. When there 's a constant sale date rescheduled every 30 days, it 's impossible to have the lender review my paperwork because of their internal procedures and timeline required for the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recieved notice from XXXX XXXX that there was an attempt to open a credit card using my personal information. There is now a hard inquiry on my Transunion report. The bank was XXXX XXXX XXXX FL 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 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
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: I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.

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 01/21/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the XXXX is contacting my family ( father, siblings and my minor daughter ) about a charged off account that is XXXX years old they tell my family that they are serving papers by way of the sherrif dept on me ( they never do ) and when I call them back they wo n't give me a answer on the amount that i owe and they get rude.

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 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

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 04/25/2017 about Debt collection (Other debt) with JNR Adjustment Company, Inc (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We rented a car from  XXXX  via our insurance company. After the rental, I received the bill on  XXXX  which had multiple errors. As per  Fair Credit bi lling act, I responded the company in written mail on  XXXX . But the company failed to acknowledge my letter in 30 days so I also sent email on   XXXX   XXXX   on their email address (  XXXX  XXXX  XXXX  ) which they ignored as well. Now they sent bill to debt collector and they are telling me to pay in 30 days.     Total Amount Charged : {$650.00} Total Paid so far : {$590.00} Amount pending : {$43.00} I sent them following mail : There are 2 errors in this billing :  1  ) {$20.00} amount per day is invalid, when we rented the car on   XXXX   per day rate was {$18.00}. If {$20.00} is valid per day rate, Please send me proof of document which I signed on   XXXX   which says {$20.00} per day.      2 ) Invoice  got invalid time of return, we returned the car in morning around  XXXX  on  XX/XX/2017   , which basically counts to 28 days of rental but they charged for 29 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tried several times to contact the Creditor I have left messages and got nothing but a run around need help thank you this is not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Delinquent account

Complaint: offered opportunity to apply for a Wells Fargo Credit Card. My application was denied by W/F Bank based on incorrect information presented by XXXX Credit Reporting Co. 
W/F Bank they denied card based on 1 ) serious delinquency,2 ) Delinquency time frame too recent or unknown,3 ) Proportion of balances to credit limits is too high on revolving accounts. we have had a W/F Mortgage since XX/XX/2003., and have never been late or untimely with our payments. We recently refinanced our mortgage with W/F and have never, never been untimely with payments. W/F reported to XXXX that we have been late or untimely during the refinance period ... which is not true ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Trouble during payment process

Complaint: Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to  Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be  XXXX   XXXX . At first I saw the amount due for  XXXX   XXXX  would be the usual {$610.00}, but then, somewhere during the interim prior to  XXXX   XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that  one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom  chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead,  Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they  choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant   XXXX    XXXX   XXXX  caused by the stress  Freedom  Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for   XXXX   XXXX   XXXX   resulting in serious medical issues.  XXXX   XXXX  seems to be  XXXX  again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year,  XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until  XXXX   XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the  Accounting/.Finance Dept.  and the person on the other end gave me a blatant NO. I even emailed  XXXX   XXXX  expressing my intent to go into their office in   XXXX   XXXX   NJ to get this all straightened out, yet, NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!

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 10/17/2017 about Mortgage (VA mortgage) with Financial Freedom Mortgage, LLC (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have never done any business with this company, nor have I sought a mortgage with the company. They repeatedly call me on my cell phone and attempt to solicit my business. I have registered my phone on the federal do not call list and asked the company to stop calling me, but that has not helped. The company will call and ask me if I want to apply for a mortgage, when I say no and hang up, the company calls back immediately and tries again.

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 01-03-2018 about Debt collection (Medical debt) with Ray Klein, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX was the name of the original creditor. I paid the copay and insurance covered the remainder of the payment. There is no due balance yet a credit collection agency named XXXX XXXX XXXX is attempting to collect a total balance of {$590.00} as of XXXX 2017. XXXX XXXX has no records of a balance of {$590.00} passed due for me.I have contacted XXXX XXXX XXXX and the company only removed the collection from my XXXX report. I would like this removed from my XXXX and full credit report as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Please be advised last month I mailed Capital One requesting information on my credit card account. Specifically I requested Capital One provide me a full payment history on my account to substantiate the late payments they are falsely reporting to the credit bureaus. On XXXX XXXX, XXXX I received 2 letters from Capital One. One stated that they are REPORTING the account CORRECTLY which is false. The second letter stated that they have included the information I requested ( full payment history of the account to substantiate the false late payment ). THERE WAS NOTHING IN THE ENVELOPE. Capital One is violating federal law by reporting false information and is harming my creditworthiness with their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency.
Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
I checked the site and it indicates that my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Accounts Management, Inc (SD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My wife and I each had a debt to a local hospital. The collection agency combined our debts and our medical information and sent this to each of us. While they are allowed to share medical debt with spouses, they are not allowed to share with spouses the very specific medical information that they sent to each of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need to know that you are really the company I should be dealing with on this debt. 
I do n't want to make a payment to your firm and then find out that I should have paid a different firm, and be sued by them. 
Please provide me with documentation that your firms ' either owns this debt or have authority to collect it, so that I will know that if I make a payment to you, the payment will be going to the proper company. 
I also need to know how you calculated the balance you say is due. 
Please provide me with an itemized breakdown of what you claim that I owe, identifying and explaining any fees, interest or other charges you 've addedIf you provide competent legal information, we may be able to reach a settlement or a payment arrangement. 
All such agreements need to be in writing, have a beginning and ending date with a clear number of payments to reach a settlement in full without additional interest charges or hidden fees, and you must agree not to resell or reassign the subject debt unless I default. 
This agreement needs to be signed by a person in your firm with the appropriate authority. 
I wo n't allow EFT withdrawals, or access to or from my accounts, all monies sent would be certified checks, or money orders. You do not have validation of me, I suggest you delete the Derogatory remarks from all CRA at XXXX. You do not have a contract with me. 
They purchased my personal information, without my authorization. It is being reported on all XXXX CRA reports as a charge off paid in full. The information is damaging. It is report as XXXX XXXX account number XXXX high XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Payday loan, title loan, or personal loan (Title loan) with ALLY FINANCIAL INC. (PA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: In XXXX I brought a car that was financed through Ally Financial. Over the 5 year period I have paid the payments in XXXX XXXX I paid XXXX to pay the car off like Ally said I owed. At the end of XXXX XXXX, my wife and I received the title and we kept the car continued to drivXXXX until on XXXX XXXX, XXXX, Ally had XXXX come and steal our car saying that we owed an additional {$3000.00} for fees, late payments and etc. I immediately called the police and insurance company cause I have a title that shows my vehicle free and clear. In XXXX they told me I owed XXXX on the car. In XXXX XXXX, I paid XXXX, XXXX I paid XXXX and they sent me documents with 3 different amounts on what was still owe I questioned them. In XXXX I paid XXXX and in XXXX after I contacted them to see how much was left they said XXXX. I paid that and I received my title in XXXX XXXX. Now I think it is very unfair that I paid all this money to have my car stolen from and now they are saying they are selling it again to someone else on XXXX XXXX if I do n't give them additional money. Every time you speak to someone at ALLY you get a different story. It does n't make sense to 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