milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Professional Finance Company, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I apparently had a balance on a medical service that I recieved from  XXXX   XXXX  Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have  XXXX   XXXX  on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called  Professional Finance Company.  Right away they said this was an attempt to collect a debit. I ask was debit they said it was from  XXXX   XXXX  Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the  Professional Finance Company to  pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I applied for a Macy 's credit card and used it to buy some chairs. The chairs were defective and I returned them with Macy 's approval. It took Macy 's a long time to apply the return credit to my card. They charged me late fees and then reported me as late pay on my credit report. I just got denied on a mortgage loan application because of this. 
The " lost money '' amount reflects the higher interest rate I will be charged on a mortgage loan because of this.

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 04/24/2017 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act.     After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Credit Bureau  Systems Inc.      Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA )  to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that th e HIPAA d oes allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Credit Bureau  System Inc need s to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA com pliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Dates :  XXXX  amount {$170.00}  XXXX / XXXX /  XXXX   amount {$860.00}  XXXX / XXXX /  XXXX   amount {$130.00}  XXXX / XXXX /  XXXX   amount {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple inquiries on my report all dated XX/XX/XXXX, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

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 09-05-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NE).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I called Wells Fargo IRA Customer line and was looking into what was needed to withdraw funds from this account as I was in a situation where I needed the funds as soon as possible. I was told there was a hold on my account and I needed to fill out a CIP form. The rep told me that it would take 2-3 business days, but once I filled out the form and emailed it back to her I should call back to possibly get expedited. I filled out the form and emailed back within three hours. I called the Wells Fargo IRA number back and the rep I spoke to told me that there was no way to expedite and that I needed to wait. Given this was a critical situation I asked to speak with a supervisor to talk to someone with a better understanding. The rep refused to transfer me and told me they would call me back. I still have yet to receive that call. That same day I called my local branch who informed me that there was additional paperwork the initial rep did n't tell me about. So I ended up going in, filling out, and faxing those papers at that branch ( still on Thursday ). I was told at the branch that if I was lucky the documents could be processed on Saturday and to call the Customer service line I had called before. I did this on Saturday XX/XX/XXXX and the rep at that time told me it could take 5-8 business days. At this point I was frustrated at the misinformation from the two reps, but let it slide. I called back on Tuesday XX/XX/XXXX to see if the hold was removed. At this time I was now told that it would take 7-10 business days. My frustration has now reached a tipping point. I keep getting lied to and deceived by this company and nobody seems to give me the same information twice. In a situation that was an emergency this company has continued to give me the run around. I called their complaints department who documented the situation but merely transferred me back to that dept who told me, once again, that a supervisor would call me and that it could take up to 24 hours. Wells Fargo either has inconsistent training or their reps are flat out lying to me and when you are in a situation where you need to know this just does n't cut it.

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 11/15/2017 about Debt collection (Medical debt) with Healthcare Receivables Group, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are a few medical items listed on my credit file which are unknown, I have disputed with nothing being received for validation I need help these are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Lease) with VW Credit (KY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: Hello, My name is XXXX XXXX XXXX and I recently had to return a leased vehicle. 
The vehicle a Volkswagen CC R Line, had only 20 miles and gorgeous car. I was pushed to lease the car when I really wanted to buy a car. I was also told that the more money down the less monthly payment, so I paid XXXX out of my 401k right up front. In XXXX we received a letter about the XXXX airbag recall and that our vehicle was being recalled. 
On XXXX XXXX XXXX I returned the vehicle to XXXX XXXX in XXXX, KY. They were more than rude because we were not extending or buying the vehicle. I asked if we could have some kind of price reduction and review on the monthly payments since the vehicle had depreciated so much and I was forced to literally drive a ticking time bomb with a defective airbag for the whole term of the lease, even if the recall of the vehicle was not disclosed until later. I drove a vehicle that was not worth the price it sold for or leased for. 
VWCredit did not care to even waive the return fee of XXXX nor the property tax remaining of XXXX. 
There has to be some kind of refund on the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX  of   XXXX   I missed a payment with  XXXX  and I continued to make on time payments for every month after that but each month they reported me as late. I have spoken to them numerous times and they refuse to correct this error. Also during the month of  XXXX    XXXX   when I was having financial trouble I applied for loan assistance, called  XXXX  to help,  a Loan modificat ion, and asked to pay more each month to catch up. All was denied. Please remove these late payments from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.

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 08/16/2017 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: Account status incorrect

Complaint: I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to XXXX, Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with RS Clark and Associates, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: R.S Clark an d associates has filed an account on my credit report dated   XXXX  ,2017 which is not a debt that I owe in the amount of  XXXX . Never had any dealings with this company ever. Also having knowledge that this company is not authorized to collect any debt in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XXXX/XXXX/XXXX ... attempting to freeze our credit after XXXX XXXX security issues, I was directed to their website where upon after signing up, found out by freezing my credit with TransUnion, I was also signing up for their credit monitoring at a charge of {$19.00} per month. Realizing what I had done, found on checking, I could opt out of credit monitoring, HOWEVER I would still be charged the {$19.00} charge and the credit freeze would only continue through them for a month after which I credit would become unfrozen. On checking my credit card with XXXX Bank, I found that the charge each month is recurring. It seems impossible to reach anyone by phone or email to complain.

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 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise. 

On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I was in the process of reviewing my bank statements when I was preparing my taxes and noticed that in XXXX a check that I wrote to a cleaning company posted twice to my account it was the exact same check with the exact same date and the exact same amount and the same check numberwhen I noticed the clerical error I notified my bank they researched and admitted that they incorrectly paid out the XXXX and they would look to resolve the issue 30 days later I have not had a resolution and I am being told that I can not receive the funds back in my account until they have received the funds back from the bank in which they had paid out multiple times. They do not have a date for a resolution and stated I would never receive my funds if the bank they had paid out to never returned it back to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On the Experian web side it said u can check your credit score for $ XXXX for one week free try they charge me {$21.00} and subscribe me before the end of the free try I called on three way call with my bank to have a refund they refuse, and I asked to cancelled the subscription

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 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have asked CitiBank to leave me alone with their endless offers through the mail. It contains information about my account and my mail has been stolen before. I have asked the company 5 times now to remove me from any and all offers and I am still receiving endless offers. PLEASE MAKE IT STOP. I signed up almost a year ago for the permanent removal of all promotional offers through the XXXX XXXX XXXX site. They try to get around the opt out by using only parts of my name instead of my full name, which is a loop hole but I should n't have to submit 3 different names just so they stop.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are   XXXX   very old  XXXX  accounts that are not supposed to be reporting on my credit. The   XXXX    XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The   XXXX     XXXX  card account has an account number of "  XXXX  '' with an open date o f   XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the  XXXX  charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that   XXXX   is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called  XXXX  a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bureau is refusing to honor my creditor 's deletion request.

Company response to consumer: Closed with explanation