milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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 have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have been banking with Citibank for over 15+ years. In XXXX  2017 Citibank allowed a fraudulent transaction to go through with my checking account. A check was processed/debited from my checking account two times on different dates. The recipient of the initial check might have committed a fraudulent activity by redepositing a check that they deposited two months prior. Citibank allowed the check to clear my account the second time around and has yet to credit me back my money that was clearly stolen from me. It is now the end of XX/XX/XXXX and i have not gotten any feedback from Citibank. I will be removing all my money and changing mortgages once this is finalized. Citibank has shown me terrible customer service in this situation. Utterly disgusted with Citibank.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: In response to the equifax data breach, I have tried to initiate a fraud alert on my credit file. Not a single credit reporting agency website is functioning. In addition, you can not get through via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Payday loan) with Executive Acquisitions Group, LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received a voice mail stating that they were going to issue an arrest warrant and come to arrest me with an armed guard at my work for their protection and as a witness. Wife called them and was trying to cooperate and asked them to send an email someone called back and as she was speaking with a man she asked some questions about why we have n't been notified and according to them they did 30 days ago, but yet we have not received anything and then he started cursing at her and calling her XXXX and us XXXX and hung up on her. She called back and was in tears about what happened, she complained and they sent a generic email. With nothing about the original company that is requesting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I writing in the hopes that you can assist me with addressing a matter of late payment history I discovered when reviewing my report and attempted to resolve directly with the company. The payment information in question is : XX/XX/XXXX listed as 30 days late XX/XX/XXXX listed as 30 days to XXXX late through XX/XX/XXXX I am still unclear on how this happened and upon review of the information with the company this was a minimal fee charged that then accrued more fees when it wasn't paid. I was completely unaware of this bill, the only thing I can figure is that the statements were not being delivered to me. I advised the creditor of this at which time they advised me to send a letter to them explaining and this would be addressed in writing. I did so, and didn't hear back and continue to be damaged by this discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. 
After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly secured my personal information and according to their equifaxsecurity2017.com service, my data were compromised. Equifax is now coercing those affected to enroll in their TrustedID Premier service ( after the website tells customers their data were compromised the only remaining dialogue says " click the button below to continue your enrollment in TrustedID Premier '', the terms and conditions for which void customers ' rights to legal action against Equifax. ) Outside of the option of never applying for credit, at no point in my life have I ever had any option to prevent Equifax from obtaining my information. The action of simply applying for credit in the United States has left me vulnerable to Equifax 's improper data security. Therefore, Equifax was entirely responsible for ensuring my privacy, which they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 sent a LEGAL Notarized affidavit to Experian, XXXX , & XXXX disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Experian, XXXX , & XXXX to Provide physical verification of the original signed consumer contract.
I demanded from Experian, XXXX , & XXXX to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt.
UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law.
Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both TransUnion and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. Thank you.

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 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.

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 06/20/2015 about Consumer Loan (Vehicle loan) with MEI AUTO FINANCE INC (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX in XX/XX/XXXX at a monthly payment of {$500.00} due on the XXXX of each month. Due to a lay-off, I fell late with XXXX payment, but immediately brought the note current when I found another job about XXXX weeks later. As a result of being off for that length of time, I could no longer make the payments exactly on the due date, but make them every single month in full. The creditor MEI Finance/MEI Auto/Midpoint Auto ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has decided to consistently call me no less than XXXX - XXXX per day. They call my job, they call my relatives telling them they will repo my car if I do n't call them by a certain date and time, this is after I have requested they stop calling both my job, family, and friends, and to stop calling me more than once per day. 
Again, I make my payment in full every month, never going past XXXX days late, but because I can not pay exactly on the XXXX, and they have no " grace periods '' according to them, they begin with the daily/hourly incessant and constant phone harassment and threats, and I would like it to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: As my debit card was set to expire, Bank of America issued a replacement card three months prior to the expiration date. The card never reached my mailbox and was intercepted by someone. I received a message that my debit card was being used and was asked to provide feedback regarding an attempted transaction at XXXX XXXX for {$520.00}. I responded within 30 minutes of the message stating that the transaction was not mine and to close the account. The account was not closed after I asked them to close it. Instead, they expedited the shipping of a new card. I filed a dispute with the bank to remove the fraudulent charge. In addition, I filed a police report and put fraud alerts on all the credit agencies. Bank of America declined my dispute stating that there was nothing wrong with the transaction. They are violating the Electronic Fund Transfer Act by not removing the fraudulent charge. A few days later, Bank of America sent another email to to me to verify a transaction on my credit card. When I called, they told me that they added a new user to the account, changed the address, and mailed a new card to a fraudulent address. They skipped the passwords and security that I set up for my banking accounts. They instructed me to have a police officer call a special number to retrieve the fraudulent address where a new card was sent. The police officer advised me that he can not do this without a subpoena. The advice Bank of America offered me was incorrect and ineffective.

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 10/21/2016 about Mortgage (VA mortgage) with CORNERSTONE MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a phone call from my lender Cornerstone Home Lending and they told me they would no longer accept my payments. Over the past year I have been paying my house payment bi-weekly and have made 26 two week payments. My lender told me I could no longer do that and if I did my payments would be returned to me. The only way they would honor a two week payment was if I signed up for a program they had and that my mortgage payment would have to be direct deposited to Cornerstone. I do not want to do this because it prevents me from having financial flexibility. I feel Cornerstone Home Lending is using predatory strong arming because I am financially responsible. The fact that I will pay my mortgage off early incited them to threaten me to no longer accept my bi-weekly payment. Cornerstones policy regarding partial payments is the following. " The disposition of a partial payment received may depend on a number of factors including but not limited to : the amount of the partial payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received within a 12 month period, whether your loan is being or has been modified. For Any of these reasons, a partial payment may be ( XXXX ) returned to you, ( XXXX ) applied to your loan, ( XXXX ) accepted but held in a non-interest bearing unapproved funds until you send us additional funds sufficient to equal a full periodic payment due. '' Over the past twelve months Cornerstone has been accepting my bi-weekly partial payment but now I am being to they are no longer going to honor that payment process. Cornerstone is changing our agreed upon payment process. They have decided to change their decision without me agreeing to it. I see it as I have made 13 house payments in a twelve month period and they have accepted everyone of those payments. They are applying a rule meant for individuals who have a hard time meeting their financial obligation to my situation which is the exact opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: I had a Capital One Bank Account for several years. I opened a standard checking account for my military direct deposit. Two years after opening the account I got XXXX to XXXX from XXXX to XXXX. While overseas I had my direct deposit changed from my Capital One account to a more interest earning account with a different financial institution. I left my capital one account still open with a balance of {$1600.00}. Several months after returning from overseas I discovered that my account information was compromised somehow and over drafted - {$570.00} and closed. I attempted to notify the bank that there had been fraudulent transactions that took place and they stated my card was used and transactions brought my balance to - {$70.00}. The other {$500.00} was overdraft fees. They then refused to commit a proper investigation because i was too late to report. I notified capital one that I was overseas and had all paperwork INCLUDING my military orders that sent me to XXXX while transactions from multiple states in the US were taking place but they seemed to not understand to the military community. They have since then ruined my XXXX record and as a result am unable to open a bank account with any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (Government benefit card) with KEYCORP (CT).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: ATTN : PPD Dispute, KEY BANK Dispute XXXX ( I will be keeping a copy of the fax transmittal confirmation ) Fax : XXXX, XXXX, XXXX ( I keep getting different fax numbers to fax to and different items to submit. ) On Friday, XXXX ( XXXX ) I used my debit card ( to obtain unemployment funds ) in the ATM at Key Bank in XXXX, CT. I tried withdrawal {$500.00}, but the machine never disbursed the funds. However it accounted as if it gave me the {$500.00}. 

I talked to a XXXX that night when calling the ATM number. She said she could start the dispute, but I said I needed the money right away and I would go into the bank in the morning. 

I went the the Key Bank location in XXXX, CT the next morning, and they were unhelpful and unwilling to investigate themselves. They told me I had to call the ATM/XXXX number again. 

I called the number again, and they filled out all the dispute information, and then I was required to send a letter by fax or mail. 

1. The machine kept {$500.00} I needed 2. The process to rectify the situation is inconvenient, lengthy, unfriendly, not customer service oriented. 
3. The bank said it wasnt the first time the ATM didnt give people their funds. 
Due to the banks error, I wasnt able to obtain my money, I had to take time to go to the bank, then call the XXXX, and now write a letter - again, due to a bank error. 
4. A little common courtesy at the branch could have totalled changed this complaint. Courtesy includes treated as if the bank made a terrible error, an empathetic person 's, help with filling out the form and then faxing it for me. Instead I called the dispute number from the parking lot of the bank, while in my car, and had to locate a friend to use to fax the information. Its outrageous.
Sincerely disappointed and inconvenienced, and now it says it 's " pending ''. They gave me a number for the dispute processing area, and there is no " live '' person to talk to. It 's a recorded message that hangs up after a few repetitive cycles. I have no idea if they have what is needed.
This is four days without my needed unemployment funds with no understanding when I might get them.
It 's unacceptable.
P.S. - a bank teller could walk over to the ATM and count the funds, look at the security camera within a few minutes. But I 'm forced to spend my valuable time following up with THEIR bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my phone at least  13 ti mes a day but they always call from different numbers. They will call 5 times from  one phone number and then use other numbers throughout the day. My phone rings every hour, sometimes within 30 minutes of the last call. This has been going on everyday since   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 non-monetary relief