milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. 
There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a case of a credit debt having been bought by another company after 7 years had expired. It is illegal to buy a debt from another company and resurrect it. This originated long before 2009, when this company is saying I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to dispute two items with XXXX, and the credit reporting agency steadfastly refuses to update their records to reflect what is in my XXXX report. If they dont comply and soon, then I feel at this point the only option left for me is to pursue a remedy in either small claims court or through the federal court system. 

The two items in dispute are an account from a company named XXXX  back in 2012 which is no longer in business as I understand it and a student loan from XXXX ( a private company ). The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Late fee

Complaint: Hello, I am writing to submit a complaint against Wells Fargo, a company that provided me with a credit card and has charged me with XXXX time interest despite the fact I contacted this company in trying to avoid this charge. 

In XXXX of XXXX I acquired a credit card at the store, XXXX and XXXX. The card was provided by Wells Fargo, and according to the terms of the credit card, no interest would be charged for my purchases for up to a year. Since XXXX of XXXX, I made monthly payments to the credit card. 

In XXXX of XXXX I was notified that the card was no longer valid, since XXXX and XXXX cancelled their agreement with Wells Fargo. This meant that I could no longer use the card, which was contrary to the contract signed by me. I did not care about this ; and I continued to pay my debt. The last payment was due on XXXX XXXX XXXX. I made my payment a couple of days later, unaware of the fact that I had been penalized with additional interest. At the beginning of XXXX, my balance was {$390.00}. Since my payment had been late I was charged {$240.00} in interest. This increased my debt from {$390.00} to {$680.00}. 
On XXXX XXXX, XXXX I called Wells Fargo trying to explain that missing my payment had been an honest mistake, and that I had totally forgot the deadline. During this phone call I expressed my willingness to pay my remaining balance ( which was close to {$400.00} ) in trying to avoid the interest payment. I also reminded the people of Wells Fargo that this account was not of any service to me going beyond XXXX, since the card had been cancelled in XXXX. I naively thought that since we were still within the month of XXXX, the people of Wells Fargo could at least show some understanding and offer a reasonable solution. Yet, after half an hour on the phone and having spoken with XXXX different representatives from Wells Fargo XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, I was only offered a reduction of XXXX dollars. According to Wells Fargo Representatives this was the only help they could offer. 

I am writing this complaint hoping you could stop this company from applying such unfair interest to customers such as me, who despite being late by a couple of days, made monthly payments throughout a year. I am appalled by the lack of understanding of companies like Wells Fargo, who can change the terms of a credit card when they want, but would not extend the same understanding or courtesy to their customers. I believe this practice to be unfair, arbitrary, and capricious. As a result of simple, brief mistake my balance -- on the eve of being paid off -- almost doubled. I understand if nothing can be done to help me, but I honestly hope you can look into this so that other less fortunate individuals avoid getting trap by Wells Fargo 's arbitrary practices. 
Thank you XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I recently got married and requested a card for my spouse on my account. The credit card company requested proof, XXXX documents. Drivers License, Passport, Social Security Card ... Some reason, they did n't trust the documents that were emailed to them. The put my account on fraud hold. After waiting for a week, I told them to close the account. Now they think it was all fraud. I had and account in good standing over 20 years with them, but I will not be treated like a criminal. They will not close the account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: CRA VIOLATION / INACCURATE INFORMATION REGARDING NAME, ADDRESS EMPLOYMENT NOT AUTHORIZED BY ME APPEARED ON MY TRANSUNION CREDIT REPORT.

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 03/23/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We have been getting robo-call messages on our home phone answering machine asking us to call XXXX XXXX XXXX XXXX every few days for months. The message says that it is from American Express and is not a marketing call. I called back and they say we do not owe anything, but they continue to call every few days. Auto-dialer does not allow phone to be picked up while it is leaving message.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently noticed a repeated credit inquire every 3-months on my report since 2013. This is only on my Trans-Union report. The report list creditor contact a SYNCB/PAYPALEXTRASMCORLANDO, FL XXXX XXXX XXXX XXXX XXXX. I called this number and they state someone is applying for credit using my social security number and that I needed to contact Trans Union and hung up the phone. I called Trans-Union to report the fraudulent activity and they said they can not do anything about it, I asked for the information to be disputed and open an investigation and the Trans Union Representative refused to take such a report. only their represented refused to note the account. I asked for contact info to report the inquiring company and the fraudulent activity, there the Trans-Union representative stated he knows there is a number I can call but he does n't have the number as this time and that I needed to report the fraud to the company pulling my report. The company listed on my report said they do n't know anything about it and that XXXX is applying for credit in my name. I have called XXXX and they transferred me 5-times and noone there seems to have an answer either!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX, I received a telephone call on my personal cell from a debt collector identified as Transworld System Collection Agency in reference to an allege debt I had with my health insurance company. When I attempted to gather additional information about the alleged debt, they refused to provide any further details claiming that it was the only information they had. I managed to gather some additional info from the insurance co, and the amount of the alleged debt which was {$440.00} according to them. I also obtained info on the alleged day the transaction took place which was on XXXX/XXXX/XXXX but could not gather any further info as to the provider and the type of service I allegedly received. The person that contacted me was interested in the collection per se and not in providing me details to resolve any misunderstanding. In addition, he recited to me verbatim my full social security number after I confirmed my last XXXX, my full name, DOB, and other personal information which they should not have obtained legally. My complaint relies on the fact that I was able to pursue information from the alleged health insurance company in XXXX XXXX, XXXX. The transaction they claimed I owe ca n't be possible since according to the health insurance co, I deactivated my insurance on that same day due to a relocation. The insurance co, verified their records which yielded negative as to any pending charges or attempt to collect a debt. The insurance co, ( XXXX ) took notes n my concerns and asked me to send a formal write up to be placed on the record. XXXX is a scam. I vehemently, stated to them that I would proceed no further with the conversation until I obtained further information based on my consumer rights. The person on the phone was very persistent and utilized intimidating l am a federal employee and a victim of identity theft when XXXX records were stolen in XXXX. As a result, my personal information has been all over the internet and used by unauthorized websites without my knowledge or consent. I have evidence of such instances as well. I request prove of the alleged pending debt and validation that I made it. The fact that they had my whole personal information does not states the transaction was made by me and is valid. The account number they provided to me for this matter is XXXX and their phone # is XXXX. The number they called me from showed is registered to XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with DISCOVER BANK (WA).
Issue: Closing/Cancelling account

Complaint: Lately I 've been cleaning house of the unnecessary and decided it was time to just close my credit card accounts to avoid the balances continuing to rise although I knew I would never use them again. 
I knew it would take a long time but much less time than if I continue to watch them grow balances with the interest charged. 
Over just the last 6 months the balances rose by over {$1000.00} without using any of them. I would have closed them all out 6 months ago. 
I cancelled XXXX cards and I asked each and every XXXX of them if I can make my payment on line or by phone. Also will my payment go up or with this freeze the interest so I really work toward paying them down? These XXXX I would give acknowledgement to are XXXX, XXXX, XXXX. 
All XXXX said yes, it would freeze it and I could continue to make my minimum monthly payments if I chose to and I would see the balances decrease. 
Discover card has a different story. XXXX tells me that regardless if the card is open or closed, interest will still accrue at the same rate. 
How can this be true? I 'm am forever in debt to Discover card unless I get a big chunk of money to throw their way? 
Stealing, thievery, trickery, wrong and I 'd like someone to stop it please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.

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 07/22/2015 about Debt collection (I do not know) with Collection Bureau of the Hudson Valley, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: In XXXX 2013, I co-signed for a car with my husband through Capital One Auto Finance. In XXXX 2013, I was XXXX XXXX from XXXX to XXXX. My husband remained XXXX in XXXX. A divorce was in the process, and it was agreed upon that he would take over car payments. Fast foward to XXXX 2013, he stopped paying the car payments and did n't tell me. I got around to checking my credit report sometime later, and I found out that the car had been charged-off. Capital One never once called me, e-mailed me, or mailed me anything stating that the car payment was even past due. When I found out it was charged off, I called them and questioned why they never contacted me. They could n't give me any answer. After multiple calls and prodding, they claimed they tried to contact me, but that is untrue. I never received a call from a collection 's agency either, so that I could rectify the situation. I was dealt with unfairly and wrongfully, and now I 'm stuck with this on my credit report and they will not remove it, even after I have disputed it. The car is now in my possession currently, and I want to get rid of it and be done.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear XXXX File Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how its affecting my ability to work etc. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.

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 01/30/2018 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: Information belongs to someone else

Complaint: Ive sent numerous letters to equifax, XXXX and XXXX in regards to fraudulent accounts reporting along with my federal trade commission report. XXXX XXXX ( XXXX XXXX ) is a fraudulently open account. Needs to be removed from all 3 reports. XXXX XXXX XXXX is Fraudulent needs to be removed. After reports and numerous attempts these still remain. They are fraudulent.

Company response to consumer: Closed with explanation