milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This debit has not been accurately verified. The bureau does not have a contract with my signature. It is also a possible duplicate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Deposits and withdrawals

Complaint: I canceled a transaction with Paypal and they did n't fully cancel the transaction. On XXXX XXXX I sent money to my wife using Paypal and canceled the transaction within 5 minutes. Paypal did n't cancel the withdrawal from my bank account. They allowed the money to be withdrawn from the bank and deposited the money into Paypal. A cancelled transaction should go back to the original state with the funds remaining in the bank not at Paypal. This is wrong and cost me XXXX dollars in overdraft fees! The transaction ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.

Company response to consumer: Closed
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: FAMS contacted my placed of employment and informed my co-worker personal information about me and that I have unpaid loans. My co-worker informed the caller these types of calls are not allowed and gave the caller with my permission my personal cell phone number. On another occasion a FAMS employee pretended to call to verify my employment and personal information about me for an " application I submitted ''. When my co-worker became suspicious because the caller was becoming rude she transferred them to my supervisor. My supervisor did not feel comfortable giving the caller the information they wanted after the caller would n't verify who they were so he referred the caller to our company supervisor. Then I received a call from our HR department informing me they received wage garnishment papers from this company for XXXX % of my paycheck. I got the company name and number from the paperwork. I called and was transferred to a man who was rude from the beginning. He stated they have called me numerous times on my cell and have not made contact. Which I have never received a single call or mail from this company. I informed him the address he has is incorrect and I have not lived there in over 5 years and that the name he is using is my maiden name. He argued it is my fault my wages are being garnished and that I should 've kept my name, address and phone number up-to-date with them. And since they never received a returned letter that it 's my fault they did n't have current contact information for me. He stated he does n't know the original debtor but that the loan from 2003 came from XXXX and is now at {$9000.00} due to interest but he ca n't tell me the original amount owed due to the loan being consolidated at some point in the past. He had no interest in updating my contact information, resolving matters with me or helping me get the correct forms that verify the debt owed and debtor owed. He very smugly stated several times that all will be resolved now that my wages will be garnished. How can a company who wo n't verify a debt or debtor? Wo n't communicate with me? And violates third party disclosure now garnish my wages for an unverified " owed debt ''?

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

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 11-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America juggled my transactions in order to maximize the number of overdraft fees they could charge me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received Debt Collection Notice from EOS CCA stating that I had an outstanding balance with XXXX that they are seeking to collect on behalf of US ASSET MANAGEMENT XXXX. However, when I checked the license number on the letter with XXXX XXXX ( online ), it says that the license belonged to a differnt company and that it expired in XXXX 2017. Additionally, I contacted XXXX and my account is paid up to date - it 's on auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dynamic Recovery Solutions XXXX XXXX XXXX SC XXXX attempting to collect paid pff debt from XXXX. This is not legal! FCRA states no collections of any kind may be made after XXXX years! The letters from them are false claims from XXXX years ago. These scumbags need to be put in prison.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I 'm  currently banking with chase and have been for years. I have  XXXX  checking accounts with them. This morning we I wake up to two insufficient funds fees added to my account prior to this I received no notifications stating that my account was overdrawn anything nor did I get a notification about the first insufficient funds fee added this is not the first time this has happened to me it 's been happening over the years that I 've been banking with chase but now I tired I feel that there just taking money for no apparent reason, money I do n't have to give away I have kids to feed. When I called and told them about my issue they tell me that 's there is nothing they can do, I asked even if there a mistake on the banks behave the representative says " there nothing we can do ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Payday loan, title loan, or personal loan (Payday loan) with Mobiloans, LLC (SC).
Issue: Problem with the payoff process at the end of the loan

Complaint: I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX  XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Involving docket # XXXX reported with all 3 bureaus : Under the new law effective XXXX XXXX, 2017 any  public record data must include name and address as well as SSN and/or DOB in order for it to appear on your credit file. The credit bureaus have not updated or removed the info, even after i verified the courts do not report information to credit bureaus. Per the new law the bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with 21ST MORTGAGE CORP. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX  did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1 ) About XXXX, 2016 ( when I XXXX became aware of their derogatory report in my Credit File ) I sent a mailed Request to the company [ Midland ] in XXXX XXXX, Calif. to remove the False & Derogatory Report with the ( XXXX ) Credit Bureaus. They Failed/Refused to respond. 

2 ) XXXX XXXX, 2016, I sent a Request to [ all XXXX Credit Bureaus ] to Dispute the False Comment by [ Midland ] and Requesting they Remove it. No Reply to date. 

3 ) XXXX XXXX, 2016, I sent a XXXX complaint on [ Midland ] to Calif. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: Account information incorrect

Complaint: On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to 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 09-01-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with CITIBANK, N.A. (CA).
Issue: Lost or stolen check

Complaint: Answering CitiBank mailed flyer offering {$500.00} cash bonus for {$50000.00} deposit, in XX/XX/XXXX I opened a new CitiBank savings account to hold the funds. In XX/XX/XXXX I closed the account via Cashiers Check ( copy attached ), which i mailed same day to my primary financial institution, XXXX. When the deposit had n't posted, I returned to CitiBank ( XXXX XXXX, CA ) to report the problem. I was assured moves would be commenced within days to resolve the matter. Having heard NOTHING in two weeks, I returned, reported the total lack of follow-up to branch mgr XXXX XXXX. Re-started the process, with XXXX XXXX and me spending over 2 hours confirming with my XXXX XXXX representative that the check had never been received by XXXX. XXXX XXXX confirmed the AWOL cashier 's check had not been cashed. But instead of issuing a Stop Payment on that check and issuing me a replacement check, XXXX XXXX stated CitiBank had to wait 60+ days to ensure that the AWOL cashiers check was not deposited. Under the circumstances, XXXX XXXX said he would try to get my money re-funded the following week and promised to keep me posted. After 3 weeks of silence, I called XXXX XXXX again, learning that he was no longer with CitiBank. Apparently, he had left NO notes on the 3+ hours of my time spent in trying to resolve the matter. Not ONE of the Personal Bankers, including the Branch Manager, knew where my {$50000.00} was or when/how I could/would get it back. I was sluffed off to another officer to re-start the process de novo. Unwilling to start all over after CitiBank 's repeated lapses and failures, I sent a detailed Certified Letter ( attached ) to XXXX XXXX XXXX, CitiBank 's Chief Legal Officer, who in turn sluffed off my complaint to XXXX XXXX, client liaison, who emailed a form letter ( attached ) stating, among other things, " please be assured that your communication is important to us and will receive a deliberate and thorough review ''. On XX/XX/XXXX I returned the call as requested in the email and had to leave a message on XXXX XXXX 's Voice Mail. I have had NO written or verbal response whatsoever in these 3 weeks.
CitiBank does NOT provide its bankers adequate information on handling AWOL cashiers ' checks and does not require Officers to document issues or respond to customers. 90 days after initially reporting the AWOL cashiers ' check, I STILL have NO IDEA OF WHEN OR HOW I WILL EVER GET MY {$50000.00} BACK. This is beyond incompetence on CitiBank 's part ... ... ... .it is plain and simple consumer fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wells Fargo promised to collect {$300.00} Special Handling dept per XXXX to make XXXX consecutive minimum payments with the collections Department. When I call collections, {$350.00} is demanded. I advised of receipt of a letter from the executive dept stating min payment of {$300.00}. Collections connected me with special handling dept. A representative who barely spoke XXXX is telling me that XXXX is no longer with the company. No info regarding {$300.00}. 

I want to get on a hardship program. 

I was promised that if I make {$300.00} for 3 months in a row, special handling would give me the program. Now the collections just want to take a payment and not apply it to XXXX of the XXXX payments towards the program. I was lied to!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have received two telephone calls in the last 18 hours from NationStar mortgage asking when my payment will be received. The payment is not due until XXXX XXXX, but the calls began on XXXX XXXX. 
This is my first month with NationStar, as my mortgage was transferred from XXXX. Out of force of habit, I paid XXXX the amount due, which cleared my account on XXXX XXXX. XXXX informed me that they would forward any errant payments for the next 60 days. However, the harassing telephone calls from NationStar continue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Lenders investigating my credit is lowering my credit score I think that 's unfair

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other

Complaint: I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.

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 09/24/2015 about Debt collection (Payday loan) with Delbert Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation