milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RJM ACQUISITION LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called XXXX XXXX XXXX XXXX XXXX XXXX, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company response to consumer: Untimely response
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously I disputed the hard inquiries on my credit report and they were deleted. Recently I logged in to monitor my account and they have been added back on and this has made my fico score go down.

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 04-02-2017 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent Equifax 2 notarized disputes regarding XXXX bankruptcy that they claim to be mine, ( please note that I have been sending them disputes over the years but I am only submitting these 2 letter submissions as they are the most genuine in legalese and required law ) They have been avoiding the legal content in these last submissions. I have also attached a letter from the UNITED STATES BANKRUPTCY COURT IN XXXX that clearly states " that the court does not provide any personal information to the credit bureau and that the credit bureaus routinely check public dockets. These public dockets do not associate a social security number to the cases if any does exist. Yet the credit bureau will not remove this information that does not belong to me. The Credit bureau does not have a contract with the court house nor me to allow them to be reporting fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with ResidentCollect, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XX/XX/XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was advised by my loan servicing company, Ocwen, that my homeowner 's insurance had expired. This is inaccurate, and they decided to " sign me up '' for their in-house insurance. They have now added an additional $ 120 monthly fee to my mortgage. I have tried to call, fax, email them several times. I have been unable to reach them to clear up this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (HI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Alleged company use scare tactics to threaten me to pay. I ask for debt validation numerous times yet no validation proven debt is mine. They violate my rights. Company not legit at all as do n't know what their REAL address. This company real fake.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with Colony Brands, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX  breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called and sent many letters to have incorrect addresses removed from all Credit Bureaus and disputed incorrect information on reports and keep getting told they are verified but havent gave me no verification of account accuracy.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: an account for ally bank reports on my trasunion and XXXX I never opened account infact when I first became aware I sued the dealer..

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 06-06-2017 about Debt collection (Federal student loan debt) with Ceannate (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: A deposit of XXXX and withdrawal of {$980.00} was made in my account onXX/XX/XXXX within a minute of eachother. It clearly looked like a scam so I contacted the bank and got a new card. They Initially refunded the {$980.00} withdrawal with a letter of apology along with crediting associated insufficient fund fees. They also took the XXXX back as it had insufficient funds. I have attached a copy of the check- I have no idea who they are- in fact, there were no signatures on the back side at all. On XX/XX/XXXX they took the {$980.00} out again as they disputed the case. I was at work and could in no way be at that ATM when this happened. I have attached a letter stating that. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account online in XXXX of XXXX. At this time I was already a Citibank customer with an credit card account that earns their 'XXXX Points '. The checking account was opened using a promotional offer that Citi had, which provided a bonus XXXX Points ( worth approximately {$500.00} ) once the following conditions were met : that I make XXXX bill payments in XXXX separate months within 2 months of opening the account. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told in accordance with the promotional terms that the bonus points will post within XXXX statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that correlated to that eligibility. This is very unfortunate in that in the seven months this account has been open, numerous Citi reps have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after they have collected fees for 90 days of waiting, did Citi decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? I understand that Citibank reserves the right to 'target ' specific customers for promotional offers, however, the onus is then also on them screen applicants who apply for their eligibility for said offers. Instead, I was able to open an account under this promotion, and then falsely told multiple times that I would receive a bonus which is now not being honored. Therefore, I find this practice to be very deceptive and would like to file a complaint.

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 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had received a letter from my previous employer about a data breach. I submit a request to Experian to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't.. My current address isXXXX XXXX XXXX XXXX following addresses need to be deleted from my address as they are n't mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I recived calls daily from XXXX XXXX I know I do owe them we beening my husband and my self have talked to them with an agreed amount per week now they are filling up my email also will not appily weekly money to principal only interested or late fees I have had as many as 37 calls per day.we need help

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 Experian Information Solutions Inc. (NY).
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 called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX at XXXX XXXX I sold XXXX Litecoin valued at {$230.00}. The money supposed to be transferred into my XX/XX/XXXXk account and nothing has gone through yet.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been in contact with my private student loan lender Discover Student Loans several times since XXXX 2014 to try and make my monthly payment more feasible so I can afford to live. I have been told to either use forbearance or default my loans and that they can not help me. They want me to pay nearly {$700.00} a month, while trying to live and pay other bills. I also have federal loans that are in non repayment right now until I can get something resolved with Discover and be able to afford to repay my loans. I am willing to work overtime to pay Discover a settled amount every month so everyone is happy they are getting money. But, Discover will not work with me to make it to where I can live and afford my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX from cap XXXX fraud called told me there rebilling me XXXX for a charge to the XXXX hotel where i never stayed or authorized even though i file a police report and there advertising XXXX fraud liability there need to be investigated for violating the XXXX and false and deceptive practices

Company response to consumer: Closed with explanation