milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had written a check on  X/XX/2017    an account that is not used frequently. This check was returned and I received no notices advising that it was returned nor was it reported t o TELECHECK. When atte mpting to make a payment for daycare, my payment was rejected by TELECHECKand no reason was given. After discovering this, I was advised to call  TRS Recover  Services to get further information.     Upon Calling them, I was advised they were a division o f TELECHECK and th ey want to collect on the debt that they paid on my behalf. Having to get this cleared, I advised them to I would pay at that time  (  X/X/2017  ) t o get everything straightened out. They advised that the check will be redeposited that night and there was nothing I could do. I ensured that the funds would be available and the check cleared on  X/XX/2017   . Thinking that my ability to write a check would be restored in time to make by daycare payment, it was again denied due to the fla g in TELECHECK. I c alled TRS and they advised that it takes 14 days for the payment to post even though they have recieved my funds. This delay has adversely effected my ability to use checks and inconvenience of having to pay cash or money order for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I am the XXXX XXXX XXXX XXXX and I write my employee paychecks through PNC. When my employees go to cash their paychecks, PNC charges them a {$10.00} fee. The employees do not bank at PNC but because I write my employee checks through PNC I feel that they should not have to be charged a {$10.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This fraudulent account. Someone open account XXXX card.It was remove credit reports now capital one sold the account its back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Other fee

Complaint: I have had a long history with what is now Capitol One Credit Cards and it has been completely unblemished. I have been asking for an account upgrade to XXXX without an annual fee and although I have been told that I would soon be getting an upgrade offer I have yet to receive XXXX in 4 years. I have always paid more than the minimum have usually carried a balance and the rest of the credit report is great. My financial status has improved greatly since I first opened the account in XX/XX/XXXX with XXXX and since Capitol One took it over in XX/XX/XXXX it has still improved. After many calls to the company for the upgrade to eliminate my annual fee I was told that I had to wait for the fee to be assessed. I did indeed call after the fee was assessed and still had to talk to XXXX people to get it done. I opened this credit card 9 years ago to establish good credit in my name and was told that this was the way to start and that the annual fee would eventually be dropped as I showed my worthiness over the years. I had no control of Capitol One buying the company, but still I have done more than show my worthiness to have my account upgraded to XXXX without an annual fee without having to close this account and starting a new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Yakima County Credit Service, INC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: What type of problem are you having? I am trying to get my credit in order and I have a collections company YCCS located in XXXX Washington my home town that has piled on a pretty big bill, wich I could have paid back eventually had they not tacked on a absolutely ridiculous interest rate and never contacting g me or even sending me a letter stating the amount of money I owed ever. Now it is at {$19000.00} and most of it is interest since its been building it for probably 12 years or so with out my knowledge. I have agreed to start paying XXXX dollars a month and they faxed me the paper work and when I am finished paying it off I will have paid XXXX dollars wich seems a bit out of hand and its really making it hard on me. I am a XXXX father of a XXXX XXXX XXXX girl who has made some mistakes in the past but I am trying to fix my credit and buy a house so I can raise my girl in a nice home. And where I live I could buy a nice home for XXXX dollars and put the money into my local economy. Anyways I feel like Im being taking advantage of and I also feel like this cant be legal if you could please help me out with this I would really appreciate it my email address is XXXXXXXXXXXX, my phone number isXXXX and I live at XXXX XXXX XXXX XXXX MO. I am very busy working and taking care of my daughter the best way to contact me is an email. 


Thank You XXXX XXXX Who are the people involved?

Company response to consumer: Untimely response
Consumer complaint received 08-11-2016 about Bank account or service (Cashing a check without an account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX in the amount of {$500.00} dollars. I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at FIFTH THIRD BANK on XXXX/XXXX/XXXX. I have never deposited this check to FIFTH THIRD BANK! I have NEVER owned an account there I never even heard of this bank. I contacted FIFTH THIRD BANK to see what happened to my check. They said that they cant research this check because there is information missing and that I am not their customer. I asked FIFTH THIRD BANK to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and according to XXXX XXXX XXXX this check was cashed at Fifth Third Bank but the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in FIFTH THIRD BANK! 
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I saw an Capital One credit card ending with XXXX under my name with outstanding balance for {$2800.00}. I do not recognized this credit card. I think someone was used my name and SSN applied for this credit card and used without paying. I did n't notice until this morning I checked my credit report. This outstanding credit card leave a huge impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was sold to a debt buyer, however ; the original creditor continues to report and attempt to collect on it resulting in duplicate entries on my credit report for the same account. Since the debt was sold to a third party collection agency, the original creditor does not have a right to engage in debt collection efforts.This is my final attempt to resolve this issue outside of litigation. IF you fail to remove this item from my report within 14 days I will pursue a civil suit for your debt collection violations. Please see attached claim that will be filed on  XXXX / XXXX /2017   with the  XXXX   County Courthouse.

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 10-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: Over the summer American Express offered XXXX sky miles points for those who spend over 2000 during the first three months. Previously, over 3 years ago I closed an account with this card and was wondering if I applied would I be eligible for the rewards. So, before applying I went and spoke to an American Express agent at the airport ( XXXX ). They told me that because of the time between accounts ( plus AE had different offerings at that time ) I would qualify for the bonus points if I spend the required amount. From that conversation, I went home applied, got approved, and spent the required amount. Now American Express is not awarding me the points because I 'm not eligible for them .... I feel completely taken advantage of and feel like that agent told me this just so that American Express can have one more card holder .... I 've reached out to them and they 've opened and closed a case investigating this issue without giving me the points I 've earned. Right now, I completely understand the qualification of this card, however, I should not be the person punished for the mistake their employee made by telling me I would qualify

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter was taken to the ER by her father. I was never at the hospital. I have received numerous calls regarding a {$240.00} debt. I explained to each collection agency that called that I was not responsible as I was not the adult that accompanied child for visit. I requested validation of debt with my signature. I never received it. I checked my monitoring service and found an entry to my credit report for the debt I explained was not mine. It also states I opened this debt in XXXX. My child went with her father, XXXX XXXX, to the ER in XX/XX/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 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 02-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a mobile home in XXXX. Made every payment, never late, and in XXXX paid it off. Green Tree claimed I owed for insurance they had placed on the home previously. I kept homeowners insurance on the property the entire time, for the value of the home as per the contract. Green Tree said I had to have insurance to cover the loan amount, but the contract did not say that. I refused to pay, and later that year they repossessed the home. I contacted Green Tree and requested to know how much they sold the home for, and they refused to provide any information. This was the last contact I had with Green Tree. In XXXX, I found out Green Tree had contacted my father. In XXXX I was XXXX XXXX XXXX with limited credit, so my father co-signed for the note. My father had his own loan with Green Tree, and I found out they contacted my father demanding payment of {$1500.00}. or they would call his current note due. My father paid {$1500.00}. to settle the claim without my knowledge. 
On XXXX XXXX, XXXX I received a XXXX from Green Tree, now doing business as DITECH Financial, claiming they discharged {$5700.00} of debt I owed. I contacted them at the number listed on the form. 
The automated system requested my account number, so I provided the one on the XXXX. It said the number does not match any acct. 
It then asked for my SS #, which I provided. It said No Acct exist for this number. Finally I spoke with a representative. She could not provide any information other than to say I must have owed money sometime a long time ago on a mobile home. I claimed I owed nothing a and requested that she verify the debt, and she said those records do n't exist any more. I told her that was n't acceptable, that I did not owe anything to Green Tree, and unless she can provide me proof I wanted this XXXX corrected. She told me I must have owed money from a long time ago, and they decided to write it off on XXXX, so she refused to do anything. Once again I requested some proof I owed Green Tree anything, to which I was told the account and those records do n't exist anymore. 
How can a company, without proof or documentation randomly place an XXXX burden on me with a XXXX for any amount they make up? I 'm guessing Green Tree does this, and then claims the deduction on their Federal Taxes, so would n't this be Tax Fraud? Even though they have n't tried collecting this amount from me, by filing the XXXX they have placed the debt on me unfairly, causing me to now owe the XXXX portion of this undocumented debt. 
I think Green Tree is guilty of criminal activity, and ask that a formal investigation be undertaken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014. 
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: I was charged multiple fees for transactions on my account that was drawn out of an old account and Citibank is racking up fees and interest also when I first got the card I was told that I was n't going to be charged a member fees per the account terms I have been charged fees after I called Citibank to have the fees discussed and reversed the interest has cause my account to be over the limit and affect my credit dramatically

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 06-08-2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a copy of my XXXX credit report and noticed that transworld systems have been checking my report on XXXX different times XXXX and XXXX. I do n't have a account with this company. I XXXX the company name to find that they are a collection agency. They never tried to contact me by phone or mail just keep looking at my report as an account inquiry. I do n't know who they are and would like them to stop looking at my report I do n't want this to end up on my report without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX    I been trying to get a short sale through with Ocwen its now    XXXX   XXXX    and still no sign of it going though. All the paper work has been filed by both parties the owner  (     XXXX   XXXX     )  and the buyer and sent to Ocwen. My agent  XXXX   XXXX , a relator with  XXXX   XXXX  hears they (  Ocwen   )  are waiting on the lender. As of    XXXX   XXXX   XXXX     My  agent  XXXX   XXXX  had me on a  3  way call with Ocwen. I was not to speak for she did not want them to know I was on the other line. We was informed that the paper work was never summited to the lender instead it was passed on from under writer to under writer and no one has ever touch the file. My agent was told to call back Friday for an up date but that 's all we been hearing since the beginning. I am already going on  XXXX  bpos my perfect  credit score  from  XXXX  has dropped to the low  XXXX  's I have no idea what to do. You can reach me    XXXX   XXXX    at    XXXX   XXXX   XXXX    or my Agent  XXXX   XXXX  with  XXXX   XXXX  at    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation