milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A credit collection agency attaching privacy statements which I have not signed nor have I given authorization for them to use my ss number and information. They need to provide something I signed with the originator that states that they are allowed to seel my information to a third and fourth party. They claim to be attornies but they are representing a firm that goes under XXXX names, and send collection statements under each name when in essence it is XXXX and there is a class action law suit against them. I was making payments on my Saks Credit card but they had already sold my account ( XXXX XXXX still work for XXXX and was able to see that I was making payments while XXXX sold the account and only kept XXXX and laid people off ). As a result I will sue whomever is involved for using my information my account my data which already should be archived. It is illegal to use my name ss number and data when I did not authorize it. The privacy notice is bogus and not acceptable it is my data! And they sell my data THAT IS FRAUD!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (CA).
Issue: Deposits and withdrawals

Complaint: GE Capital Bank saving account. A number of false statements have been made by the bank officials in relation to the account, affecting my financial transactions. After I contacted the bank officials, threats have been made as well. Please fully investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: i was a victim of scam which many times i have addressed issue to cfpb regarding both XXXX XXXX XXXX and wells fargo bank who refuse to cooperate to recover my loss the loss i suffered and still not willing to cooperate to resolve issue matter of my scam and my recovery of loss i suffered through the scam i suffered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Per request of XXXX XXXX ext XXXX, we have faxed proof that this payment was paid multiple times. XXXX a manager at Central Credit Services is saying that they ca n't find proof in their financial records that they received this payment contrary to our bank records showing proof of payment to " CENTRAL CREDIT SERVICES. '' Central Credit Services responded to my complaint saying we must call XXXX directly with a banker on the line to verify with an authorization code. We 've attempted to call on 5 various occasions and left multiple messages. We have documentation of phone calls as well as first party witness verification that messages were left. XXXX has failed to return any of the calls.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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 FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING 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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: These tax liens are self-releasing and should have already been removed off of my credit report. Also, there are other tax liens with different dollar amounts that are incorrect o my credit reports. All liens have been paid and should have been removed in 2014. We have spend over {$15000.00} in trying to solve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Consumer Loan (Installment loan) with Renew Financial, LLC (CA).
Issue: Taking out the loan or lease

Complaint: I have applied for XXXX, XXXX of those that uses the XXXX program and Renew Financials finances the projects. The aim is to help adopt renewable energy by providing affordable financing to homeowners regardless of credit, at least that was their goal. 

Renew Financial is instead using loan shark tactics that would not be affordable or they take insane amount of charges and APR! Yes, we can chose not to use them, but this is deceptive in a way that if you do n't read the fine print, they are actually contrary to the spirit of the program. 

Why are their interest rates and fees so horrendously high? 

Amount that I want financed : {$36000.00} Total Costs and Fees tacked on to the loan principal before financing : {$6700.00} That is already a whopping 18.634 % upfront cost tacked on to the project! And then they piled up an effective APR of 9.24 % for 25 year term. 

The upfront costs alone should have made this APR 0 % because the upfront costs are a total of 18.634 % The total payment for a 25 year {$36000.00} loan for XXXX becomes {$100000.00}!!! 

How could they get away with this? They are like PayDay companies! 

Are loan sharks now being endorsed by the XXXX program? This is very very very bad! This is such a ripoff and it is n't helping the country move into renewables!!! They are an impediment to saving the planet! 

How can these loan shark tactics be justified? I think Renew Financial that funds XXXX by turning it into a sham and a would be waste of time because of the terms of the financing inherent.

Company response to consumer: Untimely response
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Medical) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.

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 (Credit card) with URS Holding, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a paid XXXX account reporting on all XXXX of the credit report agencies.  The original creditor has requested that this account be remove from my credit profile on the XXXX credit reports but XXXX refuses to do so.  They also never updated my account as paid with XXXX.  This is a very shady company as I am sure you get several complaints about them.  I would like the account removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a request to Experian on XX/XX/XXXX, asking that agency to investigate errors that appeared on my credit report. They are supposed to respond within 30 days, but I have not yet received any correspondence from Experian.

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 06-03-2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no contract or knowledge of the account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 12/14/2015 about Credit card () with PAYPAL HOLDINGS INC. (OH).
Issue: Advertising and marketing

Complaint: Ebay listing RE : XXXX clearly showed Paypal credit as a payment option. When I went to checkout the option was not there. I pressed the Paypal button and no Paypal Credit option. I pressed Paypal and was not transmitted to my Paypal account to select Paypal credit. Instead my bank account was illegally accessed and {$150.00} withdrawn by Paypal. This has happened before with Ebay where there was a glitch in their system. I contacted Paypal credit and was not able to resolve this with them. They insisted that the seller did not offer Paypal credit despite the fact that their listing clearly shows Paypal Credit. I notified them that I would be registering an attorney general complaint. If still not resolved we will seek legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Alliance Collection Agencies, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX was my first dispute with the collection agency. I sent a letter XX/XX/XXXX requesting information that proves I owe the debt. I asked for documentation with my signature of the alleged debtor where I promised to pay the original creditor. I asked for a complete payment history on this account, copies of any papers that showed I agreed to pay what they alleged I owe.On XX/XX/XXXX they sent me a validation letter with a generic itemize bill with procedures and charges. They also stated saying that my name and address was correct and the debt belong to me. I sent another letter XX/XX/XXXX stating that they had fail providing me with satisfactory proof and information that I owe this debt. They could not prove I owe this debt and was asked to stop reporting to the credit bureau. I believe the documents that were sent to me is a Hippa violation.

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 07/13/2016 about Credit reporting () with MicroBilt / PRBC (formerly CL Verify) (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I spoke with XXXX XXXX, formerly known as XXXX XXXX and their affiliates XX/XX/XXXX about a discharged debt from XX/XX/XXXX that was placed in collections. This debt was filed in Chapter XXXX Bankruptcy as of XX/XX/XXXX, and discharged XX/XX/XXXX. I spoke to them and was advised to speak to the collections agency, and attorney that it was placed with, after speaking to the collection agency, i was advised that the debt was reporting correctly as discharged. I called them back and was advised that the supervisor would be assisting me in taking care of this situation. I tried to call her after a missed call, and never received another call. I received my consumer report from Microbilt and never received a response in regard to why this showing on my credit as well as why it still showing as a debt with XXXX XXXX ( better known as XXXX XXXX ). I 've recently spoken to XXXX XXXX who stated that they were not aware of this account being in bankruptcy, which is incorrect information they were informed months ago, as well as by me last month, and then blamed my attorney stating that they were n't able to contact him regarding the debt. Everyone received a letter from the court advising them of the discharged debt. XXXX XXXX aka XXXX XXXX is no exception. The person i spoke with the manager ( XXXX ) who had a very distasteful attitude with me, because i was upset about her disregard for the fact that the company was very aware of the CHXXXX and been given time between my call early last month, as well as my dispute, still i have not received a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (MO).
Issue: Money was not available when promised

Complaint: Lies, manipulation and refusal to escalate the situation to an authority figure who has the means to get the issues resolved. XXXX dollars was removed from my account with a promise of XXXX dollars being available on XX/XX/XXXX on my Google Wallet card. Google removed the entire XXXX dollars from my bank account on XX/XX/XXXX. Every time a call and plead for help, I get same scripted response. My holiday, my XXXX is ruined and I can not provide a proper XXXX meal to my family because of this. This is beyond painful, embarrassing and disheartening. I have been an advocate for Google, their products and services. They have not been an advocate for me. 

Typically, the transfer is instant. This time there was a delay that I was unaware of until I completed the transaction. I was given a date of XX/XX/XXXX. The morning of XX/XX/XXXX it was not available. I called and spoke with someone who claimed to be in management. No help given. Just lies about funds being released that day. I have emails and recorded calls to confirm. 

Google took money out my account and refused to credit my card for the transfer. With an inconsistent answer as to why, they credited me XXXX dollars for the inconvenience. That too was a slap in the face. 

The managers I spoke with told me that they do not report to anyone, which was insulting as I know there is a hierarchy of authority in all corporate settings. I will be without a XXXX meal for my family due to this. 

Something has to be done to right this wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I previously represented XXXX XXXX, whose address is XXXX XXXX XXXX XXXX, XXXX OH XXXX, in a foreclosure case in the XXXX County, Ohio Court of Common Pleas. The case was styled J.P. Morgan Chase Bank , N.A . v. XXXX XXXX, et al., No. XXXX. The case was closed in 2014 after the client obtained a permanent loan modification from Chase. While the case was pending Chase continued to deliver mortgage loan related documents to XXXX XXXX c/o the building for my law office without specifying any suite number which resulted in non-delivery of some critical documents including the loan modification agreement which was returned to Chase by FedEx. ( Exhibit XXXX ). I requested through counsel for Chase that mailings be directed to XXXX XXXX ' residence but when the problem continued I requested an order from the trial court to force Chase to send mortgage statements and other such documents to XXXX XXXX ' residence. ( Exhibit XXXX ). Today I received a notice from Chase that I have been enrolled in automatic mortgage payments. ( Exhibit XXXX ). I have no account of any kind with Chase. I searched case files for clients who had mortgage loans with Chase and discovered that the XXXX digits in the notice that I received today match the last XXXX digits of XXXX XXXX ' mortgage loan account with Chase. I have taken the liberty of sending her the notice. I am filing this complaint because its deliberate and improper practice of delivering loan documents to this office intended for XXXX XXXX not only breaches its contractual obligations to XXXX XXXX but is illegal under federal law. Chase knows where XXXX XXXX lives. If it is incapable of properly handling her mortgage account then perhaps it should dismantle its mortgage servicing business.

Company response to consumer: Closed with explanation