milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I participated in the " Payment Safeguard Classic '' program provided by Citibank through Citi/Aadvantage XXXX XXXX MasterCard. One of the benefits in that program is called Auto/Home/Renter Deductible : " Either the Account Balance Credit or the amount of the deductible whichever is less, up to {$500.00}. The Account Balance Credit is equal to the new balance shown on your statement for the billing period in which the loss occurred. '' On XX/XX/XXXX, I got a car accident and my car insurance paid for the repair but subtracted the deductible of {$500.00}. For that billing period ( XX/XX/XXXX-XX/XX/XXXX ), my statement balance is {$500.00}, so I submitted a claim of {$500.00} ( on XX/XX/XXXX ) as per the  Auto/Home/Renter Deductible benefits. However XXXX XXXX ( the insurance/service provider of Payment Safeguard program ) refused to pay the coverage. They told me the " loss date '' was defined as when the deductible was paid and according to my car insurance company record, they sent me a check to cover repair payment on XX/XX/XXXX which was in the next billing period with no balance. XXXX 's definition of " loss date '' does not make sense to me as I suffered the loss on the day when the accident occurred ( XX/XX/XXXX ) and I have no control over when the car insurance company cut a check to cover my repair, so I asked XXXX where I could find the definition. XXXX told me it should be somewhere in the program T & C. I went back to check the T & C and found no such definition. When I called back to ask for clarifications, I was then told it 's a well known definition, so they do n't have to put it in the T & C. I think they just refused to honor the coverage benefits regardless of the program T & C. I have attached XX/XX/XXXX 's latest version of T & C to show the fact that there is no definition of " loss date ''. I do n't know XXXX 's real intention of not providing clear definition of such an important term. However I believe a generally accepted definition of " loss date '' should be the date when the accident occurs.

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 03-07-2018 about Debt collection (Other debt) with Southern Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2018 company put a collection on my credit that's not mines, asked them to validate the debt. they said they don't need to and hang up phone

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 12/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Other

Complaint: Hi, I am one of the many military members who was offered Barclay 's XXXX XXXX XXXX a MasterCard credit card ) with the waived annual fee of {$990.00} because I was on XXXX XXXX. Unfortunately, I just received a letter from Barclay 's that says they are changing their policy and will now be charging the standard {$990.00} fee. My primary complaint is this appears to be a blatant " bait and switch '' tactic which will have an impact on my personal finances. If Barclay 's would have been upfront about their intention of charging their annual fee after 18 months, I would have quickly passed on their offer. Unfortunately, I accepted their offer, canceled my other cards ( thinking my Barclay 's card would now be my primary card ), and now I 'm stuck with having to cancel the Barclay 's card and find another card to use.

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 05/20/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Optimum Outcomes is reporting to XXXX a collection in the amount of {$740.00} for XXXX XXXX with a delinquency date of XXXX XXXX. I was seen at XXXX XXXX in fall of XXXX but medical insurance paid the full amount since I had met my deductible. I have lived at my current address in XXXX since XXXX XXXX. I never received a XXXX day collection activity from Optimum Outcomes and it was reported to XXXX XXXX credit file without me being able to fully validate debt. Optimum Outcome is in direct violation of federal law by reporting inaccurate debt by re-aging the delinquency/open date to XXXX XXXX which is illegal. If this debt did occur it would have been in XXXX and the delinquency date would have started then, but since I tried disputing the debt, I am unsure if I owe this medical debt which also violates HIPPA Laws. I did dispute the debt but it remains on my credit file and has been being reported since XXXX XXXX. Since they have re-aged a debt or received misinformation from XXXX XXXX XXXX XXXX XXXX and reported inaccurate information they Optimum Outcome is in direct violation of federal law under the FCRA. If the collection item is not deleted I would like FCRA penalties and fines against the reporting company, Optimum Outcomes. I have lived in XXXX since XXXX XXXX and can prove this address was on my credit file then and proof of employment starting in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section 623 within 30 days. This was n't done and section 623 states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section 1681 so why are they still on my credit report?! 

Here are a few examples : XXXX is reporting different open dates than the other 2 bureaus TransUnion is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all 3 bureaus XXXX and TransUnion is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.

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 04-06-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have had a home mortgage through XXXX XXXX XXXX for the last 5 years. 

XXXX XXXX XXXX notified us on XXXX XXXX that our mortgage was being transferred to Carrington Mortgage Services on XXXX XXXX, which I believe is less notice than required ( is n't it 15 days? ) Carrington has not contacted us at all about this transfer, and it is now XXXX XXXX. We want to know what we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX XXXX, 2017 of this year a Massachusetts Judge dismissed a lawsuit that Portfolio Recovery had brought against me and the could not prove that they were the rightful owner of the alleged debt. See Court Case # : XXXX public record on XXXX They have been Reporting to XXXX  credit bureau that the debt is valid and have done harm to my credit report and it has adversely affected my credit score. I need this removed from all credit reports immediately. If this is not swiftly addressed I am filing suit against them for their continued blatant disregard of the law. 

Please see attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Managing the loan or lease

Complaint: I have a loaned of {$3000.00} on XXXX 2014, My balance never goes down I am late with my payment sometimes. All the payments its goes only in the interest because of being late and charged me XXXX a day. I almost paid about XXXX or more but my balance still {$2800.00}. If i do not pay on time my payment will only go on interest.. This is too much interest. The company is Consumer porfolio services of california. Its located at XXXX california. My name is XXXX XXXX XXXX, MY PHONE XXXX MY ACCOUNT NUMBER IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Medical) with AR Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX negative accounts on my XXXX Report from AR Resources Inc/XXXX. Those accounts are paid in full, because I have XXXX Insurance and when I got to the doctors or hospital XXXX pays my bill in full. 
Please assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (DE).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: I been trying to get my money every sense XX/XX/XXXX and still as of today I still have nothing I have all the supervisors names I have talked to I kept a record of every time and date and names of whom I have spoken to no one seem to want to help me get my money i 'm on the erge of being homeless I have my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I keep calling and calling to the point they know that I have been calling every sense XX/XX/XXXX its now XX/XX/XXXX I just called them today as at XXXX XXXX I really do n't know what more to do I have  done everything that they have asked me to do I now have 4 pay roll checks on a card that I ca n't even use here is the amounts : {$240.00}, {$550.00}, {$800.00}, {$840.00} and I ca n't get none of my money they keep giving me a run around and I do n't this is fair to me what so every.

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 08/13/2017 about Debt collection (I do not know) with Selip & Stylianou, LLP (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In a written letter to Selip and Stylianou LLP, I asked the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent However, I was given photo copies of alleged billing statements and that was it. This is a violation of my rights as my debt verification has NOT been addressed. Please see the letter I wrote and their lack of providing me with the adequate information asked below.

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 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/XXXX with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times. I did finally receive paperwork bearing back in XX/XX/XXXX signature HOWEVER as FTC laws state Your company AGAIN did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. therefore this has to be deleted. I have AGAIN pulled my credit report for the month of XX/XX/XXXX and the debt has STILL not been updated. This is the second time in almost a year I 've requested this to be corrected with the SAME result.

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 02-02-2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had a joint credit card with my son through XXXX XXXX in XX/XX/2013. My son has had lots of identity theft, and data breaches to his Social Security Number and personal information. There were multiple charges on his XXXX XXXX credit card he did not make. This negative charge off account was removed from my sons TransUnion credit history but not removed from my credit history through TransUnion. The XXXX XXXX account information is XXXX. I have included a copy of the police report stating one of my sons burglaries and his FTC report involving this account listed.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected back in XXXX. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: Carrington Mortgage Services released my social security number to another customer. That customer contacted me to inform me of what had happened and said they would delete the file. When I went to XXXX XXXX who released my info, I was told that never happens. That is not good enough. I feel that company should provide me with credit monitoring at their expense! This company from the start was neglegant beyond belief! XXXX our purchase property address, which they claim was a mistake on my end of course. I think I now where I live! They sent me a Uniform Residential Loan Application that XXXX XXXX, not myself, filled out showing our present address as XXXX XXXX as well as the purchase property. I also told them my grandmother needed to walk away with $ XXXX, they listed that as the purchase price making that inpossible after all of their fees. Also, he listed my husbands employer as XXXX XXXX XXXX and not his current one of XXXX XXXX. This is not the credit app I filled out! After complaining about these mistakes I was told they fired XXXX and I was not the only loan that he XXXX. I do n't believe that either! After over 60 days of promises to close XXXX different times and providing us with our locked in rate and approval they denied us stating our debt to income was all of the sudden an issue. I saved every email from the start of this companies lies. It is now XX/XX/XXXX and we have yet to receive anything about our denial and why all of the sudden it occured. The whole experience with this company was horrible and they should be aloud to provide servide to anyone!

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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: Since XXXX, I have continuously been a victim of identity THEFT. I have reported this to all three credit bureaus on a number of occasions. I contacted EQUIFAX on several occasions via CERTIFIED MAIL, their website, by FAX and by phone advising that I have no knowledge of the below accounts, I also requested VALIDATION of these remarks and never received validation. To date I still have frivolous accounts listed on my credit report as charge off and or as derogatory remarks. These allegation of having a charge offs or derogatory remarks on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character XXXX statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting. I am requesting that Transunion remove the below accounts from my credit profile IMMEDIATELY as this is a violation of FCRA and FDCPA. 
Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date of Dispute : XXXX/XXXX/XXXX Tracking # XXXX XXXX XXXX XXXX XXXX Creditor/Agency Account Number on CR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Payday loan) with Resource Management Group (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being contacted by debt collector, Resource Management Group XXXX @ XXXX XXXX XXXX, NC XXXX, stating that they are collecting for, XXXX, on a payday loan from XXXX XXXX, 2011. 

I have pulled my bank statements from XXXX XXXX, 2011 and it shows no payday loans received. Resource management group wants me to send them my bank statements from XXXX 2011 but I do not feel comfortable doing so because I do n't know who they really are. 

I asked resource Management group to provide me with XXXX XXXX telephone number and/or address and they said they did not have it. I also asked Resource Management group to provide me with original loan documents that I signed and they said they did not have that either. 

I then asked Resource management group to mail me a bill that explains what to do if I believe the debt is not mine and they said I had no dispute options with them that I needed to contact the original creditor - XXXX - yet they are still concerned with me turning my bank statements over to them. I have participated in payday loans with other companies and I believe my social security number was compromised form those transactions. All pay day loans that I have actually received are paid in full. 

Resource Management Group will not give me any information on the original Creditor other than their name which is " XXXX XXXX ''. Resource Management group is threatening to go on my credit report. I do not understand why this collection effort is starting 4 years after the alleged debt began as well. 

I have placed a fraud alert with the credit bureaus.

Company response to consumer: Closed