milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never opened a Pay Pal credit account. Despite that I am now receiving calls from XXXX, a collection company acting on behalf of PayPal Credit, demanding that I owe them over {$1000.00}. This is absurd. I have never received anything in the mail or by email regarding any such account, charges to any such account or anything else. I assumed this was a phone scam of some sort, but XXXX XXXX XXXX appears to be a legitimate company

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: OnXX/XX/XXXX my card was charged with a fraudulent charge of {$640.00} to XXXX for a hotel. My card was then frozen for security purposes. After 3 1/2 weeks of never receiving a new card, I called and requested a new card. They sent me a card with the same exact numbers ( including CVV number ). As of XX/XX/XXXX, the charge was still listed on my statement showing that my balance was {$910.00} including the fraudulent charge. I called ( for XXXX only knows how many times now ) on XX/XX/XXXX and they said that the charge would be removed within 24 hours. I specifically asked if that was 24 business hours, or 24 real hours, which they answered as 24 real hours. So, I went to pay my bill on XXXX and the charge was still there, but now my balance is {$1500.00} which means there are more fraudulent charges ( thanks to them not sending me a card with new numbers, therefore reactivating the old compromised numbers ) on the card, because as of XXXX the card was disabled ( again ) and I did not use it. I called onXX/XX/XXXX and they said that there was no one there able to help until Tuesday and that a new investigation would need to be reopened for 7-10 business days. I understand that it is a holiday weekend and that XXXX is tomorrow, but I have been fighting with them for 6 weeks almost and keep getting the runaround. I even asked if they could send someone an email to have them look into it on Tuesday, and they said no.. I can not continue spending hours every day on the phone with them In my honest opinion, I think they are trying to not eat the charge from XXXX as they keep telling me that it will be removed and it never gets removed. The bill is due soon and I will not pay the money, because then I KNOW I will never see that money come back. 

In addition, why did they send me a card with the same numbers and now have MORE fraudulent charges and now do not want to remove them.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 12-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A few years ago I noticed that I had 120 day late payments on my credit report from student loans while I was still attending school. I contacted my servicers for years about these late pays and inaccurate reporting 's. It was n't until earlier this year that I had even been told about the Forgiveness payment income plan. Navient refuse to work with me on multiple occasions after I had graduated and was enrolled to start my XXXX XXXX XXXX at another college but was waiting for the start date but because my end date with XXXX XXXX and my beginning date with XXXX XXXX University was outside of six month. They also started marking my loans late again even though they seen I was getting ready to go to school and told them I had no income and they refused to fix my credit report. For years now I have had to pay higher interest rates or been denied credit due to these late pace or inaccurate reporting 's not to mention I was never informed of the income payment plan until a friend of mine told me about it. I also just became aware of the XXXX XXXX College lawsuit for students like myself who were crowhurst into attending school there being told that are credits we 're good credits and transferable to other schools and then they were not {$28000.00} later I had went to school for 4 years for a XXXX XXXX that never really existed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 settled with XXXX XXXX XXXX for less than the full balance and disputed with XXXX and Transunion for this account to be removed. This account should no longer be reporting on my credit report.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, XXXX, EQUIFAX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX,XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an old Child Support case that by law should have been removed 2 years ago. I called the State that established and Closed the Case in XXXX. They said that indeed the case was closed, balance zero, and they were n't reporting it to any agency. I disputed it first with Experian in XXXX XXXX. They sent me a report stating that by law this case/account would be deleted 7 years after the case was closed and paid. So, by that it should be OFF my report as of XXXX, which it is not.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Credits were issued to my Capital one Account ending in XXXX today, XX/XX/XXXX. These credits are provisional, related to dispute case ID XXXX. The credits total an amount of XXXX which includes adjusted interest. These credits are for two purchases made on XXXX, shipped in XX/XX/XXXX which never arrived and is past 60 day time frame to file claim with USPS. Merchant refuses to do anything. Due to status of my account, which is closed or pending closure, I am unable to make any type of withdrawal. The dept handling account works off a voicemail and does not return calls, I know this from past experience. I understand the credits are provisional, the dispute is still on going, there are two additional merchants under this claim, XXXX and XXXX ... .These purchases are fraud, someone hacked into my XXXX account or obtained password, made a purchase on it. The item from XXXX is something I have no information about, I was referred to bank by both merchants to file claim for fraud. XXXX will not cooperate, their tracking info shows items delivered/left in a parcel locker which I do not have one at my address. Once this claim is finalized, I need funds sent to my XXXX account which was or is linked up as an external account or a check mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I was a victim of identity theft and followed the procedures outline by the FTC guidelines as found here : XXXX XXXX the FCRA B requires that the credit reporting agency " Block the reporting of any information ... not later than business days after the date of receipt ''. 
Experian, XXXX, XXXX have refused to acknowledge such after receiving all required documents including : proof of identity, copy of identity theft report, consumer statement, etc. 

They are playing games and keep sending me documents by mail that state that I have not provide sufficient information. This is a blatant lie. I have mailed all required identifying information required by the FCRA certified mail and have proof of sending ledgible copies. This is a tactic for stalling and not following the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: Hello, I am a consumer of the Macy 's American Express Credit Card. I had a zero balance on my credit card. In XX/XX/XXXX2015, there was a purchase that was made at XXXX XXXX XXXX restaurant. This purchase I inadvertently used my Macy 's American Express Credit card. I did not remember that I used this card. On XXXX XXXX, I go into my e-mail and there is a bill with a late fee. I then logged into my account, and began reviewing statements. I then see the charge was from an XXXX XXXX purchase. I immediately contacted customer service. The customer service department was not only rude they were not helpful. 


I had over {$180.00} in late charges for this {$35.00} purchase. I asked customer service, why did n't I receive a telephone call after the first month of not receiving a payment. In addition, this is not the norm for my account because I have paid this bill completely off. Customer Service explained, that because I was signed up for bill pay, which is why I did not receive a call. This account as also reported late to the credit bureaus. I did not receive the e-mail for the bill. I understand that does not negate that I have a balance owed, however it would seem customer service would have contacted me regarding payment. There was no regard for me as a long time consumer of this account, with an excellent payment history. I was told there was nothing I can do regarding this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: M & T bank inherited my mortgage from XXXX on XXXX the time of the takeover, I had a modification agreement with XXXX to pay {$1600.00} per month.I was led to believe that this agreement continued with M & T and paid timely per month.On XXXX/XXXX/15 M & T sent a letter indicating that they were holding {$13000.00} of unapplied funds for me.This was later followed by another letter on XXXX/XXXX/15 indicating that {$15000.00} was past due.The letter further indicated that they were refusing my XXXX payment of {$1600.00} and stated that they were starting foreclosure proceedings.I have been making unsuccessful attempts ever since to resolve this matter with them.They have refused my payments and my house is schedule for a sheriff sale.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with Talbot, Adams, & Moore, Inc. (OK).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you

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 06/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Portfolio several times to ask to show proof that this was my debt and they can not provide any information. They had removed it from my credit during the beginning of the year and now it is back on report. See attached correspondence and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AK).
Issue: Credit decision / Underwriting

Complaint: Freedom Mortgage originally said that they would give a {$2900.00} credit to lure me in. On XXXX XXXX, they then gave me a good faith estimate ( GFE ) for {$1700.00} in credits with no origination fees and then another worksheet that said I would be getting an additional {$1200.00}. They said that they could not put the total credits on the GFE, but would give me the {$2900.00} credit. I did sign this GFE. Then, on XXXX XXXX, they gave me a new GFE for a credit of only {$880.00}. I do not know why they can not put the total credits on the GFE like other mortgage companies. This seems kind of sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 02/23/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello my name is XXXX XXXX and I am disputing inaccurate information found on my report for the following errors, there is an error showing me with a criminal history with a previous arrest record. I have never experienced this situation and also I am a victim of stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account is not mine. I was a victim of identity theft. I submitted a police report and affidavit proving that I was a victim of identity theft. I have disputed this through the credit bureaus and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXXl XXXX 's claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>Please help

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