milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with Alorica Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number XXXX has called me XXXX of times over the last few weeks, often XXXX or XXXX times a day. They never leave a message. I suspect they are a debt collector, but I do n't answer calls from number I do n't know. My guess is that they are just calling repeatedly simply to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 06/28/2015 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (CA).
Issue: Adding money

Complaint: I tried logging into my Reloadit Safe account last night and was not able to gain access so I could unload a card I purchased earlier. 

Now after 24 hours of trying still no access to my account. Reloadit Safe says they sent a email to verify my device but the email never arrived. Made several additional attempts but still no email.Very poor service. This has happened on several occasions in the past by usually resolves in a few hours but not this time. Attempt after attempt just fails. 

Very dissatisfied with the lack of response and ability to contact Reloadit services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX a young man by the name of XXXX XXXX contacted my husband about legal papers that would be served to me on Thursday, XX/XX/XXXX. I was confuse, so I contacted XXXX and he stated that he had authorization to serve me papers. So when I asked him papers for what he told asked me was this the first time hearing about this. I told him yes and I wanted to get more information about the debt. So he stated to me by law they should have notified me about the date before legal papers are served. XXXX XXXX connected me with a XXXX and when XXXX answered her line she indicated that she was with XXXX XXXX and she was collecting a debt for Advance America, she stated that Advance America has sold the account to her for collections. She told me the debt was for XXXX and they did not collect it from my bank so she is trying to collect it. I told her I did n't get notification from Advance America or XXXX XXXX and I need to get notification that the debt was not paid. I explain to her that Advance America did n't call me or did n't send me any correspondence about a debt, so how is it that XXXX XXXX want to serve me papers on something I am not aware of. XXXX for XXXX XXXX stated that by law Advance America does not have to notify me and the account has already been sold to them. She demanded XXXX by XX/XX/XXXX and indicated that she could take another XXXX on a later date and that would settle the debt. I told her ok, but before I give my credit card number over the phone I need paper work explaining the debt and where I could send the paper work too. XXXX indicated the only way I could get that information is to lock in a payment with her today and I refuse to give her my personal information over the phone. I called Advance America head quarters and they explain to me that the debt was sold and no they did not notify me because they just sold the account on last month. They indicated that they sold the account to XXXX XXXX XXXX and the number was XXXX. but they never heard of a XXXX XXXX XXXX First they called my husband about the debt and secondly they gave me false information about the debt. and I never received collection notifications about this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Medical debt) with Central States Recovery, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've mailed out disputes to all  XXXX  credit bureaus on  XXXX   XXXX ,    2017  regarding a collection account from Central States Recovery for {$350.00} and they have fail to comply with sending me the verifiable validated physical proof I requested as I exercised my right of the FCR A # 811 and FDCPA # 809.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with Allgate Financial, LLC (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I already have a case # XXXX, in their reply they said the debt had been sold. I have been trying to contact Equable Ascent Financial LLC to see why if the debt was sold is there a court date with Equable Ascent Financial LLC. I can not get ahold of anyone, the phone number I find online has been disconnected. I would like to speak with a representative from Equable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower has made multiple requests for pay-off over a period of years. Pay-off requests were ignored or delayed for years ; when pay-off information was provided by the Bank 's XXXX Attorney the amount was off by approximately {$30000.00} and included improper fees. Bank 's Attorney only provided a pay-off that was good for 2 weeks. Requests for documentation to support Escrow/impound overdraft fees by the PNC remain unanswered. Requested copy of Appraisal completed XXXX/XXXX/14, PNC agreed to provide, however as of this date they have not provided. PNC constantly requests the same information from the borrower, everything requested for modification provided. PNC Representative stipulated in mediation everything provided, however 2 months after the mediation notice received that modification denied because all documentation not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has indicated that my wife as well as my own personal and secure data has been compromised due to lacking security measures. Equifax failed to release this information in a timely manner and even let their employees sell stock before it became public knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CO).
Issue: Deposits and withdrawals

Complaint: I sold XXXX items on eBay and the items were successfully mail with tracking and received by the buyers, PayPal placed my funds on hold for 21 business days to make sure there were no conflict with me and the buyer. My funds then were released more that a week ago and I moved a portion to my savings account with my credit union. A few days from today, PayPal placed a restriction on the remaining funds in my PayPal.com account and has provided an erroneous reason why my funds are being held and why my account blocked. I called and email PayPal customer service and they simple told my PayPal no longed want me to use their service but they are unwilling to give my my money back also. PayPal want me to give them my passport copy, my state id copy, plus back statements and I refuse to give them this information because PayPal already have my social security alone with other information about me and how I look like. I feel PayPal is practicing abusive behavior and manipulating users in order to hold their funds in PayPal rather than the user moving the funds to their banking institution.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Good Morning, this letter is regards to and issues with my personal information. I have tried on several accoucation to fix m y personal information with ojt any success. 
The personal address and no other address on my credit report should be as stated blow. 

XXXX XXXX -- -- -- -- -- -Only Please delete any other spelling or other names XXXX XXXX XXXX XXXX PA , XXXX Date of birth XX/XX/1977 My phone number is XXXX : Please update this information. I have enclosed my Driver Id for proof of address and date of birth. 

Thanks 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 03/16/2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My Mother was told that her XXXX status would be revoked, and she would be XXXX. Hhat her social security pension would be garnished and that all the money in my husband 's bank account would be also taken. That President Trump had changed the law and that she had to pay this debt. This is over 19 years old. The used abusive language and under duress they took advantage of a XXXX yr. old senior who gave them her credit card information. So far they took 2 payments one for {$480.00} and another one for {$1000.00} I am working with the credit card company and have reported this {$1500.00} dlls charge as fraudulent. I want to make a formal complaint about this ARA XXXX company in Illinois. Collection manager name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I re-financed a private student loan serviced by AES. AES received the payment from my new lender on XX/XX/XXXX. AES told me they did not mail a check for the amount of overpayment ( {$470.00} ) until XX/XX/XXXX. The overpayment resulted from a delay in when I applied for a refinancing loan and when the documents were signed. Despite AES 's claim that this check was sent to my new lender on XX/XX/XXXX, the new lender 's servicer did not receive the refund until XX/XX/XXXX. This seems to be an unconscionable delay, as I was charged for XXXX months of interest on this overage amount. A refund of an overpayment should not take XXXX months in this digital age and overpayments appear to be an unavoidable consequence of the delay involved in reviewing refinancing offers. A XXXX issue I have with my new loan servicer ( XXXX XXXX XXXX ) is that the refund of the overpayment was not reflect on my online account - I had to call them to request a special payment history to receive an explanation of how the refund was applied to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (IL).
Issue: Settlement process and costs

Complaint: PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. 
XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. 

PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. 

This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. 
I would like to have my {$650.00} back. 

I have filled a complaint with the Attorney General 's Office, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing is showing on my credit report that I owe {$55000.00} on a mortgage that was discharged in a charged in XXXX XXXX bankruptcy on XXXX XXXX, 2013. I have attached my credit report, the Bankruptcy Trustee 's Report of Receipts and Disbursements, a letter showing that I completed all of my bankruptcy payments, XXXX from the bankruptcy filing showing that Ocwen was included in the bankruptcy and the letter from the bankruptcy court showing that my bankruptcy was discharged and my plan was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (MA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.

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 12-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: When I was based in XXXX XXXX, as a XXXX the agency that prepared my taxes did them wrong. They filed me as XXXX State resident when they were supposed to file me as a XXXX State resident because I was a resident of XXXX, under United State military XXXX status based in XXXX. As a result of the eras that were made on my state taxes it looked like I owed the state of XXXX {$2400.00} in taxes, penalties, interest, and collection fees. I did the necessary paperwork to fix the issues and got the state tax lien released XX/XX/2012 while I was still in the United States XXXX. The problem I 'm having is the lien is still showing up on my credit reports which is very damaging to my credit scores. I am now a United States XXXX XXXX veteran father with a family of XXXX trying to buy my first home. Could you please help me by removing the lien from my credit report or let me know what I need to do to have it done. I have a copy of the lien release if it is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I notified XXXX with Diversified Consultants, INC over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from XXXX XXXX XXXX XXXX XXXX who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX collection needs to verify account or remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Credit card protection / Debt protection

Complaint: ON XXXX/XXXX/2016 @ XXXX 
I phoned AMERICAN EXPRESS & advised a female representative to CANCEL ALL BUSINESS with AMERICAN EXPRESS et al ; due to their inability to correctly respond to fraudulent activities reported to AMERICAN EXPRESS & police by this author ; & AMERICAN EXPRESS failing to assist with the prosecution of the offender. 

ON XXXX/XXXX/2016 XXXX My wife & I submitted e-mail to 'AMERICAN EXPRESS ' documenting our previous verbal cancellation. 

YET, WE CONTINUE TO RECEIVE mailings from AMERICAN EXPRESS ranging from 'ACCOUNT IS PAST DUE ', 'FAILURE TO PAY ', TO the receipt of TWO NEW AMERICAN EXPRESS cards (! ) ; that included a notation- " You can cancel your card without obligation to pay any fees or charges until you se it to make a payment. '' Both my wife & my AMERICAN EXPRESS cards were destroyed on XXXX/XXXX/2016- the date of our cancellation. We have made no attempt to do business with AMERICAN EXPRESS since in any way, shape or form ; & wish their mailings to cease, immediately ; as these mailings now should be considered harassment by mail. Postal authorities will be notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I bank with Wellsfargo and I made sure to deposit enough money into my account to clear all transactions for the day ( XX/XX/2017 ). I made sure to deposit my cash before the cut off period of XXXX and at I checked my balance afterwords to show that my account balance was positive. Wells Fargo then processed XXXX ACH transactions at XXXX as part of the same business day causing XXXX overdraft fees. I believe that this may be considered malpractice as there is no way for me to deposit money into my account during the window ( XXXX - XXXX ) in which they are processing these transactions to cover the transactions. I believe that if they are going to process transactions out of my account I should have the opportunity to process transactions into my account. Also FYI, my direct deposit went into my account the next morning.

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 05/26/2016 about Debt collection (Credit card) with Cornerstone Legal Group, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am very concerned that I was scammed by cornerstone legal LLC! 
They will return my emails or phone calls and I 'm now getting sued by credit card companies!!

Company response to consumer: Untimely response
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: iam unable to obtain my  XXXX   XXXX  because of wrong personal date of birth on my account, the wrong birth year is  XXXX , whilst my correct date of birth is  XX/XX/XXXX , i have attached my credit report showing this information and my state id and passport showing my correct date of birth

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 09/14/2017 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: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXXt XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized please remove them from XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation