milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: ON OR ABOUT, XX/XX/2017, YOUR CITIBANK D/B/A CITIGROUP OF XXXX XXXX, NEW YORK HAD WONGFULLY CLOSED TWO OF MY CITIBANK XXXX XXXX ACCOUNTS. THE FIRST CITIBANK XXXX XXXX AACOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE SECOND CITIBANK XXXX XXXX ACCOUNT ENDS WITH THE ACCOUNT NUMBERS OF " XXXX ''. THE REASONS THAT WERE WRONGFULLY AND RACISTLY GIVING TO ME FOR THEIR CLOSING ( S ) WAS/WERE " ACCOUNT ( S ) INACTIVITY/INACTIVITIES ''. BECAUSE OF MY WELL KNOWN AND WELL DOCUMENTED XXXX RELIGIOUS BELIEFS, YOUR CITIBANK HAD TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY CLOSED MY TWO AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS AFTER REPEATEDLY REFUSING TO LIST MY COURT ORDERED NAME CHANGE OF " XXXX XXXX '' ON BOTH AFOREMENTIONED CITIBANK XXXX XXXX ACCOUNTS. WITHOUT MY XXXX NAME BEING LEGALLY LISTED ON SAID TWO CITIBANK XXXX XXXX ACCOUNTS, I WAS UNWILLING AND/OR UNABLE TO USED EITHER ONE OF SAID XXXX XXXX AND/OR THE BOTH OF 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 explanation
Consumer complaint received 04-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX sent via USPS certified mail requests to verify this debt and the company has not responded with any information to verify it. I had no dealings with this company they are trying to collect for. They also have refused to show proof licensing in my state, proof they own the debt, any detailed information on what the money is for, or how they come up with their calculations, copies of signatures showing I purchased any item, any payment history on alleged debt. They first replied they did not understand what I was asking for. After the XXXX certified letter, they said I did not submit sufficient information to investigate my dispute. This collection agency is the one who has come after me, left bad credit reporting, and for a company I never have done business with - the collection agency should have information to see what this debt is for, after all I do not have any further information, as I had no dealings with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 have  XXXX  items on my credit profile that is inaccurate and I have disputed this 7 times and each time the credit bureau says that they have validated and verified that the items are accurate but I know that they are not because  XXXX  of the items is the same creditor with different amounts due and they just updated my credit profile on  XXXX / XXXX / XXXX  adding an additional {$7800.00} owed when this account is over  7 years old. The  last dispute was done  XXXX   XXXX  . (   XXXX  & Transunion ) are the credit bureaus that  is still reporting this item *Twice* The other item that I had disputed was in litigation and should have been resolved due to an consumer complaint I had filed against the company and to no avail has this been verified or validated, just another case of the credit bureau saying that it is valid without further investigation. The amount is inaccurate because this item should have been removed due to the litigation. I have been disputing this item since  XXXX  and the last dispute was done  XXXX   XXXX   (  XXXX  &   XXXX    ) are the credit bureaus that is still reporting this item.     The final item is another case through the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and a vehicle that was sold to me was sold as a vehicle that had passed emissions and to later find out that the vehicle could have caused a fire and put my life in jeopardy, which I filed another consumer complaint with the   XXXX   XXXX   XXXX   XXXX   XXXX    and  their emissions department. I had  an independent Arizona State  official emissions officer inspect the vehicle and had not seen any  prior emissions records that was done prior to selling me the vehicle which I have submitted documents to   XXXX   who is reporting this item to verify and to no avail I was unsuccessful in the validation/verification of any findings. I have been disputing this item since  XXXX  and each time I try to resend the information for verification their response is that the item is valid. The last dispute was done  XXXX   XXXX . The down payment was refunded  XXXX   XXXX  in the amount of {$1000.00} after disputing the problems with the government agencies.

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 06/23/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, i submitted a mortgage assistance request to servicer Wells Fargo Home Mortgage, however the servicer failed to acknowledged or process our request. <P/>We contacted the servicer in regards to our request and was told that they will not process our application despite that the account was assigned to a specialist. We ask why then assign our file is your intentions are not to process? The reply was because those letters are computer generated when ever a customer is in default. <P/>On XX/XX/XXXX, I re-submitted the mortgage assistance request before the HAMP process deadline. See attached documents probing the allegations. Wells Fargo Home Mortgage failed ones again to acknowledged our request. The department of treasury issued the " HAMP Handbook '' for servicer 's to comply with certain areas of the law in connection with the loss mitigation options. Section 4.5 of the HAMP Handbook - states very clear that upon receipt of a complete mortgage request application and financials, servicer are to " acknowledged '' receipt of and sent notices to the debtor within " five business '' days. Ones again Wells fargo failed to " acknowledge '' our request. Therefore we can safely say that Wells Fargo Home Mortgage is in violation of section 4.5 of the HAMP Handbook.

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 Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: Pay Pal created a credit service on me without my permission. I found out in XXXX of this year that something that I had purchased online using Pay Pal and thinking that it was on the " Bill Me Later '' system, I 'd get a bill for it and pay it. They created a new credit service and I never heard anything about it until I was going into debt collection, now I owed fees. I paid the amount and the fees at that time. Then again I bought something on-line and used my credit card, so I thought. Pay Pal apparently could n't collect from that credit card so they charged that Pay Pal credit again and again I do n't hear anything about it until its now in XXXX 2015 and now there are late fees that are attached doubling the amount owed. I again had to pay that yesterday. Now I hear that there is a class action against them for this same thing with others. Who do I talk too?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (GA).
Issue: Taking out the loan or lease

Complaint: Lease is up on vehicle, I inquired about purchase option with Ally Financial. They are not recognizing the purchase option amount in my contract ( equal to residual, with no fee for purchase option ). The amount they quoted was 2,500 higher than the residual value stated on my contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Kansas Counselors of Kansas City, Inc. (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX I disputed inquiries reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXXthat the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

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 07/19/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Delinquent account

Complaint: When I went to XXXX to make a purchase I was asked to apply for their visa card to get a discount on my purchases. 3 months later ( XXXX XXXX 2015 ) I get a call from a collection agency telling me I owe a balance that I have not paid and they have put my " Delinquent '' account in collections. I was shocked because I always pay my full balance as soon as I get my statements. In this case I never got even one statement from this company. They told me the address they sent it to and it was not my address. It turns out that the bank handling the card " Synchrony Bank '' had made a mistake and sent it to a completely different address in a different city. I told them my address and also told them to get me out of collections immediately since it was their mistake. I would happily pay my original balance without the fees attached but they would have to correct the balance and send me a statement first. Nobody on the phone was helpful in this case. They have given me a bunch of different numbers to call and when I asked for a supervisor to correct this situation nobody came to the phone and left me holding the phone for a while. I finally hung up and tried to call XXXX headquarters and the bank themselves but when I called the bank number an automated message came on saying my account has been sold to another company. I am very disappointed and angry. I just want to pay the amount for my purchases ( XXXX ) and I 'm not responsible for their mistake. They need to mend what they have done by correcting their report to my credit. I did not deserve any of this. I am going to complain to XXXX as well and will never shop there again and will make sure I will make sure my friends and family will not shop in Gap either. I 'm still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Consumer Loan (Title loan) with Car Cash of Lawrenceville LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: Recently I began to be harassed via text messages by this compa ny. Car Cash of Lawrenceville.  Located in  XXXX  GA.   XXXX   XXXX   accepted my payment agreement for this months payment and because I asked to please stop texting me at work, she began to get nasty and advised that I must pay the corporate office not only this months payment that is due  XXXX   XXXX     XXXX    but also next month 's payment due on  XXXX   XXXX   XXXX  immediately. She is being spiteful and threatening a warrant for my arrest and says if I do not bring the car in immediately they will reposess it. I am not 30 days late. My due date is  XXXX   XXXX   XXXX  and I advised  XXXX  that I would pay that before the end of the month which she said was actually ok to pay by the middle of  XXXX . I have attached the text messages and her latest email to me advising that I owe more fees and money than my knowledge. She and  XXXX  who also calls herself  XXXX  on my voicemail have told me they will not accept my monthly payment without  XXXX  's included. I never signed paperwork that I must pay a payment month in advance. I am paying my responsibility to them and because I did not give her exact dates on the spot and asked her to please stop texting me during work hours, she now is angry and demanded full payment or my vehicle!! I have been paying this title loan since  XXXX    XXXX   and even if I was late with any payments   XXXX   advised me that it was ok as long as I communicated that with her and the next date that I can pay. Now I am afraid for my life and my children 's as these people are threatening my safety and saying that I have to go to court in order to keep my car,,, but for what?? I am within a week of my due date and they say they will not accept it. I also did not sign paperwork in my initial ; contract that they can reject a payment without reason whenever they choose. Please Help!!!

Company response to consumer: Untimely response
Consumer complaint received 07/27/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Using a debit or ATM card

Complaint: A dispute was filed for a debit card purchase made on XXXX XXXX to XXXX of XXXX, this is a deposit on a vehicle. The dealer was unable to secure the right financing and unable to place order for vehicle, this is a special order for a vehicle not available on their lot.. The time frame for production is 6 to 8 weeks, the car was not ordered and deposit should be refunded. Please note, all this information was included in dispute or should have, it was all explained to rep who took dispute on or around XX/XX/XXXX. I called today XX/XX/XXXX to inquire about status was told an email was sent on XX/XX/XXXX asking for additional information which is more than likely already included in dispute, I have nothing else to explain or inform of. I have received no such email, it was supposedly resent twice and still not received. I wish to reiterate that any and all information was already provided previously to rep who took dispute, its a shame Paypal plays games like this, asking for more information and supposedly resending an email which is not received. Please note, the original email was also not received. Please advise them I need credit for this dispute ASAP and should refrain from requesting info they already have or should have, playing games with their emails.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, someone accessed my PayPal account, attached a credit card to my account and withdrew {$500.00} and {$220.00}. 

I have notifications turned on and was informed of the transactions when I awoke. i called PayPal ( I was in XXXX XXXX at the time ). They activated their process on XX/XX/XXXX, and sent me an email with the following information. 
-- -- -- -- -- -- -- -- -- -- -- Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$500.00} USD Recipient email : .. 
Transaction ID : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$220.00} USD Recipient email : .. 
If we confirm the transaction ( s ) were unauthorized, we 'll refund you the full amount. Well also reverse any unauthorized activity or assist you in restoring your account. 
-- -- -- -- -- -- -- -- -- -- -- On XX/XX/XXXX, they sent me an email " Case update : XXXX '' stating Hello XXXX XXXX, We 've determined the payment ( s ) in question were unauthorized and have refunded the full amount. 

Here are the transaction details : Date : XX/XX/XXXX Transaction amount : {$500.00} USD Date : XX/XX/XXXX Transaction amount : {$220.00} USD On XX/XX/XXXX I inquired about when the funds would be restored to my account and they replied ( vaguely ) the next day. 
-- -- -- -- -- -- - We 've sent you a reply to your inquiry This reply can be found in your Secure Message Center Visit the Secure Message Center -- -- -- -- -- -- -- - The reply was a generic 'when you 're due a refund ' message that outlined that it took various amounts of time to get funds ( back ). 

It is now XX/XX/XXXX and they still have not restored the {$720.00} to my account.

Company response to consumer: Closed with monetary relief