milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with D. SCOTT CARRUTHERS (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I requested a credit report on XXXX/XXXX/15 and found that this company, XXXX XXXX XXXX had placed a negative account on my credit report. I contacted them and requested a copy of any contract, policy or anything that shows I have ever given them permission to establish an account on my behalf. I also sent certified letters to them requesting a copy of any documents with my original signature on them as proof that this is my debt. They have refused to provide me with this information and have not responded to my inquiries. I have disputed the account with the credit reporting agency, XXXX and the company continues to report it. I have filed a police report and will began this process to have them remove themselves from my credit report which is now causing me harm when I apply for credit. XXXX and XXXX are not allowing this company to report this account because they have not validated that it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling 2-4 times in an hour. They will call from the same number twice, then call from other lines. I have told them over the phone this number is a work number and I can not receive so many calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an XXXX XXXX credit card with a credit limit of {$110.00}. I lost my job so I could not make the payments. The balance owed on the card was {$86.00}. A collection agency bought the debt and is charging me an unfair price of {$390.00}. I did make a payment to them for {$50.00} on XXXX/XXXX/14 when the asking balance was {$340.00}. I do n't know how or why the balance is now {$390.00}. I did dispute this with the credit agency but they said this is justified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USCB Corporation (TN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: My daughter was XXXX from XXXX XXXX but it was n't working for her. They blocked her from furthering the program because I was not financially able to make the asked payments. I told them about my circumstance more then once. They wanted to work with me on smaller payments but I just could n't afford it. My daughter couldnt use the system to study anymore so, I do n't agree to making any further payments to account she no longer was able and blocked from using. It is not fair for them tell me she would be able to excess her progress after payments. But still charge me for something she was no longer able 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 05-06-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: Citi Bank division Card Services issued me a Citi Prestige Credit Card. Benefits of the Citi Prestige were to reimburse expenses to purchase up to {$100.00} a XXXX XXXX XXXX. 

Went to Global Entry Web site ( XXXX ) and purchased the XXXX. 
XXXX charges were made : 1. US Customs - {$50.00} on XXXX XXXX, 2016 2. US Customs - {$50.00} on XXXX XXXX, 2016. 
Both charges were done through XXXX web site and permission of Ciit Customer Service. 

Citi Cards Services has FAILED to reimburse me per the Citi Credit Card Prestige promotion and not I lost {$100.00} in unplanned and unreasonable expenses. 

Citi Card refuses to respond to my complaints after 7 phone calls and 5 emails on this topic.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: XXXX XXXX failed to remove a debt from my consumer report after requests for them to provide validation pursuant to the Fair Credit Reporting Act. Two collection agencies failed to validate the account but XXXX XXXX still reports it on my credit report. 

Please see the attached documentation and court filing for further information.

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 04-03-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Settlement process and costs

Complaint: i received your letter today ( XX/XX/XXXX and in emailing you too tell you that i have sent a letter to the court appeals judge and requesting papers to file a suit against bank of america for mortgage fraud. now you people and the bank of america has all the information and proof you need to send me back my {$14000.00} because the money is mine and not yours or the government. it came out off my XXXX XXXX money, mine, not yours or the government and when i get the forms ill send a copy of the check front and back. i was hoping it wouldnt have to go to court and we could settle it peaceable but youre calling me a liar and im not a liar. you have proof and i have proof. its a shame how people treat and disreapect their elders bhut thats your problem, not mine.

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 04/20/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Was approved for a XXXX credit line of {$1000.00} on XXXX XXXX, 2016. The moment I requested the full {$1000.00}, I was assessed a 15 % fee or {$150.00}. I was unable to make the payments of more than {$230.00} every 2 weeks as I thought there would be much smaller monthly payments - not payments of nearly 1/4 of what I borrowed every 2 weeks. That 's what I get for not carefully reading the fine print. Interest was compounding daily on the original principle and I received statements every 2 weeks with interest in the amount of more than {$100.00} each time. By the time I came up with the money to pay off the credit line, exactly XXXX days from the date I received the loan, fees and interest had driven the amount owed to {$1400.00}. That 's more than 42 % return for allowing me to use {$1000.00} for 55 days. Beware! Read the fine print! Stay away from pay day loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: TD Bank recently completed a disastrous upgrade to their online banking. 

When I logged in to their updated website it showed incorrect contact information, specifically a XXXX area code phone number I previously requested be removed from my account over a year ago. 

I followed the process to update this phone number, but they sent a confirmation stating that my address has been changed. 

I spoke to a XXXX XXXX that told me this was just a generic message. However, I just got my most recent TD Bank statement dated XX/XX/2018 and the address has reverted to my old address. The XXXX phone number still appears from my account and they did not remove it as I had requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed information on my Credit Report with XXXX and Equifax. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. In XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to Nationstar Mortgage LLC on XXXX/XXXX/XXXX. Nationstar mortgage foreclosed on our house in XXXX of XXXX. Our bankruptcy was discharged in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and Nationstar Mortgage is reporting it as a foreclosure in XXXX XXXX. Our credit score has dropped XXXX points since Nationstar Mortgage started reporting the foreclosure in XXXX XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and Nationstar Mortgage are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # *********** XXXX XXXX SSN # *********** XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX Nationstar Mortgage loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Professional Bureau, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Merchant & Professional Collection Agency is reporting to XXXX that I owe {$690.00} to them from a debt they bought from the Original Creditor which was XXXX XXXX XXXX. That debt is way past the 7 years from date of last activity or payment to that account. I have disputed with XXXX, but XXXX keeps coming back that they " verified '' the debt. Upon repeated requests to Experian on " how they verified '', they will not prove how they verified, which is a blatant violation of the FCRA. The debt was mine, but it is way past the 7 year window that it is allowed by federal law to be reported on my credit bureau. I just want it off, not fair that I should be punished for this debt forever. I will take legal action if my complaint here does not get the item removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I have been a long time American Express credit card member. On XXXX XXXX, 2015. I received an American express Delta Sky Miles Offer Credit Card. The outside envelope has My Name and Address printed. Inside the letter, it has credit card offer for another individual with promotional code and address printed on the offer letter. I have other customer 's name, address and credit card invite code. This is not only exposed the other customer 's private information and may cause an identity leak. I also want to find out who has my credit card invite.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Step 1 : What is this complaint about? THIS COMPLAINT IS ABOUT XXXX/XXXX XXXX. <P/>Step 2 : What type of problem are you having? I HAVE BEEN TRYING TO CLOSE THE ACCOUNT AND THEY KEEP ADDING AMOUNTS TO MY CREDIT CARD THAT I DO NOT OWE. <P/>Step 3 : What happened? ON STATEMENT FROM XX/XX/XXXX - XX/XX/XXXX I OWED {$200.00}. I PAID THROUGH XXXX  XXXX ON XX/XX/XXXX I PAID THE AMOUNT OF {$100.00} AND ON XX/XX/XXXXI PAID THE AMOUNT OF {$100.00}. Then after I paid they charge me the amount of {$2.00} and I paid through XXXX XXXX XXXX XXXX. ( See Attachment ) After this payment they claimed that the payment was returned and it was not true. t and then they claimed that {$100.00} was returned and is not true, because ( see statements. ), they claimed that was returned on XX/XX/2017 and the payment was done on XX/XX/2017. What they did was to charge {$100.00} and it was fraud to my account because I reported XXXX XXXX for Fraud from XXXX and I did not authorized any withdrawing of money from my account. Step 4 : What company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX AND XXXX XXXX, XXXX XXXX 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 07-11-2017 about Student loan (Private student loan) with SLM CORPORATION (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have 4 unsubsidized loans with Sallie Mae totaling about {$44000.00}. Each time I called them to discuss lowering my monthly payments, the customer service rep would only push forbearance on me saying it was my only option. After 4 months of forbearance, I found out through research online that I qualified for an internship deferment for a year while I was in an alternative certification program to get certified to teach. Despite the fact that I had informed customer service representatives of my work situation, no one ever informed me that I qualified for a deferment. My program was taking {$200.00} out of each check I received and I could not afford my monthly payments of {$500.00} with Sallie Mae. Now that my deferment has ended, I again called Sallie Mae today, XXXX/XXXX/2017 to discuss my options for lowering my monthly payments. I called two different times, once at XXXX and again at XXXX. The first customer service rep named XXXX asked my name and asked what I was calling about. I told him my situation : I 'm a XXXX working for a XXXX XXXX XXXX XXXX and because of budget issues, I 'm receiving a much lower raise than what I had originally thought I would get. He asked what my major was and if I had received my degree. I informed him that I majored in XXXX. He said unfortunately there was nothing he could do to help me lower my payments and that my only option would be forbearance. I told him I only have a few months of forbearance left and that I want to save those in case I need to use them later during the life of my loan. He said my only other option would be to purposely default, and then and only then could I possibly talk with their collections department. I told him I did n't want to default and that I was trying to be proactive because I did n't want to affect my credit score. He said I would have to wait at least 5 days after my payment is due to go into default and that was my only option other than forbearance. I thanked him and ended the call. I called again to see if another customer service rep could do anything. This time, I talked to XXXX. She also informed me that my only options were forbearance or purposely defaulting by not paying for 5 days. I asked her about the reduction interest rate and she said I did not qualify because my account is current. She again informed me that I could purposely default and that the collections department would contact me. Only then could I review my finances to possibly lower my monthly payments. I again thanked her and ended the call. Sallie Mae should not push forbearance and refuse to discuss other payment options for borrowers who make a good faith effort to make their payments. And they should not force borrowers to purposely default to qualify for lower payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
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: Purchased a lock and installation from a vendor in XXXX CA in the amount of {$750.00}. Lock and key was never delivered from Vendor. Disputed the amount, and Citibank sided with the vendor. There was no protection against the fraudulant activity for us. They said we needed a credit slip which the vendor never provided. The vendor XXXX XXXX XXXX XXXX has done this to many others as their XXXX account indicates. Irrespective of this, Citibank would not take any action against them ( XXXX XXXX XXXX XXXX ). We have also file a complaint with the Bureau of Investigative services against the Vendor. 


XXXX XXXX, XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX Print - {$750.00} XXXX XXXX, 2017 REVERSE XXXX XXXX XXXX XXXX XXXX XXXX Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am trying to pay off my debts as much as I can. During the recession I have lost my job did not have any funds to pay off the credit card. Now that I work, I support XXXX small children and my wife, who attends XXXX. She does not work. I want to repay the debt, but the debt collection agency added more amount on top of what I owed. They demand more than 13 thousand dollars when the original debt was less than 9 thousand. I contacted the agency to try to settle with them because I can not repay them the whole amount. They  refused and demanded the whole amount. All this years they have not send me any letters or anything indicating that they want to settle and place this matter behind us. I want to make a complaint against this company that they do not want to work with me to settle and that they demand more than what I originally owed.

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 09/24/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit determination

Complaint: I received a letter in the mail dated XXXX XXXX, 2015 from XXXX Synchrony Bank asking for me to call an XXXX number to confirm an application for a credit card ... I have never applied for a credit card for XXXX ... The letter is signed Fraud Prevention but it does not appear legitimate and once again I never applied for a credit card.

Company response to consumer: Closed with non-monetary relief