milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with ProCollect, Inc (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Balance is {$800.00} from pro collector and original credit name is 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 01/26/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, I received a phone call from this company several times and the first time I received a call, I requested for validation of debt, and also the representative that first called me could not verify my address nor my last four of my SSN and had an incorrect date of DOB, then the company still persisted to call me and again I told the agents I have already asked for debt validation and until you mail me the validation you should stop contacting me, furthermore, I also sent a letter via mail and email, asking for verification of debt and they finally responded with just a simple typed letter saying I owe this amount and when I called to resolve the issue another agent said she does n't know why all of this is going on and forwarded the call to a senior agent who then proceeded to tell me they will mail out the verification of debt and also when I told her why they are still calling me she said there allowed to, and started to argue with me, but sadly I did n't receive any validation following the phone call instead I received an email saying they ca n't provide anymore validation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: I got the buyer, who purchased an item from my website via Paypal. I 've sent him his purchase and provided with tracking number, item was delivered to him. He opened a claim, stating, that he 's got an empty box. The thing is, that I have the receipt from the USPS that shows, that the package was XXXX XXXX oz, which is obviously not the weight for an empty box. I 'm not sure whether the buyer stole it or somebody on the XXXX custom ( the buyer is from XXXX ), but as a result I 've lost both my item and my money. Because Paypal closed the case in buyers favor ( he gave them a sort of the police report from their local police office ). Except from the obvious evidence ( receipt from USPS ) I would like to add, that I 've been eBay seller for more then five years, I have more then XXXX transaction and also I 've been selling from my web site for around a year and I 've never had problems like this before. And it does n't make sense to me to do that ' as this is my business which brings me money.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened a Discover Secured card back in XXXX of XXXX. It 's now XXXX of XXXX. They advertise that their secured card will become able to unsecure after 7 months, and tell you the same thing over the phone, however in the 16 months I 've had the card, the past 9 I 've been waiting for the card to unsecure. Keep in mind, the only time I made a late payment ( less than 30 days ) was in XX/XX/XXXX - When I lost my car and almost everything I owned in Hurricane XXXX. When I called the company they told me that there was nothing that they could do, no tips they could give, and that the only option I had was to cancel the account - Which would take almost three months to do. 

The reason I signed up for the card was because I was under the impression that it would eventually unsecure. Now I 'm stuck with a tiny, low-balance credit card that refuses to unsecure, and closing the account would probably tank my credit, as it 's one of my oldest cards. This is absolutely unacceptable ; Discover is basically holding my credit hostage after lying to me about the benefits of their card, and there 's nothing they will do to help, nor is there anything I can do. 

Do NOT get a secured card from Discover. They do n't give a XXXX about you, and will lie, lie, lie to get you on the hook.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OR).
Issue: Trouble during payment process

Complaint: I have been trying to remove my PMI from my account since approximately   XXXX   XXXX   XXXX   .  I have spent many hours on the phone with customer support and every time get different answers. They have canceled my requests. Most recently they told me I could have my own appraisal and after I had submitted it said they no longer accept appraisals. The original problem was they said I could have an appraisal for  XXXX  dollars and then tried to charge me  XXXX . I was guaranteed it would be  XXXX  on the phone many times and then would get a call asking for approval for  XXXX . That is when they canceled my request for PMI removal and said I had to file a new claim.     When I call they say they can not do anything and say they will file a complaint for you. Then no one calls you back and you have to call again and start the whole process over.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This company called XXXX and stated that I owed {$830.00} on a loan from Mariner Finance. XXXX XXXX was rude and disrespectful and stated they were going to sue me and garnish my wages. I was told previously by Mariner that the account was paid off. I called Mariner back and they stated the dealership paid off my entire account except {$91.00} dollars. I called back XXXX and the guy would n't listen to what I said. Spoke nasty to me and called me an ignorant 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 10/13/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Credit decision / Underwriting

Complaint: My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion and XXXX are both reporting a missed loan payment from XXXX forXX/XX/XXXX. I graduated XXXX onXX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.

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 08/14/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: I have had a mortgage with CitiMortgage for about 7 years.I have always made payments on time.  The monthly statements I receive donot show any late fees or past due payments.When I call in to post payment by phone,  the total due is about double what my monthly payment is.  I have contacted CitiMortgage in XXXX 2017 and provided them the last 18 months of payment confirmations in the form of their confirmation #'s or check numbers that have processed.I received an e mail back from them on XXXX XXXX 2017 indicating they have received my information and are looking into it.I have not heard back from them as of today, XXXX XXXX and the account still shows a past due payment.  They continue to add late fees while not responding or finding the error.What is the role of CFPB?  Will it simply forward this information to CitiMortgage and expect them to do something?Please advise if I can provide any additional information, 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached and my information was stolen. I am very upset having my utmost sensitive information in some criminals hands to do XXXX knows what with.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Despite several attempts and communications to Equifax by certified mail, they are still reporting a negative Public Record on my credit file. XXXX and XXXX have both deleted all Public Records that were filed in error from my files. XXXX refuses to do so. The record in question is a State Tax Lien from the State of California. It was filed in error and needs to be deleted. 

Kind Regards, XXXX XXXX XXXX XXXX. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX Date XXXX XXXX, XXXX Status -- Amount {$7900.00} Classification --

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Payday loan) with Unifin Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, Trans Union, and XXXX are reporting XXXX XXXX account that was apart of Identity Fraud XX/XX/XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX-XX/XX/XXXX paid out a Identity Theft claim for the XXXX account for Identity Theft. I have know knowledge of this account being reported. Requested the XXXX Credit Bureaus to provide physical documentation mailed to me, to support this account without any documentation sent to me. I have to confirm the Credit Bureaus physical documentation with the XXXX claim documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I am XXXX and a minority. I came into the branch to open an account and the woman took and hour and asked for additional forms of ID other than my state ID ( not sure if that was legitimate or not ). She asked a number of strange questions, too. She did not offer me a temporary check card. I came back and she refused it to me without explanation. I called and I spoke with the manager, XXXX who was rude, and he said that it was " up to their discretion whether to give me a temporary card ''. He was very rude on the phone and hung up on me. I spoke with other reps who also claimed that it was " at their discretion '' and all of them refused to tell us why I could n't have a temporary card or how they make that decision of who to give it to. At one point XXXX even told me " you can come in and take your money out of the account and close the account if you 're not happy ''. He refused to speak with me while my family was in the room even though they were not loud or on the line. At this point, I am going to seek legal counsel and make a discrimination complaint. I have been speaking with this bank for 3-4 hours, now!

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Incorrect info. CR agencies not consistent. Judgements are not off all CR.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX  amount  XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BANK OF THE WEST (NV).
Issue: Account opening, closing, or management

Complaint: I recently received a letter in the mail regarding a past due balance of {$100.00} from a collection agency, XXXX, as stated in the attached letter. On XX/XX/2016, I called Bank of the West and spoke with XXXX, a service banker located at XXXX XXXX, NV XXXX. Per XXXX, my account was closed in XX/XX/2016 and was re-opened on XX/XX/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account without my permission and/or notifying me and is charging me a monthly maintenance fee and NSF fee for an attempted payment. XXXX mentioned this is a common practice for a bank to re-open an account once it has been closed and will not drop the charges. I am still unaware as to how I can be held responsible for charges made on an account that should not exist.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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  issued by  XXXX   XXXX  Bank 30 day late payment has been noted on my credit report.     My law firm has  FIVE t imes contested this negative mark on my credit report.       XXXX   XXXX   XXXX   refuses to remove it from my credit report.      XXXX  xxxx xxxx xxxx  XXXX   Date Open   XXXX    XXXX   The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: HSBC claim deposit in my account was counterfeit this check was issued from XXXX XXXX XXXX XXXX for my cousin who was XXXX from XXXX. HSBC dont wan na replace the check because they cant properly tell me where the funds is at. I need documentation that states cgeck indeed was fraud which I know was not the check was XXXX I have also contact the insurrance company that comfirms check was not fraud so I need to know where the bank is getting this information any fraud checks the bank gets a XXXX security form to fill out I will like a copy

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: There are unknown errors on this report and they must be removed. Problem opening accounts

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 10-02-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Financial Asset Management Systems called me on XXXX XXXX, 2015, after I had already sent a written cease communication to them under complaint number XXXX. FAMS agreed in writing under complaint number XXXX on XXXX XXXX, 2015 to not contact me anymore. I called FAMS on XXXX XXXX, 2015 and recorded the phone call to get a statement balance and payments made on the account. During the phone call on XXXX XXXX, 2015, which I recorded I again expressed to FAMS that they were not to call me because it 's my work phone however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS had previously agreed in writing on XXXX XXXX, 2015, not to call me again or contact me again however they proceeded to call me on XXXX XXXX, 2015. It is debt collector harassment to continue to call even after receiving a written cease communications letter. FAMS should not be attempting to call me nor write to me because they agreed in writing on XXXX XXXX, 2015 in a separate CFPB complaint ( XXXX ) not to contact me again however, they proceeded to call me on XXXX XXXX, 2015, which is a flagrant violation of the Fair Debt Collections Practices Act. I am suffering from severe emotional distress as a result of Financial Asset Management Systems debt collection harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 sent multiple request to  XXXX  asking them to validate this account. This vehicle was sold and the balance that they are reporting is inaccurate. The account with  XXXX  has been closed. Per FCRA I asked them to provide me with contract and the bill of sale. The vehicle was sold at an auction. After multiple attemps they refuse to provide me with anything but bogus statements. I contacted the creditor bureas and they to have ignored my request. The only thing they did was update the account to say accounts meets FCRA requirements, since they have made such a bold statement I asked them to provide me with the documentation and information they used to determine this account meets FCRA requriements. My request was very specific but to date still no response. My credit is suffering because of this inaccurate 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 explanation