milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was billed for services never received and charged for a high end toothbrush I never received and the dental office fabricat d statements for dates I never visited the office. The account was placed in collections and they claim the balance is due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

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 01/19/2018 about Payday loan, title loan, or personal loan (Installment loan) with Access Financial LLC (NM).
Issue: Charged fees or interest you didn't expect

Complaint: I originally got a loan for {$300.00} and the payment plans was the following : Payment Schedule : 1 {$100.00} XX/XX/XXXX 2 {$100.00} XX/XX/XXXX 3 {$100.00} XX/XX/XXXX 4 {$100.00} XX/XX/XXXX 5 {$100.00} XX/XX/XXXX 6 {$100.00} XX/XX/XXXX Then I had a medical emergency and I contacted them and we agreed on a new pay back loan structure below, yet they keep claiming I owe them more money. The loan keeps increasing even when they gave me the new payment plan below. They claim on now owe them {$860.00}. My loan never goes down, it just keeps getting higher and I can't afford to keep paying this. I am on XXXX and I only get {$1200.00} a month. I will never have this loan paid off. How can they give me a loan payment plan and then lie about it. I should only have two payments left, but I will be dead before this is ever paid off at the rate they are going. I should only have 2 payments left if you go by their last communication with me. 

Dear XXXX, Your payment plan is detailed below. Please ensure funds are available for payment to process according to the due dates you requested. 

Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00}

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 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted a collection agency named XXXX XXXX and asking them the process to have a collectio removed from the XXXX credit reports. They suggested I contact all threeagencies and request they remove it from my reports. I contacted all three companies and XXXX & XXXX were very helpfull to start the process. Experian howeverwas of no assistance what so ever. I called again to XXXX XXXX and they suggested I write a letter to Experian and that may be of more help. I was hoping you could be of assistance in this process. To explain what happend to have the collection, I was looking into taking classes with XXXX College in XXXX and while we were there I was being shown how to inroll in classes via computer and without our knowing it enrolled in a class. 
I found out about the mistake once it went to collection. The amount was {$100.00} and is paid in full. Please do what you can to assist. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am not a capital one bank account holder. I use XXXX XXXX XXXX. I stopped at a capital one bank ATM in XXXX LA to check my balance. I accidentally left my XXXX XXXX ATM card in the capital one ATM. Approx. 20 minutes later I realized I had left it and returned to the capital one bank to retrieve my ATM card. I was told by the branch manager that my card can not be returned to me because they are have no way of knowing why the ATM took the card. I explained that the ATM took the card because I left it in the ATM. I was told I could not have my card back and that it would be destroyed at the close of business. I went to my bank to get a new card and was told it will take 2 weeks to get my new card. I was suppose to leave to go out of the state for work in 2 days!

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: This is a complaint against PayPal. They made a payment from my account without my authorization, to eBay buyer. I got a damaged returned item, but did not have a chance to inspect it, PayPal instantly withdrew funds from my account leaving me completely without consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attached more details of my complaint. However, just to clarify, this complaint is about both Transunion and XXXX XXXX XXXX. I am disputing both the account on my report and the bankruptcy statement on my report. However, my main concern for my complaint today, is removing the bankruptcy statement. I have already requested proof of contract bearing my signature from XXXX XXXX three times, and Transunion, I am waiting on a response, from my last letter sent.

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 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. ().
Issue: Deposits and withdrawals

Complaint: For more than six years, I have had a Citibank account. Roughly once a month, I do a wire transfer from the Citi account to my XXXX bank account ( XXXX ), because I work in XXXX for an American company. I long ago set up a wire-transfer model/template on Citi 's website so I do n't have to constantly reenter the beneficiary bank information, which never changes. This process had worked seamlessly dozens, perhaps hundreds, of times. Then, on XXXX XXXX, 2016, I executed a wire transfer for {$10000.00}. ( Based on an exchange rate of about {$1.00} per pound, this would have converted into approximately XXXX XXXX. ) A week later, the money had n't arrived in my XXXX account. So I called Citi. They confirmed that the wire had been properly executed and said they 'd look into why I had n't received the money yet. They said that, upon resolution, if there turned out to have been a mistake, I had the choice of either having the {$10000.00} reinstated into my Citi account or having the equivalent in pounds transferred to the beneficiary account. By then I had arranged for an alternate source of money to be transferred to my XXXX account, so I told Citi that I would like to have the {$10000.00} returned. A few days later, around XXXX XXXX, having heard nothing from Citi, I called back. This time, they suggested that I amend my XXXX XXXX wire transfer to include an XXXX number. ( I 'd never included this before, because Citi 's template only requested a sort code, account number, and bank mailing address, and the process had always worked smoothly. ) I provided the XXXX over the phone and was told the transfer would now be executed. 

Two weeks later ( and four weeks after my original wire transfer ), on XXXX XXXX, I received notification from Citi that the transfer had been unsuccessful and they could either resubmit it again or refund the money. The catch was that the money had already been converted into pounds and, because of the steep devaluation of the XXXX due to XXXX, Citi would only refund {$9200.00} to my account. In other words, I would be stuck with a loss of roughly {$800.00}. A string of supervisors at Citi refused to budge, saying I had no other options. 

I still do not know what caused the wire transfer to not reach its intended destination, but I do know that it was not my fault. I used the same information for the beneficiary account that I have used dozens of times in the past, and ( since it is my own personal account ) I know that the information was and remains correct. It seems grossly unfair for me to suffer a huge loss due to someone else 's mistake. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Billing disputes

Complaint: I would like to know how my payments are being applied and I can not receive an acceptable answer from calling customer service. I took a {$20.00} cash advance in 2014 ( that 's what the rep told me as I am no longer able to view the statement online to confirm ) and I would like to pay it off. Each month I continue to see a {$0.00} interest charged assessed and it never goes down ... why?? I typical pay more the minimum payment due but none of my payment is applied to the cash advance which has the higher interest rate..why??? When I asked how I can pay this portion off I was told that I have to pay my entire balance off!! This does not make any sense to me. My minimum payment is {$25.00} and I usually pay {$50.00} or more each. Why ca n't the overpayment be used to pay off the cash advance? Is this a way to make more money off me??? This may seem small to some people but this will make a big difference to me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NH).
Issue: Managing the loan or lease

Complaint: Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a 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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, still shows XXXX hard inquires, that have been reported as fruard, by myself and the credit card company. But was never taken off. 

Ive tried several times. But unable to reach equifax, customer service.this is the most unprofessional service Ive ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage has not been reporting to the  XXXX  credit bureaus,  XXXX ,  XXXX , nor  XXXX , my payment history since   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently contacted Portfolio Recovery Associates to pay off a debt I had in collections. As I began to pay off the account in full. The supervisor got on the phone and said I had another debt with this company from 2005 from XXXX Bank and I should take care of it. I reluctantly paid {$350.00} to this comapny and later after looking over my credit report realized that this account was no longer on any of the credit reports because it was removed. I contacted Portfolio Recovery by email and phone and they said their was nothing they could do about it. I am aggravated that this company lied about this bill and they have my money. this is definitely unfair and I believe i should be refunded the amount of {$350.00} because this account I am no longer liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BB&T CORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It 's BB & T calling every morning at XXXX in an attempt to collect a debt for a charged off account. This phone number does not belong to the person owing the debt, but does belong to a relative of the person. It 's annoying because its not a live person but a recorded message. Please stop these calls

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am doing a short sale and this was being done with HAFA. This is a backup buyer because the last buyer walked. We submitted everything exactly as it was previously approved and now WellsFargo is saying that the investor will not give the correct amount to the XXXX lien. It is very clear what the XXXX guidelines are, my agent even sent them the guidelines but they refuse to work according to those guidelines. After waiting all this time they declined my application. I need the relocation assistance to move from my property and the XXXX lien will not take the amount they are offering because they know the guidelines as well. They just approved them to get XXXX with the last buyer and now they want to change their mind. If they are going to benefit from HAFA and the incentives they get for working with it they should follow the rules just like I have to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed a dispute requesting verification of a debt that is being reported by Portfolio Recovery Associates ( PRA ) for account XXXX XXXX. Since I never received notice of my right to dispute this collection I did n't find out about the collection until I was denied credit. I then immediately made a request for debt validation from PRA which was summarily ignored. 45 days after my initial request I, again, requested debt validation from PRA. And just as before, my request went unanswered. Soon thereafter, I began being indundated with calls from them all day, every day. So, although they could n't find the time to reply to my numerous requests they found the time to begin harassing me. In an attempt to mitigate any further harassment, and hopefully get them ( PRA ) to validate the debt they are reporting to the CRA 's as required by law, I filed a dispute with XXXX on XXXX/XXXX/2015 requesting validation of the debt as well as verification/validation of dates reported and amounts owed. I also took care to note PRA 's failure to provide any proof that the debt is valid and being reported correctly. On XXXX/XXXX/2015 I received the results of the " investigation '' performed by XXXX with a determination that they were able to verify the debt. 

Under FCRA sec 623., I am requesting disclosure of the " original creditors documentation '', on file, that they must maintain to to validate all data being reported be made to me XXXX 30 days after receipt of this notice. If they are unable/refuse to provide documentation I am requesting that the the reported data be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIDEWATER FINANCE COMPANY, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I PURCHASED A PRODUCT FROM XXXX XXXX XXXX THEY FINANCED IT THRU TIDEWATER FINANCE. WE HAD PROBLEMS WITH PAYMENTS BEING PUT ONTO THE ACCOUNT CORRECTLY SO IT WAS PUT THRU THE COURT HOUSE TO PAY PAYMENTS SO IN XX/XX/XXXX WE STARTED PAYING OUR 20 PAYMENT EVERY MONTH THEN WE STARTED PAYING MORE TO GET IT PAID OFF AND ON XX/XX/XXXX I RECEIVED A CALL TELLING ME IF THE BALANCE WAS NOT PAID THEY WAS GOING TO ADD FEES SO ON XX/XX/XXXX I PAID THERE LAWYERS OFFICE THE REMAINING {$650.00} AND I RECEIVED A LETTER THAT DAY STATING THAT IT HAD BEEN FULLY SATISFIED SO NOW ON MY CREDIT REPORT IT SHOWS CHARGED OFF AND IT WAS NOT I CONTACTED TIDEWATER AND THEY SAID THEY WAS N'T GOING TO FIX IT BECAUSE IN THERE EYES IT WAS CHARGED OFF EVEN THOU I PAID IT SO I NEED THIS FIXED ON MY CREDIT REPORT PLEASE IT WAS NOT CHARGED OFF THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX a Stipulation of settlement was ordered by the XXXX country court in the amount of {$14000.00} and {$7400.00} both amounts were paid in full and the premises was cleared as per the order on XXXX/XXXX/XXXX. I have spoken to XXXX XXXX XXXX and XXXX XXXX XXXX at XXXX numerous times. Conversations started on XXXX XXXX and ended with no resolution on XXXX XXXX despite me sending him all the papers and documents that he has requested. 

XXXX XXXX at FCO promised to contact XXXX XXXX to resolve this matter. On XXXX XXXX I spoke to XXXX XXXX and he informed me that they did not reach out to XXXX XXXX and the compliance officer at FCO determines if I owe money or not. On XXXX XXXX, XXXX XXXX XXXX stated that the compliance officer at FCO determined that I still owe the money despite the Stipulation of Settlement or any of the prove that was sent to him since XXXX XXXX. 

According to the law it states that if Stipulation of Settlement is signed by the judge and conditions were met and paid off in full XXXX XXXX or any other collection agency has no right to go back and charge extra charges or send to collection.

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