milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.

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 02-07-2018 about Debt collection (I do not know) with Asset Recovery Solutions, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trident Asset Management Company  has a debt for {$8000.00}, account number  XXXX  which was removed from my  XXXX  credit report because it was an unsubstantiated debt. I am trying to buy a home and this company will not remove the debt from my other  XXXX  bureaus even though it does not belong to me and this is prohibiting me from moving forward in the home buying process. I do not owe this debt,   XXXX   verified this and had it removed in  2015 . Can you please assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.

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 04/26/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IA).
Issue: Money was not available when promised

Complaint: PayPal holds funds for items sold using their services. PayPal is not the seller, but they receive the benefit of the funds in their possession for items sold long after the items are delivered to the buyer when they should be in the hands of the seller. They refuse to relinquish the funds claiming you need to prove that you are a good seller to be removed from the program which assumes guilt or criminal intent. I was told I would be removed from the program after a phone call, but now they refuse and can not find record of such a promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Payoff process

Complaint: Capital one and myself agreed on a payment plan to help my credit card account. Capital One has continuously called me for payment. Even after I had made payment been sent receipts by Capital One. They continue to remove me from my plan and then refuse to speak to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Medical debt) with Alliance Data Card Services (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: First Niagara Bank XXXX XXXX XXXX kept paying incoming bills even though my account had a negative balance. The account had dropped to {$3.00} but I am fighting XXXX XXXX and was too sick to get to the bank. They charged me XXXX {$37.00} NSF fees. I called to explain and a very nice customer service rep credited me the XXXX fees. This was on XX/XX/XXXX. On XX/XX/XXXX, when I looked at my account, XXXX of my bill payments were duplicated. The dates and NSF fees on these accounts were recorded on XX/XX/XXXX. However, they did n't show up when I checked my checking account on XX/XX/XXXX and neither I nor the customer service rep saw these charges on XX/XX/XXXX. I know for a fact that I did not duplicate XXXX bills although the XXXX male reps I 've had to deal with since the XXXX said they checked my XXXX address and that I authorized these XXXX bills on XXXX XXXX. I did n't. The XXXX male rep I talked to forgave XXXX {$37.00} charge and XXXX of the XXXX NSF charge ; however, my balance was still in the negative. I explained that I live on Social Security, that I am fighting XXXX XXXX, and that a look at my banking with First Niagara shows that I do n't duplicate payments and that I do n't bounce checks because I ca n't afford to do so. Now, First Niagara is charging me {$37.00} per day for having a negative balance, even though I explained that my SS check wo n't come in until XX/XX/XXXX and I do n't have the money to cover the charges they put on the account to maintain a negative balance. I asked them to not pay any incoming bill if my account did n't have the funds to cover the charge. The reps told me it was at the bank 's discretion to pay or not. These payments and fees are robbing me of money I can not spare, and have caused me terrible stress. I ca n't prove, but do believe, that a First Niagara employee used my IP address to duplicate XXXX bills so they could reap NSF fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a car that I had previously sold that was towed by XXXX XXXX XXXX. I spoke with the company and they informed me that since I had filed out the " Release of Liability '' that the car was no longer mine and that I would not be charged and to ignore the bill that was sent in the mail. I have now received a letter from " Lien Enforcement , Inc that I now owe them money? I have the letter from the DMV showing the release of liability was filled out and processed before the car was towed. I am going to attach this paperwork if the app allows me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MP).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this not mine # XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I am current with my mortgage with Ditech however they are showing my account as past due. I have been told by their Customer Service Dept. that it is due to a software upgrade at the beginning of XXXX and that when I made my XXXX payment on XXXX XXXX they did not allocate it properly. As of today my account is showing that I owe them the payment for XXXX plus a late charge and the payment for XXXX. I have contacted them at least five times and each time I am told that they are working on resolving the matter, however I am getting collection calls from them even though I have been told that my account is noted that the issue is on their end and I should not be receiving such calls. I believe that the calls and the incorrect allocation of funds are a form of harassment and possible fraud.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: I have been a costumer with Rushcard since 2008, no problems at all. Until they did this system update. My balance on my account is wrong, I have called emailed no response back, until the other day I called from a different line and I waited on hold for a minute and then the lady proceeds to tell me that they do n't know when the issue will be fixed, that they are working on it. You have been working on it for almost 2 weeks. Luckily I was n't late on any bills like others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage is reporting a mortgage the that we have paid on-time for 11 years as closed and part of our bankruptcy. This mortgage was NOT part of our bankruptcy plan. It was paid outside the plan, by us, directly to Carrington exactly as our bk plan clearly states. None of the Carrington debt was discharged, but they are reporting that it was.The bk is also discharged now so even if the status changed DURING the bankruptcy, it should be corrected now that the case is discharged. ( This was the case with my student loan. It was listed as closed then within 30 days of discharged, it changed to Open and Active. ) I 've disputed this issue will all XXXX bureaus XXXX, but Carrington keeps saying that it 's reporting correctly. I 've called Carrington at least XXXX times, but no XXXX can help. I found a number for their Research Department and Customer Advocate info online so I sent them both a fax describing the issue. ( They ca n't be reached by phone. ) This error is seriously impacting our credit score and costing us an extra 2 % on a new mortgage that we are taking out.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with AFNI INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: My father opened a bank account with Capital One 360 around XX/XX/XXXX to have his VA XXXX checks deposited in. A {$100.00} was sent to Capital One as the original deposit. Capital One has refused to give my father access to the account - I do n't know why. Capital One has refused to put the funds ( {$100.00} ) back into the bank account that the funds came from. My dad had a severe decline in health and I started working with him to get the money XX/XX/XXXX. XX/XX/XXXX I provided Capital One an " Agent / Guardian Instruction form '' at Capital One 's request plus a copy of my Power of Attorney. Capital One has refused to communicate with me after supplying them with the forms they requested. It is despicable how they have treated an honorable XXXX veteran. Now to make issues a bit tougher, my father passed away on XX/XX/XXXX, but I feel Capital One still has an obligation to return my father 's money to his original bank account as there are still some outstanding expenses that need to be paid on his behalf. Capital One has been dishonest and basically stole {$100.00} from my father. I need and hope for your assistance. Thank-You PS I have attached the letters that have been sent to Capital One. The account was in my father 's name, I am his son and working this on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I looked up the phone number " from ''  XXXX , AZ, ''  XXXX , and saw it was for a company that is in  XXXX  and is a debt collector. They call  us up to 10 times a d ay, and when I answer, there is no answer. When my answering machine answers, there is NEVER a message left. I have no idea why they are calling my home, but my land line phone does n't block calls that I know of. I want them to stop harrassing us immediately as we are both  XXXX  and the calls prevent the little sleep we get and is interfering with our health. They can contact us by letter only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Struggling to pay mortgage

Complaint: InXX/XX/XXXXI was buying a home for the first time alone. I took out a loan for XXXX to purchase the home at 7.5 % interest and a renovation loan for XXXX to rehab the home at 9.5 % interest. The bank was HSBC Commercial Bank C/O XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ,XXXX XXXX XXXXXXXX Over the years I noticed that the Principal was barely going down, but attributed that to being told that most of the payment going to interest in the first few years, I did not know that ALL of the payments were going to interest until I got a letter stating that I had an Interest only loan and even though my interest rate would stay at 7.5 %, my payment would go up almost 350.00 inXX/XX/XXXX. I retired after XXXX over 25 years and my income was reduced dramatically and this new payment amounts to almost 1750.00 a month. Every year between XX/XX/XXXXI have tried to do a HARP refinance and once paid a lawyer XXXX to help me do a HARP. My answers have always been negative, even though I have never missed a payment. They in essence tell me my debt to credit ratio is too high and if they lower my payment they do n't think I will pay, even though I never missed the higher payments. It was suggested I miss a payment or short sell the house by employees sympathetic to my situation. Giving me " unofficial '' advice that would ruin my credit or at least put a real bad mark against me.I feel I can no longer afford this payment. I feel I was tricked into this type of mortgage product by HSBC and was turned down for a loan modification unjustly several times by HSBC. My home is worth only about 80,000.00 but I owe over 155,000.00. I am really desperate for some type of help. I feel trapped. Thank You.

Company response to consumer: Closed with explanation