milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Auto) with Synergetic Communication Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Saw my FICO score was dropping for no good reason. Requested my free Credit Reports and found erroneous information on a credit card that I had never used. found out it was a new credit card issued by a dept store that I do purchase from. Since I had not purchased anything from this store in months, this made no sense. I tried calling Dept store but they were of no help. So I followed their Dispute Process and the Dispute Process of all the credit reporting companies, which have all resulted in denials of my dispute. Now the balance is up to {$260.00} in penalties and late fees! I 'm at my wits end with this issue and do n't know what else I can do to clear this bad credit from my file. 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 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I emailed the company Mercantile Adjustment Bureau a certified debt validation letter XX/XX/2016 to verify a debt they claim I owe them. I did not receive any form of communication from the company. I asked for proof none was given. I sent another certified document XX/XX/2016 informing the company that the violated my request and request that they remove the account withon 10 days because they violated FDCPA the acoount still has no been removed and it has not been verified with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon checking my credit today I noticed a derogatory mark from Persolve LLC for the amount of {$3500.00}. I have never received a phone call and or notice via mail/ email regarding this collection. In addition I have no idea what this account is regarding. I have settled all my medical bills and or pas old debt so I am clueless to what this is regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hi there, My name is XXXX XXXX and I have just started repaying my student loans. I have been paying {$25.00} each month ( or more ) to keep my interest from growing on each of my loans. Although I've been proactive in this my interest rate with XXXX XXXX is 10.75 % on my first loan of {$9700.00}, 10.75 % for {$9400.00}, and 8.625 % for my final loan of {$6100.00}. I looked into refinancing but am unable to since I don't have much of a credit history to be able to refinance. My first payments were withdrawn this past month on XX/XX/XXXX and this is not including my government loans that mount up to $ XXXX. Please let me know if you have any questions, I'm happy to pass along any additional information. 

Best, 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 02-06-2017 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: APR or interest rate

Complaint: I paid the balance on my credit card in full before the due date but Chase Bank continued to charge me interest. The information section of my bill specifically says : " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month '' I contacted the bank on XX/XX/2017 and the representative I spoke with refused to take the charges off of my bill. The promise to waive interest charges when the account is paid in full is at best a deceptive business practice. The unwillingness to remove the charge is poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MO).
Issue: Money was not available when promised

Complaint: I sold XXXX totaling XXXX on coinbase on XXXX/XXXX/XXXX at XXXX AM ( reference code XXXX. XXXX was supposed to deposit XXXX into my bank account however I have received no money. 

I submitted a ticket, the only way to contact them, and have been ignored. I would like my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

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 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Problems caused by my funds being low

Complaint: a few years ago, I over-drafted in my account pretty bad. I owed XXXX dollars in XXXX dollar over draft fees because, my bank account online would tell me all of my purchases, but sometimes they would disappear leaving me to believe I had more money than I actually had. Then when I would spend that money, a few dollar at a time the original purchase would pop up again and would make my account go in to the negatives. And then I would get all of the over draft fees. Could that be bad on my banks side?

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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (   XXXX   ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in   XXXX    of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX  i )  to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from  XXXX   XXXX    XXXX   XXXX  . I called  XXXX   XXXX    XXXX   XXXX   and I asked to speak to the  manager  and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my  credit score dropping so many points after  XXXX  had used my credit without my consen t and sent it to diferent lenders.             XXXX   XXXX   XXXX    2016  are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  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 03/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: to be completely honest, I have no idea how this happened to me. Before I went away to college I allowed my parents to basically finance me through everything and now I regret it. They have put me in a huge debt and it feels like a huge slap in the face because I have no way of paying off these loans. I was legitimately unaware of all of these until a few weeks ago. All I want is help. My parents obviously did n't help me and now I feel lost and confused. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent Equifax a letter fro removal of dispute of XXXX inquiries made by XXXX. My claim number with equifax is # XXXX 
I sent them copy of the letter from XXXX that they are requesting Equifax to removal INQUIRIES. 
I also sent Equifax a letter requesting the same thing with copy of the letter from XXXX. But they still " inquiries are a matter of record of all companies that have accessed your credit file '' I will have the inquiries on my file. 
my ssn # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 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: On XX/XX/XXXX XX/XX/XXXX XXXX XXXX runs my credit without my authorization I try to contact Equifax for solve this problem but I ca n't the system reject me out if somebody can help me with this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello, I 've been a customer of capital one for over a year. Not once before have I ever file a claim with my bank, and the one time I did, they denied my claim. I 've spoke to several claim representatives as well as customer service and nobody could solve issue. The customer service I received was horrible.. they treated me in such manor that I can say I was discriminated. The last repreentative I spoke to did not treat me like a customer she treated me like a number. I asked for the call to be escalated to someone higher and she could not connect me, she advised me someone would probably call me call me back, to this day I have not received a call back. my card was used by someone else that was not me. transactions were charged against my account at a location that I dont frequent. I ask they look at cameras or compare a signatures. this is such an injustice I live on a fixed income. I found my card and continued to use it to make purchases that I 've authorized. I ask the claim be reasserted and I receive credit for the fraudulent trasaction or I will be escalating this matter further. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wife XXXX XXXX went to apply for credit at XXXX XXXX XXXX XXXX, XX/XX/XXXX. We usually get 's a text message letting us know that we applied for credit. However, the inquiry went to my text message, and credit and not my wife 's credit. I do n't understand how my wife 's information with her social security number is going to my credit report. This should not be happening. I contacted the Credit Reporting agencies and they are not doing anything about it and they told me that it 's legal to merge our credit reports and I disagree with this. My wife is her own person, and I am my own person, our credit reports should not be merged at all. I want them to fix them immediately. This is affecting me and my husband 's credit report and obtaining credit. When I put my SSN in for credit it should not be reporting to my wife 's credit and her should not be reporting to my credit report. XXXX just recently changed my name to my wife 's name on my credit report, I do n't understand that. This is affecting both of us really bad. This is illegal, we never gave them authorization, to change my name to my wife 's name. I need all of this cleared up from happening again. This is causing us a lot of problems with our credit. I have so many inquiries that are not mines, and she has so many inquiries that are not hers. Please help us, someone must be accountable for 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 04-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (AL).
Issue: Advertising and marketing

Complaint: In XXXX, 2016 I received an email from Citizens Bank, XXXX, CT instructing me to activate my credit card. I immediately called the bank and wrote them to complain about the email since I was not a customer of the bank. I spoke with XXXX XXXX 
XXXX at Citizens Bank, XXXX XXXX XXXX XXXX, XXXX XXXX. I wrote her on XXXX XXXX asking who my socalled card was mailed to. 

I got no response to my letter. On XXXX XXXX, 2016 I received another email Instructing me to activate my credit card. 
I request that your agency investigate this bank to insure that this in not another scam similar to XXXX XXXX and to have this bank remove me from its marketing list. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold Checking Account in XXXX 2015 with a promotional code offering XXXX XXXX XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that my initial online bill pay through the account ( one of the listed requirements ) had been completed successfully and would count toward the promotion. I met the remaining requirements in XX/XX/XXXX, as confirmed via online chat with a Citi representative and Citi stated in the promotional materials the miles would post within 90 days of that statement ( anticipated post date in XX/XX/XXXX ; also confirmed by Citi rep ). In XX/XX/XXXX, I provided my XXXX XXXX account number to Ciit via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. In XX/XX/XXXX, I received notification my XXXX had been accepted, and the airline miles would be applied on my XXXX XXXX account statement. When the miles had not posted within a few days of the XX/XX/XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that I did not have a promotion attached to my account and was not eligible for the promotion. I have since paid {$60.00} in total monthly service fees to Citibank and have appealed their response multiple times with the same conclusion each time. On XXXX XXXX, I received a response from their customer service team offering to look into this issue further if I felt it was a mistake, however they have already rejected my advice to review the emails their team sent to me stating I was on track to receive the promotional miles credit. All they have done at this point is waive my next monthly service fee of {$30.00}.

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 non-monetary relief
Consumer complaint received 11/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was made out in my name and former company and mailed to my former address. A man claiming to be me knocked on my neighbor 's door and requested the credit card envelope. Simultaneously, all of my mail at my current address had been put on hold for two weeks by an unknown source.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I went on XXXX and found that XXXX, XXXX XXXX, is also Portfolio Recovery which ALSO calls XXXX a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations. 

1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # 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