milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2015 about Prepaid card (Gift or merchant card) with BB&T CORPORATION (NV).
Issue: Fees

Complaint: I received a gift card in XX/XX/2011 and went to use it and found out that I was charged {$3.00} per month repeatedly due to non-activity. I have researched this and found out that my state ( NV ) does not allow a fee higher than {$1.00} per month. When I called the company to ask about it they said that the federal law trumps state law, which to my understanding is not true when the state law provides more consumer protection then federal law. Please advise whether or not this is true because I feel they are fraudulently charging NV consumers thousands or more dollars per month. They claim it is legal because federal law says they can but XXXX says they ca n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from XXXX different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We are representing a home owner in initiating a Short Sale for his home. We submitted all documents to get the sale date postponed and we were told that the date was postponed for 45 days. The sale date was set for the following day before confirmation of postponement. The property was then auctioned off to a third party. We were never told that the property was going to auction or that they canceled the extension. Now we have been trying to get the lender to rescind the property but they are not reaching out to us after informing us that it was in fact their mistake. We have reached out to managers, escalation dept, liquidation dept and to other high level corporate supervisors. We still have no resolve and have not heard from anyone in over 10 days. Despite several failed attempts, emails and voicemail left. The lender involved in this complaint is Shellpoint Mortgage. Now that we are constantly reaching out to the lender it almost feels that all representatives in their office have been advised to not cooperate with our office. We have been told by several agents that the notes in their systems reflect a postponement of 45 days. Any help or insight with this matter would be greatly appreciated. The homeowner, myself and our firm are continuously being given the run around with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Repeated requests for them to stop contacting me, including a formal Better Business Bureau complaint where I again asked them to stop contacting me, but they are now calling my cell phone repeatedly again

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Kohls Department Store calls my work number often as well as my cell phone. My cell phone is all right, but since I ca n't answer it during the day at my front desk office job, and no privacy available for personal matters, I told them I ca n't talk to them on that line. Today ( X/XX/17 ) when I got back from a meeting, my XXXX XXXX who is working to answer phones in our office this summer ( I work at a XXXXXX ) told me that Kohl 's Department Store called and was looking for me, and that I should call them back - yet they left no name or number with her. My student did say it was a woman calling. There is NO reason a creditor should call my place of work and for privacy reasons ask ANYONE about me, especially a current college XXXX! I feel my privacy rights have been invaded. Are n't there rights I have at work to keep my account with Kohls confidential, especially telling information to our XXXX that pay tuition to go to our college? This is very uncomfortable for me to get a message like this from my XXXX worker, therefore I am putting in this lack of privacy when dealing with a business matter complaint with you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX/XXXX/XXXX I spoke with representative XXXX ID # XXXX @ XXXX ; XXXX am to advise him that I needed to replace a credit card. I was advised no problem, I was also advise " Not To Make A Payment and No Late Fees would inquire on my account, I should receive the replacement card in 7 to 10 business days ''. I received the replacement card along with a NOTICE Of Late Fees and a additional payment requested. On XXXX/XXXX/XXXX, I had called Capital One regarding clarification on the new billing statement that I had received. The new statement advised me of the non payment plus a late fee. I advised XXXX # XXXX XXXX of the issues and she hung up on me. I called back and spoke with XXXX # XXXX regarding the issue again - no recourse ... so I asked to speak with a XXXX. XXXX XXXX # XXXX # XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX was very rude would not let me talk until I called her out so she would listen. I asked to speak with her Mgr - XXXX XXXX XXXX and I was advised her XXXX does not speak with the PUBLIC - in my opinion nothing was achieved and i asked for a review. I was advised that takes 6-8 weeks. Its funny when the public wants to get something done and we pay our bills ... ... .I takes a act of XXXX to even think about doing something ... .But when they want their money they want it YESTERDAY. If the original associate was provided with the correct training and provided the correct information at the time of the call. their would not be a complaint. If and when I get this card paid off. I will never get another Capital One Credit Card Again ... ... It 's not worth the constant hassle. The employees at Capital One do n't appreciate where their paychecks come from

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (MS).
Issue: Using a debit or ATM card

Complaint: Well first off i have a rushcard. I understand they r having ptoblems but when i cant get to my money its a big problem. I noticed that my card that had got stollen months ago was the card on file. And thats where my direct doposit went. Then today i checked it and XXXX is missing. every time i call someone is hanging up on me or acting like its not an issue and its not for them but a big one for me. I have bills and now i have late fees on bills.i also have a fine i have to pay and a child to take care of. I dont have gas and i dont have family to borrow from. Its just sad because i am stressing badly and the company does not care that my money is missing they think by saying its safe iits ok dont think that it is unless i have it. I work hard for it. Is there anything i can do my landlord thinks im full of XXXX and just dont have it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, MN XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I actually paid this debt to XXXX creditor, as I called to see if I could get the payment lowered and start paying on that amount. I was told it was taken care of and now I see it listed as a deragatory mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (IN).
Issue: Struggling to pay your loan

Complaint: This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing/Cancelling account

Complaint: I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXXXXXX Transunion, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

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 12/16/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This account is not mine. XXXX & XXXX tried to sue me and I was able to fight it. I disputed this account with the Credit Bureaus and it came back as verified. I never had a Care Credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my credit report from Equifax and it contained one public record which I have disputed and it came back satisfied and released. I have spoken to the clerk of both courts and have been told they do n't report nor provide any information to credit reporting agencies including Equifax. Moreover, court records do not list Social security numbers. I would like to know how Equifax verified this account and updated the status to satisfied and released. My SSN and the SSN listed in the courts do not match. So how does Equifax tie this account to me ( MY NAME ). My Social security number does not match what is in the court records. If the court records do n't match my records Equifax needs to have documentation that matches my exact XXXX digit SSN, if it does not Equifax must DELETE this account from my credit profile..

Company response to consumer: Closed with explanation