milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: originally in XXXX I received a call from capital one indicating I had a balance over XXXX $ on my account. I went through my accounts with capital one and informed them that I did not own that account and that it is a fraudulent claim. there calls are recorded for quality assurance and they should be able to pull up the recorded calls. I advised them I had no knowledge of the account. the representative said she will investigate and call back. few months later my employer received a wage garnishment issued by the courts regarding the account I was called about. my employer advised me that she was to honor the court report to fulfill the court order. I filled out the financial statement presented to my employer and weekly there were sums of weekly XXXX $ collected in addition XXXX $ weekly for debt assessment fee. Now they are claiming that I still owe {$2100.00} and they are claiming that they will continue my wage garnishment until another XXXX weeks. based on the statements provided the attorney have paid themselves and later started paying against the judgement from XXXX XXXX of XXXX I have been paying out of my paycheck and still the attorneys are claiming that I still owe them money on an account I had never used nor had any knowledge about. I am requesting that capital one send me the original agreement with my signature indicating this is my debt. They are harassing me through my employer with continuous wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: This phone bill was canceled, I instructed the phone carrier to cut the phone off because it would not be in use anymore, the rep said that they could close it out as long as the bill was paid or had XXXX balance. It was never closed, so the next month bill accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being harassed by frequent, annoying phone calls. These calls are coming through on my personal cell phone. They have no permission to call my cell phone. They are waking me up in the morning and calling all through the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit line increase/decrease

Complaint: Chase reduced my credit line from $XXXX to $XXXX, even though the balance on the account was only $XXXX.  I have been a customer for a decade and have never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with AmeriCollect (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a phone call from a company claiming to be  XXXX  or possibly Americollect claiming they had accounts of about 800 dollars in my name.
I have received no notice from any credit account or creditor claiming i was delinquent. I have received no notificaiton from anyone that i had outstanding debt about to go into collection. I received no letter from any collection company. I was told they mailed a letter to me on   XXXX   XXXX  .
Following the phone call, i ordered an  XXXX  credit report. My report shows that i have no accounts that are in collection and have paid on time on my accounts since 2013.
the collection company will not tell me who is claiming that i have delinquent accounts.
My credit report shows i have no accounts in collection and this is very distrubing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Prince Parker & Associates (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received multiple calls and one voicemail. In the voicemail the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt. I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
Thanks.

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 monetary relief
Consumer complaint received 06-12-2016 about Bank account or service ((CD) Certificate of deposit) with BARCLAYS BANK DELAWARE (IL).
Issue: Account opening, closing, or management

Complaint: I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.

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 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: EXPERIAN WILL NOT GIVE ME MY REPORT ON LINE I NEED IT ASAP

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: ( 1 ) On XXXX XXXX, 2016, I placed an order with a merchant named, XXXX XXXX XXXX XXXX , XXXX ( " Merchant '' ), so that a personal service of process of legal documents could be performed. 
( 2 ) On XXXX XXXX, 2016, XXXX XXXX XXXX XXXX , XXXX informed me via email that they did not receive the order I placed online for the service of process that I requested. 
( 3 ) In a subsequent phone conversation with the merchant, I informed the merchant that, since the order was not received by them, that I wanted to cancel the order. 
( 4 ) Upon cancellation of the order that I placed and after the merchant collected my credit card information, merchant leaves a voice message and informs me that as the order was initiated and that a large number of copies were printed for the service of process, that I was going to be charged for the order even if the service of process was not complete. 
( 5 ) Merchant misinformed me as to whether he received the order that I placed. Merchant collected my credit card information and because the order was canceled after merchant informed me that he did not receive my order, he proceeds to charge me in the amount of {$58.00} for an excessive amount of copies that did not have to be printed as merchant alleges. 
( 6 ) The service of process was not properly being completed by merchant as the original order indicated that the attorneys for the defendants ( a single party ) was to be personally served and consequently the number of copies merchant alleges to have made was not required. 
( 7 ) A second order was previously placed by me in the amount of {$74.00} for which the merchant also had not charged me for. 
( 8 ) On XXXX XXXX, 2016, I inquired via email with merchant to determine why I was n't charged. 
( 9 ) Nevertheless, as merchant fulfilled the terms of this order, I informed merchant to charge my credit card. 
( 10 ) Merchant charged my credit card a total of {$130.00} for both of the orders that I placed, but the amount in {$58.00} was unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Other service issues

Complaint: I have received around {$800.00} in overdraft charges from my bank because I am unable to control Paypal funding sources. Paypal requires that a bank account be linked to the account, and then you also add a credit card for backup funding. I have tried multiple times to modify the priority of withdrawal so that my credit card is the backup source to the paypal balance. Even though I thought I was successful in changing the priority of funds, there were other conditions that I can not easily see or understand causing a draw attempt against my bank. During my most recent calls I tried to have the undesired bank completely removed from the account. The call ended with the phone service rep telling me I could n't do it because there was a pending charge still open ( on XXXX of the overdrafts ) and once that settled I would be able to close. After the charge settled I was still unable to close. I tried over and over, and then stumbled upon a billing agreements section, I also cancelled accounts and made changes, but even those were not effective. Today I called again to complain. The Service Rep to me that charges XXXX go to the balance, then go to bank and then other funding sources. I asked then why is there an option for a backup funding source if Paypal still attempting to withdraw from my bank? I read to her the settings that were applied to XXXX of my billing agreements ( XXXX ) it clearly was set to Balance, then my XXXX CC. She had a XXXX sec silence and could n't respond. This was the tipping point for me, I asked her to cancel my account completely .... she was unable to do this, again stating that because of another open transaction she couldnt do it and that I would need to wait for that to settle. They fooled me on that XXXX in the previous call and it cost me another {$70.00} in fees, so I persisted in requesting that all billing agreements be cancelled. She said she did, and I was online when she said that she performed this, but when I checked, many of the accounts were still active. And again I asked why she could n't simply shut down my account. Frustrated I asked a second time for a supervisor. She placed me on hold and then a few minutes later the call dropped ... I came straight here to provide complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, Equifax and XXXX are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. Equifax has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with Equifax of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form Equifax offers for consumers to make requests to update their credit files will not allow for the full 100 word Personal Statement, as mandated by Federal Law. Meanwhile, XXXX similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that Equifax and XXXX would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of 100 words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, I am an elderly woman, after my husband died 2 years ago, I appointed my son, XXXX XXXX, as my Power Of Attorney. My son has brought to my attention some very disturbing information about the mortgage my husband had with XXXX XXXX Bank. 
XXXX has worked very hard to get information regarding the loan from XXXX Bank, who claims they own the mortgage, but they have yet to answer our questions. Unfortunately, XXXX Bank claims that my son has to deal with SLS, even though it is XXXX that is suing me. 
This has all become very confusing, my son says he cant get the information I need to defend myself. XXXX and SLS are running him in circles. XXXX is asking for a " summary judgement '' against me, and we have n't even had our questions answered yet. SLS and XXXX are stone-walling us at every turn. I have applied for a loan modification through the XXXX program, but so far with no success, because XXXX and SLS are asking for my personal information, which I will not give out, until they provide me with proof that they in fact do own the loan! 
please help me, I do n't know what to do next. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was shocked when I reviewed my credit report and found items on my report that are not mine. Creditor : Pinnacle Credit Services Account # : XXXX XXXX I have never had an account with Pinnacle Credit Services or its affliates. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American express advertised referral promotion for the credit card. I have referred family member and met the condition of referral promotion. However, after 12 weeks of meeting the requirement, American Express is delaying giving the promotional points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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 pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted  XXXX , about a unauthorized inquire showing up on MY Experian and  XXXX   XXXX  credit report back in  XX/XX/XXXX . I  have reached out to  XXXX  several time from    XX/XX/XXXX   to  XX/XX/XXXX  with no   resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind.   XXXX  I have been a vi ctim of Identify theft twice within the past 10 yrs. I have co ntacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all  XXXX  credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.

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