milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Debt collection (I do not know) with Peerless Credit Services Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please help me ; these are just some of the debt collectors whom I do not owe money to are calling ; They demand your social security number or name and address before speaking to you then say they can not divulge any of their info or who they are ; Please keep them from calling my phone ; I have been registered since 2000 and re-registered over and over and I still get these calls ; The following numbers are ; ... XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; 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 02/23/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: XXXX XXXX XXXX is reporting fraud for a bank of america account bank of america closed there was no fraud

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 11/17/2015 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (VA).
Issue: Using a debit or ATM card

Complaint: Dear Sir/Mdm, XX/XX/XXXX, I submitted my complaint against Paypower ( case number : XXXX ). 
On XXXX/XXXX/2015, the company replied through your agency stating " Blackhawk will need XXXX XXXX to send in proof of identity ( state issued ID ) and a copy of a utility bill proving an accurate address. Once we receive this information, Blackhawk will issue a full refund check to XXXX XXXX at the address he confirms with his utility bill. Further, as a courtesy, Blackhawk will also credit the current monthly maintenance fee that has been assessed. " However, after sending all the documents, the company still illegally hold my money in spite of my numerous requests. The below is my XXXX/XXXX/2015 email to the contact person which the company asked me to contact. 
XXXXXXXX XXXX , This is my Fourth email in two weeks asking for refund. I have not got any reply and it seems that you completely ignored my requests. 
If you feel this is not the situation, please reply and let me know. If it does, I have to acknowledge that you have no refund intention and I need to move forward. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXI think this company is a scam. Please help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX my wife and I got a 2nd mortgage on our house thru XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. It was for a term of 120 payments begining on XXXX/XXXX/XXXX and would be paid off on XXXX/XXXX/XXXX. They were paid in full in XXXX XXXX and have not dropped the lien on our deed. Ca n't get in touch with them due to them going out of business in XXXX. We are trying to refinance our house to a lower interest rate and have been approved all but for the lien they have on the deed. This needs to be removed because they did get their money in XXXX when we filed chapter XXXX in XXXX thru payments. We have final decree papers that show a zero balance for them and this will be a big mess for our estate when we are departed if lien is still on deed. How can this be removed? Any help is great.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Hello, this is in regards to : XXXX XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and the careless, biased, negligent and possibly criminal way in which he handled my file and put a lien on my house and his incompetent assistant named XXXX XXXX. In a 90 day period, they put my through XXXX, charged illegal fines and fees including an appraisal which was not needed and charged XXXX and they were reckless and careless with my personal information. I would like a full investigation for a file for me XXXX XXXX regarding a purchase Refi.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

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 10-04-2017 about Debt collection (I do not know) with Alliance Data Card Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently completed a XXXX program and XXXX of my student loans were placed immediately into repayment. I was informed over the phone that consolidated loans were not eligible for a grace period after completing school, hence the immediate repayment status. I was not informed of this, however, when speaking with a representative that recommended the consolidation initially. At that time, I was unable to make payments on my student loans and knew that they would be deferred upon starting XXXX school. I was advised that XXXX the loans was the best course of action, but was not made aware that I would have to be prepared to pay as soon as I completed XXXX school.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ XXXX balance for an account that is n't mine. Initially Equifax removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me Equifax looked into this and confirmed. They need to remove this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 09-08-2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (AL).
Issue: Problems when you are unable to pay

Complaint: I had a car loan and at the end an amount was charged off. Within a month of the chargeoff, the remaining balance was paid in full. This is no longer an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax changed the name on my credit file after XXXX fraudulent credit application. The name used on that fraudulent application was incorrect and not a verified alias. They refused to change it back to the correct name when I reported the identity theft to them unless I submitted a copy of my social security card, but did not offer a secure way to do that. They informed me that if I applied for credit using my correct name they could change it back, but a valid police report was not acceptable to fix it. The person that fraudulently used my social has continued to open accounts and even accessed my existing accounts. I believe this theft may have been unintentionally aided by the incorrect information at this major credit reporting agency. I have not been made aware of Equifax doing any sort of investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing ( SPS ) has now contact family member in attempt to harass me for a mortgage loan that was dismissed by a judge. I have made prior complaints on SPS for leaving notes and taking pictures of my property every month on Saturdays, but now they are calling my relative in attempt to humiliate me more. I want SPS to stop with harassing tactics and leave my family and relatives alone. Please advise,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (CO).
Issue: Closing/Cancelling account

Complaint: Had to call 3 times to get my account closed.

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 09/18/2017 about Debt collection (Auto debt) with Credit Management Services, Inc. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Today XXXX/XXXX/XXXX I received in the mail a notice that I owed on a debt ( pass due account ) that I have never been involved in or been the primary beneficiary of loan. 
I have never received any correspondence and /or notification in reference to this debt ever! 
Approximately 4 to 5 years ago my oldest son XXXX XXXX got a loan for a PU from a dealership and I was requested by dealership to be a reference to his loan. I specifically told them that I would not co-sign a loan as I was going through a divorce and was working on my own financial needs ... The paperwork was filled out at the dealership by the car salesmen ( not at the bank and not before a bank loan officer ) and I was told to sign just for a reference. 
Several months later my son lost his job and was unable to make his loan payment ... He made some type of arrangement with the dealership/bank to turn the PU back in to settle the loan ... ( That 's what he told me what happened and until today I have not heard/ received any correspondence/notification of any type from the bank/dealership or anyone else involved with this transaction. 
Now I 'm told by Credit Management of XXXX XXXX when I called them today. That I 'm the primary person on the loan and that I initially owed them {$4200.00} and with additional interest of {$4300.00} and need to pay immediately a total of {$8600.00} Or they will have judgment against me. 
Credit Management said they did n't know anything about any notifications from bank ( original creditor ) as the just bought this past due account in XXXX. 
I did n't even know there was a problem with XXXX XXXX XXXX and XXXX until I received the notification today. 
I feel XXXX XXXXl and Credit Management are after me due to I have a stable financial situation and I have more assets then my son. Where my son is still in the process of working on his credit score and financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: This email serves as an appeal for Paypal XXXX XXXX for a transaction of {$4900.00}. 
I am very disappointed in Paypal 's response and communication on the matter. I have spoken with XXXX account specialists that all said everything would be resolved within 72 hours. Case was ruled in merchants favor, even though I was clearly scammed through a merchant that is selling a faulty software that does not work and has not represented it correctly. 

In addition I have sent multiple emails and no response either. Being ignored is not appreciated by Paypal The transaction of {$4900.00} pertains to an automated futures trading software that was misrepresented and did not work with no results to back up the software. The merchant falsely submitted proof against me that paypal accepted and used to rule against my favor. After doing intense research on the transaction and the merchant I discovered the merchant fled the United States and now live in the XXXX after receiving death threats from former customers that paypal did not grant refunds for. 

In addition I was promised by a Paypal representative that Paypal would take my side on this issue. 

The attached proof shows that this merchant is clearly a scam and Paypal is not doing their job to protect the consumer. My next step in this case will be to send a legal complaint letter to Paypal. 

Other friends of mine have received refunds from XXXX. This merchant is clearly baiting and switching its clients to buying a useless and scam software. 

I have also filed a BBB claim regarding this issue, an FTC filing, and a complaint with XXXX XXXX. 

Attached is proof for my Case, and I hope to prevent any other buyers getting scammed by this merchant as he has abused the system. Also attached is an XXXX form against the merchant. 

You can reach out to me via phone or email. XXXX or XXXXXXXXXXXX. 

I will continue to pursue this case and have my money refunded, and pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.

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 04-11-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was contacted by a collection agency saying I owed money for a car accident I was never in. The collector claimed that I was driving a XXXX ( which I have never owned or driven ) and hit another vehicle, and refused to give my insurance information. None of this has ever happened. I requested a validation of the debt and all the documents the collector responded with were completely redacted, except for my name, former address, and social security number. I was never contacted by an insurance company, only the debt collector. I went to the police and filed a report, and while I was there the collector called and spoke to the officer. It appears likely that someone has given my name and filed a false insurance claim using my personal information. The debt collector was never able to tell me any thing about the accident, or the other party involved. 

I have repeatedly told the collector that I do not, and have NEVER owned or even driven the type of vehicle in question, and I was not in an accident of any kind in XX/XX/2016 as they allege. I have already filed a police report with the XXXX County Sheriff 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation