milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Debt collection (Medical) with Integrated Recovery Services (WY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A company by the name of Integrated Services contacted me as soon as I asked them to put me on a do not call list the caller referred to me as a " XXXX '' After telling them to not call me again I hung up thinking I was done. I later received a recorded message on my voice mail from the same company saying they were looking for my ex wife. I called them back and informed them I did n't know how to get a hold of them and to stop calling me. They instantly became belligerent, so I hung up and filed this report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage Servicing Corporation refuses to pay our property taxes. I have had a mortgage with Roundpoint Mortgage Servicing Coroporation for XXXX months. No taxes have been paid the entire time. I have contacted Roundpoint Mortgage Servicing Coroporation every day by phone and email for 14 days. No resolution of the unpaid taxes. 
I now have late penalties and a pending lien on the property due to Roundpoint Mortgage Servicing Coroporation

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: Submitted request for verification and removal of several items. Credit bureau, Experian did not send proper verification and refused to remove. XXXX XXXX Bankruptcy Ref 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 non-monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called Wednesday XX/XX/XXXX to dispute the loan balance showing on my credit report confirmation number XXXX. Citizens reported my balance as XX/XX/XXXX as {$26000.00} and XX/XX/XXXX {$26000.00}. This is a new car loan that was opened XX/XX/XXXX original balance {$26000.00}, so my balance should not be increasing. I made my first payment on XX/XX/XXXX for {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (MN).
Issue: Fraud or scam

Complaint: Dear Sir, I purchased several  XXXX  giftcards and   XXXX   giftcards from  XXXX  on   XXXX   in  XXXX  and  XXXX  and recently I found that the cards carry balances o f Zero ( 0 ). I  have never used the cards myself for any purchases. As I made a google search I found that   XXXX    system was hacked in  XXXX  and my card information was stolen, same as many of the others. I have never gotten any information from ether  XXXX  or paypal about the system hacked. Clearly they tried to hide the information from the customers. I tried to contact   XXXX   but I was ignored. I filed complaints on  XXXX  website but the cases were closed since the purchase dates are more than 180 days. So I need your help to get the money back and let many of the others know about  XXXX  and paypal 's problem.     Here is the purchase information  : 1. {$ 75.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,   XXXX   item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  giftcard, purchased on  X/XX/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number  XXXX  pin  XXXX . The card has a balance of {$2.00} when I used it.      XXXX   XXXX  of {$100.00}  XXXX  gift cards, purchased on   XXXX  ,  XXXX  item id :  XXXX  transaction id  XXXX  card number  XXXX  pin  XXXX  and  XXXX  pin  XXXX   XXXX . {$150.00}  XXXX  goftcard, purchased on  XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX   XXXX . {$100.00}  XXXX  goftcard, purchased on  X/X/XXXX ,  XXXX  item id :  XXXX  transaction id :  XXXX  card number :  XXXX  pin  XXXX  Thank you very much for your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX that originated in 2009. Earlier this year, XX/XX/XXXX, I understand my loan was sold to LoanCare ( a XXXX XXXX XXXX ). When I got notice of this change, I started paying LoanCare per their instructions. I have continued to make my monthly payments to LoanCare, but I have been receiving notice from LoanCare that they have not received my payment and that my mortgage has gone into default. This should be not the case because I have been paying my mortgage and the checks have been clearing my account. I have contacted customer services numerous times but have had no success in resolving the issue. I would like assistance in working with LoanCare to update my account to reflect the fact that I am not in default.

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 05/27/2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: As requested, I sent a detailed explanation of my situation to AES for them to forward to the lender. This was nearly 2 months ago, and I still have not heard back from anyone, other than to continue with the threatening & harassing emails, phone calls, and letters ... to both me and my elderly mother! They have completely ruined both or our credit scores.     The last correspondence I have had with them was back on  XXXX   XXXX  : " A request has been submitted to have your lender contacted. Please allow up to 10 business days for processing. We can not provide a response time for your lender nor can we guarantee an outcome. '' It is now  XXXX   XXXX , and I 'm still waiting to hear from someone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Installment loan) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Managing the loan or lease

Complaint: My complaint is about telephone calls to me from a debt collection company. I have no outstanding debts of any kind. Yet I continue to receive telephone calls from this company whose website self-describes as a debt collection specialist. No message is ever left on my answering machine and many different numbers are used, presumably to defeat the call-blocking feature of a home phone. 
I went to the company 's website on XXXX XXXX XXXX, 2015 and stated that the calls had to cease as I had no outstanding debts so there was no case to be had with me. The calls resumed this morning so I am filing this complaint. 
Your form required me to choose a type of loan, but there is no loan concerned with this company or me. Your form also required me to best describe my issue, but again, there is no loan, so my issue is best described as harassing or annoying phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
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 disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (KS).
Issue: Loan servicing, payments, escrow account

Complaint: Fraudlent AppraisalBreach of contractDenial of due process ( Arbritation ) Illegal accounting practicesIllegal use of Government Funds ( XXXX ) HFC lured Me into a loan agreement by overvaluing the residence by {$70000.00}. I was denied arbritation and taken to Civil Court. My contract stated if arbritation was requested by one Party the Other Party could n't seek relief in Civil Court. HFC would n't account for the large amount they recieved from XXXX and other charges applied to Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted an online dispute with equifax on XXXX/XXXX/XXXX for erroneous information on my credit report. The confirmation # is XXXX. It was says the completion date is XXXX and the results are N/A, but it also says the items are currently under investigation. You should receive the results of our investigation soon. I contacted them and was told that the investigation has not been completed and the results will be available soon. It has been past the 30 days and it says completed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account on my credit report listed as XXXX XXXX with a balance of {XXXX} that I have never had/nor opened an account with at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but Equifax and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with PNC Bank N.A. (MD).
Issue: Advertising and marketing

Complaint: My Visa credit card had an advertised benefit about extending manufacturers warranty by up to one year. When I called Visa to use their warranty for a {$900.00} dishwasher bought entirely on a card issued by them, they denied my claim. While I believe I satisfied all clauses for the claim, they said as the dishwasher is hardwired for electrical connection, the item was excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once 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 explanation
Consumer complaint received 08-12-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The Account referenced has been placed with a collection agency by XXXX XXXX XXXX multiple times in the past. after a past complaint the account was removed from my report. Now months later it has reappeared again ( XXXX XXXX ). Please see attached documentation from previous mistakes by XXXX XXXX After the last time the XXXX representative assured me and the representative from The CFPB ( on a conference call ) that this was not going to happen again. Yet again It has appeared on by credit report. How Many times does XXXX Get to play this game? 
This time " XXXX '' Is now the Collection agency XXXX. 
XXXX ( XXXX ) XXXX XXXX, MT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Sometime in the last 2 years, Bank of America converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Bank of America locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Coinbase, Inc. ().
Issue: Problem with customer service

Complaint: Hi I have a account with coinbase and i hold funds in my account.i withdrawal XXXX euros from my digital coinbase account to my bank account on XX/XX/XXXX and they send me transanction ref number and told me that money will reach into my account on XX/XX/XXXX.but payment didnot come.then i email them that i didnot receive any payment.they told me that it could be delayed upto 10 working days.i waited 10 more working days but still money didnot come into my bank account.i emailed them many times but no reply. 
I making a complaint against XXXX XXXX XXXX.please help me to claim my money from coinbase My case ref number is XXXX My withdrawal ref is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   N.J.  XXXX  Experian  Attn :   Complaint Department   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my   XXXX   credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX   (   XX/XX/XXXX  ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.   Sincerely,   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 non-monetary relief
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with Optio Solutions, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: COmpany called me stating the lady was from XXXX, I made a payment to XXXX, only to find out the lady lied to me and is infact a debt collector from the company Qualia Collection Svcr. This lying is misleading and wrong. I spoke to XXXX directly to make the payment in the past, and not this company. Lying is not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: they refused to answer questions and then hung up on me at exactly XXXX. They were very rude and wouldnt explain their poloicies.

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 09/27/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Phone listed is XXXX and XXXX XXXX XXXX XXXX XXXX XXXX For the past year, I have received this call. Robot call for phantom debt. All my debts except student loans were discharged in bankruptcy in XXXX. My student are on a income base payment. Since I live in a Democratic state, I believe it is attempt of Obama supporters and federal employees loyal to him and his policies to maintain power. I have known they are willing to discredit anyone with lies. For example, I was not able to receive my XXXX payment until very recently from a application in XXXX during a Democrat presidential era. Another is they purposely claim I did not have the degrees for several jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. 
They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. 
Both companies are based in XXXX, MO.

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