milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. 

When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. 

Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar Mortgage. In XXXX, 2015, made a payment which it was interest only. Today, when I was about to make the XXXX payment I realized that the funds were not applied, I presume because my plan changed to regular amortization. 
My complain is that I was not advised of the change during the last 60 days so I could refinance ; they do not send me any document in writing by mail, and by e-mail I was not warned to. I need to refinance my XXXX and XXXX mortgage that has been impossible since my mortgage is not owned by XXXX or XXXX XXXX, so it will be a no ending struggle with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with CITIBANK, N.A. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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 mailed a certified letter of a n Inquiry remo val letter to Equifax on  XXXX   XXXX ,  2017 .  XXXX   XXXX ,    2017  I received a letter from them basically describing what inquires are. This is the second letter I have sent to Equifax about these inquiries and no real investigation has been done. Less than a week I 'm receiving a letter that does not tell me if my inquires will be removed or not. It seems my letter was opened and closed and that was the end.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with JPMORGAN CHASE & CO. (OR).
Issue: Fraud or scam

Complaint: Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: AMEX is reporting a balance due for an account that was closed in 2010. By law the balance is no longer collectible as the statute of limitations has run.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with RateBeat LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I have contacted Rate beat llc, a mortgage company to do my re-fi after i heard about them in radio XXXX. I started speaking with the President, XXXX XXXX and provided some basic docs. day XXXX we agreed upon, no closing cost and LPMI. by reviewing my case he found a rate of 4.125 % with XXXX lender. I signed consents and provided details information. both my and my wifes credit score was pulled. I got conditional approval after 2 weeks and ready to close. After that I got another consent from a different lender. When I inquired, XXXX advised that the rates are better and they would do a rate of 3.75 % and submitted my details with another lender. I had to agree and went ahead with the consents signature and all other docs, like XXXX, XXXX, tax return, ssn, bank stmt etc. I got conditional approval from 2nd lender also. I was also charged for some transactions and when asked i was told it will be returned during closing. After 2 weeks when I started following up they are saying i am not eligible for the loan program they put me under. This is really not correct and unacceptable. They would have found the program eligibility from dayXXXX itself and not after conditional closure. I believe they are not reliable and trustworthy. Before anyone becomes the victim like me, it would be better the govt. know about this and take proper action. Also, please advise how can I challenge their process and the way they handled my loan. If there is a legal way to handle this? I am concerned about all my and my spouse personal and financial details including ssn is with them which can be compromised. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2017 about Debt collection (Medical) with PHOENIX EQUITY PARTNERS LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This was an incorrect bill from 2010 that has already been resolved and removed from collections and credit report in the past at least twice.

Company response to consumer: Untimely response
Consumer complaint received 10-05-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: PayPal received an overpayment from my personal bank, in which I requested a refund, and a check was sent to me in the amount of {$200.00}. I never received the check. However the check was cashed by a XXXX party that I do not even know. Now, I am being advised by PayPal I must file a complaint with the XXXX XXXX XXXX that cashed the check. However, XXXX XXXX XXXX says because I am not their client, in which PayPal is their client, PayPal must complete the fraudulent activity. PayPal refuses to file the complaint, or send me my {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX I sent EXPERIAN a letter requesting to remove unauthorized inquiries on my credit report! The accounts are listed below. 
XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The response I got from Experian was that the inquiries are factual record of file access. 

However if these inquiries are factual they must provide me documents bearing my signature from these companies, otherwise these inquiries must be deleted under federal law! 

SECTION 609 OF 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 11/22/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Fist Advantage was hired to do a background check on me by XXXX 's ( XXXX ). They falsely reported that I was convicted of a felony. After numerous lies being told to me and multiple dispute " tickets '' opened they say that they have updated XXXX yet I am still being told that they have yet to hear. This is costing me financially. If they would have cleared up a honest mistake from the start I would n't be this frustrated but due to the gross negligence of their " investigation '' team I am suffering. As a " background check '' investigation company they should be able to see these things. I had to walk someone named " XXXX '' ( ext XXXX ) through the county website to show him that I do not have a felony on my record. It is all public but their incompetence and negligent team could not figure this out. I feel like they should reimburse me for time lost but I doubt this will happen until the court is involved. I am certain that I am not the only one who has been harmed by their practices. Please let me know what actions can be taken to prevent them from mistreating anyone else and help to resolve this ongoing issue. They continue to lie to not only me but my HR representative. They will say anything to get people off of the phone and lie about actions being taken to help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.

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 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: This regards the following institutions : XXXX. IC system/ XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX ( this was on the letter head ) 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX, phone XXXX I received a letter from XXXX or the other of these ( XXXX addresses were on the XXXX of the letter ) for an outstanding bill from XXXX of {$21.00}. There were 3 options, the first of which was to use their website : XXXX. I went to this website and was given the choice of giving a credit card or paying by check. I chose the first. After filling out the entire application to pay ( requiring several pages ), I was told that, instead of using this method, I 'd have to call the XXXX [ XXXX ] number. So I called. 

What followed was a series of attempts to get me to 1 ) buy a medalert system, 2 ) buy a {$10.00} discount card and 3 ) buy a {$100.00} dollar discount card or 4 ) buy into a 'cruise ' that would probably cost me hundreds of dollars. When I declined all of these, they automated system hung up. I went through this whole XXXX twice, just to be sure the first time was n't a fluke. t was never allowed to pay the bill, neither online nor by phone. 

I have n't tried the 'pay by check ' option, nor will I, because I 'm quite certain that XXXX are bogus. It 's clear to me that this is simply a scam to get people to buy these worthless products and there is no intent to help the people pay the outstanding bill. 

Since none of your menus above cover my situation, I chose 'communication tactics ' and ''used obscene ... ', since I have to choose something.

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 05/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: MORTAGE LOAN WITH QCWEN nUMBER XXXX AFTER NUMBEROUS REQUESTS FOR MODIFICAITON DUE TO HIGH INTEREST AND FALLING HOME VAHOME VALUE THE COMPANY STATES IT IS A SERVER AND CAN NOTHELP ME DIRECTLY BUT SUBMITE MY REQUEST TO LOAN HOLDER. IWANT OCWEN TO COMPLY AND HELP ME STAY IN MY HOME. I BUILD THE HOME IN 1983 WITH A LOAN FROM MY DAD. HAD TO GE A PREDATORY LOAN FOT PYA PAY FOR MEDICAL COAST ASSOCIATED WITH CARING FOR A XXXX PERSON OF 16 YEARS. I TOOK THE LOAN IN AT 9.75 % ( XXXX TIMES THE NATIONAL AVERAGE. ) i REQUESTED MOTIFICATIONS AND REINSTATEMENTS NUMVEEADLY NUMEROUS TIMES. mY HOME WENT DOWN IN VALUE AND MY COST AND WHAT WAS OWED WENT UP. I NOW OWE MORE THAN WHAT IT IS WORTH.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Federal student loan debt) with URS Holding, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: Complaint Details : On XXXX XXXX 2016, I made an online purchase in the amount of {$160.00} from " XXXX XXXX XXXX " a company based in XXXX. This package would cover a tour and a dinner/show on XXXX XXXX and XXXX XXXX 2016. 
The refund policy of the merchant states that full refunds are given if requested within 24 hours or more before the tour date. 
The only contact information provided on the website, as well as in the confirmation email is a telephone number. 
On XXXX XXXX, 2016, I called the XXXX number provided in the confirmation email to request a refund. I was told by the representative that in order to request a refund, I have to reply to the purchase confirmation email they sent. I replied to that email on the same day. 
When I replied to that confirmation email, I received a failure response stating " Sorry, we were unable to deliver your message to the following address : '' XXXXXXXXXXXX. My subsequent calls to the merchant went unanswered. I did not use the services of the merchant as I later booked with another company. 
I then contacted Capital One on that same date, XXXX XXXX 2016, to file a dispute, clearly explaining that the merchant advertises refunds, yet provides no valid way for the customer to obtain said refund, although the customer is following their procedure outlined. In short, the merchant operated under false pretense and lied about their refund policy. 
Capital One then issued me a credit in the amount of {$160.00} ( full purchase price ) and noted that they would investigate further. 
Following their investigation, on XXXX XXXX, 2016, Capital One rebilled my account for the full amount of {$160.00}, stating that the merchant responded to the dispute and provided additional documentation. 
I submitted a response to Capital One on XXXX XXXX 2016, with my documentation, ( a copy of an email showing that I did in fact contact the merchant on XXXX XXXX 2016, but received a failure message ). 
It is now XXXX XXXX, 2016 and Capital One has made no effort to resolve this issue, and the charge of {$160.00} is still outstanding on my account which I should n't be responsible for paying ; I requested a cancellation based on the merchant 's refund policy and I did n't utilize their services. 
With this amount not paid, Capital One will charge me late fees and interest which will affect my credit rating. This is unfair to the customer. 

Please investigate and assist further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: APR or interest rate

Complaint: I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMERCE BANK (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe this debt. i have not lived at the address listed for over 18 years. This is the first time I have EVER heard of a XXXX card or the people who have garnished my wages in regards to this matter. I am being forced into poverty as the result of these people taking a literal pen and writing in almost XXXX worth of charges. on me and throwing my finances in a downward spiral. I am losing everything I have, because of this. I can not afford a lawyer because I am penniless right now. How are they being allowed to do this? This through my bank account into overdraft because I budget for my expenses and paycheck was not enough to cover my bills. I ca n't sleep nor eat, because my utilities will be disconnected in XXXX degree heat in Alabama. How are these people being allowed to steal? I do n't know these people, I have NEVER had a XXXX account Ever! Yet, these people want to steal over {$12000.00} from me. If this can help one person, then it has been worth it.

Company response to consumer: Closed with explanation