milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: I am complaining about paypal decision on the claim I filed. " I purchased iphone 6s XXXX for XXXX on XXXX. I stated that I am buying it for my mother in another XXXX so I needed clean ESN but as it turns out it did not have clean ESN, it had unpaid bliss. So I waited to get to my home XXXX and then bought unlock service on ebay. It took a while, but today when we got message that phone is unlocked. We turned on the phone and finding out that it is on XXXX lock!!! Phone is not going through the activation process and asking for email and password. Unlocking process that we did, does not affect XXXX lock, it is written on apply website. Moreover, when we visited several XXXX stores, we were told than wrapping is not factory XXXX and that someone already re-sealed it.I am opening a dispute for this. I want either to get rid of XXXX or i want my money back! The phone is still new, I could even activate it or used because it has XXXX lock. '' I filed a claim asking to remove XXXX or sending phone back and get refund. Paypal decided the case not in my favor, so no remove XXXX or send phone back and get money. I have a phone that I cant use, I cant neither fix it or send it back and Paypal is deciding in seller 's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Unsolicited issuance of credit card

Complaint: I 'm listed as an auth user on this account, I did n't request that. Would like to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me ) name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me ) which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ 2,500- {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the BK dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.

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 07-10-2015 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (NC).
Issue: Managing the loan or lease

Complaint: I have XXXX automobiles financed through World Omni Financial XXXX Southeast Toyota Finance - SETF ). XXXX accounts are showing payments made on time as XXXX days late XXXX. I have contacted XXXX on numerous occasions and while they state I am correct that these payments are not late the customer service representative and supervisor state that I must dispute this with the bureaus as they supposedly have no control over how the bureaus report accounts. They have refused to contact the XXXX credit bureaus to have this corrected and reported accurately even though they admit that the payments were made on time. I would like the late payments removed for XXXX and XXXX XXXX corrected immediately as you can easily see on the statements from SETF, these payments were made on time. Afterwards, I would like all of my payments reviewed and corrected on my credit report. With the most recent obvious errors made by them, I now question the accuracy of all reported late payments. I do know there were a few late payments in either XXXX or XXXX, but not as many as they are reporting. With their refusal to correct the issue on my behalf, I would like to know if they are being truthful in their statement that they can not have the errors corrected. XXXX accounts have been paid through XXXX of XXXX. If there is a way to show these on time payments as well, I would like for those to show as well. I am currently paying for credit reporting services to monitor these accounts closely. If it is found that the lender could have easily corrected these inaccuracies, I would also like to be reimbursed for all costs associated with these errors. Thanks in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not 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. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

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 09/24/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is trustee to the account of my mortgage, serviced by XXXX. For the last five years I have battled these companies over issues such as illegal foreclosure, where they sold and repurchased the property for XXXX more than the original loan while I was applying for loan modification. Wells Fargo rescinded the sale but left the principle balance at the higher amount. Communicating with them is impossible as the call center is outsourced to XXXX. There is no communicating with these people They simply do not understand the issue and are like robots you can barely understand. Wells Fargo denied they have a connection to me. I am unable to participate in any programs to save my home. Apparantly this is an illegal XXXX equity loan that we simply did not understand. How can the average consumer win with the big business bankers? Who can help? What happened to the american way? After 16 years of paying a mortgage my principle balance is more than the original loan and I will lose the house XX/XX/XXXX. I was offered only to agree to foreclosure, no other options available from XXXX, the servicing company who 's motto is ; " Helping people is what we do '' This is my last attempt to find someone who will listen. I will have to let them win in the end and just walk away like so many other americans have had to do. Lose everything and start again while executives live the life of luxury. In XX/XX/XXXX-XX/XX/XXXX I invested XXXX dollars with an attorney and a class action suit to battle XXXX and Wells Fargo. Just before settlement my attorney disbarred and left me hanging. If this complaint is actually seen or read, I respectfully appreciate any help or direction with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Payday loan) with DYNAMIC RECOVERY SERVICES, INC. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: states its from a payday loan during my service time in Texas 10yrs ago. Military was not allowed to do payday loans at that time and most places would not even let you apply. But i receive repeated calls over the last 9 months. Will not verify debt. Requested debt be sent back to original debtor for proof of debt, Dynamic Recovery explained it would take 1 week to not receive calls anymore. That was XX/XX/XXXX. Most calls hang up on me, others will be rude and dismissive and never will a voicemail be left. Most recent call today XXXX.

Company response to consumer: Untimely response
Consumer complaint received 03/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I made a {$1600.00} US transfer to a friend via XXXX linked to Bank of America. My friend received a text message to her cell phone saying that she should receive the money soon. That never happened. 
I opened a dispute with the Bank but they dont want to return me the money, even when I have the screenshot of the text that my friend received.

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 03/31/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a Citibank Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my XXXX. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted Citibank and was told that XXXX XXXX XXXX was had the account. I contacted them and was told that they had not received the money from Citibank yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from Citibank and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past XXXX moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that Citibank nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (VA mortgage) with United Military Mortgage, LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: I am a Veteran, and am tired of getting these shady offers in the mail. It is a rip off and I am sure there are veterans who fall for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I got a call from my father a few weeks ago about this collection agency trying collect a debt from me that was 10+ years old. They told my father what I owed on the debt and that I was in trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help in advance.

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 03/29/2016 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: 1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 
2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 

3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 

4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 

5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 

6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 

7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Capio Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Capio Partners has called me excessively to the point of harassment over a medical debt from XXXX. They have listed the debt as XX/XX/XXXX which I have never attended XXXX XXXX. I was at that time living in Florida. They reopened a debt from XXXX!!!! And are claiming it's from XXXX! I am a Florida resident and the statue of limitation on this debt has reached it's point. I have tried to explained that I have always had health insurance. I was admitted to a Hospital after a car accident in which the other party ran a red light. The Hospital billed my insurance incorrectly and they never resubmitted but instead billed me. I tried to resolved it numerous times submitting XXXX XXXX insurance, social, military id and the hospital told me that would be all. Years later I hear from them non stop ... nothing in the mail just calls all week long to no avail. They use profanity, threatened to damage my credit score more than they already have. Please help me so that this company stops these illegal practices. They are acquiring old debt from hospitals that failed to bill health insurance correctly either because of the lack of training of their accounting/health staff. There are federal/state statues of limitation that this company is not adhering to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (NY).
Issue: Taking out the loan or lease

Complaint: On or about the second week in XXXX XXXX I received a call from State Farm Bank asking for a past due payment on a car loan. I asked why they were calling me for payment. The collector stated that I was the co-borrower on a loan for a XXXX XXXX XXXX and that State Farm was unable to reach the primary buyer XXXX XXXX. I was very concerned about my credit being destroyed so I began making payments to State Farm Bank in an effort to preserve my good credit. Kindly note that XXXX XXXX is my son-in-law and he left XXXX in XXXX XXXX and now lives in XXXX. I am upset because I can not afford the {$740.00} per month car loan payments. I never co-signed for a loan for the XXXX XXXX nor did I authorize anyone to sign my name to a loan. I requested that State Farm Bank send me a copy of the Vehicle Loan Application and the Promissory Note and Security Agreement so that I can see if someone forged my signature. The signature on the Vehicle Loan Application and the Promissory Note and Security Agreement are in fact not mine and I am the victim of identity theft and forgery. I also went through papers given to me by my daughter that were left in her care by my son-in-law XXXX XXXX before he left for XXXX. I discovered a copy of a Power of Attorney that I did sign. I did not sign this document in the presence of a Notary Public although a Notary Public named XXXX XXXX XXXX claims he witnessed my signature on XXXX/XXXX/XXXX. I do recall when my son-in-law asked me to sign the document ... I was at home with my wife and son ; it was evening ; no Notary Public was present. My son-in-law indicated that the document was needed to check my credit and that the document I was signing was not a car loan. XXXX XXXX informed me that if my credit was good enough, I would need to be present at the dealership for a loan to be applied for. I also found a Bill of Sale and Odometer Disclosure Statement that only lists XXXX XXXX as the Buyer and there is no name listed as a " co-buyer. '' I have attached the Power of Attorney ( dated XXXX/XXXX/XXXX ), Vehicle Loan Application ( undated ) and the Promissory Note and Security Agreement ( dated XXXX/XXXX/XXXX ), Bill of Sale ( dated XXXX/XXXX/XXXX ) and Odometer Disclosure Statement ( dated XXXX/XXXX/XXXX ). I need assistance because my only option is to stop paying and wait for State Farm Bank to sue me in order for me to prove to a Court that I am not legally responsible for this debt. To exercise my right to have my day in Court would be costly and destroy my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with D2 Management LLC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.

Company response to consumer: Closed with explanation