milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other

Complaint: On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband cancelled our gym membership on XX/XX/XXXX .We signed up as a family on a month to month basis after a year we noticed we did not use it much, he was told he had to go in the office to cancel it and that 's what he did .On XX/XX/XXXX they tried to debit his bank account and it was returned by his bank, and then they tried coming after me for payment.On XX/XX/XXXX I was told I still had an open account, so long story short I was told I owed them {$20.00} dollars and that I needed to come down to their office and terminate my account.I did that on the same day they sent me the email.I now received another notice stating that I owe {$40.00} more dollars or they wills send my account to collections.I contacted XXXX XXXX today on XX/XX/XXXX and told them I cancelled this service back on XX/XX/XXXX and was told they have not received the information.I told them I do n't owe this money and that I have paperwork of the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Repeated denials for  XXXX    XXXX   cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report.  XXXX   XXXX  stated to apply again and denied again for the same reason Chex systems. My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: information compromised by cyber hack.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with Selip and Stylianou LLP. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified USPS mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that Selip and Stylianou LLP had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that Selip and Stylianou LLP served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number

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 12/18/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections 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 06-08-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called up Equifax about an error in my credit report that they said was resolved and when I checked on credit karma more then a month later the mistake was still there. I have contacted the original debt issuer ( XXXX XXXX XXXX XXXX ) and informed them that they were charging me for a bill ( {$320.00} ) that was my mothers not mine and they had told me they had contacted the debt agency ( XXXX XXXX XXXX ) and told them. Then I contacted XXXX XXXX XXXX and let them know the situation and the lady on the phone said XXXX XXXX XXXX has called and informed them of that and it will take about up to 30 days for it to go away. I asked them if they could email me a conformation of this or send me something in the mail ... There response to me was " NO, we do not send anything out. '' ... few months later is when I contacted Equifax. This is the only credit agency with this debt on it. When I was on the phone with them I questioned them about it the person i was talking to seemed to mess up alot of his answers, as if he did n't know the right thing to say until I told him they emailed me telling me the dispute was resolved and would be removed in 30 days. When I continued to question him on why it is still on the report and how they could resolve it and then never take it off he hangs the phone up on me. I am not sure how else or who else to question about this debt that is being charged to my credit even though the bill was created before I even turned XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion credit reporting agency is reporting on my credit report an account that was closed on XXXX XXXX 2009. There is a statue of limitiations of 7 years and it should be deleted off my report. The account they are reporting is " XXXX XXXX XXXX credit card ''. This account should be deleted off my report since it 's been 8 years since the account was closed. I tried to contact transunion and they kept discussing my current XXXX XXXX accounts ( I have 2 seperate accounts that are in excellent standing and open accounts ). I explained I am not speaking about my current accounts I am talking about the one that is 8 years old. I was told it would be deleted. Upon checking my credit report today I noticed that this account is still reporting. This information is outdated and should be deleted.

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 11/13/2017 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: Investigation took more than 30 days

Complaint: I have asked Equifax to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on 10/10/17 and it is now 11/13/2017 and Equifax has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX current and only address need to be showing XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Credit card debt) with Greenback Recovery Group, LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

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 07/26/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION ().
Issue: Using a debit or ATM card

Complaint: I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any 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 09/30/2017 about Student loan (Federal student loan servicing) with Ability Recovery Services, LLC (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX CLOSED DUE TO ILLEGAL PREDATORY LENDING PRACTICES. THERE ONE OR MORE EDUCATION LOANS APPEARING ON MY CREDIT REPORT Date Closed XXXX/XXXX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Other bank product/service) with ZIONS BANCORPORATION (UT).
Issue: Account opening, closing, or management

Complaint: I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED

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 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe I do not owe this i have been writing for years asking for proof and to remove from my credit reports.

Company response to consumer: Closed with explanation