milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # 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 explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Amcol Systems , Inc is fraudulently reporting a Collection Account to my credit file and I am not liable for any debt to them. I have requested multiple times for them to discontinue reporting this fraudulent collection account to my report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Ignite Revenue, Inc. (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received an unsolicited credit card from Ignite. My understanding is that this is an illegal practice.

Company response to consumer: Untimely response
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with Bursey & Associates, P.C. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX sent false debt collection information to Bursey and Associates XXXX. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the XXXX office and they are suppose to remove this false claim from my name. What upsets me the most is that XXXX XXXX XXXX assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We leased a vehicle in  XXXX  of 2015. Part of the incentive was that the dealer would make the first payment of the lease. When we arrived to pick up the vehicle, we were informed that due to " credit '' issues ( which were not elaborated on ) we were required to pay an additional {$500.00} ; This was only disclosed when we arrived - not before. Since it was too late for us to change our mind, or get another vehicle elsewhere, we decided to pay the {$500.00} - HOWEVER, when they actually added up the invoice, they added yet another {$500.00} and then denied that they did so. We had to call the manager to re-calculate - and she then advised that we were right, and there was another {$500.00} added that should not be. Apparently, The dealer never lived up to its promise of making the first payment on our behalf - which was the original incentive for us to lease the vehicle. We set up 23 payments ( the lease was for 24 ). ALL OF WHICH WERE ON TIME OR EARLY. now GM FINANCIAL is reporting that I have a late payment on my credit report - which is NOT ACCURATE. I spoke with "  XXXX  '' at GM Financial who claims that she can not fix the credit report for at least 30-45 days, and only if she gets a letter from the dealer. My credit is very important to me, and I need to get this corrected, but my complaints are falling on deaf ears. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have been out of work on XXXX for a year and I have managed to get all my payments caught up until XXXX when Hurricane XXXX Came and I was without power and displaced 3 1/2 weeks.My XXXX bill was due on XXXX XXXX. 
I reached out to Southeast Toyota Finance on XXXX XXXX, XXXX asking for an extension for XXXX and was informed that they were no longer giving free extensions for hurricane victims as of XXXX XXXX. 

I informed the customer service rep that I receive a XXXX check on the XXXX of each month and I would not be able to pay the extension payment until XXXX XXXX. Even after informing SETF of my current situation ; I harassed with collection calls everyday until XXXX XXXX, XXXX ; On XXXX XXXX, I asked the rude customer service associate if I could to speak to a Manager regarding the written ceases and desist that is associated with my account. I I was told by the manager that I did not have a request on record. Exasperated I stated to the manager once again my intentions of obtaining an extension on my account once I received my XXXX check the next day. 
When I attempted to request the extension online, I received an error message and was instructed to call customer service. I called customer service on XXXX XXXX, XXXX @ XXXX XXXX and was told that, now since my XXXX bill has become due I am unable to get an extension for XXXX!!! XXXX must be paid in FULL they were willing to give me an extension on XXXX bill which is only 3 days past due. 

I am a XXXX veteran and I have been with Southeast Toyota almost 6 years and they are terrible to their customers. Sometimes life happen and bad things happen to good people ; the customer service reps make you feel horrible, they make you want to give up throw in the towel and the VEHICLE and not pay them another blood and tear stained dime. 
I am sick of the Harassing phone calls all day and if I speak to them today they will still call me right back the next or every two days regardless of what you thought you had resolved on previous conversation with the previous associate. 

They create barriers for customers to pay off loans I asked for documentation of my past extensions and agreements because you are unable to obtain information online and they send nothing in writing by mail verifying the transactions and agreements, my payoff amount has not changed in a year after almost 6 years there should be a much higher amount applied to my principle and there is no one to discuss your account with because the harassing callers do n't have access to your account or payment history they are just collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with Ballybunion Enterprises, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX , contacted my father on   XX/XX/XXXX  t o attemp collection on a debt i no longer owe in the amount of {$38000.00}. They discussed this information on the phone with my father about the debt which was illegal in the first place.  <P/> I had previously sent this company a letter by mail and email 3 years ago for them to cease any and all contact or communication being i do not owe this debt.  <P/> This debt was originally accrued in   XX/XX/XXXX .  It was completely pass the statutes of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: AR resources inc. XXXX XXXX XXXX for XXXX} open XXXX XXXX. do not now anything about that.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DCN Holdings Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The above debt collector has called my countless times and is not sending letters to my home regarding a debt they claim is owed to a gym. I explained to this company this debt is not owed as I had a month-to-month membership which I cancelled in 2012. This debt collector is also unable to produce any evidence this debt is owed.

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
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: Saturday,  XXXX   XXXX ,  2017 ; I m ade a payment before the  XXXX   XXXX  due date, but did not receive a payment confirmation number receipt of my payment or an email. On Monday,  XXXX   XXXX ,    2017 ; I c hecked to see if the payment was posted, and it was not ... I attempted to make the payment again, and it " went through '', gave me a confirmation number, but has yet to send me an email confirmation. While attempting to make the payment, I noticed that the screen did not state that it was past due ... Additionally, I noticed that once I clicked the payment button, all of my accounts appeared readily available to accept payments. This is preposterous, as only  XXXX  of those accounts appear when I login - my business, and  XXXX  credit card. Bank of Americ a ( BoA ) is tryin g to subject me to money laundering by having these accounts open but not giving me the ability to use each ... Additionally, not accepting payments or rather, not presenting a customer proof of payment is egregious.

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 07/31/2017 about Credit card or prepaid card (Government benefit card) with Comerica (MI).
Issue: Unexpected or other fees

Complaint: On XXXX/XXXX/2017, my daughter and I stopped for fuel and attempted to purchase it with my Direct Express card. The clerk informed us my card was rejected twice. I immediately called to inquire about the card status with Direct Express customer service and was informed of questionable/possible fraudulent charges made to my card from XXXX XXXX XXXX XXXX. I stated that I did not make any such purchase and immediately disputed any such purchases from the XXXX area as I 've never even been to XXXX. The CS representative informed me additional charges in XXXX were attempted and I could dispute those as well. I 'd like to know how actual cash purchases in XXXX were made with my Direct Express card while my card was here with me in America! The card was shredded and a new Direct Express card with a chip was issued by over-night mail. I made a police report. The reporting officer noted the incident on file but did not leave a copy of the fraudulent incidents with us. On XXXX/XXXX/17 I received a letter from Direct Express notifying me that fraudulent card activity could not be detected and the claim is due for closure. Direct Express instructed me to contact them for additional information to complete the investigation. After many attempts to contact Direct Express at level 2 ( which is the Dept which handles the investigations ), I was either disconnected or directed back to the website to verify my account balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX inquires from XXXX XXXX that were not authorized. I have disputed them in writing with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My fathers location is where my tax form was sent, i wasnt on the property at that time and told him to keep it safe. A tenant living on the property confiscated it. I move back file my taxes and everything seems good, not being very aware of the issue at hand wasnt very careful with personal info and was tricked into releasing certain information. I am new to this please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB in desperation. Our home is scheduled for foreclosure sale on XXXX/XXXX/2015 and Bayview will not postpone this sale. The reason for hardship was completely out of our control as XXXX is permanently XXXX. I have been out of work because I stay home and care for him as he needs XXXX hour supervision and care. I had been working with Bayview for a loan modification and just today after my loan was transferred to yet another rep. The previous rep told me they were requesting an appraisal as they were refusing to defer 30 % stating my value just happened to be 79.99 % and would need to be over 80 %. After disputing explaining the value is much lower making the LTV closer to 95 %, he was going to request an appraisal. The very next day, a new rep was assigned and a denial letter was issued today, XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, Transunion, XXXX and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is already being collected by another debt collector!

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 05-12-2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On  XXXX   XXXX  this company left a threatening voice mail on my phone as well as my mothers indicating my 'file ' wound up on their desk and it would 'behoove ' me to contact them before  XXXX  at  XXXX , however no one ever answers that number, and I have no idea who or what they are wanting. Message attached

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 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.

Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.

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 06-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a second mortgage that was sold to GreenTree by XXXX XXXX XXXX. Since being past due due to financial difficulties I requested to have I the mortgage loan refinanced. As part of the over the phone interview processed I was asked to provide my spouse income. I explained to the Green Tree representative that my husband is not on the current loan and that I did n't want to use his income for the application process. Only my income which has always been the case will be used to repay the loan. Being in banking I feel that this violates Regulation B __ECOA ( 12 CFR 202.5 ) regarding rules regarding the request for information about a spouse. The Green Tree representative refused to take my application since I would not disclose my spouse income.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.

Company response to consumer: Closed with explanation