milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CrossCheck, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have a company called XXXX XXXX XXXX from Floridaphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in Texas for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (OH).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a report.

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 02/20/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. 
I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. 
XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: With reference to CFPB Case number : XXXX, BERLIN-WHEELER continue to report this account that I am disputing to the credit bureaus. The ledger that BERLIN-WHEELER attached on the above case that I am referencing to prove that the balance still unpaid actually showed that the debt was paid and such showing a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Application, originator, mortgage broker

Complaint: Citi mortgage viciouslly pull my credit report without my approval, I did approved once not twice. I want them to stop this, also misspelling my name and incorrect address on important forms. Not responding to my calls. I send emails and they have no idea way this happensXXXXXXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX this is his contact informationPlease I need them to stop this unfair practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Mortgage (FHA mortgage) with Moria Development, Inc. (AZ).
Issue: Trouble during payment process

Complaint: Good afternoon, I purchased a home through XXXX XXXX and my home closed on XXXX/XXXX/XXXX after a VERY long drawn out process. My first payment was due to Moria Development on XXXX XXXX XXXX. I reached out to XXXX XXXX to ask how I make my payment and was advised to mail my payment to Moria development. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to Moria development which they received AND cashed on XXXX/XXXX/XXXX ( confirmed by XXXX XXXX because I got a letter on XXXX/XXXX/XXXX saying XXXX was taking over my loan as of XXXX/XXXX/XXXX so I wanted to confirm they got my payment ). XXXX XXXX XXXX contacted me early XXXX to advise my payment was late. I let XXXX XXXX know I was n't sure what they are referring to because I made my payment to Moria development and got conformation from XXXX XXXX at XXXXXXXX XXXX that Moria development received the payment. I received a letter in the mail from XXXX XXXX around XXXX XXXX or XXXX stating my loan had been transferred to them as of XXXX/XXXX/XXXX. I am in the middle of a battle with XXXX XXXX and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with XXXX XXXX to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XXXX advising I still need help because XXXX XXXX calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by XXXX XXXX, and nobody can seem to get back in touch with me at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (I do not know) with National Credit Services, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Credit reporting () with ONLINE Information Services, Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Late XXXX, I sent out a letter to Equifax to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Medical) with COLLECTION PROFESSIONALS INC (Illinois) (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After disputing the XXXX medical bill, it came back as verified. I contact this collection agency and told them this was not my bill, they ask me for my address and sent me a letter. In that letter, CPI listed an additional account and added a payment plan that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, I took a withdrawal of XXXX from my XXXX XXXX XXXX account using a Citibank ATM outside of the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am also a Citibank customer and attempted to deposit {$900.00} cash into my citi checking account ( {$800.00} from the previous withdrawal and {$100.00} cash ). After attempting to deposit the cash 3 times, the machine gave me credit for {$330.00} and then spit out a error ticket claiming an error occured and to call customer service taking my whole amount of {$900.00}. I immediately went in to the branch and was told there was nothing they can do, and to call Monday. After 7 attempts of reaching someone Monday with no luck, I called Tuesday afternoon and spoke to customer service. I was told they have no information and to contact the branch. I called and spoke to a woman by the name of XXXX, she explained they would " escalate '' my issue.I was called at EOB on Tuesday evening and told the amount would be in my account in the morning and I would be called in the morning. No one called. I called back and was told, I now have to wait 7-10 business days as they are investigating something. They said there is nothing they can do and I need to wait. How is this legal? they have {$600.00} of my money, I have bills, they told me they found the discrepancy and yet I have to wait? I have bills, and a life to live. HOw is this fair that I am being punished due to an ATM Malfunction?

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: -Firm : Equifax -Subject : Equifax Security Breach of  XXXX XXXX and the Poor Response from Equifax -On XXXX/XXXX/XXXX Equifax announced a security breach ( a few days after some of their Executives sold off tons of stock ) -Equifax opens up equifaxsecuri

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I purchased a computer from Best Buy using my Best Buy credit using a promotional option. The promotion offered 18 months to pay with no interest. The total was not paid by that date. Soon after this period I noticed that the amount owed had jumped by {$280.00}. After contacting Best Buy it was explained that that total included all past interest that had been waived. 

When I made the initial purchase I was not told that the past due interest would be added to any outstanding balance. During that conversation I was told that my e-invoice stated this policy. In order to see this information I would have needed to download my statement, which I had n't done. I paid directly within the " make a payment '' options, or over the phone. 

I have since paid the balance I feel is the amount that I owe. I have also asked my attorney to send a letter explaining the circumstances to Best Buy via certified mail. My attorney 's records show that the letter was received. Best Buy has opted to not respond to the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with U.S. BANCORP (FL).
Issue: Advertising and marketing

Complaint: I opened a credit card account approximately 4months ago. The sole purpose of the account was to obtain a promotional XXXX gift card of {$100.00} if I used the card in an allotted time frame. I have used the card and have never received the gift card. This is after three inquiries over the last three months. they admit I should have received the card over 6 weeks ago and keep " researching '' why I never obtained this. US Bank and XXXX have fraudulently solicited the opening of this account under false promotion. There is no intention on their part to send the card. The last " supervisor '' I spoke with was XXXX employed # XXXX and told me " They are going to research the problem '' ... again!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I recently pulled my credit report from all three bureaus and noticed that Equifax is reporting my name incorrectly. I clicked on the link to file a dispute XXXX XXXX XXXX, however the link is broken and shows a blank white page. I had no issue with updating information through XXXX and XXXX online. It should be just as convenient with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Vehicle loan or lease (Loan) with Michael Wayne Investment (VA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In   XXXX   I turned my car over for voluntary repossession  ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was   auctioned and if the so what the balance was remaining if any. In,  XXXX  of   XXXX   the civil suit for the amount of  XXXX  in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over  XXXX  but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Debt collection (Payday loan) with Cooper Hoffman Klein Associates (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: Received a letter from the lender indicating that my interest only loan will change. I called the lender and I was transfer to a loan officer who ran my credit and application with a wrong social security number. Loan officer fail to provide me disclosures within three business days. A week later follow up and find out that there were not loan in process. Loan officer confirmed that the loan was in progress and the rate was lock for a HARP 30years loan fixed at 4.375 %. Two weeks later he had to retake my application and I was not able to login to review disclosures. When the hard copies arrived I noticed that the social security was wrong. Two weeks later he change the terms without my consent.

Company response to consumer: Closed with explanation