milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company calls XXXX times a day, every day, calls my work phone and cell phone after being told a long time ago not to, and has called multiple times after XXXX. XXXX times they will call and nobody will be there when I answer, and they never identify themselves through voicemail.

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 03/15/2018 about Checking or savings account (Savings account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! 

i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! 
Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much XXXX 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 05-09-2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in  XXXX  the house was approached for  XXXX  but a house seemlier to my house in the  XXXX   XXXX  sold for  XXXX  i tried call to explain to  navy  that the  XXXX  used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Shopping for a loan or lease

Complaint: The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXX Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (NJ).
Issue: Trouble during payment process

Complaint: A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: My vehicle has been repossessed through SanAnder. Overdue balance has been paid, but I 've been trying to reach tow vendor for two days with no luck. I get charged 25 % interest rate and I might have to pay tow vendor {$150.00} a day for storage fees. How is this ok? 
When I contacted Santander consumer USA, they said they could n't help, and that I should keep trying to contact the vendor, while the vendor has n't returned my voice messages for two days. The vendors name is XXXX XXXX XXXX, phone no. XXXX. 

I just want to get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX XXXX XXXX had a hard inquiry on my Experian Credit Report on XXXX/XXXX/2015. I have no knowledge of what this is.

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 Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!

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 CITIBANK, N.A. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan with CitiFinancial. The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to   XXXX   2009.
<P/><P/>
The partial account number is  XXXX . The address identification number is  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Debt collection (I do not know) with Midwest Recovery Systems (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX  and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Auto) with BB&T CORPORATION (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Sent tow truck onto private property to reposess car. 
Tow truck driver acted on behalf of Susquehanna by advising me of an incorrect amount I needed to pay to get my car back. 
Tow truck driver acted on behalf of Susquehanna by telling me he could not leave property without taking car. 
Susquehanna violated their own policy by repossessing car after only XXXX payments missed. 
Susquehanna collection department employee, XXXX XXXX, tried to discourage me from pursuing further action ( eg complaint, bankruptcy ) while offering no assistance in helping me rectify situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Diversified Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: my wife and I both have American Express Cards. We pay on time always the bills we receive from them. Yet sometimes we receive late fees charged to us. I believe that AMEX is not crediting according to the postal date or even near it. I believe that these late fees are fraudulent and a way to increase revenue and income. The CFPB should investigate this matter and require that AMEX refund fraudulent late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with Alorica Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received collection letter to the estate of deceased parent. 

I contacted the originating bank survivor relations department : ( 1 ) the bank did not report anything for collection, ( 2 ) all accounts of the decedent have been paid in full and are closed, ( 3 ) the account number reported does not exist, and ( 4 ) this is a phishing attempt. 

I called the collection company, they insisted they have been retained to handle the account and have a file from the bank. I told them I have contacted the bank and relayed everything listed above. They said they would make notes to my file and I would not be contacted again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Had a truck loan from HSBC. Kept track of the balance every month trying to pay it off. Loan gets sold to XXXX XXXX and balance is overnight more than {$2000.00} higher. Called HSBC to get balance they sold to XXXX and they refuse to cooperate. I paid the loan off but I still do n't consider this settled. Also never got a lien release from XXXX so I cant register truck in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 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: I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 06-10-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have just received a copy of my credit report and it continues to show information that is incorrect. I have never used the name XXXX XXXX, I was born XXXX XXXX and then my mother added her maiden name to my last name, changing it to XXXX XXXX. I need that name removed from my record as it is wrong. The only XXXX names I have used are : XXXX XXXX XXXX, there is an account on my record that does not belong to me. There are XXXX XXXX cards on my account. The XXXX, account number : XXXX, that was opened in XXXX, 2007, does not belong to me. I believe this account may belong to my mother, but it is not mine and therefore, it needs to be removed from my record. 
My financial record is regularly confused with my mother 's, XXXX XXXX, and my sister 's, XXXX XXXX, therefore I would like a note placed on my record that states that caution must be taken when adding information to my record due to family with similar names and addresses. 
I also need the credit reporting company to remove the old phone numbers from my record, as some belonged to me in the past, but not all of them, some belonged to my sister and mother. My number is ( XXXX ) XXXX and all those other numbers, either do not belong to me, or are outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage obtained in XXXX was with American Home Mortgage which filed bankruptcy in XXXX. In XXXX there was an assignment recorded to American Home Mortgage XXXX XXXX XXXX. According to the PSA this had to be transferred with XXXX days of the trust closing ... .It was not. Ocwen is now the servicer. I sent them a Qualified Written Request to find out who owns the loan & have been told that owner is XXXX, as Indenture Trustee for the trust. I contacted XXXX & they did n't have any information on my loan. I also contacted American Home Mortgage XXXX XXXX, trustee & they did n't have anything. Ocwen is now foreclosing & they have not provided me with the information requested. I told them to contact XXXX but they have not. I believe this is a wrongful foreclosure. I qualified XXXX with HOPE Now for a modification only to be turned down by Ocwen. I presented a short sale only to be turned down by Ocwen. This leads me to believe that they know XXXX does not have the loan & they can foreclose & make money. How can a company that is no longer in existence transfer anything? Particularly after the PSA states that it had to be within 90 days of the closing of the trust? I am supposed to have a single point of contact person at Ocwen & was provided a name but he usually is not available. I make appointments for him to call me back & either he does n't call or someone else calls. I have requested to talk with someone in the U.S. but my calls go to XXXX & they wo n't transfer me to the U.S ... .said they could n't. I call different phone numbers hoping to speak with someone in U.S. but it always goes to XXXX. I have a fraudulent assignment & other forged documents. I have given these to Ocwen but they refuse to research to find out just where my loan is. I would like to go to Ocwen & have them show me all of the documents they have if possible. I will file a lawsuit against them. They are terrible to deal with.

Company response to consumer: Closed with explanation