milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This agressive collection agency is reporting false dates and information to XXXX relating to a {$170.00} Medical bill and claiming to be the original creditor, I have ask them several times for documentation relating to services rendered, I never recieved any services from original Hospital, they refuse to listen and have been very rude to me and called me a liar, I have recently sent a demand letter to the Hospital, XXXX and this agressive collection agency. Phoenix Financial Services LLC XXXX, IN. XXXX I have also had to send them a Cease and Desist letter for harassing me, they are reporting a five year old account as if it was a new account and late as of XX/XX/2017, they told me if I did not pay that they would cause me problems, I was able to remove it from XXXX and XXXX and still trying to get XXXX to fix the problem, I consider this harassment and would like to file official complaint, they are trying to ruin my credit. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I 've filed multiple requests for incorrect data from XXXX XXXX on my Experian credit report to be corrected or DELETED. This data is for the XXXX XXXX XXXX Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing XXXX XXXX ( see attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months XXXX XXXX has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and  ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (I do not know) with Credit Bureau Services Association (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Unsolicited issuance of credit card

Complaint: On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.

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 09/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
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 03/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery, address of shipment and the date purchase was made for debt how can they expect me to complete their forms to investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech sent me " resolution '' that not right to my case. i did not complain about {$500.00}, and {$770.00}, that they never took from my account. I do ask about {$800.00} I paid on XXXX/XXXX/16, and and {$800.00} I paid on XX/XX/XXXX. 
Please I am waiting for the answer. 
XXXX XXXX XXXX/XXXX/16

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MS).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Transferred {$2000.00} to a coinbase account and my email was hacked now I 'm locked out of my coinbase account

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: AES sent me a demand for recertification of my XXXX status in order to retain my SCRA benefits. I repled to AESthat they could confirm my active duty status at https : XXXX -- and that I was not required to recertify annually. AES retorted that they can not confirm XXXX status, so I called to fix the issue. The AES customer service representative ( XXXX XXXX ) erroneously informed me that I had to recertify, and that the issue was probably that there was no end date on my XXXX status -- I explained to her that as a commissioned officer I do n't have an end date on XXXX status. She finally transferred me to " XXXX '' who " handles the military phone calls, '' and he confirmed my status, and that he would raise my issue for review. 
This is n't the first time AES has demanded recertification of XXXX status, and I 'm frustrated with annual or semi-annual demands for recertification. DoD provides a web site to that end, and AES needs to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Just Talked to Bank manager XXXX she will not reverse these fees and was told to go somewhere else Phone # XXXX XXXX On XX/XX/XXXX mu account became overdrawn by XXXX to date XXXX which is XXXX in bank fees. I would have closed this account prior to this but my Social Security takes 60-90 to transfer to another institution. 
This bank has never paid any NFS checks for me they have the right to make this decision according to their discretion. But to use my Social Security to cover Bank Fees not a check written is going a bit over the top. 
the charges were as followed XX/XX/XXXX XXXX XXXX charge XXXX account was short XXXX XX/XX/XXXX check XXXX returned on XX/XX/XXXX XX/XX/XXXX XXXX NfS Fee XX/XX/XXXX overdraft fee XXXX XX/XX/XXXX to XX/XX/XXXX XXXX charge plus on XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX plus XXXX on XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX total to date XXXX overdrawn .with XXXX service fees. 
Review attached.

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX/XXXX/17 after receiving my recent statement, I realized that there were fraudulent charges on my card, after several calls to talk with the current person and have my card closed I was also notified that a " person '' not me had also tried to call them earlier that same day to get more access to my card. This was denied since they did not pass security checks but I was NOT notified of this and when I asked why was told that there was a " glitch '' in system. No other explanation or apology. After several painstaking hours just to get them to close my account ( It should NOT take that long ), I asked to have management call me to discuss the matter as I was not comfortable EVER using a citi card again. It is now 3 days later and NO call but of course they already sent me a new card since their priority is not customer safety but making more money. I want an explanation as to how easily this could happen and I also did not get assurance that these charges are not going to be taken off my account.

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 07/23/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (VA).
Issue: Problem with customer service

Complaint: My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help me.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.

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 04-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: Bank of America closed one of my credit cards without notice. Their explanation did not make sense, and was an error. They said I should n't have been approved in the first place. Now I am worried I have an inquiry and a short credit card stint showing on my credit 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 02-11-2016 about Mortgage (Conventional fixed mortgage) with Primary Capital Mortgage, LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a first mortgage with Primary Capital Mortgage and a second mortgage with XXXX. Primary Capital agreed to do a short sale on my house after I submitted my hardship paperwork to them. I have a sale and purchase agreement on my house and the amount of money the people are offering will pay off the first mortgage completely. Primary Capital told me that I should just seek out a short sale with my second mortgage company, XXXX, so I 've submitted my hardship package to them and they are in the process of looking that paperwork over. Now, Primary Capital has hired a law firm called XXXX, XXXX and XXXX, XXXX to conduct a non-judicial foreclosure scheduled for XXXX XXXX, 2016. I just received this paperwork last week. I 've put pressure on XXXX to please hurry with the short sale so I do n't have to go through the foreclosure with Primary Capital. XXXX has a timeline that they say they must follow. They do n't want to be pushed. I 've asked Primary Capital to please delay the foreclosure to XXXX XXXX, 2016 so that XXXX has more time to finish what they must do to allow the short sale to take place. Primary Capital says they wo n't delay the foreclosure. Primary Capital has asked me to call XXXX, XXXX and XXXX, XXXX to ask them if they 'll delay the foreclosure. I believe this is wrong since it was Primary Capital to hire the XXXX law firm in the first place. My realtor is XXXX XXXX of XXXX. XXXX XXXX 's short sale law firm is called XXXX XXXX XXXX XXXX. XXXX XXXX, from XXXX XXXX law group is the short sale specialisth who has been working with me. XXXX XXXX XXXX is my representative. I feel like Primary Capital is being unreasonable because they know they 'll get their money since the people who want to buy my house are offering more than the amount they require. I am desperate for help because I do not want to go through foreclosure at all. Primary Capital is n't doing what the government says the lenders should do to provide foreclosure alternatives to us homeowners. All I want is to delay foreclosure another month, to XXXX XXXX, 2016 in order to give XXXX Bank the time they need to process the short sale on my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous Navient & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the XXXX & XXXX for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX University XXXX XXXX where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).

Company response to consumer: Closed with explanation