milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: APR or interest rate

Complaint: We have a dentistry loan ; my husband needs massive dental work, and despite having XXXX dental policies, we 're still regularly paying thousands out of pocket for his care. We were granted a loan at our dentist 's office through XXXX ( a 3rd party credit card that our dentist contracts with ). On its face, this loan is attractive - there 's a one year no interest grace period. However, after that year, the interest rate becomes 23 % and the interest is compounded. We had always planned to pay the balance off before the 23 % and compound. 

A few months before the grace period expiration, my husband needed another {$1000.00} in care. We were offered another loan, and we asked, " will this resent the grace period on the loan? '' We were told that it would at the dentist 's office. It did n't. We noticed an additional fee of almost {$1600.00} earlier this week, so we spoke first with our dentist about it, thinking that it was an office error. 

The dentist 's receptionist who gave my husband the information that the new charge would reset the grace period, ( XXXX ), was unhelpful and went and got the office Manager, XXXX. XXXX explained to us that the grace period would only be for the new balance and that even though we have XXXX card, it 's counted as XXXX transaction. We told them what we had been told, and they shrugged it off with a half-hearted apology. It would have been nice to know all this three weeks ago. 

I have already discussed the situation with the dentist 's office and reminded them of the laws governing contracts and contract fraud - as well as the fact that intent to defraud is n't required. We also contacted XXXX - the best that they could do was remove XXXX of the XXXX interest, DESPITE the fact that we paid the balance in full today ( {$5600.00} ). 

My issue is that 1. there 's a communication error somewhere between The XXXX XXXX and the people signing customers up for their product. 2. That miscommunication is costing people copious money - XXXX on XXXX principle is ridiculous. 3. Once the error becomes obvious, there 's no recourse to the consumer. 4. Individuals at the XXXX XXXX are n't all rude but XXXX that we dealt with were very rude in discussing this. 

We have always paid our bills, and I feel that this is a scam to lull sick people who need large amounts of dental care into these ridiculous interest rates and unacceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I was expecting a refund from " XXXX XXXX XXXX '' on XXXX/17.  Paypal sent the refund to a closed back account, one that has been closed since XXXX. I have called several times to PayPal to inform them that I have n't received the refund, as well as a conference call with a bank teptesentative telling them no refund was ever received and that I would not receive a refund on a closed account. The rep said she was opening an " internal '' investigation to find out where the money is at and that case was closed immediately due to " a refund being issued ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX. '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. On XX/XX/XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use Equifax 's online portal and phone numbers to request my credit report. On the best occasions, the online portal eventually tells me that it is " unable to deliver [ my ] credit file '' and that I should call XXXX to request my credit file. When I call, I am either disconnected at some point, or told that I already received my credit report. 

I am the victim of identity theft and need this report to ascertain the full extent of the damage, but can not obtain it from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer

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 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: PNC - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Short Sale was started XX/XX/17 with PNC. PNC has been purposely delaying making a decision on this file and are therefore defrauding their investors and their clients. PNC has continuously asked for financial documentation from someone who is not on the loan. I have sent documentation to PNC that clearly shows the income from the borrower and this matches their paystubs exactly. PNC is rejecting these documents likely even deleting them. This has got to stop. It is illegal for PNC to request documentation from someone that is not on the loan. I have attached the documents to this complaint that we have submitted to PNC. The income clearly matches.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (KY).
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 have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they don't report to the credit bureau, so I'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ). Thank you in advance for you help in this matter. 

I got the below response back from XXXX in regards to my re investigation into the removal of my bankruptcy : XXXX Report Number XX/XX/XXXX Date Generated Record Details Record Type Chapter XXXX bankruptcy discharged Filing Date XX/XX/XXXX Date Resolved XX/XX/XXXX Claim Amount {$0.00} Liability Amount {$0.00} Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX XXXX   XXXX Address XXXX XXXX XXXX XXXX, KY XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On the reply of my previous complaint XXXX, American Express said they issued XXXX starpoints to my account on XXXX XXXX, XXXX. However, I didnt receive it. American Express simply treated the officers of CFPB as XXXX, and thought that they can just XXXX that they already gave me what I should get, but actually they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with SCOTTRADE BANK (CT).
Issue: Deposits and withdrawals

Complaint: Scottrade Bank was hacked, yet Scottrade Bank staff refuse to acknowledge that the XXXX of customer credentials exposed effected both Scottrade XXXX and Scottrade Bank accounts. 

I have written to Scottrade Bank, Scottrade XXXX, and Scottrade XXXX XXXX on a number of occasions and they al refuse to respond to my complaint. In turn, after a number of phone calls to management, I received a phone call from the branch manager who said my account had been permanently frozen and will be closed shortly. Allowing my no opportunity to withdrawal the funds and giving me no ability to plan financially. The branch manager at Scottrade was very rude and acted as though he did not care that I have paid XXXX in fees for the past few years. My last quest was a request that I talk to the legal department, Scottrade profusely declined and has since then blocked my calls. 

I am writing to the CFPB in hopes that Scottrade will provide an appropriate and customer friendly response.

Company response to consumer: Closed
Consumer complaint received 08-04-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE BEEN ATTEMPTING TO SELL MY PROPERTY AND MY AGENT HAS BEEN SPEAKING WITH THEM AND THEY INITIALLY HAD STATED THAT THEY WOULD POSTPONE THE SALE DATE BECAUSE WE HAD A SOLID OFFER. TODAY WHEN MY AGENT SPOKE WITH THEM, A XXXX ADVISED HIM THAT THEY ARE NOT GOING TO POSTPONE THE SALE AFTER ALL. HOW CAN THIS HAPPEN? I WANT TO AVOID FORECLOSURE AT ALL COSTS. THEY WERE WORKING WITH ME IN THE BEGINNING AND NOW THEY ARE NOT WILLING TO. I AM HOPING THAT YOU CAN HELP ME STOP IT. THE SALE DATE IS SCHEDULED FOR MONDAY XXXX XXXX. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.

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 08/14/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried loading my Equifax report via www.annualcreditreport.com, and the link to access my annual credit report did not work. I tried refreshing it and it would not let me access it, saying I had already received my free annual credit report from Equifax. I tried to follow up with XXXX and had the same thing happen. Please process this complaint ASAP, as I need these reports for an ongoing bankruptcy case already in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NY).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have had a credit card   with Wella Fargo for more then 8years they closed my account without informing me and without explaination of the reason they closed my account.
There was fraudulent activities on my joint account in the amount of {$10000.00} dollars the checks was cashed in a branch office. The reason they cut off my credit card was due to them closing the joint account which they stated they was still investigating.
They have runied my life by closing accounts I took time to build and when I reported fraud they refuse to properly investigate cash coming   from out of a branch. I need help taking them down.

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Debt Recovery Solutions, LLC (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Clear spring loan services called me several times a day trying to collect on an amount they ca n't prove I owe. I submitted a previous complaint XXXXand they responded by saying they need 60 more days. Why do you need 60 more days, you were trying to get me to pay some bogus amount immediately and now you want 60 days to get your act together. Either you can prove i owe the amount or you ca n't. Why do you need 60 days? Are you trying to find proof? If that 's the case you were illegally collecting from me this whole time and assumed i was some XXXX who would not ask for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (WV).
Issue: Account opening, closing, or management

Complaint: PayPal refuses to close my account stating they require documentation from my credit card about a charge-back. ( Case # XXXX ) The charge-back was requested due to the following fraudulent transaction on eBay on which the item was not received. 
eBay has closed the seller 's account after an investigation of over XXXX fraudulent transactions from this seller and PayPal has refunded the transaction 's amount of {$36.00} to my credit card following their investigation. 


Seller 's Name : XXXX XXXX Seller 's Email : XXXXXXXXXXXX Seller 's Transaction ID : XXXX Transaction Date : XXXX XXXX, 2016 Transaction Amount : - {$36.00} USD Your Transaction ID : XXXX Case Number : XXXX Buyer 's Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (VA mortgage) with LoanCare, LLC (NM).
Issue: Trouble during payment process

Complaint: Loancare purchased my loan XX/XX/XXXX. Since they began servicing my loan they increased my escrow account by {$1700.00}, claim I am late on my XX/XX/XXXX payment and refuse to credit me for what is their mistake. Their telephone wait time was one hour and after waiting they said they could not help me. At this point Loancare can not tell me the status of my escrow dispute, the location of my payment and now are demanding well over {$2500.00} dollars to " catch up ''. I have never been late on my mortgage and have a perfect payment history for the last 3 1/2 years.

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 08/13/2017 about Debt collection (Mortgage debt) with Fidelity National Financial, Inc ().
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with CALVARY PORTFOLIO (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.

Company response to consumer: Untimely response
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, Equifax announced a cybercrime identity theft event potentially impacting approximately 143 million U.S. consumers, I was one of those affected. Equifax exposed my SSN, address, name, DOB, and potentially other information to hackers.

Company response to consumer: Closed with explanation