milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with The Bureaus, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Both XXXX and XXXX have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. They have also placed this on my credit reports. If you look at my past complaints you will see that this is the same account that XXXX XXXX has, which was removed from my reports. The debt was closed and sold and resold several times. The account was closed and sold between XXXX. It is now XXXX. It is well past the statue of limitations. So how are they being allowed to continue to sell this old debt and continue to place it on my reports as a new account. The credit bureaus never ever fully validate any debt with a paper trail. All they do is send a letter saying it was verified. Their is never anything showing how it was verified. I can not get a copy of any documentation

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 04/20/2018 about Debt collection (Credit card debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: One Main Financial is reporting with XXXX that I was 30 days past due. The same month they reported to XXXX that I was paying as agreed. I was not paying this account and did not pay this account late in the month that they said. I have statements showing that there was no past due amount. Also, they kept saying that I had other fees that never showed up on my statement. I keep paying on the account but did not know what I was paying for. They finally waived the NSF fees that stated that I owed, but at the same time, they reported that I was 30 days past due. This is wrong and a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Money was not available when promised

Complaint: PayPal, XXXX, XXXX XX/XX/XXXX : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/XXXX : PayPal received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via PayPal ( as instructed ), and voided the shipping label. 

XX/XX/XXXX : I woke up to realize my XXXX XXXX checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! XXXX XXXX debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but PayPal still shows everything as Pending! 

XX/XX/XXXX : XXXX XXXX charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!? 

XXXX XXXX has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 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: cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

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 12/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: WF online offers nicknames and I tried it but it makes conflict with XXXX. So I tried to delete it and I ca n't, so my XXXX ca n't work correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: The company made a misleading offer about opening a credit card account as registered in complaint ID # XXXX provided the following dispute/resolution : Citi ( R ) / XXXX ( R ) Account ending in XXXX XXXX XXXX : Thank you for speaking with me about your inquiry that was submitted to the Consumer Financial Protection Bureau regarding the promotional offer related to the above-referenced account. 

I regret any misunderstanding that occurred related to the promotional offer associated with your account. The offer is to earn XXXX bonus XXXX ( XXXX ) miles after spending {$3000.00} in purchases within the first three months. You may then redeem the miles for XXXX round-trip tickets with XXXX XXXX. 

I appreciate the opportunity to respond to your concerns. 

Sincerely, XXXX XXXX Response XXXX REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE*Our telecommunication number for our hearing impaired customers is XXXX. 

XXXX, XXXX and XXXX XXXX are marks of XXXX XXXX, XXXX. 

XXXX XXXX reserves the right to change the XXXX ( R ) program and its terms and conditions at any time without notice, and to end the XXXX ( R ) program with six months notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, XXXX miles earned through this promotion/offer do not count towards elite-status qualification of XXXX status. XXXX XXXX is not responsible for products or services offered by other participating companies. For complete details about the XXXX ( R ) program, visit XXXX. 

-- -- -- -Despite this explanation I did spend over {$3000.00} in purchases on the card and still have not received the XXXX bonus miles. It is especially clear now that this company has committed consumer fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (I do not know) with Northstar Location Services, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Arbitration

Complaint: Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my 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 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is unwilling to let me dispute clear and mistakable errors reporting on my credit report. I have personal information that is not mine and a error on an account that is not reporting correctly that I want corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened a TJX Rewards Credit Card account in  XXXX  on Synchrony Bank with a credit limit of {$300.00} and I paid on time never missed a payment. I paid off my off my balance on XX/XX/XXXX  and I have not used the card since. I received a letter from Synchrony Bank saying they have closed my account due to 1 ) number of accounts with delinquency, 2 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. 3 ) Proportion of loan balances to loan amounts is too high. 4 ) Length of time revolving accounts have been established.
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I never heard of this because there was no problem until I paid my account off and stopped using the card. I can do without this card but the principal I did not ask them to cancel the card. I do n't have a number of accounts with delinquencies and what gives them the right to cancel which dings my credit.

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 02-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Foreclosure.New investor refused to work out any alternatives after purchasing my mortgage while it is in foreclosure litigation.Wells Fargo never provided me with alternatives to help me keep my home.I agreed to a modification, paid 5 double payments, then was denied a modification.Wells Fargo was forced to buy back my loan from XXXX XXXX, then sold it to a investor who buys nonperforming loans.Wells Fargo was paid in full for my loan and now trying to auction my home off. Will cause my XXXX, XXXX family members and myself to become homeless while our home sits in destruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Auto) with ALCHRO INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX 2014, I initiated disputes XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. XXXX Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company response to consumer: Untimely response
Consumer complaint received 06-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (IL).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a {$400.00} loan with this company. The first payment was {$80.00} and every week since {$60.00}. They have more than recouped their {$400.00} already. They have me paying this {$60.00} every well up into  XX/XX/XXXX . Today is  XX/XX/XXXX . I will have paid over {$3000.00 } (  775 % ) for a {$400.00} loan. This is absolute robbery and I need help getting out of this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted XXXX disputes to Trans Union credit bureau regarding incorrect payment history for an account on my report - XXXX. The payment history reflects multiple late payments when in fact the account was paid in a timely manner. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Auto) with Synergetic Communication Inc (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving multiple robot calls every day 7 days a week the company nameSynergetic Communications receiving robot calls harassment 7 days a week all day long synergetic Communications

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I called the law office of Arnold Scott Harris located In XXXX II on XX/XX/XXXX to inquire about phone calls I had received. The girl told me I had a " ticket '' for resisting arrest and another ticket from XX/XX/XXXX for speeding. She asked how would I like to pay the fine and I told her I was unable to at this time. She then went on to say there 's a hold on my licence ( which is not true because I just renewed it XX/XX/XXXX ) She then went on to say that I would be taken to court and " XXXX county will put a judgement against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Trouble during payment process

Complaint: On XXXX at XXXX ; XXXX XXXX PST case number XXXX XXXX XXXX XXXX, XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX Mortgage Pass Through Certificates. U > S > Bankruptcy Court District of Oregon sited ( No Proof of Claim Filed. 

On XXXX XXXX XXXX the property listed at XXXX XXXX. XXXX XXXX, XXXX, Or XXXX was sold by XXXX County Sheriff 's.

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 08-03-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX we filled out a RMA with BOA for a Harp XXXX XXXX modification. In XXXX XXXX we were granted a temporary modification from BOA. We were informed that the modification could change after we made the XXXX trial payments to a XXXX XXXX XXXX. In XXXX XXXX, we made our 3rd payment to complete the 3 trial payments. We spoke to our account representative and she said she was putting in the request for the permanent modification. She stated that we should receive the paperwork in the mail in approximately 15 days. We did not receive any paperwork in XXXX XXXX. I called BOA to inquire about making another payment and about the permanent modification. They processed the payment and then told me that there was no paperwork completed yet for the permanent modification. The representative then told me that there was no guarantee we would receive a permanent modification but that we should continue to make monthly payments.

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 03-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Settlement process and costs

Complaint: Quality Loan Servicing raised more questions in response Quality Loan Servicing has confirmed employment for notary XXXX and signer of XX/XX/XXXX Trustee Deed Upon Sale ( TDUS ) XXXX bankruptcy attorney - stated Quality Loan Servicing actions including unlawful detainer only reflect TDUS from XX/XX/XXXX foreclosure XXXX bankruptcy attorney stated their files do not reflect recession from XXXX XX/XX/XXXX due to modification in process. 
XXXX bankruptcy attorney stated recession information was not disclosed at no time XXXX bankruptcy attorney agreed The Relief Of Stay was granted in XXXX XXXX a foreclosure does not happen within two months. 
XXXX bankruptcy attorney stated for some unknown reason Quality Loan Servicing insisted to close file in XX/XX/XXXX and have one of their affiliates, divisions handle the unlawful detainer - which raises more questions. 
Quality Loan Servicing Employee in house notary XXXX XXXX Negligence, Errors and or Omissions. 
The TDUS ca n't be verified without following procedure TDUS appears to be voidable or void TDUS is not recorded in notary journal Recession has been verified Recession is documented in notary journal Both Recession and TDUS are both from XX/XX/XXXX notarial journal-TDUS not recorded in XX/XX/XXXX notarial journal. 


Quality Loan Servicing has no authority to validate any documents - must be in XX/XX/XXXX journal by sworn in notary XXXX XXXX to protect public interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have unauthorized transactions on my {$200.00} Master Card pre-paid gift card. 
I have reported the problem to the card issuer but as of today, XX/XX/2016, have not received a positive response.

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a  XXXX   Mileage Plus  credit card through Chase for 22 years. I am a model customer and I always pay my bills on time. I owe nothing other than the monthly charge each month.     The annual fee  XXXX  {$60.00} per year for 22 years,.     I was just notified by  Chase th at my annual fee will be increased to {$95.00} per year. That is an increase of more than 30 %. This is outrageous and should not be allowed.     The flimsy excuse they gave for doing this is to " standardize terms for cardmembers who have the same account. '' This is nonsense.     Please do not allow them to gouge good customers like me.     I am eager to hear what you have to say.     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation