milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with National Credit Services, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Over the course of   XX/XX/XXXX , I ac crued a debt with the college I was enrolled at that year,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Due to some college loans/grants/awards falling through, I was unable to repay the amount immediately. I subsequently re-enlisted in the  XXXX   XXXX  on   XX/XX/XXXX .  While I was on  XXXX   XXXX , the colleg e discharged my outstanding tuition bill ( {$8300.00} ) to a private debt collector, I believe in violation of SCRA.  That private debt collector then assessed {$1800.00} in collection fees while I was on  XXXX   XXXX , also in violation of SCRA.      ( my  web browser wont let me select the box for publication of this complaint, but I consent to the CFPB 's doing so )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info. 
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and 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 non-monetary relief
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage acquired my mortgage loan effective XXXX. Freedom Mortgage breached the contract by improperly applying an additional principal payment into an escrow account. I have sent them an email about this but they did not respond. I telephoned them to instruct that the funds in the escrow account were a principal prepayment. They have not reversed it. I have been prepaying my mortgage since I obtained it. I have an XXXX FICO. this is a fraud on me as a borrower and is clear breach of contract terms. I have been damaged by the additional interest that will be charged. Also, I prepay every month and I will continue to be damaged if they continue to wrongfully place the principal prepayment into an escrow 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 explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction problem

Complaint: To The CFPB, Paypal illegally took back and placed on " hold '' a payment made by XXXX " XXXX ''. This is the second time she 's filed false claims about me to PayPal. I have provide full irrefutable proof that " XXXX '' is lying and PayPal continues to keep my money on " hold ''. This letter I 'm providing to the CFPB explains this situation in detail. Paypal should be held responsbile for this action and liable for any charges I incur for their stealing this money from me and placing it on " hold ''. 

Paypal You ca n't " hold '' my account based on XXXX 's false claims. You records will show that this is the 2nd time she ordered services and then demanded a refund after receiving the services. The last time she did this I refunded to her. She sent the money back to me and then contacted Paypal telling them that I did n't send the money. Your records will show that I did send her that money. I sent that money the last time because I was recovering from an auto accident and could n't help her. 

Now let 's talk about this present complaint which is the 2nd time XXXX has fabricated false claims against me. In this case she willfully chose a 3 services discounted offer where she has received 90 % of that offer. There 's no way she can hold the amount she paid as she 's already received the services. All that was left was the phone consultation which I offered this Wednesday.XXXX was angry that the XXXX XXXX advised her to be patient and work on herself before considering dating. XXXX also got mad at this and attempted to cancel this offer which ca n't be done. I told XXXX that I am available for the final {$10.00} ( not {$15.00} as she paid {$10.00} ( discount ) for the Phone consultation ). She did not pay {$15.00} and can not demand {$15.00} as she 's demanding. 

This is an XXXX XXXX service. Everyone knows that. It 's XXXX who gave the questions. I just read what the cards say. Everyone knows this. XXXX did not like the answers the XXXX gave. Her XXXX XXXX took me about 4 hours to do. With in 20 minutes of receiving her XXXX XXXX ( which takes at least XXXX to listen to and more hours to obey what the chart tells a person to do in their life ) XXXX was complaining. 

The work has already been done. She ca n't order the work, receive the work and then damage my income or my name with totally false claims. The only fee left is {$10.00} ( phone consultation ) not. XXXX  didnot pay {$15.00} for this phone consultation. She paid the discounted fee of " {$10.00} ''. I told her this is available whenever she 's ready. I did nothing wrong and am entitled to the full {$40.00} minus the PayPal fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had noticed that XXXX XXXX added a {$380.00} charge from capital one on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital one on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital one account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital one! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Complaint filed with Consumer Financial Protect Agency on their website on XXXX https : //help.consumerfinance.gov/app/creditreporting/ask On XXXX I sent a certified letter to Equifax disputing XXXX Acc # XXXX and Bankruptcy # XXXX. On XXXX I sent another letter stating that I previously sent y a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. Then on XXXX I sent a 3rd letter stating : " '' Why do you continue to send back a response that says, " Previously investigated ''? You continue to list items that are not mine and you expect me to prove these are inaccurate. You are reporting my sensitive financial information incorrectly and I demand that they be corrected immediately. You are required by law to provide me verifiable proof '' ( Section 611 ) of the accounts you list. I realize your incomes are derived from the sale of informational lists and keeping derogatory information on the report to look good to the creditors. I demand that these accounts be deleted or verified with my original documentation provided to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still have not received any viable proof from Equifax regarding these accounts and after checking my credit report today, I saw that after 6 months they still have NOT removed this item. 

They did ; however, remove XXXX open revolving credit card accounts that are in good standing with XXXX that I never asked them to investigate, dropping my credit score by XXXX points. I demand these items be reinstated on my credit report The third issue with Equifax is that they removed an item previously disputed " Bankruptcy # XXXX '' '' in XXXX after my second letter, and then re-inserted into my credit file on XXXX. They are required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. This item must be deleted immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with Comerica (AZ).
Issue: Account opening, closing, or management

Complaint: A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Auto debt) with DRIVEiT Holdings, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly harassed and called multiple times per day to obtain payment. 
They would call me and the other borrower on the loan multiple times a day. 
Then marked the loan payment late.

Company response to consumer: Untimely response
Consumer complaint received 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had opened a XXXX credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what XXXX has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to 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 explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I own a home that I am having a difficult time paying the mortgage on, I have tried several times to file for hardship towards the home and have filled out all the documents to the best of my ability. I have submitted and resubmitted all the required documents prior to the deadlines and each time I am told I have missing documents. I 've mailed in the documents, scanned and emailed the documents and they still do not reach the right person or department and then I am denied assistances. I am NEVER able to speak to the person requesting the documents directly I am always told they are NOT available. When I file complaints then I get nasty letters stating I am a liar and that my complaint is baseless. I can not get this my mortgage company to help me in any way. I am about to loose my house, the renters that where in my home skipped out on 2.5 months of rent putting me in a bind. I am currently only working XXXX part- time jobs and can not make up the missing monthly payments so I applied for hardship. I do not have a phone as I am unable to pay for a cellphone or monthly service. I am living paycheck to paycheck and am so tired of the run -around. I need help, this company does not want to help or allow me to seek help and I am out of options to do anything anymore. My credit is in the toilet I have no savings, no hidden money or agenda I need help and all I am getting are doors slamming shut and I am sorry you do n't qualify. My mortgage company refused to help nor can they find any of the documents I have emailed and mailed to them. They claim I never did and I can show that I did. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Payday loan () with LDF Holdings, LLC (MN).
Issue: Received a loan I didn't apply for

Complaint: I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.

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 02/22/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I maxed out a credit card many years ago. Then I could not make payment. Someone else used to take care of my finances. That person filed a court hearing and these people never showed up. The person that was over my finances no longer is and now since 2013 this debt collector has been sending letters, callng after 9pm on Sundays, they have talked down and rude at times making me feel threatened to take my money which is only my Social Security retirement. I have seen their name each and every month on my credit reports that is how they get a new address and my phone number. I do not answer any calls any longer that I either don't know or if it has their name attached. I can not take the harassment any longer. I was diagnosed in May last year with XXXX. Most days I am lucky to be able to get out of bed. I hide constantly in my home because of these people. I have written to them, called them and now I just want them to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle loan) with COMPUTER SCIENCES CORPORATION (WI).
Issue: Managing the loan or lease

Complaint: XXXX XXXX initiated harassing collection style calls to my wife 's cell phone alleging late payments and threatening harm to our credit and lawsuits if we did not make immediate payment. My wife had purchased a new car and traded in the XX/XX/XXXX for a XX/XX/XXXX. The payoff was evidently XXXX short due to a mistake that the purchasing dealership had made. A XXXX payment had been deposited by XXXX XXXX days earlier. A letter arrived to our house the same day that the harassing calls started. The callers were angry and accusation each time. The terribly rude behavior continued several times per day, even though the paperwork they sent stated that a payment was not due for another XXXX weeks..

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 02-05-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Privacy

Complaint: I suspect that Citibank from which I have a credit card, shares my credit card transaction data with 3rd party vendors. After shopping with my Citi MasterCard, I see on my XXXX feed advertisements on products and services that are similar to what I just purchased using my credit card. For example, when I bought an indoor TV antenna from XXXX, I saw an ad on XXXX within an hour for a similar TV antenna. Another example is when I bought dishwashing detergent, an ad for dishwashing detergent of another brand popped up on my XXXX feed. In all these and other cases, I used my Citi credit card for the purchases I made. This is very disconcerting because Citi is likely sharing with XXXX or more companies data on my transactions down to the individual item level of my purchases. This is a gross violation of my privacy and I would like to file a complaint against Citibank credit cards.

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