milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I was unaware that my line of credit matured and was cancelled. I was paperless in an XXXX. They said they would extend it until we arrived home. XXXX XXXX at Capital One on XXXX, LA talked to us when we returned. XXXX took our reapplication to reopen the line since we had had this with your bank for 10 years and had been with capital One for 30 years at the XXXX, LA branch. In that time frame, we spoke with the manager and explained. She called Capital Loan dept., spoke with another woman who said she 'd handle it that day, XX/XX/XXXX. We have a fax confirmation from XXXX XXXX XXXX, XXXX. The woman in Loan dept. said a week later that she did n't receive it although the manager at Capital One on XXXX. had the fax confirmed. So the money we paid over 4 months to our Line of credit was never applied to our line of credit. It was held in a Capital One Management fund. We paid {$2400.00}. on XXXX? XXXX. On XX/XX/XXXX, we paid {$1300.00}. On XX/XX/XXXX we paid {$1400.00}. On XX/XX/XXXX we paid {$300.00} and on XX/XX/XXXX we paid {$2500.00}. On XX/XX/XXXX we paid {$1200.00}. and XX/XX/XXXX we paid {$500.00}. On XX/XX/XXXX we paid {$2000.00} and XX/XX/XXXX we paid {$1500.00}. None of these were applied. After this occurred, we were told to pay the entire amount off. On XX/XX/XXXX we paid the entire balance. XXXX XXXX helped us do this at Capital One XXXX XXXX. XXXX in XXXX. The new loan number was XXXX. When XXXX XXXX faxed this to XXXX in the Loan Department, and told us it was supposed to be applied to our line of credit. XXXX 's phone # is XXXX. It never was applied. So all of this time Capital One held our {$4700.00}. and never applied it to our line of credit. Then we were placed into a collection agency despite us paying on this. It ruined our credit. We were trying to refinance our home from a 5.5 % loan to a 3.3 % which we were attempting to do with XXXX at Capital One. Because of the credit agency, we were refused. This cost us {$35000.00} over the 30 year loan period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the XXXX law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.

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 09/25/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (MI).
Issue: Deposits and withdrawals

Complaint: Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted Capital One and they no longer have record of the debt. They even sent a letter asking me to give them information on my account. 

Spoke with XXXX at ( XXXX ) XXXXand she says that the company no longer has my accounts and can't give me any more information or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Phone Number XXXX is Midland Credit. they have called me XXXX a day for months and even on XXXX and XXXX, looking for someone who is not me. I have asked them numerous times to stop that i was not the person they are looking for and they still call me even after agreeing to remove my number. please make them stop! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (CO).
Issue: Problems when you are unable to pay

Complaint: I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing is over-collecting for property taxes and they have misapplied our  XXXX  mortga ge payment. I have attached a letter providing all of the details.

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 02/22/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.

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 02/17/2018 about Debt collection (Credit card debt) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXXXXXX account has been closed for a few months. XXXX has been closed. XXXX XXXX XXXX has been closed. I never opened a XXXX   account. I never had a XXXX XXXX account. Never opened a XXXX XXXX account XXXX XXXX has been closed for years. Opened XX/XX/XXXX and closed not sure of the closed date. 
I have never lived in XXXX XXXX, In. and never opened a XXXX XXXX XXXX account. That stated in XX/XX/XXXX? XXXX has been a closed account for years. Opened in XX/XX/XXXX and closed XX/XX/XXXX. I have never been to a XXXX XXXX. Said I opened an account XX/XX/XXXX. And closed XX/XX/XXXX. Never had it never used. XXXX  never opened a XXXX account. Opened XX/XX/XXXX and closed in XX/XX/XXXX. Never owned a XXXX card ever. XXXX XXXX {$840.00} even opened in XX/XX/XXXX closed in XX/XX/XXXX never had that account. XXXX opened XX/XX/XXXX last payment of XX/XX/XXXX? Never opened a XXXX credit in those years. Closed stated XX/XX/XXXX. Never had a XXXX card in those years. I have one NOW YES, but not in THOSE years. I never lived in zip code XXXX nor did I ever live in zipcode XXXX. This is all very concerning for myself and my credit. We need to have these looked at and someone contact me as soon as possible. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging 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 07/24/2016 about Debt collection (Medical) with Central States Recovery, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills who was transferred to a collection agency without my knowledge and since then I get harassment calls for a collections agency night and day even on my cellphone and I am on the Do Not Call list. I get some treated of judgement and repossession of all my personal belongings. I am XXXX every time the phone rings and tried not to answer number I do n't recognize but they trick me every time with different number so I soon I heard the name of the company I just hang up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX  , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since   XXXX   XXXX   XXXX     this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6.  It has appeared as being placed into collections from  XXXX . It was also placed into collections by   XXXX   XXXX   XXXX  . Each time, it was removed. Now, it is showing back on my report  AGAIN and  it is on my Equifax and  XXXX . I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am I right?  Becuase I have not received not one shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? Ho w does Experian and Equifax justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now the   XXXX   time the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (ME).
Issue: Fraud or scam

Complaint: Three weeks ago I applied for a loan online. In a few minutes I received a phone call from XXXX XXXX. They told me for {$14.00} they will pull my credit reports, review my request and get back to me. I waited three days never received an e-mail or phone call so I contacted them. They said they could n't get me a loan. I asked why, and they did n't tell me just hung up.. Very non profressional. Very rude and crude. So I thought the matter was over. Now three weeks later they are charging me {$110.00} for not doing a darn thing for me. I never wanted to join and I did not enroll in any their programs. I called them and got the total run-around. They said a rep would call me back. A week later I have n't heard anything. Please get my {$110.00} refunded. They are quick to take your money but now I ca n't even talk to anyone there. Thank You XXXX XXXX last 4 of my social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: CostCo made a change from XXXX to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed {$55.00} on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score XXXX ) will take a hit.

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 10/17/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: A little less than a month ago, I signed up for a Best Buy Citibank Visa credit Card, and I was approved. This morning i tried to get a cash advance, so I called in. Citibank said it was perfectly fine, but i was declined twice ( which was their fault, i was given false information ). I then call back and they " activate '' cash advances which apprently were deactivated prior to this call. I was then able to get my advance. However, due to the repeated declines, citibank has deactivated my card. Here is where he problem comes in. I called in to reactivate it, and they refuse. They ask for my phone number, and i give it. They then tell me " that phone is not under your name, it can not be verified. '' That is completely false, this cell phone number is under my name and has been like that for 3 years. I live alone and only have a cell phone, so there is no other way for me to verify my account to their XXXX satisfaction. I need help because I live in florida and just went through hurricane XXXX and i am in dire need of this card, as i am low on cash because of the storm. This is completely their fault, as my card has been deactivated due to their careless employees feeding me false information. Furthermore, it is their fault that my number can not be verified as well because my phone is and always has been under my name, and I have no other phone to contact them with.

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 10/29/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (KY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My medical bills are paid by XXXX, Ohio XXXX, or XXXX/XXXX XXXX XXXX XXXX. 

The Revenue Group with the XXXX XXXX, Ohio telephone number XXXX calls incessantly trying to collect a debt I do not owe : XXXX XXXX, XXXX XXXX, XXXX, Ohio is who the company claims to represent. 

When " XXXX '' from The Revenue Group called earlier this morning, I explained to her that she was trying to double collect on a previously paid bill. XXXX asked me for my birthdate which I refused to submit. I did tell XXXX I would report to the Federal Trade Commission they were trying to double collect on a bill that was already paid, In the past, Ohio XXXX gave me a letter to give to XXXX XXXX and to this same or a similar debt collector regarding the issue of trying to collect from me. In that instance, the debt collection agency ignored my telling them that XXXX paid my bills, and they ignored the letter from XXXX. 

Presently, the XXXX XXXX, Ohio telephone number uses another telephone number because I do not answer. Both numbers harass by ringing incessantly on my telephone line. 

Today, I again spoke with XXXX to ascertain further information. She would not comply because I refused to give her my birthdate and information concerning my social security number. XXXX said she would send mail out to my home. I do not want mail coming to my home from The Revenue Group. 

Please, I need your assistance in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with CITIBANK, N.A. (UT).
Issue: Unsolicited issuance of credit card

Complaint: I had an XXXX XXXX credit card with Costco. In XX/XX/2016 Costco switched its card program to being offered by Citibank. At that time I had a {$140.00} balance on my XXXX XXXX card. When I went to pay off that amount online, in XX/XX/XXXX, I found that I could no longer access that account. I opened an account with Citi to continue my patronage of Costco. I was unable to figure out where my XXXX XXXX account went. When trying to contact Citibank I could n't get past their automated phones without providing an account number. In XX/XX/XXXX, I finally received a statement from Citibank letting me know that my account is 5 months without a payment and that it has been sent to collections. At that point the statement had the last XXXX digits of the elusive account on it, and I was able to successfully call and address my account. At that point I explained my story to the customer service lady and paid the {$140.00} balance that carried over from my XXXX. She told me that she would take care of all of the late fees and interest that had accrued, and that I did n't need to worry about the card anymore. Later that month I received another statement that said I still had {$70.00} of interest on my card. I called to address the issue, and ended up having to pay the interest in order to take care of the card and make sure there were no further late payment issues. I talked to Citibank about being able to dispute the account so that it would n't affect my credit, but the customer service rep said that Citibank ca n't do that and it is automatic. I also checked to try to find the reason Citibank did n't contact me for so long, and the email address they had on file was n't any of the email addresses that I own. Apparently it was just a collection of symbols that XXXX gave them for my email address, which is interesting because I had opted out of paper statements with XXXX, and email was my primary form of communication with them. Apparently either XXXX or Citibank had a database issue when transferring my info.

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