milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XX/XX/18, I contacted XXXX to settle a past due debt. They informed me that my account was being handled by Diversified Consultants and gave me the number. I immediately called Diversified Consultants. I explained that I wanted to settle the debt of XXXX that is reported in my credit. The representative gave me 2 different amounts, each time putting me on hold as if he was speaking to s supervisor, before we both agreed on an amount of {$500.00} plus change. I asked him to send the settlement to me in email so that I could have it in writing before paying. He told me he didnt have access to email. I then asked him to mail it to me and I would pay it although I wanted to pay that day. He told me they dont do that unless you give them a credit or debit card to put on file first to know that you are serious about paying the debt. I told him that I was not going to give my card number to anyone without confirmed amount so that they could take my money then state that they did not agree to the settlement. He then said thats why they recorded the calls. I again explain that it was not smart for me to do that, I asked fo the letter again, told him I was going to pay that day once the amount was confirmed in writing. He would not budge and began to raise his voice when I asked for a supervisor. Hed told me the supervisor was going to tell me the same thing as he did so I ended the call without a resolution. The next day I received calls and got hung up on twice by a different representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We have a home equity loan with CitiMortgage. A few years ago the bank advised that we were in a flood zone and to submit proof of flood insurance. We complied although our first mortgage serviced by XXXX stated we were not in a flood zone but escrowed for us anyway. Now our first mortgage is serviced by XXXX that refuses to escrow for the flood insurance because they state we are not in a flood zone. We would like citimortgage to look at the flood maps in our area and provide proof of the home being in a flood zone because XXXX other banking organizations agree that we are not in a flood zone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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 am sending this complaint to all three Credit Bureaus ( XXXX, Experian, and XXXX  ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XXXX XXXX XXXX ( XXXX  ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XXXX   complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.

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 01/19/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Our home was sold to the mortgage company Ditech. Right from the start we had problem with them, trying to set up automatic payments or even making a payment at all, but the real problems started when we sold our home. We were told when we closed on our home to expect a escrow refund check within 20 days of closing. Several days past the 20 day mark we still did not have a check. We called in and they told us to wait till next week. We finally got our check and put it in the bank. Our bank later called to let us know that Ditech cancelled the check and they had to charge us a fee. We called Ditech who told us that they would re-issue a check and to expect it by XXXX XXXX. XXXX XXXX came and still no check. We called in again and the person we talked to stated there was never a check re issued. We were told we needed to prove that the check was cancelled and to send them a copy of our bank statement showing the cancelled check. She said that once we sent that in they would be able to direct deposit the money back in and we would hear within 24 hrs on the status of our refund. 3 days went by and we still had not heard anything. We called in again, this time the representative informed us that they do not do direct deposits and that they would have to re issue the check and send it in the mail but that they would need to get back to us and they should know something within 24 hrs. We still did not hear from them. We called in again and Each and every time we call in we have to speak to a new person and try and explain the situation, and each and every time we are told conflicting information which always gets us no where and ends with " we will get back to you in 24 hrs '' to which of course we never hear anything. We have spoken to probably 7 different people all promising to get back to us and have never received a phone call or any information back. This is over {$3000.00} of our money that was supposed to be given to us 2 months ago. This is beyond frustrating and we are not sure what else to do to get our money that we need to put down on our next home. It has now been 3 months since closing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a date of XXXX to move out. I would like to remain in the home and pay rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my debt in full to XXXX. My home loan consultant at XXXX XXXX XXXX XXXX, The XXXX told me to get a letter of deletion from XXXX XXXX and XXXX refuses to mail me one. I would like this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: My payroll check is deposited on this card weekly. I was informed by Rushcard that system updates would take place on Monday at XXXX. It is Friday at XXXX. I have no access to my funds. I can not withdraw or make purchases with my card. My money is being held hostage. 1 day maybe, but XXXX. We have rights. This cant be legal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: I placed an order via Paypay and I never received the order. This order was back in XXXX XXXX 2017. I made a complaint with paypal and they did not help me with my situation. The individual who took money from me never gave me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi there, I disputed inaccurate information on my Experian credit report twice in XX/XX/XXXX  and  XX/XX/XXXX . It was about unauthorized hard inquiries. I asked Experian to provide a verifiable proof I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Experian and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date : XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX Creditor Name :   XXXX   XXXX   XXXX   Date :  XX/XX/XXXX  Thank you

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 12-02-2017 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 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: Please be aware the third party debt collector XXXX sold the account to found the account to be fraudulent. They have removed the items from my credit files, but XXXX has not taken the steps that are required by law to remove the account once it was found to be fraudulent. XXXX is violsting my rights. XXXX needs to remove the account from the credit companies they report to. I attached the third party debt collectors response to my complaint.

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 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went onto the Experian website and authorized a {$1.00} payment for my annual credit report. I was unaware that I had agreed to sign up for account monitoring until I saw a monthly charge of {$21.00} on my checking account. I did not authorize this charge and have since gone online and cancelled this account they tricked me into opening but they refuse to refund my {$21.00}. This is highly unethical especially considering they are a credit reporting company.

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 05/28/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: on XXXX/XXXX/2015, I contacted American Express and tried to resolve of issue. But I could n't american Express has pulled my credit report without my consent. This company has engaged in fraud and indentity theft. I did not give this company the right to pull my credit report. When I called the fraud department on XXXX/XXXX/2015, i was hanged up on phone, and it was almost like the rep, did n't want me to talk to the fraud department. What american express suppose to do is send me a fraud affavadit in the mail. but the company still refuses to so. American Express is asking for too much additional information, just to conver their end. They are also reporting accurate information on my credit report. This company is a scam. They wouldnt listen, so decided to file a compliant.

Company response to consumer: Closed
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have received a letter with instructions to receive my FREE annual credit report from XXXX XXXX. 
This report is not FREE, as it is NOT being processed. Their telephone and website links are failures. The phone link will not get my clearly stated address correct ; the web link will not get past the security letters. I am accusing this credit reporting organization of intentionally avoiding provision of a FREE credit report from the 3 credit bureaus.
Inquiry ( my information ) Purpose : loan refinance, XXXX XXXX XXXX XXXX-2017

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 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have disputed my charges 3 times with Capital one on charges for XXXX XXXX XXXX that is a non existing event. I spent {$1600.00}. This event was promoted that it would be held at XXXX XXXX 's XXXX. XXXX XXXX granddaughter was one of the huge promoters for it. We were excited to plan our vacation and we were looking forward to it. Then the announcement was made that the event was NOT going to take place at XXXX XXXX XXXX XXXX. This was devastating news to us, as we were saving and planning our vacations days to attend the ranch. We found out it was canceled due to the XXXX XXXX XXXX owner not meeting his financial obligation. This is when we first disputed our charges due to the event cancelling and there was not a second location announced. Capital One refunded our money then took it back since there was a second venue announced. The 2nd venue was XXXX XXXX In XXXX that was not approved. They then had a 3rd venue was announced then cancelled due to not meeting state requirement. As of today there is not a venue for XXXX XXXX XXXX. Capital one said we disputed too soon and now it is too late. We should not pay for an event ( vacation ) that we planned that is non existing.Capital One has approved refunds to other customers. They asked me to get a claim number and name and that would help my case. I provide that in all the documentation they requested to help my case but still no refund. This event was a scam that has been on the news and well as BBB has confirmed it. I am asking for Capital One to do the right thing and refund our money. I trusted in my credit card company to protect me from fraud

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Payday loan () with WLCC (HI).
Issue: Charged fees or interest I didn't expect

Complaint: Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Shopping for a loan or lease

Complaint: ON XXXX I WENT TO XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: This is m y 2nd atte mpt to get this rectified with your organization in regards to thes e 2  accounts reporting on my credit file. I am making complaints against Equifax,    XXXX    and "   XXXX   XXXX   '' for reporting an unverified debt. I have no idea why these  2 a ccounts are on my credit file and where they originated from . I co ntinue to receive auto-responses that this has been " verified '' and at no time have I ever received any agreement or contract with my signature on it verifying that I ever agreed to pay or owe this debt! What this means is that anyone can state that any consumer owes them money and it 's taken at face value with no consequence or proof! This means that I can send a collection agency a claim that whoever is reading this owes me {$2000.00} and the bureaus will believe it when that company says that it has been verified and that 's the end of the story. It does n't work like that.  Congress  states that the only legal proof is firsthand knowledge which means having the actual documentation in their hands. If that were true, there would n't be such as issue in regards to validating this. In addition, I 've had to dispute with this company  at 3 s eparate addresses because the address listed on my credit file is not valid and was returned. I have only received  1  letter from   XXXX   XXXX   and it was from a different address than what is listed on the report. Therefore, I disputed with them at that address via certified mai l ( e ach time ) and at no time have I ever received any other correspondence. Because they are not replying to me at all, this means that I am right and do not in fact owe any money to them. If I did, they would immediately send me the proof of this and back it up! The bureaus have disregarded my request for method of verification, procedures used to verify this debt and have willfully told me that this has not been disputed for the past 3 months even though I have faxed it to them as well as sent in the mail. I can also see on  XXXX  and  equifax.com th at the status of this account continues to change from in dispute to not, so I do know that my disputes are being received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Closing/Cancelling account

Complaint: This Is To Bring Under Your Notice That, I was Using Citi BankCard No. XXXX From More Than 7 Years, And When Today Am Trying To Use It For Online Payment It Declined My Payments. 
When I Got Its Reason From Its Executive It Was Really Very Shocking & Unethical On There Part That My Card Had been cancelled Without Informing Me & Without Taking Me into Consideration. The Reason Is Very Great ThatIf We Not Be Able To Use It For Few Months, They Make It Cancelled. 
We Expect Banks Will Only Stops Who are Bad Pay Masters. You People Really Made embarrassed While Using Your Card In Presence Of My Friends n Family. 
Previously I Had Inform Citi Bank For My Correspondence Address Changed In XXXX 2015, The Same Is Not Updated Due To New Aadhar Card Not Issued At That Time, Citi Bank Not Considered Landline Telephone Bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Title loan) with Presto Auto Loans, Inc. (AZ).
Issue: Struggling to pay your loan

Complaint: On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation