milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A recurring charge 0f XXXX keeps showing up on my account from a fraudster company " XXXX XXXX ''. I have NEVER ordered anything from them nor have I ever received anything from them. My credit card # has been changed 4 or 5 times this year so as cause much consternation! Citi Visa CostCo card has done nothing about this ongoing fraud other than to give me and the fraudsters my new card Number.

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 04/26/2017 about Debt collection (I do not know) with Roycroft Management (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Other banking product or service) with GLOBAL CLIENT SOLUTIONS, LLC (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I provide debt relief services, and Global Client Solutions LLC " GCS '' ( a subsidiary of XXXX XXXX XXXX ) establishes for my clients a sub-account within a master custodial account maintained at a FDIC-insured bank. My client ( s ) authorized a fee payment to me which GCS stole and absconded with the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: This is sequel to complaint number XXXX.Bank of America is contending that the direct deposits made on XX/XX/XXXX and XX/XX/XXXX were from " brokerage firms, over-the-counter deposits, and funds transfers ; all of which were not considered as qualifying direct deposits ''. This is not true, the deposits were from a retirement account which is a regular source of income for me. In terms of the Bank 's letter reference number XXXX dated XX/XX/XXXX addressed to me, income from a " retirement '' account was considered a qualifying direct deposit.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent certified letters to the company repeatedly and XXXX XXXX XXXX refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 

Listed below is the request I send to the company again with proof and I received a response letter stating, we will not reinvestigate this request again. Plus, this letter was signed by XXXX XXXX XXXX. 

THIS LETTER IS IN RESPONSE TO INACCURATE INQUIRES AND MY PERSONAL INFORMATION LISTED ON REPORT. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426- CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 

PLEASE NOTE, THIS IS MY FINAL COMMUNICATION IN REGARDS TO these INACCRATE ENTRIES BEING REPORTED. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One does not allow their account to be accessed through third-party services that advocate for their customers to help reduce costs and hold companies accountable to their own policies. I have a right to this service and to fair representation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Express keeps me calling me to collect a debt which I can not pay at this time due to being unemployed. I have informed them of this repeatedly but they continue to call nearly every day. The people calling are very rude and harass me in order to collect their debt. I explained that I can send partial payments but they tell me that I must send at least the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I deposited a XXXX $ check through the ATM. On XXXX XXXX my bank froze my accounts. Claiming they were just trying to verify the funds on the check. I asked why my accounts were frozen. They couldnt speak to that matter. Claiming they shouldnt of been they were just trying to verify the check and they cant unfreeze my account. I called later that afternoon and spoke to the fraud dept once again. This time the representitave said that my account was frozen due to supsicious activity on my end. I then revieved a phone call from the branch claiming thats not true and that it is due the check and verification of funds.On XXXX XXXX my acct was still frozen and noone has any answers for me. Except the individual who wrote me the check. He supplied a photograph showing the check cleared and everything ok on his end. As of tues XXXX XXXX. My bank will not unfreeze my account. And noone has a answer and will not tell me anything. Especially since I have showed proof of the check being cleared. I have had deposits get rejected in light of this. and it has put me behind in rent and my business in jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with U.S. BANCORP (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I received a phone call today telling me a court case was being opened up on me to bring criminal charges against me. I called the number on the message and they informed me this was regarding a bank account that I closed with U.S Bank back in 2005. They stated U.S Bank is bringing charges for attempting to defraud a financial institution for overdraft fees left on the account. I never received any notices in the mail or phone calls stating I had a negative balance left on the account after I closed the account. The amount was never placed on my credit showing I owed this balance, and by my accounts I did not know I owed them anything until I received this phone call today. The amount that they 're saying was left on the account is {$760.00}, but the amount owed in the court document is {$2200.00}. I do not agree with this, I believe this may be potential fraud and I should not be held liable for something that I did not know was out there until 12 years later.

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 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AL).
Issue: Struggling to pay mortgage

Complaint: I purchased a mobile home in 2000 from XXXX XXXX XXXX in XXXX al.i was told by the salesman that I was approved for a use office trailer for XXXX I had several option 15, 20, 30 years and so I took the higher payment so I can pay off in 20yrs and now ditech say I have 13 more years to pay ... .and my balance is still XXXX..I just need some advice on do I need to contact a lawyer, and they call everyday every hour if the day ... I don't know what to do ... .the house need repairs but can't make repairs..

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX / 2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with Northstar Location Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm inquiring about help with a bill collector that is calling looking for the wrong person. This woman keeps calling from a company called North Star Services. She is looking for XXXX XXXX, whom I am married to. Except they are looking for a different XXXX XXXX. They want me to give them personal information and when I wo n't, the woman I spoke to said she wo n't take the numbers off. They must be searching the internet and XXXX for our relatives. They called my cousin who works at a XXXX in XXXX XXXX and lead her to believe there was a family emergency and tricked her into giving information. They verified that the XXXX XXXX they are looking for lives in a different city but then they want us to give out date of birth and social security. 
I have also found people blogging on the internet about this same person from back to 2013. Seems like they are always calling people about made up debt and harassing family members at their work place. Are there any laws in place to stop this? 
How can I stop them from harassing family members? 
Person 's name is XXXX XXXX or XXXX XXXX XXXX North Star Location Services Thanks for your help, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: onXX/XX/XXXXthere were charges made to my US Bank Credit Card without my knowledge. This card was previously paid off and I seldomly use it. I received no communication that there was an outstanding balance on this card or that it had become past due untilXX/XX/XXXX. Once I was made aware that there was a past due amount I paid it immediately. I specifically asked why I wasn't notified earlier and the representative told me they were unsure, and that they send monthly statements. I never received these statements, I then asked them if this would show on my credit since the charges were from so long ago, I was told that it shouldn't effect me and that it wouldn't be reported since I was bringing my account current. Shortly after this I noticed that they had reduced my credit limit severely but I didn't think much of it since I rarely use the card.Then in XX/XX/XXXX I applied for a home loan and was informed that I had a derogatory remark on my credit from US Bank in XX/XX/XXXX. I immediately knew what it was from, I've been in contact with US Bank and they insist that there is nothing I can do to remedy this situation other than for me to file a dispute with the credit bureau. I've asked repeatedly for a letter of deletion and they refuse to write one, but they were willing to notate the account stating that if the credit bureau contacted them, they would accept fault and allow the delinquency to be removed. Currently this issue is causing problems for me financially, and making it difficult to get approved for a favorable home loan.

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I sought help with refinancing or a loan modification after I found that my husband unexpectedly decided to file for divorce. I bought my home prior to our marriage. We as husband and wife decided that it was ok for me to become a stay at home mom and wife due to his increase in income. So when he up and left I had no other income. I reached out to the company listed below and was advised to not make a payment, which I was up to date on and not ever late up until this point, with help from my parents. I took the advice and now a little over a year later I am unable to get caught back up and looking at possibly losing my house. I wish I would have known then what I have come to learn now! 

XXXX XXXX Processor ( Not an attorney ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Toll Free ( XXXX ) XXXX Ext. XXXX Fax Number : ( XXXX ) XXXX Office hours XXXX to XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened an HSA account with my employer beginning in XX/XX/XXXX through HSA Bank ( a division of Webster Bank ). It was free as long as I kept my insurance plan with my employer. I ended up leaving my employer XX/XX/XXXX. However, I kept my insurance plan through COBRA. I believe the computer realized I left the company and began charging me a {$5.00} monthly fee. I was charged for three consecutive months. But then, it appears, HSA Bank received notification I was still on the company 's insurance plan. So, the fees stopped. The XXXX {$5.00} fees were charged in error. I have called HSA Bank three times to get the fees reversed. At first, I was promised they would be taken care of. On the third call, I was told they were charged by a third-party called XXXX, and that I would have to contact them. I also called them. They said they would resolve my fee complaint, but it was never handled. I then reached out to HSA Bank again via email and they still did not correct the fee error. It has now been more than 15 days with four phone calls and two emails with no resolution over {$16.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I reported to Equifax that my SSN was in my report as an account number for a closed, paid loan with University XXXX and thus violating FCRA section 609 ( a ) ( 1 ) ( A ), and that there was incorrect information in the entry multiple times. 

They have refused to truncate the account number so that my SSN is not in my report. 

The account with the University XXXX is missing the date of first delinquency, indicating it would continue on record forever, as if it were n't paid in full. Since it is not being guaranteed by a government agency now that it is paid in full, the date of first delinquency is required to calculate the date that the account would be obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Title loan) with Shellpoint Partners, LLC (NJ).
Issue: Can't contact lender

Complaint: ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with URS Holding, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted incessantly and at all hours by various representatives of Alltran Financial LP. They state I " owe '' {$2200.00} for a " judgement '' to XXXX on behalf of XXXX dating back to XX/XX/2011 but offer to " settle '' it for {$1600.00}. I do NOT owe Alltran Financial LP, XXXX, XXXX nor anyone else they claim to represent ANY balance! I have asked repeatedly for written proof of a valid debt and have yet to receive it. In addition, my numerous requests that they CEASE & DESIST from contacting me other than in writing have been ignored.

Company response to consumer: Closed with non-monetary relief