milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FLAGSTAR BANK, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Payments have been made twice a month, in advance, for over 5 years. The bank continually delays posting the payments and periodically assesses late charges incorrectly. Now they have actually returned payments. As of now, the interest charged on the account is far in excess of what is actually due.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXXAct. # XXXXPast Due : {$170.00} Pay History Opened : Reported:XXXX Condition : Derogatory Individual Account Limit : {$0.00} Balance : {$170.00} Payment : {$170.00} Credit Type : Open Account XXXX XXXX Remarks : Collection account Utility I have not opened a XXXX XXXX account. Its saying that it is open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Collection Bureau of America Ltd. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am disputing all of the RCS Mortgage late payments on my XXXX credit report. 

This Mortgage loan was included in my Chapter XXXX Bankruptcy which was filed XXXX/XXXX/XXXX and completed successfully XXXX/XXXX/XXXX. The mortgage, initially with XXXX and than with RCS, was included in the bankruptcy. On the bankruptcy its value is {$47000.00}. 

On XXXX/XXXX/XXXX there was an Order Granting Relief From XXXX XXXX. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house. 

Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy. 

Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter XXXX. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: EVERBANK IS REPORT A WRONGFUL 30 DAY LATE TO OUR CREDIT REPORT ... .That conversation will tell everyone that we made a payment over the phone and gave the rep our account number. The account number given can be crossed checked and determine that Everbank input our data incorrectly. We have paid Everbank before the due date and consistently, they have made a mistake and need to remove our late pay.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased furniture at    XXXX   XXXX   in   XXXX  of    2016 via a  lease agreement with  XXXX   XXXX . I have purchased furniture through them before and have never had a problem. Additionally, I purchased the furniture in this manner because I did not want to purchase the items on credit, which would have a negative impact on my credit. To my surprise, the account showed up on my Equifax Credit Report as an installment loan. First of all, this is not an installment loan, as clearly stated in the lease agreement ; second, I never received notification that the account would be reported on my credit report, otherwise, I would have never agreed to the terms or purchased the furniture. I would like this account removed from my Equifax credit file, as it is having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I have twice received denials for a Secured XXXX from CapitalOne. Both times they indicate the reason is that legal action is pending against me. In the 3 years since they first made this claim, I have yet to be aware that I am party to any litigation. The most recent letter is dated XXXX XXXX, XXXX. I sent them a letter requesting additional information and have not received a response. I am mailing another letter to the address provided in the decline letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: They wo n't let me in my account. I have tried to activate my card. I also called and been hung up on 3 times. 
I just got this account. What should i do?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had an account with Walmart. I paid my account early and they changed the due date and I was being hit with late fees as my original due date was the XXXX. So when I paid early that is when the next bill was due. They also provided an original limit and then decreased the amount which made my credit score lower due to debt to ratio. Which I was not aware that they could go and review my score at anytime and lower my original credit card balance. I am receiving a minimum of 5 calls a day to the point I blocked there number. I have tried to discuss this issue before and honestly gave up. When they lowered my limit I was never late and I feel that it is a scam to cause more harm, also changing the due date pending on if you pay early or not is also unfair business ethics. I am at the point where I just want to change my phone number. This is the only account I am having issues with as I do not feel that they have treated me fairly at all. 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 monetary relief
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I was a victim of fraud and identity theft a few years ago, resulting in my Chase bank account being compromised with charges I did not make. Chase investigated and determined fraud was present and the bank account was closed. During the investigation Chase started accruing fees on the account which totaled over {$330.00}! For over two years I have disputed the fees and finally a Personal Banker, XXXX XXXX XXXX ID XXXX sat down and researched the account and conferenced the Chase Fraud Department via phone. At which time it was concluded that the fees should not have been charged and that I should not have anything derogatory on my credit reports or any negative blocks which are now preventing me from opening any new bank accounts! However, the Fraud Department representative was unsure how to update the account due to some 2 year limitation that prevents them from changing a record. Thus, I was referred to Chase Bank 's Executive Office, XXXX XXXX, at XXXX. After leaving a message XXXX XXXX returned my call and asked me if I was seeking legal action against Chase Bank and then told me he would transfer my issue to the proper department, and if I did not hear back from him within 48 hours to return a call and notify him. I returned a call to XXXX XXXX and a woman answered and refused to transfer me to XXXX XXXX. She then transferred me to Chase 's Collection Department, at which time a verbal demand was made to me for {$170.00} and some change or else all the negative information attached to my identity would remain and I was told I had to pay in full by XX/XX/XXXX! Not one entity with Chase Bank has been willing to contact the Personal Banker who finally attempted to assist me to resolve this lingering burden, nor have they made any attempt to confirm with the Fraud Department! Meanwhile, I remain a victim, and continue to be negatively impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 fraudulent inquiries on my account. I disputed these through internet as well as phone calls and they are telling me it ca n't be deleted. Experian, XXXX and XXXX : XXXX XXXX X/2016 XXXX : XXXX XXXX XX/XX/2016 XXXX : XXXX XXXX XXXX-2016

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (HI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was never eligible to receive a credit card before till recently yet on my XXXX XXXX it says I have an open account with CBNA since XXXX XXXX, 2017. I 've never heard of that bank ever and I got a phone call saying I have a {$3000.00} debt to pay off but when I told the operator I had no debt or card with that problem he hung up on me. Immediately I was suspicious of the situation. The pictures below show I have a XXXX XXXX card that I just got approved for and the other is the cbna which I have no idea about.

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 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
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: On XXXX XXXX, XXXX I subscribed to XXXX XXXX online for a trial month subscription. I was charged a fee of XXXX for XXXX XXXX which was disputed and cancelled with XXXX XXXXXXXX and they said they would cancel the subscription. XXXX said they can not find my account. I have been getting monthly charges up until XXXX XXXX when I finally decided to put a stop payment on my account. I spoke with Bank of America ( BOA ) periodically over the course of the last 2 years but it was usually when my monthly subscription was pending on my account. NEVER once did they give me the option to dispute previous charges from the month or months before to recoup my funds when I called about the pending transaction nor did BOA tell me to stop payment on this charge until I told them to after talking to another banking institution about my situation. BOA just let me incur banking fees if funds where not in my account. I am disputing repaying BOA the XXXX 4 temporary credit which they say " falls outside of timeframe. '' Which is a 60day timeframe. I would not have fallen outside the timeframe if, every time I called when the charge was pending they would have told me my rights as a consumer regarding the previous charges that could have been removed that was reoccurring each month. I feel taken advantage of and uninformed about my rights. Instant checkmate phone number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Payday loan) with Integrated Recovery Services (NH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 dispute this acct. and ask that the account be VALIDATED with a Certified Copy of the TRUE BILL and the Original Contract Documents That Show my WET SEAL SIGNATURE on them no copies XXXX XXXX {$1800.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Portfolio Recovery Associates still is contacting to collect a debt via phone after sending them a court ordered letter that the charge had been dismissed and no further action to be taken. They still contact me stating that they are threatening litigation which they ca n't for the same charge twice. I 've asked them to stop calling based on FCRA rules and they still keep calling me weekly. They say its their company policy that any request has to be made written and that they will keep calling and I am responsible for this debt. I have all court documents showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Prior to paying on my account with portfolio recovery associates, It was in agreement with the reps I spoke to that the account would be deleted after it was payed. I ended up paying the entire amount owed, and received a letter in the mail that it had been paid in full. After months of the debt still showing on my credit report as " paid, {$0.00} owed '' I contacted portfolio recovery associates to ask again for the item to be removed as that was our original agreement. At this time I was given the run-around, told to contact  XXXX  etc to have them delete it. I am currently trying to dispute the item to no avail. I had read that this is a regular occurance when dealing with this specific collection company.

Company response to consumer: Closed with explanation