milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello My name is XXXX, Back on XXXX XXXX, 2014, I closed a credit card account with XXXX XXXX Bank. Before closing my account I made sure I paid off my balance of only XXXX $ which was the amount I was credited for. After closing my account, I know see that 2 years later I have a debt of {$600.00} that is sent to collections. When I call the credit card company, there 's not XXXX person from the company who willing to help or speak proper XXXX. I 've called multiple time through the span of 2 weeks, and I would like to know why I have a balance of {$600.00} that I will not pay unless I get some explanations. I have proof of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an unauthorized inquiry on my credit report made by XXXX Bank on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Sale of account

Complaint: I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.

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 09/21/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.

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 06-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing/Cancelling account

Complaint: I had a credit card account with Capital One which I closed because of poor customer service. At the time of closing there was a credit balance in the account. According to Capital One I will have to wait 60 to 90 days to get a refund check. This is an outrage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Dynamic Recovery Solutions, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from a company calling themselves Dynamic Recovery Solutions. They provided me a phone number of XXXX. My wireless phone identified the number they called from as phone number XXXX XXXX XXXX XXXX. 

These people informed me that I have an outstanding medical debt of over {$300.00}. They have been hired to collect this debt in full or make arrangements with me to pay in installments or they will offer me a settlement. They requested for a credit card to pay this off. 

This company had my name and my wireless number and the last XXXX digits of my social security number and my previous address. They requested me to confirm my social security number and my previous address and provide my new one. I would not give them any information because I believe they are a SCAM. 

I have health insurance which covers most of my health insurance, therefore I DO-NOT any outstanding medical bills. I do not know HOW they got my personal information. 

I look forward to your investigation of this matter. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown collection and outdated, please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them and they do nothing regardless of fraud. Equifax needs to remove anything negative from my account as I have flawless payment history and I should have flawless credit. Unfortunately due to their inept employees and outdated Infrastructure, nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Other

Complaint: I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Meridian Financial Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.

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 06-12-2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: On  XX/XX/XXXX  I returned a  Mazda CX 5  at end of lease term. Virginia title #  XXXX , last  4 digits of VIN  are  XXXX . Lease terminated on  XX/XX/XXXX . On  XX/XX/XXXX  I received a letter to pay a lease termination fee of {$610.00}. Of that amount, {$290.00} was for " Excess Wear & Use. '' The 3 year lease allowed  XXXX  miles a year or  XXXX  total miles. When the car was returned, the total mileage was approximately  XXXX  miles. On  XX/XX/XXXX  I paid an additional {$800.00} for alleged additional repairs to the car. This was paid to  XXXX   XXXX  's  Leasing Agent,   XXXX   XXXX  who advanced the {$800.00} as a courtesy. On  XX/XX/XXXX , I received a second letter asking for payment of the {$610.00}. I paid the {$610.00} by check on  XX/XX/XXXX , check #  XXXX . This check cleared the bank on  XX/XX/XXXX .   I have received notices after lease end to pay personal property taxes on the vehicle. The first one was for {$290.00} which was paid on  XX/XX/XXXX , Check #  XXXX . I included a note asking that they send me a copy of th e Tax Bill they  would have received from  XXXX  County, VA. They have not. This check cleared the bank on  XX/XX/XXXX . Then on  XX/XX/XXXX , I received another notice to pay PP taxes of {$140.00}. Which I have not paid given the foregoing circumstances. In addition, the Mazda Capital Services  Auto Lease Acc ount Statement of  XX/XX/XXXX  shows a billing of {$25.00} for property tax assessed  XX/XX/XXXX . The Statement for  XX/XX/XXXX  shows a PP tax billing of {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Company failed to due an adequate investigation of my dispute on an entry on my credit report. A company called XXXX XXXX XXXX has two entries on my consumer credit report. When previously disputed it has come back verified. I then requested in writing full verification of debt from the company but these letters went unanswered. I have since found out that this company is no longer in business per the BBB website. In additon this same collection agency recently entered into a consent agreement with CFPB for violations of FCRA laws and was fined. So I am wondering how was this debt verified with a company that is no longer in business???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.

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 10-10-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I  sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all. 

I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Application, originator, mortgage broker

Complaint: Fraudulent FHA application indicating that I did not bring any money to the closing and if I did, was it borrowed? 

Note : FHA insures reverse mortgages for one-to-four family units under the various provisons of section 255 of the National Housing Act ( Title 12, United States Code, Section 1715z-20 et.seq ).

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a fraud alert on all XXXX of my credit reports. I have reported that numerous accounts are not mine. XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. 
I have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. 
XXXX refuse to provide any information for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (MO).
Issue: Credit determination

Complaint: On XXXX XXXX, 2015, I discovered that I have been a victim of Identity theft as someone opened a PayPal Credit account in my name without my knowledge or permission. This account was opened on XXXX/XXXX/2015 with an address that I had not occupied until XXXX/XXXX/2015 and at the time was only known to XXXX potential mortgage company, XXXX XXXX. My complaint is against PayPal Credit specifically. I have discovered that all anyone needs to open a PayPal Credit account is the last XXXX of a SSN. Since most documents conceal all but the last XXXX of your SSN, this is a concern. Why does PayPal Credit have my SSN on file in a database? How do I remove my information from their database? Is it legal for them to store my personal and confidential information? Any consumer can go to XXXX and open one of their credit accounts with only their name, address, and last XXXX of the SSN.

Company response to consumer: Closed with explanation