milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 07/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with J&L Collection Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: J & L Teamworks p laced  XXXX  unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to.     I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report.     I sent them  XXXX  certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Transaction issue

Complaint: Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this " refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other transaction problem

Complaint: Attempted to set up my Capital One account for use on XXXX for purchase of crypto currency, but they blocked account from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They told me if I paid settlement amount. Upon receipt they would remove from the credit bureaus. They have not they stated they have not had the time to do it. It has been over 2 yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Federal student loan) with SLM CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sallie Mae called me XXXX times yesterday. I answered the phone each time and there was no on on the other end of the line. I called the number back and spoke with someone who claimed I owed an amount of {$25.00} and some change. I advised them that they had called me XXXX times in one day and the supervisor advised it was an automated system and shows they only contacted me XXXX times. After I ended the phone call because the supervisor and rep both told me there was nothing they could do about the phone calls until the bill was paid, I paid the bill online. The amount it showed I owed online was greater than what I was told on the phone, but I paid it all anyway. I received XXXX more phone calls after the payment was made last night. Again, no one was on the other end of the line. Today, I received XXXX more phone calls from the same number and no one was on the line. I tried to call them back, but ca n't speak with anyone because their office is closed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers. 

A disputed has been filed with two credit reporting agencies including XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good day!

I was trying to get a approval to buy a house and I received this report on my Experian credit bureaus that I was late on XXXX XXXX  for 60 days in XX/XX/XXXX and XX/XX/XXXX month XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paidXX/XX/XXXX and XX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Experian bureaus.

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 04-07-2015 about Debt collection (I do not know) with Solidus Group LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Payday loan () with BlueChip Financial (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. 
This company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Rewards

Complaint: On Tuesday, XXXX XXXX, I received a letter from Wells Fargo dated XXXX XXXX stating they had found unusual activity in my account and that my account would be closed if the activity continued beyond receipt of the letter. I immediately discontinued use of the account, but on XXXX XXXX, found my account was closed and pending credit card rewards confiscated anyway. I made several calls to Wells Fargo to try to reopen the account to no avail. 
On XXXX XXXX, I received a letter, dated XXXX XXXX, congratulating me for being a top tier customer and providing enhanced rewards. According to the letter, under this reward structure, " XXXX points has a {$520.00} value ''. Wells Fargo confiscated XXXX points. Based on Wells Fargo 's valuation, these points have a value of {$26000.00}.

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 12/16/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Initiated a personal loan XXXX simple interest ). Was making extra payments toward principal. No payments were applied to principal. Was told it was not a simple interest loan, though I believed it was at signing of papers.

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 06-01-2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: PayPal has again hijacked my credit card as a " backup payment source '' without my input or permission. This is a follow up to Case number :  XXXX .

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 05-12-2017 about Debt collection (I do not know) with Blakely-Witt and Associates, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Medical) with TRINITY HOPE ASSOCIATES (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After looking at my  credit score  on   XXXX   XXXX   I noticed two different charges from a credit collector who I sm familiar with that takes care of medical debts in the arera I reside. These two different reports was a red flag to me due to a couple different factors. The first thing that has caught my eye was the years in which the debt collector is saying I owe money. I did not utilize the ER/Hospital/Physician that this debt collector normally tries to collect debts. The only type pf  medical services I received in both of the years in quedtion is through my family physician who does not utilize any of the hospital/ER in the aera, futh ermore I have not been in a ER as the debt is accusing. The second thing after the reported years not being any year I had been treated in any of the hospitals the days of the accused aquired debts are almost exactly to the date of the other  by one day. What really concerns me about these reported debts is on or around the time the debt collector is saying that the debts occured I was sepersting from my significant other of ten years and he had a family member who was working for the debt collector at the  time these debts would have been acquired. This family member of my significant other were not on a positive point with each other, due to the seperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation