milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (I do not know) with Essential Retrieval Group (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.

Company response to consumer: Untimely response
Consumer complaint received 02/29/2016 about Bank account or service (Savings account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Deposits and withdrawals

Complaint: I was charged a service fee of XXXX dollars for 4 months before I caught it. Associated bank of Wisconsin raised the minimum checking balance from XXXX to XXXX dollars XX/XX/XXXX. I called Associated Bank and complained. They told me that I received numerous notifications especially to my on line banking mail. I have checked My history and there are no notifications. The total amount of fees collected were XXXX dollars. XXXX dollars for each month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. Associated did credit back XXXX dollars but would not give the full amount back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I recently traveled on XXXX XXXX line I had to travel for a funeral well the plans changed and I had to stay a bit longer then expected and well I had contacted XXXX and they said it would not be a problem and I would have to only pay a {$20.00} fee for me that was not an issue well I go to the bus station like they ask me and well they told me it whould costs me around {$86.00} for this so I payed it the bus station said oh just call XXXX they will refund your old ticket for changing ticket so I called XXXX and got absolutely no ware and the customer service line was very rude so I thought I will make a claim though my bank and they bank give me a response that I have to take it up with XXXX and XXXX is now telling me to take it up with my bank I need a resolution to this

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (CT).
Issue: Making/receiving payments, sending money

Complaint: My HSBC bank offers overdraft protection through a credit service affiliated with their bank HSBC Select Credit. In order to ensure the timely payment of my minimum monthly payment I agreed to the auto-pay feature of my bank account which would automatically debit and transfer funds from my checking account to make my monthly payment. Everything went smoothly. 

Several years ago I relocated from New York to Connecticut and my access to HSBC branches were greatly diminished, so this bank account became less and less utilized. 

XX/XX/2016 I was contacted by the bank that I had not made my monthly payment to the overdraft account. I immediately authorized the payment and when I asked WHY the autopay service did not transfer the necessary funds - the representative informed me that the autopay services had 'expired '. At that time I asked the representative if I could reinstate my autopay status - and she said " Yes. '' My autopay status was never reinstated. I was later told that this representative misspoke if she gave me the false impression that she was reinstating my autopay status. 

XX/XX/2016 it came to my attention that my overdraft protection account was now 60 days late - as it was reported to the XXXX major credit agencies and was now affecting my FICO score. I called the bank again and was informed that my autopay status was still not active! I immediately paid the entire balance due on my overdraft account ( over {$1000.00} ) and immediately additionally paid over {$5000.00} towards my HSBC credit card ( which was not late ) - as I now wished to CLOSE all HSBC accounts. I no longer feel I can trust them. 

Since this time I have endeavored to have the 60-day late indicator removed from my credit reports based on the following factors : I feel I was never adequately informed that my HSBC autopay service would expire. I was completely unaware that this service would, without making me aware, simply stop making my required payments. 
An HSBC representative clearly misrepresented her own ability to reinstate my autopay service, and gave me the impression that my phone intervention had solved the problem. 
I have paid HSBC over {$6000.00} as a good-faith gesture bringing all my credit accounts down to XXXX. ( please note I never missed a payment on my credit card - but paid this off as well ) The amount due on the missed payments to the HSBC Select Credit account was a VERY small amount of money. 
The amount of damage to my credit score is completely disproportional to the offense - given the small amount of money due - and will greatly harm me financially. 
There were CLEARLY miscommunications and circumstances attached to these missed payments. 

I am hoping that you can intervene to persuade HSBC to remove this one-time 60 late payment from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with NCC Business Services, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Information is missing that should be on the report

Complaint: I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: APR or interest rate

Complaint: I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.

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 03/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The lender always want me to pay more than, I can afford on a monthly basis. My loans is always in forbearance status. The amount has triple.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with Alliance Data Card Services (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with XXXX Citi representatives in XXXX and XXXX XXXX that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 09-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is in regards to a private student loan for which I am a cosigner and is being serviced by Navient. Loan # XXXX XXXX XXXX XXXX. I have explained 5 times to them that I am currently unemployed, i.e. I have no income and no savings to draw on to make payments, but they refuse to acknowledge facts. I am getting very sick and tired of being harassed when it is impossible for me to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with GMFS, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: GMFS contacted me by phone offering a forbearance as a " courtesy '' on XXXX/XXXX/16 They gave false information about the terms of the forbearance. 

They stated that a 3 month forbearance would be made up at the end of the 30 year loan. that the loan would change from 30 year duration, to 30 years and 3 months. 

They also stated that my credit score would not be affected, there would be no delinquency issues, including late fees or interest fees. 
When the 3 month period was almost over, I contacted them and they stated that the previous information given on XXXX/XXXX/16 was not true, and that all 3 monthly payments were now due at one time, on top of my XXXX payment. These practices are unethical, untruthful, and disgraceful and the company should be held accountable by offering restoration and reversing the damage that they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MD).
Issue: Fraud or scam

Complaint: Someone hacked my Paypal account and PayPal is not even acknowledging I am filing a complaint ; they appear not to be willing to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Whom it may concern, I have a medical collection account on my credit reports including Trans-union, XXXX  and XXXX it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit  reporting agency 's.

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Check Security Associates, LLC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Call at XXXX leaving messages they will sue they have repeatedly called my landlord to harass and embarrasse me they have been asked XXXX times not to do they also call constantly from different numbers also will not send debt validation letter.told my landlord that I owed money and was being sued.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit report with Transunion I had a total of  XXXX  inquires on my credit report, there was a glitch in there system summer of   XXXX   that caused inquires to be placed back on my credit report that was already removed, The glitch happened again early   XXXX   causing more inquires to be added to my credit report. I have tried filing a dispute online as well as over the phone and was told there is nothing they can do. I was not notified in writting that these items will be added back to my report withing 5days from after the glitch happened, my rights were violated and this adds a hardship 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 01/22/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed an account on my credit file numerous times and I 've been informed by the credit reporting agency that my account was investigated and that the item remained unchanged from the processing of the dispute. The account was included in a Chapter XXXX bankruptcy in which was discharged on XX/XX/XXXX. The credit reporting agency is using that date as the date of recent balance in which will place the account on record until XX/XX/XXXX. The date of last activity for the account was in XX/XX/XXXX. So therefore the account has to be deleted from my credit file according to the Federal Credit Bureau guidelines. I also made contact with the creditor and they stated to contact the credit reporting agency to have the old account removed from their records. I have made numerous requests to have the old account deleted from my credit file. However, the credit reporting agency has failed to respond to my requests.

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 08-08-2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with RMS-Recovery Management Services, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/2017 I got a call from Recovery Management from a masked number which was XXXX informing me or legal counsel to call XXXX with a case number of XXXX. Persons name was XXXX XXXX and when the Manager came on he demanded XXXX dollars on my debit card to hold my settlement amount of {$700.00} from a old XXXX debt. He threatened me with court action without letting me talk and hung up. 

I told them I settle for the {$700.00} but did n't have any money. I even said I 'll pay the {$50.00} to hold my settlement but as a one time payment not as a recurring payment. The manager said NO and said " we 'll see you in court '' and promptly hung up without letting me talk. 

On XX/XX/2017 they called several of my family members who have no connection to my financial situation. They called my brother and cousin and leaving them a voicemail with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Cornerstone Holdings, Inc. (AK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.

Company response to consumer: Closed with explanation