milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NC).
Issue: Account opening, closing, or management

Complaint: I just signed up for a PayPal Account in XXXX 2015 and used it for about 3 months then i got a email that my account was on hold. I called in and they informed me that i have XXXX other accounts that have negative balances XXXX over {$6000.00} and the other almost {$3000.00}. I am a victim of identity theft previously so i informed them of this and they told me to fax the information in. So i called FTC to get the affidavit sent to me with the pay pal accounts added to the list of accounts opened without my knowledge. I sent the information to papal and got denied XXXX times and appealing. I was told pay pal was over the federal government and that i am being held responsible for both accounts and that they are going to keep my money its almost {$700.00} in my pay pal account its messed me up and is putting all of my bills behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 10/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I 'm an XXXX. On or about XXXX XXXX, 2014, I received an email from a person who purported to be a woman in XXXX trying to collect monies due on a divorce settlement agreement entered here in Illinois, and asking my assistance for this purpose. I entered into a retainer agreement with her for this purpose, and she sent me a check for the retainer and put me in touch with her alleged ex-husband. The arrangement was that he was to send me checks for the settlement amounts, and I was to send them to my client through my business account at Chase ( where my client also had an account. ) The client gave me her bank info so I could wire transfer the check amounts to her account. The first XXXX checks went through uneventfully. The XXXX check ( well into the XXXX figures ) was paid as a wire transfer by my branch of Chase [ NOTE THE CHRONOLOGY HERE! ], but then the original check was refused for payment because some of the information on its face had been altered. When I was informed of this, I attempted to contact the client, with no success. I have tried a couple of time since then, but have still had no success. 
A few weeks later, Chase froze all of my accounts ( XXXX of them ), and they are still frozen. They have notified me that I am responsible for repaying them the XXXX-figure check. I could not possibly do so, even if I liquidated all my assets. Chase has essentially impounded roughly {$12000.00} of my funds. They continue to levy regular bank charges on both accounts, and to send me statements and other mailings. 
I retained an attorney for this matter last year, but he was conflicted out of the case when he became employed by a firm that represented Chase. His approach to the case was less than helpful to begin with -- it was his feeling that he had done an adequate job in that Chase had not actually filed suit against me for the XXXX-figure check, even if they had also not returned my funds. 
Although I am XXXX myself, I have no expertise in banking matters, and we all know what XXXX says about XXXX anyway. 
I have all of the documents that exist in this case, and have also sent copies of them to Chase, and will be glad to send them to you on request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Other mortgage) with ACADEMY MORTGAGE CORPORATION (DC).
Issue: Application, originator, mortgage broker

Complaint: I contacted XXXX, a company who provide services to mortgage lenders and mortgage companies, on Monday, XXXX XXXX, XXXX regarding their unauthorized hard hit inquiry on my credit report. XXXX stated that they received authorization on XXXX XXXX, XXXX to pull my credit from Academy Mortgage Corporation. I did not authorize or give my consent for either company to pull my credit. I did not apply for a mortgage with either company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint twice already stating I never filed a BK that is showing a dismissed BK that is showing on my credit report. This has cost me a government hiring. They told me they verified it and it is correct. I called the XXXX Bankruptcy Court and spoke with the clerk in the office. She stated to me we do n't verify any info over the phone or thru mail. If Equifax does n't remove this then I plan on filing a lawsuit against them and sue for damages. I have been extremely nice to them with my letters and stating the facts. I want this damaging information on my credit report removed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I really was n't sure which subject to pick, but here is what happened. I had cable service with  XXXX   XXXX   XXXX  and canceled my service I believe in   XXXX   XXXX   XXXX   leaving a  XXXX  balance. And had service connect with  XXXX   XXXX  which had purchased  XXXX   XXXX   XXXX  at the time. So  XXXX   XXXX   XXXX  sent me a bill initially in the amount of  XXXX  so I called and inquired about it. I called on  XXXX / XXXX / XXXX  and spoke with a  XXXX , she informed me that it was for equipment ( modem ) and that I just need to return it to any  XXXX  store and they will ship it. So that 's exactly what I did. I took all their equipment to the  XXXX  store on  XXXX . And upon leaving  XXXX  I was told to be sure to keep up with my receipt because  XXXX   XXXX   XXXX  has been known for this very thing, of accusing people that that owe for equipment. Because they do n't scan it in or anything, they just throw the equipment in a box. I reached out to  XXXX   XXXX   XXXX  again in  XXXX   XXXX  when I received mail from them saying I owed. I spoke with an  XXXX  if I 'm reading my notes correctly and she told me she sees where I turned the equipment in and apologized for the error. So  XXXX   XXXX  around I I receive a letter from the collection agency about owing  XXXX  so I told her I do n't owe and she asked was I disputing the claim and I said YES and she told me she would send it back to  XXXX   XXXX   XXXX  and they would get back to me. I have  XXXX  to hear anything from them but in the process of trying to straighten up my credit, checked my report and see this  XXXX  on here. I have pictures of allllll the equipment and serial number of the equipment RETURNED. And I 'm not sure but if I owed  XXXX   XXXX   XXXX  they would n't still be sending me advertisement trying to get me to get internet through them. And I have tried several times to contact  XXXX   XXXX   XXXX  but they have an awful automated system and I have n't been able to speak with an actual human. I have no problem paying the debt IF I owed it BUT I do n't and this really irritates me. I 've kept up with a few notes I made to myself that I have attached below. I also attached a couple of pics of the equipment serial numbers that I dropped off.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with Pinnacle Asset Management, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.

Company response to consumer: Untimely response
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Medical) with BC SERVICES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This complaint is being filed against BC Services in regards to the above reference account ( XXXX ) that BC Services INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully requested several times that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-10-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I  paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment.  They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with Aldridge Pite, LLP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: Toyota Financial sent me included a miscellaneous charge in the amount of {$630.00}. XXXX. They stated that XXXX County ( XXXX XXXX, Texas ) assessed a property tax and that they paid it and passed the amount to me for payment. I requested a detailed accounting of the bill, however Toyota stated that they could not give me any records because of " privacy issues ''. I was instructed to contact the XXXX County Tax Assessors Office. I did so. They informed me that the county assesses a tax on the entire fleet of the leasing company 's yearly rendition and that the Tax Code requires the owner ( Toyota ) to complete the Lessee 's Affidavit of Primarily Non Income Producing Vehicle Use ( Form XXXX ). Toyota now claims that they did not receive a notarized TX affidavit " by the required deadline ''. They do not indicate when the deadline was, who was supposed to file it, and what type of notarized TX affidavit was required in order to be exempt. Further they stated, " Therefore we are required to report the vehicle as business use and no refund will be issued by the county. '' It is my understanding that this tax applies to commercial vehicles only and DOES NOT apply to personal use vehicles. Toyota Financial states that I need to refer to my original lease and that I am liable for payment, even though there appears to be some sort of clerical error on either XXXX County or Toyota. It hardly seems appropriate that I would have to pay a tax on my personal car because it has been erroneously listed for commercial use.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Ditech Financial LLC (MO).
Issue: Struggling to pay mortgage

Complaint: My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. 

My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. 

The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. 

Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Blackhawk Network Holdings Inc. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I wanted to purchase a general-purpose prepaid debit card for my son to take to camp. I purchased a {$100.00} card at a   XXXX   XXXX   XXXX   on   XXXX   XXXX  , plus a {$4.00} fee. The packaging says " Explore Everywhere : Use at Theme Parks, Museums, Tours, Zoos & National Parks in the U.S., Everywhere Visa Debit is Accepted. '' I assumed that " Everywhere Visa Debit is Accepted '' and Explore " Everywhere '' meant what it said, but it does n't - the card is apparently only usable at certain types of locations. I immediately called and asked for a refund, and they say they are sending me a refund of the {$100.00} but would not refund the {$4.00}. Their packaging material is false and I have received no value from the card, which I did not use.
The card was issued by   XXXX   and is distributed by Blackhawk Network California , Inc.   XXXX  . The card is  XXXX . I put it in my son 's name   XXXX   XXXX   and my name is   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at 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