milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been receiving repeated phone calls from XXXX XXXX regarding a corporate card charge with an original balance of {$1300.00} with an additional {$150.00} in interest and fees. This was a legitimate business expense that had been charged on the same day of an illegal termination that the corporation illegally refused to pay. I won a legal settlement which included compensatory damages because of this illegal termination. During the time I have been involved in litigation, I have not paid this debt. Although I did, in fact, explain the situation in depth to XXXX customer service, XXXX did not care and reported this to a collection agency. This agency, XXXX XXXX XXXX XXXX, has called me repeatedly regarding this. The latest phone call was on XX/XX/18 at XXXX XXXX MST, and a representative named " XXXX '' told me that I needed to pay this anyway to " maintain a good relationship with XXXX XXXX. '' I explained the situation to him, and he also refused to listen to me, so I hung up on him. Additionally, this company has been making repeated phone calls to my law firm trying to use them to contact me. This is outright harassment.

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 10-10-2016 about Consumer Loan (Installment loan) with GREAT LAKES (FL).
Issue: Managing the loan or lease

Complaint: I have a student loan through Great Lakes. The original loan amount was {$60000.00}. I 've made {$23000.00}. in payments. The remaining balance on the loan is {$75000.00}. When I make a {$260.00}. payment they only credit me with {$15.00} toward my principal. This has to be a fraudulent loan. Where can I get help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Billing disputes

Complaint: bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with Mirand Response Systems, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of a XXXX XXXX   overdraft of {$700.00}. The associate was extremely rude and used communicative tactics that were definitely out of compliance as well as bullying verbage. 
XX/XX/XXXX contacted by XXXX XXXX # XXXX employed by Mirand Response Systems regarding collection of {$700.00} overdraft. Once again the same young lady was EXTREMELY rude with her verbal tactics. She asked me questions that I answered without hesitation but was not happy with me stating I was paying the debt directly to the bank. She commenced to state " it's too early for you to be this rude ''. I hung up and called back and specifically asked XXXX for a Manager. I was forwarded to XXXX XXXX XXXX # XXXX who informed me he was not a Manager, but a supervisor. I clarified his statement by saying " A floor Supervisor is a Lead, not a Manager '' and I requested a Manager once again. XXXX XXXX  stated the Manager, XXXX XXXX, was not available and would call me back. Due to the fact that he was also tiptoeing on the line of lack of professionalism, I requested to speak to Human Resources or the individual with stature above him that was currently present and was again denied. XXXX stated that the company protocol was to speak to a manager before anyone else. When I reconfirmed there was still no Manager per his advisement so I needed to speak to a higher ranked individual, he repeated company protocol. I then asked XXXX XXXX # XXXX what date was the quoted handbook created, updated or revised he could not answer me and began to state I'm asking for information that has nothing to do with my debt. When I asked XXXX why he couldn't process my complaints, he stated a Manager has to do that which I know to be incorrect as a former XXXX XXXX in the XXXX XXXX of a XXXX XXXX XXXX. I plan on filing a lawsuit against this company in the near future as well as filing additional complaints with the XXXX XXXX XXXX and The Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I had several accounts with Paypal, personal and for my business. I had been being paid by clients who gave me their Paypal Cash account number so that those funds could be deposited to my account, and thus to my bank. Paypal had limited my account stating this was prohibited. I was doing nothing illegal and I report on my taxes as I would any revenue received from a client. I wrote Paypal and they stated my account would be limited. I spoke to a rep from Paypal who after review, released all the funds but stated the account would be limited for 6 months. It has been 10 months now and I can not use ANY Paypal accounts. I can not use Ebay as a result of this and I see that a recent class action was settled regarding limitations, however I do not know the exact details. 
I wrote Paypal asking the status and received a response that the account is permanently restricted. I do not understand this after being informed I needed to wait 6 months. They had asked for copies of my ID, a utility bill etc. and I complied with everything. Now they end their letter stating I should use some other service, in effect telling me to go away. ( copy attached ). The XXXX accounts at Paypal I am referring to are emails : XXXXXXXXXXXX and XXXXXXXXXXXX They imply I am guilty of some " scheme '' and after speaking with them, supplying them with ALL the info they asked for, etc. and their refusal to engage in a honest and forthright way, certainly speaks to their unfair business practices and potentially to violations of the law. 
What can be done about this unfair treatment. I have clients who rely on Paypal to remit to me. It is impairing my ability to conduct legal commerce. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Transunion however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Transunion and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Transunion and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, there is a tax lien public record with docket number XXXX with XXXX filed on XX/XX/2014 that was noted on my file that I have been trying for the last 5 months to get this entry removed. 

I have spoken with a lot of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 3rd dispute in which I am currently awaiting results. 

I called and spoke with a supervisor and asked from Equifax on how credit bureaus verify their public records. I want to know this information because the public record keeps coming back as verified every time. I had 5 representatives inform me that the dispute is sent as a letter to the courthouse via XXXX. Once the court verifies it, the information is sent back to the credit bureau. 

To make sure the correct information was processed, I contacted the court house and they educated me that they do not disclose any information via the credit bureaus. 

I decided to call Equifax back to speak with another supervisor, but this time they advised that the information is reported by the 3rd party who contacts the court house. 

I asked what information does the 3rd party give to the courthouse, and how & what kind of physical information does the 3rd party give back to the credit bureaus. They could not answer that request and just said its a form that they send over to the courthouse. 

I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. 

Equifax refuses to give my physical documentation that they use to verify this tax lien is mine and reporting accurately per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Payday loan () with PAYPAL HOLDINGS INC. (MA).
Issue: Received a loan I didn't apply for

Complaint: I signed up for Paypal where I entered my credit card and expected that card to be debited for all transactions where I selected the Paypal option. 
I was recently contacted by Paypal for an overdue loan through their lending services. I did NOT sign up for a loan of any kind, especially one at 19 % interest when the card I chose to debit was only at 8 %. I do not know how to get this loan canceled and the late fee taken off. This enrages me that I could be signed up for something I did not agree to in any way. There is no form with my signature, nor an application for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I ordered the Chase Sapphire card to receive the XXXX points bonus for ordering it. I was going to XXXX for a once in a life time trip. All their advertising was based around this and when using it for travel they add an additional 25 %. If you look at all their advertisements never does it say that you must book with Chase travel. I never even heard of Chase travel. Nor when I received my credit cards did I receive anything that told me I have to book with them to receive the additional 25 % off. I called twice with the same result. Each time I finally reached a manager I was Told sorry but that is too bad and that I received a booklet with my cards. NO I DID NOT! Plus they were bullies. Their is nothing wrong with the card itself it is Chase ripping off consumers. I am just sick of having no power when they did not do what they said, about sending a booklet. Once again I wonder how many people even know about their travel agency?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (NC).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/XXXX I applied for an installment loan at CashCentral of South Carolina XXXX XXXX XXXX XXXX XXXX XXXX I borrowed {$1700.00} and my payments are {$340.00} a month. I have paid back {$900.00}. XX/XX/XXXX I lost my job. I made XX/XX/XXXX and XX/XX/XXXX payments. In XX/XX/XXXX Cash Central tried to take out the payment muliptle times which incurred NFS fees at my bank in over {$300.00}. I contacted them to see what my options where due to me being unemployed and they told me they dont work with anyone no matter what the situation. I still am currently unemployed. Cash Central has continued to harass me regarding this loan and is unwilling to work with me. I also found out my interest rate is around 400 % which is illegal in the state of North Carolina which I am a resident of. I was unaware of this type of interest rate. I know I signed documents but they rushed me so that I couldnt even read anything within the fine print. I feel taken advantage of completely I am writing this complaint to say I would like the rest of the loan to be considered paid off and for them to stop harassing me with phone calls. I am a resident of North Carolina who has been a victim of a shark loan and harassment from Cash Central.

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 09-12-2016 about Debt collection (I do not know) with Specified Credit Association, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have advised XXXX XXXX with Specified Credit to cease and desist. However, she continues to call me and leave voice messages. I do not have an account with Specified Credit. I have never done business with specified credit. Therefore, they have no right to have my personal identity information. On the last call I accepted from XXXX XXXX, she was so aggressive and rude that she quickly began discussing the account she was calling about without even stating the collection mini miranda. When I advised XXXX XXXX to stop contacting me, she told me she would call me whenever she wants to. I have never done business with Specified Credit. I have never authorized any business with their company. This company does not possess the right or legal authority to contact me or remain in possession of my personal information. I am requesting that this company not be allowed to sell my personal information to disguise their violations. XXXX XXXX has also contacted friends and relatives of mine, who told her to stop calling their phone as welI, and she advised them also that she will not. She has continued to contact them ... .I DO NOT WANT SPECIFIED CREDIT, XXXX XXXX CONTACTING ME. ONCE AGAIN, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. Very, very, rude representative who has no clue of the FDCPA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: I purchased hardwood floors from XXXX XX/XX/XXXX. I have no idea what the account number is no nothing. I have been paying and all I owed was {$1100.00}. Well my XX/XX/XXXX statement tacked on {$710.00}. I was devastated! Well I tried to pay it off using my XXXX credit card and they would not allow me to do so and that they could only use my checking account. If I do n't have the extra money and I consider this credit card fraud. How would be able to pay it off with the extreme interest rate which does n't show on my statement nor does the account number. They are really using shady tactics and need to be stopped. I have never experienced anything like this before. Thanks for any help you can provide. I 'm XXXX and simply ca n't afford the extra.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NE).
Issue: Loan modification,collection,foreclosure

Complaint: After XXXX other miss informed ordeals with OCWEN Loan servicing LLC and losing nearly {$1000.00} 2-3 years ago I want to record any and all calls with them for my records. the beginning of this year I had a financial storm with my health insurance being erased and my medications that are usually less than {$10.00} costing over {$250.00} on my fixed income. not a week later the hot water tank flooded my home wiping out my emergency money and then the bank did n't follow through with their over draft protection costing me excessive fees. I had only XXXX way to get my head above water financially it was to miss XXXX months house payment until I could sell a few things to get caught up. I tried to explain my situation numerous times to OCWEN and keep them informed but they began to get belligerent and disrespectful and demanding payment. They have refused to be recorded on the phone while trying to find a solution to this situation. I went the extra mile seeking mitigation through XXXX XXXX as they did a conference call only to be told its against OCWEN 's policy to have such a call and being recorded by XXXX XXXX for their records as well as mine. Investigating my options I have run into XXXX of complaints when dealing with these rude arrogant employees including Supervisors. They are trying to force a foreclosure by sending back checks for the monthly payment that was sent in. It is in my opinion and many others that OCWEN has NO intentions of dealing fairly with the public. I have every intention of getting caught up and trying to work with them with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I 've had a Bank of America credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Bank of America was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? " No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't " the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.

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