milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2018 about Debt collection (Credit card debt) with Second Round Limited Partnership (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed my XXXX 's account in XX/XX/2012 after returning faulty bedding, XXXX 's drivers abandoned said bedding on sidewalk in front of my XXXX apartment, which is illegal in XXXX, and I had to pay {$500.00} to immediately have removed by a third party so that my landlord and myself would not be ticketed and fined. I contacted XXXX 's corporate numerous times as they stated bedding was not returned initially and double charged me. XXXX 's corporate stated they would refund me and credit my account an additional {$500.00} for my cost to haul away bedding, which their drivers were supposed to do. I paid off my account and XXXX 's then changed from XXXX to XXXX to XXXX and now XXXX XXXX XXXX as well as being bought out by XXXX XXXX, now a collections company is stating I owe {$2400.00}. 

I would like to see itemized bills and receipts showing all purchases, all returns, the credit for the returns as well as the {$500.00} credit to reimburse me for removal of bedding from outside my apartment building, as well as all fees charged and all interest charged. I require itemized bills with my signature and all receipts and refunds separately and itemized.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Credit card debt) with Frontline Asset Strategies, LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My present employer is XXXX XXXX effective XX/XX/2014. Also NEVER had a credit card issued with " XXXX '' as middle initial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is from a disputed debt back in 1993. It has been sold and resold. I have called them and they continue to attempt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX, sent a notice of deletion to all credit bureaus on acct # XXXX XXXX the merchant. experian has it under partial acct # XXXX. since the date of letter from XXXX XXXX to experian dated XX/XX/2017, experian has failed to delete this account, in violation of federal consumer laws.

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 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Application processing delay

Complaint: i am an XXXX and have an excellent credit score. ( @ XXXX fico ) with greater than 10 years of credit history. i have applied for a citi credit card attracted to their double miles promotion. 

they have been sitting on my application for more than a week. when i called the agent tells me that application is still pending in a department, that can not be reached by anyone. 
she suggests my only option is withdrawing the application. with a credit enquiry already posted to my history, i am very much interested in the reason they have been sitting on my application. 
regardsXXXX XXXXXXXXXXXX credit application no. XXXXdated XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had XXXX XXXX loans. I paid both loans - all the coupons that I had for these XXXX loans - paid in full in XX/XX/XXXX. 

last year, XX/XX/XXXX, Navient told me that I had unpaid balances. When I asked how that could be, they said their were not notes entered into the XXXX loans that said these were paid in full ... therefore they charge 3.5 interest rate and I am paying XXXX per month for XXXX balances, XXXX for XXXX and XXXX balance XXXX to date I have made 11 payments of XXXX {$1100.00}. 
I get at least one call every week, they leave a message and say call us, we can help you with your loans ... I get a letter once or twice each month saying I am late with a past due balance fo XXXX ... ... I have XXXX coupon here due the XXXX of XX/XX/XXXX ... as they created coupons for me to pay each month ... as of XX/XX/XXXX - they said I have a principal balance that is XXXX ... .this amount not paid off until XXXX. 

please call me ... .I received no notifications from XXXX saying that my loans were not paid off in XX/XX/XXXX - but last year XX/XX/XXXX, Navient sends me bills for unpaid balances. 

XXXX XXXX XXXX, Co XXXX XXXX - cell

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Balance transfer

Complaint: On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EXPERIAN to remove negative credit reporting activities of XXXX XXXX, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EXPERIAN has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by XXXX XXXX ) subject to public access. I, the consumer, offer this affidavit to EXPERIAN for the refusal to remove negative items/accounts from the consumer 's credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information in regards to the accounts being reported.

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 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking 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 non-monetary relief
Consumer complaint received 03-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Bank : XXXX XXXX XXXX via Synchrony Bank Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$810.00} to be financed interest free for 24 months. 
Bought a XXXX XXXX for the XXXX XXXX on XX/XX/XXXX for {$25.00}. 
I made first payment of {$40.00} ( req minimum payment was {$34.00} ) Paid XX/XX/XXXX Due XX/XX/XXXX. 
XX/XX/XXXX statement shows XX/XX/XXXX purchase of case. States Min payment due was {$35.00} due XX/XX/XXXX. I paid {$40.00} again on XX/XX/XXXX. On XX/XX/XXXX, I was assessed a {$2.00} minimum interest fee. 
- I thought by law they had to allocate the payment to the most recent due debt to minimize interest? 
- There was no disclosure that I had to pay {$34.00} + the purchase amount of {$25.00} in order to avoid interest. ( Or I would have! ) After two attempts at their " chat '' service and about 45 minutes, I was able to get the charge reversed ( all be it they said it would take three days to reflect o my 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 monetary relief
Consumer complaint received 03/19/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: The items that are on my report are false

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (CA).
Issue: Problems when you are unable to pay

Complaint: Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Struggling to pay mortgage

Complaint: I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company is calling my cell phone number and home phone. I answered one call and was asked to provide personal information. I inquired about what the call was for and the company refused to state on what debt they were trying to collect for. Once I refused to provide the information, the caller abruptly hung up while saying I should check my card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Due to losing my job we have had to apply for a customer workout to try and keep our home. 
Having never to go through this before, I filled out the paperwork and on the paperwork it indicated approximate and verified. I did not fill out the verified amount because I sent in all our bank statements. I thought the bank will verify the actual total. We were given a ridicously amount to payback, I spoke with their representitive XXXX ID XXXX and was told that is the amount we need to pay to keep our home. I asked how is it possible for a family of XXXX to live on {$500.00} left over a month. I said I can not even buy food for that amount. He said I did not list spending any money for food. I advised that I thought they would verify the amount from our bank statements and he said no. I said isnt that a little ridicously to believe that a family of XXXX would not spend money on food? He said no for all he knows we grow our own food. I said that is far fetched he said its my fault I did not feel out the verify amounts. I am furious that I have been calling and calling to give all information needed and have been trying to get this resolved to no avail. M and T received XXXX XXXX in tax bailout money and they will not help with an FHA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Home equity loan or line of credit) with BMO HARRIS BANK NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: BMO Harris Bank XXXX, WI XXXX reported {$4.00} late payment on my credit causing it to drop 100 points. BMO Harris was contacted via phone on XX/XX/2017 and could not give a detail of where this information came form. I was transferred to a Dispute department and they sent me a dispute form to fill out.

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 08-09-2017 about Checking or savings account (Checking account) with F & S Financial Marketing, Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX I noticed on my report a debt for {$510.00} on my credit. I sent XXXX several certified letters to settle or even validate the debt. I contacted the company and e planned that this debt from XX/XX/XXXX is from someone stealing my debit card and fraudulently using - I told the rep I signed an bank affidavit. rep stated unable to validatedbor bring my account information up in the system due to the age.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am getting really sick and tired of Wells Fargo. I had a dispute open for 6 months and they finally decided that I was resposbile for fraduelent charges ... I decided to go ahead and throw away my money and give them the min amount. I really wouldnt like to pay this bogus account, but in order to protect my credit, im going to throw away my money. almost 1,000 dollars worth of my hard earned money. BUT NOW, I cant even log into the account .... this is really annoying. And wells fargo keeps calling me to make payments!!!!! I told them i made a payment .... 

I am getting sick and tired of wells fargo stealing my money, but because my credit is more important, Im going to go ahead and give my money away to wells fargo ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello I was involved in auto accident in 2007 a ( fender bender ) and that person named XXXX XXXX ran to the courts filed a {$500.00} lien against me right away. He argued his case in court against my insurance company and lost. I still show a public record on my credit for absolutely no reason

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: It has been its longest while since American Express has been refusing to comply with my request of replacing my card. American express has been notifies of my account being compromised and dispute charges mentioned. American express has denied to comply with my request nor did Amex replace my card. On top of all this, Amex has not yet resolved my issues with BlueBird Amex account. Their discriminative approach and racist actions are limitless. 
Appropriate proof will be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Benuck & Rainey, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Collection company representative repeated threatening legal action and negative credit reporting as well as seizure of company property in collection attempts to collect a debt that we do not owe. Collection representative will hang up the phone when we try to dispute and explain. Collection representative gathers personal telephone numbers and home address and send harassment calls and letters to personal home address when the issue is related to a commercial non-personal debt issue. 
Collection representatives are bullying us into paying what we do not owe. They are using information obtained from us verbally by phone using incorrect information to demand added premium on an insurance policy that has expired and paid in full according to terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation