milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advantage Collection Professionals, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX was informed properly that I would need my internet/ communications service disconnected at my apartment in XXXX XXXX XXXX XXXX , XXXX the end of XXXX XXXX. I settled my debt to end of XXXX XXXX and double checked that they everything tied up on their end since I moved to XXXX XXXX, XXXX end of XXXX XXXX. XXXX continued to draw from my account every month until XXXX XXXX when I finally had my accounts switched at my bank. I was undergoing XXXX treatment from XXXX XXXX - currently and while I was getting my finances in order I noted this unauthorized withdrawal. I spoke with XXXX XXXX XXXX again and it was " cleared up '' although they refused to return the 1.5 years of unauthorized draws on my account. XXXX XXXX I was made to believe that it was all taken care of. I never received a bill, phone call, email or any communications that there were any problems with my account and that I needed to do more. During XXXX XXXX XXXX - XXXX XXXX I moved back to XXXX at XXXX XXXX, near my family again for support. I again went with the only internet provider XXXX XXXX XXXX. They ran my information and I was given an account. They again reassured me that my past account from XXXX was closed and fine. When I moved after the end of XXXX XXXX back to XXXX XXXX XXXX XXXX, I was very through about making sure that my account was paid in full and closed with XXXX XXXX XXXX, again checking both accounts. I never received a bill, phone call, email or any communications that there were any problems with my account. 
This XXXX I received a threatening phone call from a collections agency ( XXXX and Advance Collections Professionals ) telling me that they would ruin my life if I did n't pay my debt and I should know what they mean. I had no clue what they were talking about and figured it was a wrong number. After a few very scary calls I finally got enough information that it was about XXXX. I immediately called XXXX XXXX XXXX to double check both of my past accounts which I had been informed were in good standing ( closed and paid in full ). XXXX XXXX XXXX assured me that they both were and that they would contact the collections agency to clear it up. I recently found that my credit score went from XXXX to below XXXX because they posted it on my credit that I have an outstanding bill from XXXX for XXXX XXXX, which I was living in XXXX XXXX and had already closed out my account with XXXX XXXX XXXX in XXXX XXXX. This is very frustrating and I feel helpless with this company basically saying " what are you going to do about our unethical behavior ''. I hope you can 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 03/22/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 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 status incorrect

Complaint: i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Checking or savings account (Checking account) with FROST BANK (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Once again Frost Bank has overdrawn my account, 3rd month in a row! You hae done nothing to assist me and you allow them to continue stealing from a XXXX person! My account is XXXX, 2 checks {$230.00} + {$140.00} we're sent to the same credit company on the same day XX/XX/2018. 
I did not authorize and once again XXXX Mgr is involved, this is delibrate! Againist the Law. I want my money back immediately cause I won't sop here I assure you and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I am getting frustrated with the lack of updates and transparency within the short sale process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XX/XX/XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XX/XX/XXXX 30 day late via XXXX 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XX/XX/XXXX and XX/XX/XXXX ). XXXX, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XX/XX/XXXX ; I had XXXX credit product, a XXXX card ( " loan '' ) displayed on my XXXX credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XX/XX/XXXX, and just recently ( XX/XX/XXXX ), Pentagon Federal Credit Union ( " XXXX XXXX' ) bought XXXX XXXX XXXX ; However, XXXX STILL shows the XXXX account as XXXX XXXX ( XXXX never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 'My accounts ' page included my savings account and I would pay my XXXX by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided that documentation ( " transaction record '' ) to XXXX showing this activity for XX/XX/XXXX AND XX/XX/XXXX, through XX/XX/XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX FCU has supplied XXXX with incomplete, erroneous, and contradictory information, yet XXXX continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XX/XX/XXXX thru XX/XX/XXXX. The account was closed XX/XX/XXXX, yet XXXX is reporting that it was closed in XX/XX/XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.

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 01-09-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to get portfolio recovery associates to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to portfolio recovery, there 's is no way for me to contact XXXXl XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX 's responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from XXXX  XXXX I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I missed a few payments on deadline due to not getting the notice of due payment. XXXX XXXX penalized me with the late payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b  y the   XXXX   XXXX   XXXX   on  XX/XX/XXXX . They (   XXXX   XXXX   XXXX   ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with   XXXX   XXXX   XXXX   management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.
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Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!
<P/>
  XXXX   XXXX   has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.
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This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on  XX/XX/XXXX , XX/XX/XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my 47 years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at   XXXX   XXXX   XXXX   repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month ( if not years ) down the road.
<P/>
So, as in my case, TWO hard inquiries were done on my card by   XXXX   XXXX   XXXX   within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (MI).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: Credco did a hard pull without my consent. I have been working with 2 companies for debt consolidation and receiving many calls. I never spoke with anyone from XXXX but they are affiliated with a company I did get a hard pull from and declined an offer. After declining the offer 6 hours layer XXXX, a subsidiary did a hard pull. I had not gone through the full process with XXXX or XXXX ... idk, A micro lender I have a debt with and am trying to consolodate. I never signed the final stages, just doing preliminaries. I found a much better offer. I am closing. I did chat with another lender, assured we were browsing. My credit WAS GREAT, now feeling retaliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Other bank product/service) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Making/receiving payments, sending money

Complaint: I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Money Gram Money orders. Money Gram claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Money Gram and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Money Gram States on the back of their check, Not good after one year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Billing disputes

Complaint: We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we " owed ''. We have paid the additional {$25.00} to keep our account current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have reached out to this company via certified letter asking for debt validation in which this company has not responded to my request. I sent the debt validation letter on XX/XX/XXXX and again on XX/XX/XXXX with no response either time. I have no knowledge of this debt. I have no signed contract with this company nor do I have any signatures or receipts from this company. They have not responded to either request for validation. I am being denied credit because of this inaccurate information.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Payday loan () with Enova International, Inc. (OH).
Issue: Can't stop charges to bank account

Complaint: I have contacted the loan company i went thru for a payday loan. The companies name is CashNetUSA. I sent them an email telling them I wish to exercise my right as an Ohio resident and defer the payment as well as " I revoke my authorization to debit my bank account ending in ( insert last XXXX bank account number ) and debit card ending in ( insert last XXXX numbers of debit card ''. The company responded to me saying they do not legally have to revoke the authorization and that they can charge my account until the loan is paid in full. I told them I did n't have the money at the time and do n't want charges for overdraft and bounced check. My bank is first merit which is in Ohio. I also contacted my bank and their response was that there is no pending charges at the time. If I wanted to I could pay {$33.00} to issue a stop payment against the company. That should n't even be necessary as I said specifically I was revoking the authorization. Also let it be known, the contract I signed had nothing stating I could or could not revoke the authorization. The company is playing games with loopholes and violating my rights.

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