milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection file*Time since delinquency is to recent or UNKNOWN*Number of accounts with delinquency*Lack of recents revolving account information*Number of recent inquires on credit report. *Credit score XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with PlusFour, Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!

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 02/13/2017 about Student loan (Federal student loan servicing) with The Regional Adjustment Bureau, Incorporated (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I obtained several student loans to attend school. I defaulted on these loans after graduation. The loans were transferred to Regional Adjustment Bureau , Inc. ( " RAB '' ) who began contacting me in XXXX. In XX/XX/XXXX, I entered into a loan rehabilitation program with RAB. I made a large down payment in month XXXX and then made XXXX more consecutive on-time payments. On XX/XX/XXXX, I completed the loan rehabilitation and the loans were sold to a creditor. RAB provided no information on the individual loans. Instead, they provided a single amount owed and treated my situation as if I had only XXXX consolidated loan. 
After the rehabilitation closed, I was not provided any information by XXXX as to where my loans were going to be transferred. I was contacted by XXXX as my new loan servicer. So I began making payments to XXXX in XX/XX/XXXX and have been on-time ever since. 
In XXXX, however, I was contacted by a debt collection agency stating I was in default on XXXX of my loans. After reviewing the Dept. of Education 's FSA site, there was indeed a loan in default. XXXX had no record of ever receiving this loan from RAB. RAB has not returned any of my emails and calls seeking information as to where they sold the loan in question. However, it is clear that RAB failed to properly transfer my loan. I was never notified by RAB or anyone else as to where the loan was transferred to. I never received a single letter or phone call about the loan until XXXX. In short, my loan was 'debt parked. ' As a result of RAB 's failure to transfer the loan properly, failure to provide me with any notice of transfer, and failure to provide an accounting of loan balances, I was given no indication of a pending problem and the loan has incurred immense interest charges on top of the capitalization of interest originally agreed to with RAB in XXXX. 
In summary, RAB has greatly harmed me through its conduct. RAB capitalized its high collections fees into my loans, failed to properly transfer XXXX of the loans, failed to notify me of any transfer of the loan at issue, and failed to provide detailed information as to where the loan at issue was transferred. It is not clear what happened to the loan at issue, but it clearly " fell through the cracks '' after RAB 's failure to properly transfer. As a result, interest has accumulated for years without warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (IN).
Issue: Customer service / Customer relations

Complaint: I had an issue with a customer service group at the number listed on the back of my credit card. The rep could not resolve my problem, so I asked for a supervisor, which I was given. The supervisor did not resolve my issue. I asked for a manager. She refused to pass me to a manager. She stated she was the highest level of authority I could speak to. I asked for a corporate phone number. That was refused. I was given a physical office address to write and snail mail a complaint to. I contacted directory assistance, and the number listed for that address rings fast busy all day ( on purpose ). I tried the web site. No phone numbers or addresses are listed on the site. I tried their live chat on the site. The representative could only refer me to the original customer service number. I am wondering if my only recourse is to cancel the card. My issue is that despite having had the card with the company for XXXX+ years with an impeccable payment history, each payment over {$500.00} has a XXXX day hold placed on it, despite the method of payment. My payments were EFTs, and therefore immediately transferred. The EFTs are also being held. Based on the customer service reps ' responses, it appears they are doing this to all customers. I understand the bank may be concerned with bad checks and are initiating a hold. However, on customers with clean histories? On customers paying by EFT? On all their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was a loyal Best Buy credit card holder for years. I used my in-store credit to make purchases at Best Buy, which also let me pay with no interest on certain items, very handy. Last year Best Buy, in conjunction with  Citi, enabled these Best Buy in store cards to morph into a credit card. Here lies my issue ... .no action needed on my part. So, after forgetting about the issue, my card turned into a Citi Visa able to charge wherever Visa accepted.  So of course I used it ... my interest rate is 24.99 %. I find this wrong, in that, by letting them use the no action on my part, to constitute permission, to turn my in store card to a credit card usable anywhere. Here, guy with a drinking problem, here is a bottle of  XXXX   XXXX , you do n't have to use it, but feel free to if you want to!!   This should be illegal ... ONLY with a customers consent should they have been able to do this switch, not just because of inaction on my part. I would have done nothing otherwise. My credit is good, I have no issues paying for this ... but, its wrong. Wrong on top of wrong. Doubt guys at  XXXX   XXXX  thought much of what they were doing at the time as well.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. 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 08-12-2016 about Consumer Loan (Personal line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the line of credit

Complaint: Loan company applied payments to credit card, not auto loan. Auto loan in default because of this. Payment check referenced the last XXXX numbers of the auto loan ( as it was on the billing statement ). USAA, with whom I have both a credit card ( in default/very late as payments were insufficient ) and an auto loan, refuses to credit the amount to my auto loan. I expect soon to have my car repossessed, though I should have been current with payments. ( I stopped making payments the last 3 months while the USAA was supposed to be sorting this out. Now when I call and I get placed on terminal hold, such as 20 minutes today without anyone picking up after my call was forwarded. Online logs me off repeatedly when trying to get my information, noting that I have unresolved charges. This evening, when trying to gather documents for this complaint, I have been unable to access the information online. When I actually got to speak to people initially ( months ago ), they noted that no payments were shown on my accounts and that obviously my bank was in error. Then, when I pulled up the cancelled checks, the person insisted, as if it was an acceptable explanation, that they have XXXX checks that they process each day. They refused to forward the documents for this issue, insisting I can get them online. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls

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 10/13/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX is attempting to collect on a debit they purchased from Capital One. They claim the account number from Capital One is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with Capital One ended in XXXX. I paid the account in full XXXX of 2013. Capital One failed to properly record my payoff. Capital One tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to Capital One 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). Capital One 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet Capital One sold XXXX of the accounts to XXXX. How many times must I be harassed over a paid account? 
I wrote XXXX after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If Capital One 's counsel failed to notify Capital One of the law suits outcome and or Capital One failed to notify Portfolio that is not my problem. 

XXXX has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Elite Financial Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This letter is a formal complaint against Elite Fin, a collection agency located in XXXX, Mo. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I ca n't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Advertising and marketing

Complaint: I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with MORTGAGE CLEARING CORPORATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.

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 02/16/2016 about Debt collection (Mortgage) with Meridian Financial Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.

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 01/19/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I ( XXXX XXXX ) contacted Ad Astra today XX/XX/2018 at XXXX to attempt to settle a debt. I am not acknowledging the liability of this debt. I spoke with a rep and she stated to me Ad Astra never sent validation of this debt. The rep stated I have the company on do NOT contact which I have never done so, therefore they ca n't validate the debt. The company admitted to not being able to validate this debt. Under FDCPA and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. This debt needs to be removed immediately from my credit file ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is my third time cashing a check and every time its been an XXXX. This time theres a XXXX hold on my account when I dont use it to pay for anything just put money on. I even had XXXX cents to show no pending nothing. I signed the back like I always do and theyre playing with my time, patience, and money. If wells doesnt get their XXXX together Im going up legally. XXXX this back and forth XXXX idc the time it takes, people work hard for their money and to turn around and have something that should be available 24/7 with no problems XXXX with you lol. XXXX Wells Fargo for XXXX with people lives and money XX/XX/2018 XXXX is what I deposited with my signature on the back!

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 08-02-2017 about Debt collection (Other debt) with Miller Davis & Peoples (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXXat XXXX i received a call from an unknown number, Unknown number left me a voicemail. " XXXX '' left me a voicemail claiming i owed someone money and i had 24-48 hours to resolve it. Did not say what company she worked for only number to call her back with questions ( XXXX ) XXXX XXXXXX/XX/XXXXat XXXX " XXXX '' called and left a voicemail again claiming she was going to come to my work/residence to drop off a subpoena in 2-3 hours and left the same number for any questions.
XX/XX/XXXX at XXXX i called the XXXX number and " XXXX XXXX '' answered and claimed i owed a debt to XXXX XXXX from 2009 that i had to pay that day. She asked for my birth date or social security number. Foolishly, i gave her my birth date. She read off my social security number, which was correct, asked if it was correct and i said " Mhmm '' She said if i did n't pay off the debt today, XXXX , i would have to pay XXXX $ after all the lawyer fees and what not. She gave me her number to reach her at with any questions ( XXXX ) XXXX XXXXXX/XX/XXXXat XXXX I called the XXXX number and XXXX XXXX answered, but different voice, answered the phone. I asked her who she works for and she responded with NAS National Arbitration Services and i hung up the phone Yes, i am gullible

Company response to consumer: Untimely response