milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Debt collection (Mortgage debt) with Real Time Resolutions, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do n't know if I completed the correct box but I truly need help with Real Time Resolutions and do n't know where else to turn. I have disputed with the company and with the bureaus and nothing has been resolved. Realtime Resolutions received an account from XXXX XXXX XXXX and even the results I received directly from the bureaus indicate the loan was transferred not sold but actually transferred. They charged off a balance as per the response in the amount of {$49000.00} back in XXXX 2011. Realtime resolutions then starts to report the account starting at 180 days past due. Not a collection account but an open account with a balance of {$63000.00}. Also a past due balance being different than the current balance. How is that even possible? If the first company charged it off then why is the second company showing late over 180 days. By the looks of my credit report they just charged it off last month. How can they hold a charged off account from one company for over 5 years then charge it off again? Then to make matters worse XXXX XXXX XXXX shows in the payment history as having a balance of {$49000.00} as of XXXX. This seems to be a huge scam! It appears as though 2 mortgages were charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (AZ).
Issue: Trouble during payment process

Complaint: I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.

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 05/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received a phone call about a collection for  XXXX , contacted  XXXX  over the phone,  XXXX  stated no account was active and or open, requested from  XXXX  written information on account, was not able to receive information, because nothing was on file. Disputed account with  XXXX  back in  XXXX  over phone service which was provide and did not meet customer approval. This collections appeared on my credit report,  Diversified Consultants INC. Disputed collections, requested a settlement agreement with paperwork over the phone in a  conversation with Diversifi ed Consultants Inc . Th is conversation took place at my home in  XXXX    XXXX  , requested paperwork to prove nature of collections either by  XXXX  and o r Diversified Consultants Inc . I was not granted the paperwork for proof of debt and or billing statement being disputed from  XXXX  and or  Diversified Consultants INC. Re questing this company removed from my credit report any debt collections, we reached at a settlement and paid on  XXXX  the amount of  XXXX  $ I was told this would be removed from my credit report, however  XXXX  could request the addional  XXXX   . And could turn this over to a debt collector. Requesting an investigation,  XXXX  who hired this  comp any Diversified Consultants Inc. To  collect a deb, I need to know this is a true collections agency seeing nothing is listed in the State of Wisconsin  . I also  want this removed from our Credit report from  XXXX    XXXX  , all debt collections seeing we were not able to receive information on billing debt from both parties. Note we have been in contact with  XXXX , and requested to settle with  XXXX  directly, however no information was on file at  XXXX , Since  XXXX  we have been disputing and requesting data from  XXXX , which  XXXX  was not able to provide, In closing I would like a response to this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I found fraud on the credit card myself and my daughter share. Yesterday I spent over a hour on the phon with 2 reps and 1 manager 2 times I was disconnected and customer twos sai they needed authorization from manager. Manager was rude and did nothing for me and she hung up on me not wanting to deal with problem. All I wanted was these charges off to file a claim and get new cards. No one cared. Is this how they conduct themselves. I do n't know what to do. HELP! XXXX and XXXX. Account ending in 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 non-monetary relief
Consumer complaint received 06/20/2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Allied Interstate at XXXX continues to want more money from me for my student loan. I gave them my account number to withdraw the amount we had agreed on, but this is the third time that they continued leave tons leave phone messages for to return their call. I do not want to keep talking to them over, and over and over again. We had agreed on an amount, and they called me back and wanted more money so I agreed and the money was deducted from my account. Today ( XX/XX/XXXX ) I called to see what they wanted because they are leaving so many messages on my phone, no one else can leave me a message. I was told that I needed to pay more money after they had re-reviewed my account with them. I had sent them my paycheck stubs, and whatever else they wanted, but they are never satisfied. I am requesting that my account is returned to Department of Education so I may returned to their forgiveness program in 10 years and they are more professional. 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 non-monetary relief
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NV).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC.  See  attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.

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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Managing, opening, or closing account

Complaint: I thought I had lost my card on XXXX XXXX, 2015, I tried to call in to have my card blocked and after being on hold for over an hour I logged into my online account from my computer and found that I could block my card myself. After blocking my card a few hours later I found my card. For the next 4 days I have been calling and calling being put on hold for hours and being hung up on I have yet to have my card unblocked. I have also emailed the company 's member services email twice and have yet to hear anything even though I was told I would have a response in XXXX hours I have a daughter who needs diapers, bills to pay and I have no access to my money because I can not unblock my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (RI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XX/XX/XXXX, my mother used my Discover card ( Account # XXXX ) for an auto mechanic purchase of {$800.00} without my knowledge. When I received my statement and asked my mother about this, she told me she did n't have the money at the time and needed to use my card and would pay me back. 4 months later, she was diagnosed with XXXX XXXX XXXX XXXX and became bed ridden and retired from work and was never able to repay me and passed away in XX/XX/XXXX. Due to my emotional stress and personal nature I neglected to report this claim and as the interest accrued over an illegal purchase discover eventually contracted to relieve me of my debt but their law office ( XXXX XXXX XXXX, XXXX. ) continued to attempt debt collection breaching the new contract Discover Card had made with me and is now attempting to garnish wages based off this false claim of debt. Discover card claims that this is a breach of their Cardmember Agreement of which I do not have a copy of nor do I have any proof of signature that I signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with Affiliated Creditors, Inc. (TN).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX called my cell phone at XXXX XXXX  on XX/XX/2018. They left a voicemail that says this exactly : " We have an important message from Affiliated Creditors. This is a call from a debt collector. Please call XXXX Extension XXXX. Thank you. '' I have 0 debt in my life, and I have never had any form of income. I am a XXXX XXXX with no debt, and these people should not have my number at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: halsted financial services, keeps calling XXXX to XXXX times a day attempting to collect a debt, but i have not receive any mail about it, i refuse to give my ssn or any other information over the phone with the till i receive something by us postal service. i would like the calls to stop and my name and information removed from there system, and if they have affected my credit i would like that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with ASTA FUNDING INC. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account has been passed from one collection agency to another. The lastest one is Palisades Collection LLC. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with KEYCORP (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When I opened my account it was XXXX XXXX XXXX. Years later it switched to key bank. The whole transition was a mess. 
They do not stand by what they claim There is a major disconnect in the branches. When you have a banking issue the branch will tell you to call customer service and when you Do they tell you to go into The branch. Mobile deposits get delayed And charge you a over draft. Even when it clearly states if made before XXXXXXXX XXXX there avliabe the next day. I've called and spoke with customer service several times where they adjusted my account for this these issues. Only to have the fees hit my account a day or two later. 
They held one deposit I made at a branch for XXXX days claiming I signed something that acknowledged that. But never showed proof that I did so. 
After countless emails and calls. Over drew my acccount and charged me ovef400 in fees. 
You can never get a hold of anyone, there no chain of command to calll over issues I feel like this bank will hold your deposits or delay mobile deposits to cause your account to be charged over drafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: Dear staff, I recently opened a PayPal account online, also formerly known as XXXX XXXX XXXX. I was approved for this account right away after applying for PayPal online account. When I tried to use me card my purchases would not go through, I called PayPal and they said they see I tried to make a purchase for XXXX at XXXX for toothbrushes. The agent stated since it was a new account I should try another store, unfortunately that did not work either, I made another call and the second agent said maybe the system is trying to determine if it's really me. 

I checked my account the next day and noticed that all my credit was done and the account was closed. I called PayPal and they said that they found an account in my name from XX/XX/XXXX '' which was fifteen years ago. They said I opened a XXXX XXXX XXXX account, which in fact I never had any accounts in XX/XX/XXXX. I reported this account as fraudulent to them and explained I never had or opened any accounts in the name of XXXX XXXX XXXX. I asked the agent what it was for, they told me they did not know and that can't see that far back. I then asked were it was opened again they did not say. I did ask for the amount that was in question the agent stated in or around a XXXX Dollars. Again I reported this as fraud and told them I never opened an account. I then asked for an account number so I can report a fraud claim, again they did not have one. The agent stated that she will submit the fraud to their back office and I will get a letter in the mail if it's in my favor. Unfortunately I can't report a fraud claim since I do not know what it is I am reporting. Secondly I never had a bill me later account that I opened. She then asked me if I know anyone that could have done this. I told her I was a student and had many roommates living with me, I could not confirm if someone stolen my information since this is 15 years ago. I checked with all the credit burues and they all checked their archives their is no documentation of any account in said names. 


I was approved for a XXXXDollar credit line and I want my credit back. Since this is fraudulent and I had not opened this account 15years ago. 

According to the FCRA accounts that are that old should have been deleted, other than child support or other federal loans. This was also mentioned that it was illegal to use an account that is a retail account from 15 years ago. I also reported all known addresses and phone numbers to the agent and she said none of them matched what she has. I also am on file with the three credit burues and they have all my address since XX/XX/XXXX. 

I am requesting that my account be reinstated effective immediately. 

I am also notifying the District attorneys office. And the BBB. I will also seek counsel since this is a fraudulent account and consumers have rights under the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX  gave me transunion, and then failed to give me  XXXX  or  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 02/15/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio recovery. Calls once a week for the past year. I do not owe them anything. They call from a different number every time they are XXXX and many lawsuits have been filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I signed up for a Capital One 360 Money Market account on XX/XX/XXXX with the " XXXX '' promo code welcome bonus offer, which gave a {$200.00} bonus upon deposit of {$10000.00} into the savings account. 
There were a few problems with setting up my external bank account, which took a few days to resolve, and then I was able to transfer the money by XXXX XXXX, XXXX. 
They promised that the bonus money would arrive within 3-4 weeks, and that there was no minimum deposit length requirement. 
However, the bonus still has n't arrived in my bank account, even though I entered the promo code, was targeted, and should have received the bonus by now.

Company response to consumer: Closed with explanation