milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me 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 02/24/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: On XXXX XXXX 2016 Synchrony Bank ( toys r us ) took {$69.00} from my bank account without any authorization whatsoever. Upon confronting them about this they informed me that they will refund the {$34.00} overdraft fee that I will incur from my bank by paper check in 2 to 3 weeks. But they refuse to refund me the {$69.00} that was stolen from my bank account. They just keep repeating that they " cant '' refund what they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Federal Tax Lien Docket # XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$550000.00} State Tax Lien Docket # XXXX XXXX {$100000.00} State Tax Lien Docket # XXXX {$25000.00}

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 07-12-2017 about Debt collection (Medical debt) with Professional Bureau of Collections of Maryland, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.

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 05-10-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Credit line increase/decrease

Complaint: Earlier this month, I set up an electronic payment from my primary checking account to make a payment on a Citi Visa card prior to the due date. I then received an email letting me know I had a secure message online ( after the due date ). I logged into my account and found a letter ( PDF ) stating that the payment was never made. In this letter, Citi had my correct routing number but my checking account number was missing XXXX digit. To correct the issue, I first tried to re-enter my correct checking account information, which Citi would n't accept since they said they already had this checking account on file. I then tried to delete the checking account information to re-enter it, but I was locked out from making changes to my banking information online. So I then contacted Citi again asking them how I should proceed. I then received another email letting me know that there was a secure message online. But when I logged into my account this time there was no letter ( PDF ) or electronic message. I also noticed that I was assessed a {$25.00} fee ( for a returned check ). And, just now, I received an email letting me know that Citi reviewed this account and lowered my credit limit by more than {$1000.00} to the point that this card is essentially maxed out. 

I feel like I am either being punished for noting an error on the part of Citi that they are trying to cover up. Or that Citi used this error ( or prompted this error ) to create a situation where I would unknowingly be late on a payment just to lower my credit limit and thus negatively impact my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new one or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? Previously XXXX wanted {$900.00} - it feels like I am being held hostage to some outrageous unknown extortionist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Experian on an inaccuracy back in XXXX. I have yet to get a response and this dispute was with regard to a public record that is preventing me from getting a loan. I sent in proof that the account was taken care of. Actually the account was entered in error to start with. I need this taken off of my report so I can move forward

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim of identity theft XXXX 2017. Since then I have twice faxed information to Equifax in order to place an extended fraud alert on my report.
<P/>
Neither time have I heard back from Equifax.
<P/>
I am attaching the documentation that I have faxed twice to Equifax.
<P/>
Thank you.
<P/>
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: caller asked wife for XXXX XXXX, she asked if they had his address, man said yes that he mailed something and this is why he was calling. She told him to not call, he said he would call back and hung up on her. he called right back, she did not answer and he did not leave a message. While filling this out he called again, did not leave a message. That is 3 calls in 5 minutes.

Company response to consumer: Closed
Consumer complaint received 02/16/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (IN).
Issue: Credit decision / Underwriting

Complaint: We were working with XXXX XXXX to obtain a home mortgage where we were working to close on XXXX/XXXX/16. On XXXX/XXXX/16 the loan was denied. The reason given was my spouse was on XXXX and her income was not stable after returning to work, with the same company she was been with for 17 years. She returned to work XX/XX/XXXX and has been working full time since then. Therefore they would not use her income for verification of the loan process and we were denied. During her leave the Union created a new agreement where the pay was increased. We were told it was such a significant change that they can not use her income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do n't know them it 's 7 years ago I do n't know what  to du

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed by XXXX to submit a letter to request a postponement of my foreclosure. This letter was faxed by a non-profit housing counseling agency, XXXX, on XXXX/XXXX/XXXX. Later I spoke with Ditech to check on the status of my postponement and was informed that this letter was not reviewed and no assistance was granted because there was no packet to review. This is contradictory to what I was informed and has prohibited me from pursuing much needed mortgage assistance. I spoke with Ditech on XXXX/XXXX/XXXX and requested a reinstatement amount as of XXXX/XXXX/XXXX I still do not have this figure. It seems as if Im being given the run around and I am only trying to find a resolution towards saving my home. I believe that proper communication and accurate information is not being shared, unfortunately to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (I do not know) with Enova International, Inc. (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.

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 08/21/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Spoke with the supervisor. She spoke down to me, disrespected me, and raised her voice to me. All i had asked was to negotiate a settlement on a debt and she went off. " Why do you think we have to settle you? Do we owe YOU money? No. You must pay bills in full. " She has trained all her staff to treat people the same degrading way. It is a disgusting company. 
I will not do ANY business with company. I will not be the one putting food in that pigs mouth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NH).
Issue: Money was not available when promised

Complaint: I attempted to remove my money fro m Coinbase but w as not able to.     On   XX/XX/XXXX , I m oved   XXXX   from my "  Vault '' account to my " Wallet ''  account. After attempting to send this   XXXX   to a service ext erior to Coinbase on  XX/XX/XXXX , I was inform ed that for my protection the transaction was delayed . Coin base  notified me that if I verified my account the transaction would verify instantly.     I verified my account and now the transaction remains pendi ng over 24 hr later. T hey are intentionally withholding my bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I first found the collection company reporting on my Equifax credit report. I disputed it with Equifax on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my Equifax Report. I am requesting that XXXX be removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I 've opted out a long time ago and just now got an offer from Capital One today

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I was informed that Equifax has allowed a hack of my person information including social security number, name, address, and other critical data that can be used to steal my identity. 

I used their website to find out if I was affected, and they confirmed it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.

Company response to consumer: Closed with non-monetary relief