milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Closing on a mortgage

Complaint: I recently received a notice that my mortgage payment would be increasing monthly by approximately {$300.00} due to an increase in county taxes. I called USAA for clarification on the significant increase in escrow, and was informed that it was due to the county taxes increasing. She believed the seller may have received tax credits that I 'm not eligible to receive, thus accounting for the difference. However, I called USAA again and spoke with another representative who confirmed that the taxes calculated at closing only included the semi annual amount, and that amount should have been included twice since XXXX XXXX taxes are semi-annual. She also confirmed that this calculation was a significant error and thus my closing disclosure was not correct. I asked if USAA 's loan processor, underwriter, or anyone involved with the bank should have checked these figures prior to closing, or soon thereafter, since ultimately USAA is the loan originator and servicer, and she informed me that it 's a title company issue. Due to the drastic increase in the monthly amount that I 'm now responsible for, I 'm filing a complaint as I believe this is a violation of Regulation X and TRID. Given the impact this will have on my monthly payments, this appears to be an egregious violation of Regulation X and TRID due to an incorrect escrow calculation, incorrect closing disclosures, and an extended amount of time that has elapsed since the error was made, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About 6 or 7 months ago, I began working at a company called XXXX. This company did door to door sales, for XXXX and XXXX. The company would hire employees on ( based on their will to work XXXX when employees would make sales -- the company would take you out of state on what is called a " spiff '' to reward you, and get you to sell their products in that state. After i realized XXXX didnt have the cleanest sales, nor wer they working with me personally to do better -- i decided it was time for me to quit and get a real job. XXXX XXXX that paid hourly ) I had made XXXX sale the whole time i worked there, it was TO MY MOM. I switched her to XXXX. NOT ONCE, did i ever go on a said " spiff '' with ikonik. They are trying to charge me for hotel fees, and travel fees -- and may i repeat I NEVER TRAVELLED WITH THEM. NOR did i ever stay in a hotel with them. They began to repeatedly call me and eventually threatened to send me to collectons in a voicemail, to which i got very angry. And spoke with them to explain it was NOT my debt. I never travelled with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with PNC Bank N.A. (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I placed a call to PNC bank which is the provider of my XXXX XXXX prepaid debit card. I called in order to launch a dispute over a charge that occurred on XX/XX/XXXX in the amount of {$390.00}. I was told that the process could take up to 45 business days and that a provisional credit would be credited to my account within 10 business days if they determine the dispute would take longer than that to resolve. Since that day I 've called multiple times in order to receive status updates and have been told nothing has been done yet with regards to the dispute. 

I once again called today XX/XX/XXXX and I spoke with XXXX in the disputes department at approximately XXXX EST. I was informed by her that the process of investigating the dispute is still on going and that I would not be receiving any provisional credit within 10 business days like was previously stated. I informed her the 10th business day would fall on the XX/XX/XXXX due to holidays and that I had been told by that day I would receive a provisonal credit if the matter was still under investigation. XXXX then informed me that she was told by another associate ( perhaps a supervisor ) that on the XX/XX/XXXX they would mail out a letter to my home address stating the decision theyve reached with regards to the dispute and said letter could take another 7 business days to reach me. I again asked about the credit and was told that I would not be receiving that provisional credit. I  informed XXXX that said act is in violation of the terms of service of my PNC XXXX XXXX card and goes against federal regulations with regards to disputed charges and the legally allotted time for a credit or decision to be determined. 

It seems that PNC bank is willfully violating federal regulations as well as their own terms of service contract with their clients in this instance myself. I am attaching a copy of the PNC XXXX XXXX terms of service which clearly indicates that PNC will issue credits within ten business days of receiving a dispute.

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: Equifax leaked my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I sold merchandise to a consumer. However, just days before taking delivery of the equipment, the person made a fraudulent credit card chargeback request and THEN took full delivery of the merchandise as if nothing had happened. 

Subsequently, I informed that buyer that I was filing a lawsuit against them for fraud. The buyer then called Chase Bank back and informed then to rescind the chargeback request and his purchase was indeed valid. Chase Bank informed their client that the matter had been resolved as of XX/XX/XXXX. Yet Chase Bank has refused to put the {$15000.00} back into my account. In effect, Chase Bank has stolen my money!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with CITIBANK, N.A. (NH).
Issue: Closing/Cancelling account

Complaint: I have had a Citi credit card since XXXX ( almost XXXX years ). In those XXXX years I have built up my credit history and have maintained a pristine record. I was a consistent user of the Citi credit card for over a decade until their level of service declined, their interest rates went up and I decided to use other cards. I have occasionally still used my Citi card, but not as consistently as before. A few days ago I received a letter from Citi informing me that they were terminating my credit card as well as the credit line associated with it. This damages my credit availability and my credit history ( since this is one of my oldest credit relationships ). I would like to have my credit card reinstated under the old terms ( prior to the unilateral cancellation ). I do not want to have my credit report pulled for the purposes of reinstating my account as this lowers my credit rating/FICO score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Managing the loan or lease

Complaint: I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.

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 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX TX XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dispute because I have never done business with this company. I also have your letter that violates the FDCPA and proof that you would rather keep sending this letter with the violation rather and pay the damages to consumers since you make more money off the letter than you pay out in damages. Get this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. 
The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. 
Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. 

I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. 
PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. 
PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. 

PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. 
XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Managing, opening, or closing account

Complaint: I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with Springer Collections Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This man name XXXX XXXX from Springer Collection has been calling me back to back everyday since XX/XX/XXXX about a bill I owe back in XX/XX/XXXX which I do not remember. I told him i will try to get a loan to pay the {$2600.00} but I didnt get one. He call 4 times a day or more he talked to my boyfriend in told him that if i knew better i would get back to him, i owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX XXXX XXXX XXXX union charge offs on my account and XXXX judgement from them. I disputed all of these with the credit bureaus. XXXX removed them all except the judgement. because it had been 7 years reported on my report. Experian and XXXX refused to remove from my credit report they stated that the information was correct. The dates are different on each credit bureau. I know that it has been 7 years but I dont know know what else to do to since ive already tried to dispute it. Also XXXX of the accounts I have no idea what it could be. Also the judgement is not accurate. For XXXX it says it was filed as a judgement XXXX 2009 that is false I went and picked up the judgement file from the court house and it states that it was filed XXXX 2009. Another thing that was reported not accurate was the judgement was for XXXX vehicles that were combined in XXXX loan that I cosigned for my ex. The XXXX vehicles were a XXXX van and a XXXX. Both items were repoed. In the judgement it states that they did sell the XXXX for {$8000.00} that went towards the balance but it never not once mentions the selling of the van or even the amount of that bieng sold to put towards that judgement. I read it several times and didnt find anything except for the actual loan when I first signed loan papers stating that these XXXX items were in XXXX loan. it was the terms of the loan. So they pretty much sold the van and never took that money and put it towards what I owe. they got the van and they got the profit of selling it and didnt apply it to the negative amount. Its been seven years or more and I dont know what to do about these XXXX charge offs XXXX is in the amount of {$8000.00} and something and the other is {$2500.00} and i dont even know what that loan could be. if it even was my exes and they came after me because we had a joint checking and savings account. And then theres the judgement that is {$11000.00} and something. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Continuous letters requesting payment of debt not owned by me.

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.

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 11/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: COMPLETE LACK OF COMMUNICATION FROM MORTGAGE COMPANYI 've had a hardship over the past year and a half, and had my salary cut by over {$XXXX}. Our house was in foreclosure and the redemption period ended XXXX 2015. After submitting all documents requested for mortgage assistance with OCWEN and receiving a letter ( XXXX/XXXX/2015 ) listing all our options with OCWEN, we started the process immediately for a short sale. We had a young couple make an offer on the home in late XXXX early XXXX they were excited and had a significant down payment. Our realtor XXXX XXXX from XXXX XXXX XXXX had us fill out the OCWEN short sale paperwork and he submitted it to OCWEN per their request. He had spoken to OCWEN rep, XXXX XXXX XXXX. XXXX spoke to her in early XX/XX/XXXX-she stated that she would get back to him in 2-4 days. That was the last time XXXX heard from her. XXXX tried emailing her at least XXXX times and calling her and leaving her messages a XXXX times. I also called her XXXX in XXXX and left her long messages-pleading with her to give us an answer one way or the other and that I had children and a wife and needed to know if we could sell the house or stay or should look for a rental home. No response. It 's very frustrating and sad that she could not even call us to let us know anything. I 'm disgusted by the entire process. We 've shut off the gas, electricity and moved out by the redemption date. Still, no response and the house is sitting cold and dark. OCWEN had an opportunity to sell the home and did Nothing. I 've plead with the OCWEN rep, XXXX, to no avail. We were also frauded by a foreclosure company and lawyer in XXXX MI. The MI Attorney Generals Office is conducting a criminal investigation. The lead Investigator is XXXX XXXX XXXX-Supervisor with the Mich A. G. 's office. I am beyond frustrated. 
PLEASE HELP!

Company response to consumer: Closed with explanation