milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with Kramer & Frank, P.C. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX  county Courthouse refuses to update Equifax on paid in full tax lien. I 've disputed this information twice and it has been fixed with  XXXX  but not Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: i have a credit card account with citi bank since XX/XX/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me a letter will be sent to my address to correct the issue. and a replacement card issued. i currently have a credit on my account and i am unable to modify payments due to my separate citibank being unlinked by citibank and i can not view or modify those transactions. I want my accounts linked up and a new card issued.

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 09-11-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Back in XXXX, I let Capital One know that i had been admitted into XXXX XXXX XXXX for emergency XXXX. I had been trying to work with them on my payments as i had been out of work while in the hospital. While i was there, I spoke with a represenative and advised that i was sending my sister to pay the outstanding balance on my account that day i believe XXXX/XXXX/XXXX. I was told at that time that as long as the payment was made that day i would be fine. That same morning, my roomate called me to inform me someone had come by and picked the car up. When i called Capital one, there phone system kept redirecting me to an alternate line which would immediately disconnect. this went on for a week. Further, once i received info on my car 's whereabouts, i was told multiple times that my car had not been repossessed. after about two weeks time, i finally got the information i needed. I feel extremely misled and wrongfully treated especially since i was in the hospital for emergency XXXX. I have always stayed in communication with Capital One and paid on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Wrong amount charged or received

Complaint: I opened an account with MoneyGram to transfer money to XXXX online. Money is transferred from my checking account. On XXXX XXXX I transferred {$700.00} dollars to XXXX online using MoneyGram website. On XXXX XXXX {$1000.00} was taken from my checking account. However, only {$700.00} was transferred. After several calls to the customer service and written complaint online using MG link no resolution was available. On XXXX XXXX MoneyGram cancelled the transaction and returned only {$700.00} which I picked up from an agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.

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 10-01-2015 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: From XXXX or so of XX/XX/XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from ( XXXX ) XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from ( XXXX ) XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XX/XX/XXXX. Ref # XXXX I did not hear anything back untila notice from ( AFNI ) on XX/XX/XXXX trying collect his same amount from XXXX XXXX XXXX XXXX. I called AFNI myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XX/XX/XXXX They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have requested on multiple occasions that Experian remove a fraud alert and add my phone number so potential creditors can contact me or approve credit. 
they have failed to respond or remove the fraud alert

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 10-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX my wife and I received a home equity loan on a property located at XXXX XXXX XXXX, XXXX, Ca. XXXX, in the amount of {$80000.00} from XXXX XXXX XXXX XXXX XXXX, sold later to First Tennessee Bank. The property was foreclosed upon 3 years later. My wife and I received several notifications of the impending foreclosure but we could not continue making the monthly payments due to losing my job. We did n't receive notices or any communication from the holders of the home equity line of credit regarding the foreclosure proceeding and we continue making the {$210.00} monthly payments. In XXXX payments increased to over {$800.00}. We had difficulty with the increase, but have made irregular payments and believe the account to be up to date. My understanding is the holder of the home equity line of credit must be notified of the foreclosure and release its interest in the property for a negotiated amount of the sale price prior to the property being sold to another buyer. I need to know if that happened with this property. I contacted First Tennessee Bank to attempt to settle the loan for a cash payment less than the balance but was told the loan was unsecured and for me to submit a full financial disclosure form prior to discussing the situation. My working life is ending soon and I 'd like to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bureau s ( Equifax,  XXXX ,   XXXX   XXXX   ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.

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 11-06-2015 about Payday loan () with Bliksum, LLC (SC).
Issue: Can't contact lender

Complaint: I took out a loan with Loanme in XXXX, the payments were coming out of my bank account automatically. I stopped that process in XXXX because i was experiencing hardship. The company agreed to me paying XXXX dollars for 3 months, which is XXXX. I continued making payments to the company, but they started harassing me, calling my phone 5 days a week, XXXX time a day for all types of reasons. I asked over again for them to stop calling, but to no avail. i even had a customer representative tell me she was not going to stop calling. This behavior of the company has caused me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Each and every time I submitted documents for a modification I was repeatedly told that the documents I submitted were lost, missing information or out dated and needed to start the process again with a new application. I was repeatedly told my file was " under review '' to be told a day or week later it was not ready for review. Even with the assistance of an outside foreclosure prevention specialist - I remained on this hamster wheel. I am a XXXX, so I understand the process. I finally was approved for modification trial period upon which I have been locked out of Bank of America 's communication portal. I have called the representative I was told was assigned after my file was sent to the escalation department as a result of a complaint I filed just a month ago. Now, I do not receive call backs from the assigned escalation department and no one is assisting with explaining why or correcting my sudden inability to access the portal, which is stated as being the bank 's " preferred method '' of communication and the only place where I can verify documents that I have sent or received. Can someone please help get Bank of America 's stated protocols and to follow procedures.

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 08-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I have been with BOA for 21 years, during that time I had a checking acct linked to a line of credit. A week ago the bank discount the line with informing me, I found out when my wife went to the store and her card was reject for lack of funds. She informed me I went to the bank, they said my line was disconnected and they ca n't reconnected it back. I asked why they '' we do not offer that service anymore, although we disconnected it and it a bank error, we ca n't fix it! '' I have spoken to various people in the bank, no one will help me!!!! 
I asked the if they did away with all acct like this, they said no if you have it you are grandfather in. I said if I had this service for 21 years and the bank disconnected it out tell me why ca n't reconnect the line, it is still open. the response I got was unbelievable " we will not do it and that it! '' How do I get this resolved??? I want my line hooked back up to my checking acct. I call the executive branch of bank of America, they said they will not do it Thx XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for the XXXX  XXXX XXXX and was told I would get XXXX miles and a free companion ticket. I did not receive these. When I followed up everyone kept telling me to wait. I followed up again as was told I would not receive this at all. I was still charged the {$50.00} account fee even though I did not receive any of the benefits. I cancelled the card and asked for a refund, or even a prorated refund, of the account fee and it was refused. I don't see why I should pay for an account fee when ( 1 ) I don't receive the advertised benefits and ( 2 ) I don't keep the card for the full length of time. I should get a full refund for the account fee, but at a minimum I should receive a prorated refund since I am not keeping the account for the full year. Additionally, you should look into the shady and misleading practices of Bank of America. When I apply for a particular card and am approved, I should not get moved to some other program without my permission and it certainly should not be a bait and switch, misleading situation.

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 08/31/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I had an account with XXXX that was a pay per click ad words account and placed a credit card on file for them to charge XXXX per month for service before we even started the service i asked many questions about how the ad words system worked and was explained that they monitor the account and create seo words so it would drive more traffic to my website.I was told that they can track the IP addresses so to make sure that the competitor would not be submitting false clicks to drive up my account charges. After the first couple of months things were fine until i received a bill from my credit card company for XXXX from XXXX. I called XXXX and was told that i received XXXX click, s in 1 day. I told them that this was not correct and they needed to investigate this as this was not correct. They did nothing and insisted i pay the bill which i disputed with the credit card company which credited my card until they received a response to my dispute from XXXX.XXXX sent them thier policy, s and procedures but no proof that this was a ligitamite charge which the cridt card company reversed the charge and said the case was closed in thier favor. I Contacted the credit card company when i received their response and was told to re dispute the charge but in writing only which i did and never got any response from the credit card company other than the fact that they said i owe them which i said no i do n't and i explained i want the proof that i received the work i was being charged for because XXXX told me that they could research the IP addresses to see if they were duplicate and if they were they said i would not be liable for them which XXXX has yet to do and i do n't feel that this is correct. The credit card company is not addressing this instead has reported incorrectly to reporting agencies in correct information which is affecting my credit rating.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit report activity complaints will be always endless .IT IS HARD TO IMAGINE THAT ANYONE CAN HAVE AN EXCELLENT CREDIT REPORT TO SPEAK ON ITS OWN. THERE 'S HARDLY A CONSUMER PROTECTION Rights when they are being harassed silently or blindly. XXXX never apologizes when they do errors .Same applies to all other Companies. I can  never forgive XXXX on my one week 's internet under repair. This has been charged deliberately on pretext. while IRS OWES ME A LOT OF REFUNDS DUE FOR THE PAST YEARS. I am settling in a new place. Your response will be awaited for further action. I can afford legal expenses only when i get all these dues back to pay them. I hope you will treat this matter not lightly for unknown reasons or volumes of complaints received so far in your CFPB.

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