milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This phone number has called several other times on different dates, XXXX. Today, XXXX/XXXX/XXXX, received the call again at XXXX am. Called ID reads " 84 Lumber XXXX '' I answer the call, person on other end asks if they could speak to a particular household member, I stated that was me. Person on calling end stated they were a debt collection service and gave the whole spiel about collecting a debt. I did not understand the name of the company that the calling female stated she was from. She tried pronouncing the name of the company again but in a way that was faced paced and still not understandable. I then asked female why does my caller ID read that she was calling from 84 Lumber XXXX She stated that " this number was given to us after they were no longer using it. '' At that point I disconnected the call. I am submitting my complaint today because if a legitimate collection agency is calling to collect a debt then, regardless of when they acquired a phone number, anyone 's called ID should read what company the call is coming from. When this call came in from this number before on other days, I did not answer the call because I knew that I did n't have any dealings with 84 Lumber and the caller did not ever leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I initiated two payments using Chase online to XXXX XXXX XXXX ( the " payee '' ) both payments initiated on XX/XX/XXXX and both payments " expected to arrive '' on XX/XX/XXXX. 

The payee claims to have only received one payment and can not identify which payment it received. Chase claims both checks were deposited.

I asked Chase to initiate a fraud claim with regard to the payment which was n't received by the payee. They have refused because " I can not tell them which of the two payments was n't received. '' The payments were made from Joint Checking and High School Checking. The transaction numbers are XXXX and XXXX. 

Please cause Chase to investigate and confirm that both checks were deposited. If they were, please cause them to open a fraud investigation as I have confirmed with the payee that they did n't deposit both checks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )

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 12/26/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: My client is a   XXXX   XXXX   and can no longer   XXXX   his two story home. He asked us to assist in him in a short sale. His listing agent obtained an offer for {$250000.00} and we submitted it t o SPS  on  XX/XX/XXXX   . On  X/X/17    when I spoke with SPS I was told the value was {$240000.00} and that they would have a decision in 30 days or less. I followed up on  XXXX  and the rep said the value was missing - when I told her it was in and at $  XXXX  she found it. I called on  XXXX  and was told that we need to remove the verbiage HAFA from the HUD and put in the sellers name. I ordered that revision from the title company and submitted the revised HUD via e-mail on   XXXX    . They uploaded it to their system on   XXXX    . I have called every other day since then and am told it will be 30 days from the last date the document was received (  X/XX/17    ). I have tried to escalate the file but management and the Ombudsman department refuse - telling me they are " allowed '' 30 days to review. I understand federal regulations but why HOLD the file for 30 days just due to  one sma ll clerical change on an offer that is {$15000.00} ABOVE value? They continue to hold the file until  X/XX/17   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.

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 11/14/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge. 
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle. 
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied. 

The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with Continental Finance Company, LLC (SC).
Issue: Closing/Cancelling account

Complaint: Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have not been receiving any monthly statements ( or periodic statements ) From Ocwen Loan Servicing , LLC, since my bankruptcy case closed on XXXX XXXX, XXXX. A federal rule, which went into effect on XXXX XXXX, XXXX, requires monthly statements be sent out to homeowners. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Medical) with Medical Business Bureau (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Medical Business Bureau ( MBB ) called my wife and asked to collect on a medical debt for the amount of XXXX. The agents name was XXXX XXXX. I had spoken to the billing service that submitted the debt to MBB, and I have on record the actual amount that was submitted to MBB which was XXXX. When I called MBB and asked for XXXX XXXX, I inquired about the total amount that was submitted from the billing office, and he clearly states on record the total amount that was submitted was for XXXX. I contacted FTC and spoke to an associate who confirmed that the act of attempting to collect more than the requested debt submission is illegal. I am filing a claim against this company because of it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get that debt collecting companies like to call. I 'm not disputing that I owe various entities, and while I do n't really recognize 'Midland Credit Management , Inc. ' in XXXX XXXX XXXX they are probably for XXXX of my accounts that went to a debt collector. They 've already incessantly tried to call, but the nature of my complaint is they called this past Sunday. This is n't the XXXX and 'you owe me money ' tactics of harassment are fair game. Sunday is an Off day by any definition and still 'not a business day. ' They need to be reigned in to know that by phone intrusion, there are hours of a business day that are " fair game '' and then there is after hours which is off-limits. Also, I do n't think they 've left a voicemail which to me tends to ooze Unprofessionalism. So, 'by the rules ' you can call to harass us any business day, from like XXXX - XXXX, but outside of that you do n't just get to bother us about this specific debt that I know is 'important ' to you, but it is prioritized to this Family ( and probably a lower one at that ). Please hold MCM accountable to stop this practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Other

Complaint: Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went to finance a new car and ended up with XXXX hard inquiries.

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 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debtor attempts to collect and refuses to present a verification of the debt, after several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: portfolio recovery does not have ANY valid contract with me and is using methods of extortion by defamation of character to collect a debt that was never owed to the m, Im not their cus tomer, Im not their member, Im not their consumer, They need to show me a valid lawful contract or they must CEASE AND DESIST AT ONCE, because they are in violation also of information breach!!! see applicable law, s. A breach occurs when a customers personal information was, or is reasonably believed to have been, accessed by an unauthorized person.   N.J.S.A . 56:8-163 ( a ). Upon discovering the breach, the first step is to notify the Division of State Police,   in the Department of Law and Public Safety, for investigation or handling.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you 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 explanation
Consumer complaint received 04/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorize the following inquires on my credit report, they do not belong to me. I disputed this with Transunion and have not heard back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have student loans with Sallie Mae. I am still in school and while I it has taken far longer than I ever hoped, I have never left school. I have taken a couple term breaks of a month or two, but have never stopped attending. Sallie Mae will not stop calling even when I upload documents, speak with customer service agents, refer them to the clearing house. They just keep calling and emailing demanding payment. When I speak with a customer service person they inform me the calls are automated and will not stop until I bring my account current. 

Why are they allowed to dog people none stop and will not accept emails, only uploaded forms or phone calls that they keep saying I my school info is not available to them? 

Surely there has to be some for of protection from this type of harassment. The stress is sending me crazy. do n't they think if I could have finished school and repaying my loans I would have? I need to help to get these dogs off my back so I can focus instead of the constant hounding for payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I signed up at Citibank for their " CitiGold '' account. When I did so, they promised me XXXX XXXX XXXX miles as a signup bonus. I met all the terms of their deal, including making automatic payments from the account for 2 months, and making over {$1000.00} in debit card payments. Six months later, after repeatedly telling me that they would post the airline miles to my account, they changed their mind and told me they had no intention of honoring the deal they had signed, and that nothing could be done to obtain any resolution. Citibank charges an extraordinary $ XXXX/month fee for this account, and the account is only worth it based on the deal that they offered. Failing to meet the terms of the deal is simply theft on the part of Citibank.

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 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax is still reporting a loan default, that 's over 7-years old on my credit report. They are the only credit reporting agency, that 's keeps on Reporting. This has affected me on purchasing a loan for my lending company, i was denied. XXXX & XXXX did their investigation and deleted it from my credit report already. This has been going on over 4- months. That 's the reason this investigation. Thank you!

Company response to consumer: Closed with explanation