milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called non stop for a few years about a debt, I have filed the paper work they need to clear me of the debt and they will not stop. They are claiming it is a XXXX XXXX account but all my XXXX XXXX accounts are in good ordered and closed, I called XXXX XXXX they say there is no outstanding debt owed. They have also, some how found a number I work at and called and notified a friend of the debt they are trying to collect and giving me a bad name. I have told them not to call me back everytime they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX President of USAA today I called about a complaint of consumer privacy compliance fraud violation exocuted by a member of your so called Resolution dept who hacked the online access of a XXXX member 's account. My company XXXX XXXX XXXX would like your response regarding the reason behind referring to a member 's political conservative party or views which is exploitative solicitation. When I recieved a welcome letter from XXXX XXXX into this company it was sincerely regarded that member privacy & the ingenuity of professional & ethical values could be intrusted. On behalf of my corporate associates it has been speculated that these actions were taken on behalf of you rather you knew it or not as a grinching of my XXXX. In regard to leadership & reconciliation I know that asking you to intervene is a plea to administer justification as an example to your subordinates. Last week XXXX USAA declared a liability of a technicality that was suspose to be resolved infractions but after giving my account an {$8000.00} credit limit increase it was not reported to you that a representative of your company exploitively invaded my account integrity. As the principal executive of this company it is your responsibility to monitor the hatred practices of you subordinates. I hope you can help restore my honor of service by granting my online access & credit card privilege that is truley an appreciative heritage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual 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 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Because of lost income, I notified my credit card providers in XX/XX/XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. 

But Citi XXXX MasterCard declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. 

But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. 

I want Citibank to work with me during this personal financial crisis and stop harassing 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 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Made a payment of {$60.00} on XX/XX/XXXX through the mobile app, and made two other payments of {$20.00} and {$25.00} on XX/XX/XXXX, all from the same bank account. I noticed that my current balance was updated, but it showed that my available credit was still {$0.00}. I called in on XX/XX/XXXX around XXXX XXXX to ask about my account and the representative told me that we need to do some verification and we did, but the last two payments werent posted yet so I decided to call them again after XXXX XXXX. Since the customer service department for my bank account didnt open til XXXX XXXX, the representative asked me to call in the morning to do the verification process. OnXX/XX/XXXX I called my credit card company to get those funds released and so we had to do the verification process again. All payments were confirmed by the bank and the service rep said that I will be seeing my available credit after three minutes. After 30 minutes, I checked it and it wasnt updated at all. Took me at least 3 service reps to get the funds finally released. When I tried to use it at a store later that day, my card got declined due to suspected fraud which was odd because an hour ago before my purchase at a store, I was able to make a transaction online. On XX/XX/XXXX, in the evening, I checked my balance and the available credit was {$0.00} despite not maxing out my credit card. I called on XX/XX/XXXX to ask if there was something wrong with my account. The first service rep told me that my account was restricted and so he released the restriction but I had to call again so someone can help me with the available credit issue. One of them told me that one of the payments ( {$20.00} ) I made was put on hold ( despite being released on XX/XX/XXXX ) and I had to do the verification process again. I asked them to check the history of the calls or notes and they said there was none despite talking to two different people on XX/XX/XXXX in the morning to help me release the funds immediately. I currently can not use my credit card for any purchase because they will not release the funds so I would have to wait for 5 business days again. I will pay my card full and will cancel with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (VA).
Issue: Trouble during payment process

Complaint: Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.

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 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed from my credit report immediately.

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 02/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Now that have disputed Equifax , I am getting letters and phone calls from XXXX stating that they were formerly XXXX XXXX in 2004 and I have not answered their calls because they have been notified by my lawyer XXXX XXXX XXXX ( Twice ) that do not call XXXX XXXX. All questions are to be referred to him.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: about every 6 weeks WF skips taking a transaction from pending to posted, these are usually pretty big amounts, XXXX to XXXX, I pointed this out numerous times, and they always say it was because i was not adding something into the pending, i was forgetting a transaction. I always make sure i do not, the account takes pending transactions, and posted transactions out of the account balance and gives you, your available balance to spend, I take out any transactions that i have made and this is how much money i have to spend. There is a LOT of transactions, so i depend on the bank to be correct. The problem is every 6 weeks or so, they take a large pending transaction, from the same place, ( and i talked to them and they batch the CC every night ) they take it out of pending transactions, and put it into available balance. I just figured this out this last time, as there was no checks and i had XXXX available, so i made the transactions, then 4 days latter the XXXX shows up as posted in my account, so it goes from pending, to available to posted. and they do not think that this is odd or even an issue. I ca n't for the life of me figure out how it ca n't be an issue, when you put XXXX into my available spending cash, and then charge me XXXX in OD fees and then tell me its my fault ... .. I do not feel it is my job to do the banks accounting. sense when does a bank take pending CC transaction, and put it back into your account to spend, and then take up to a week to put it into the posted transactions? THEIR ANSWER WAS THAT I SHOULD MOVE TO ANOTHER BANK!!!!!

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 07/27/2017 about Debt collection (Other debt) with Avant Credit Corporation (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.

Company response to consumer: Closed
Consumer complaint received 12/15/2017 about Debt collection (Medical debt) with Arnold Scott Harris, P.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. Medical expenses incurred when a driver XXXX XXXX as a pedestrian while visiting XXXX. 
2. Ambulance bill went into default while waiting for Driver 's Insurance, which had responsibility for payment, to complete payment. 
3. Bill paid on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX XXXX XXXX repeatedly called to collect payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I told them the payment had been made. 
5. On XX/XX/XXXXXX/XX/XXXXin a phone conversation with the Debt Collectors, the put me on hold to verify that the payment had been made. The woman then informed me that indeed the payment was cleared and they would no longer call me. 
6. OnXX/XX/XXXX, they called again asking for the money and claimed that they can not verify if the money has been paid. They insisted that I send them, via mail, proof. 

They have no right to contact me. They do not keep accurate debt information. They refuse to stop harassing me or check if the debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NE).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I own a small amount of bitcoin currency ( approximately XXXX BTC ), and on XX/XX/XXXX, I transferred this amount to my Coinbase.com account 'vault '. On XX/XX/XXXX, ( and again on XXXX XXXX ) I tried withdrawing these funds from my Coinbase vault, but due to a bug or glitch in their website I am unable to do so. I have been emailing their support repeatedly for 3 weeks now with no success. My funds ( worth over {$1000.00} USD ) are stuck in their website, and I have not received any response from their Support since XX/XX/XXXX, despite sending them SEVEN ( 7 ) additional inquiries via email since that date. I have received a total of three ( 3 ) responses from their support, between the dates of XX/XX/XXXX, but these were completely automated and/or boilerplate responses that provided no help whatsoever. I have not received an update or even courtesy response in over two weeks. 

According to their website, the withdrawal from vault process requires two ( 2 ) approvals which are sent via email to the Primary and Secondary emails listed on the account. The problem or glitch in their website is that they have the SAME EMAIL listed for my primary & secondary email addresses ; However, I only receive a single approval email, and thus I am only able to provide a single approval instead of the two ( 2 )  approvals needed. This coupled with their lack of support is completely unacceptable. 

I do not know why they have my same email address listed for both primary & secondary email, nor why that is even possible, and there is no way to fix it or change either address when trying to do so through their website user interface. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Problems caused by my funds being low

Complaint: I have had my account open for roughly 3 months. In that time, I have had roughly XXXX overdraft charges with a majority of them due to the bank 's way of routing the debits timing and what is made available or not. There is no doubt they make available smaller amounts to induce small debits, especially through the weekend and then charge {$36.00} for every XXXX of the debits done believing there were funds available ... which there were hence the transaction allowed to be completed.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have made several attempts recently on  XXXX   XXXX    XXXX  , the student loan was transferred and its being paid with   XXXX   and it appears in my credit  NelNet  with a default loan which hurts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Tecco Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Was put into collections by XXXX ( XXXX XXXX XXXX XXXX in Washington State ). 
Paid all arrears in full XX/XX/, no longer delinquent. 
Contacted both XXXX and Trans Union by phone in XXXX to have the collections from my report. 
It has not been removed and is hindering my Credit Score.

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 02/22/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving numerous calls from Synchrony Bank from XXXX XXXX to XXXX XXXX. They are calling 20 plus times a day. I have repeatedly asked them to stop calling and have explained to them that I will pay them when I have money. I have asked for a cease and desist notification to be put on the account under my social security number and they stated that they will notate the account and then 5 minutes later they call back. I have advised them that the account should be notated and that they need to stop calling.

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 12-02-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Credit decision / Underwriting

Complaint: I have been trying to get a " stringline '' mortgage done with XXXX since XX/XX/XXXX of this year. I have finally ended my relationship with them due to concerns over private information sharing and their practices are concerning.

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