milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX many items were removed from my credit report Starting in XXXX a lot of those items were re-inserted with new opening dates. A lot of those items were old and should not be in my credit report. The worst part about it I did not receive any notification from the collection companies or the credit bureau 5 days prior to let me know that these items will appear in my credit report again.

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 03/30/2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.

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 01/30/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Caller from portfolio recovery called at XXXX cst asking for me. I informed caller that it was almost XXXX XXXX. Caller once again asked if i was available. I told caller again that it was almost XXXX XXXX and that i was trying to sleep. I hung up on caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax by lax security allowed mine and 145 million other Americans DOB and SSN information to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I purchased XXXX tickets from a site that boasted a 200 % money back guarantee. I received an envelope with a print out of my receipt but no tickets. I called and emailed the site, with no response, so I contacted the venue and they could not help either. I filed a dispute with my credit card company and was refused, even though they also boast a money back guarantee. I reopened the dispute but was denied again. So I called and emailed several times, again with no response and I also opened a case with the better business bureau. Pay pal responded to say that they could not help, m but a member of the credit card team would be in contact. No one ever called back or responded to me reaching out further. Info : Type Counterparty Transaction ID Date Amount Reason Filed on Status Case ID Email Dispute My Ticket Tracker XXXX XX/XX/XXXX - {$260.00} USD Not as described XX/XX/XXXX Case Closed D -- XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Credit card) with Velocity Portfolio Group (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: False accounts and false accusations of fraud resulting in the closing of my checking and savings and credit card and a negative XXXX balance never asked for a savings account with them in which Is the account they flagged for fraudulent activities now I fear my name will go into checks system and im out XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MD).
Issue: Fraud or scam

Complaint: My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I bought my XXXX XXXX XXXX in XXXX XXXX for XXXX. I got my car finance through Santander Consumer USA. Ive had my car for XXXX and their still telling me I owe them XXXX for the car. They have been a Nightmare!!! The put insurance on the car that I didnt want and they said they 'll put it at the end of the loan. They 've Repossessed ny car 2 times and Ive gotton it back and they charged me excessive fees. I would like to get my titled to the car but their telling my I still owe XXXX which is more than the car cost. I didnt sign up for a XXXX XXXX XXXX XXXX I cant afford to give them any more money its been XXXX. I deserve my title to my car. 

Thanks in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Medical Center  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

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 01-04-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo put a stipulation for the date they must receive an offer in order to entertain a short sale. I have a XXXX % backed VA loan, so Wells Fargo will receive all of their money regardless. They are trying to foreclose on the home now even though they will get all of their money when the house sells.

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 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (DE).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received the first XXXX XXXX card in my name on a XXXX ready to activate attached to a direct deposit form with my information and a bank account number and routing number from XXXX. I did not apply for, ask for or want these services ... and was applaled to recieve it as I am on the GOVERMENT DO NOT SOLICIT LIST for financial and insurance solicitations. I called them and told them I was registered and asked them to remove me from thier solicitation list. The lady assured me the account was closed. In XXXX, I received another one. Same mastercard with and open account and routing in my name. Anyone could have received this and activated it. Which is why I do not want unsolicited offers. I did not appreciat their ignorange of the " DO NOT SOLICIT '' list nor the disregard for my request not to solicit.

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 09/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. 
Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. 
According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX. Email them from there website to stop call me at XXXX for a collection that my husband owns them XXXX. I told them on Monday, XX/XX/, that I would pay it on Friday,XX/XX/XXXX. and of course, they contacted me again. the day was not over for them to call me again. I Personally feel that I was being harassed by the company because my husband owning them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I live in XXXX Florida and live in a county that was declared a federal disaster area with Hurricane Irma. I got evacuated and was living in a shelter. I lost work and got behind on many of my bills, including rent and car payment. I have a MasterCard with Capital One and last XXXX, I filed a complaint against them with the CFPB, because theyunlike my other creditorswould not defer a payment for the month of XXXX. Only after receiving my complaint t with the CFPB, did Capital One contact me and say they would defer XXXX payment. 

I am still having financial problems related to the Hurricane, because getting behind on your other bills often results in extra fees. I mistakenly did not pay my XXXX bill with Capital One, becaus I thought my account was incorrect t when I checked it online and did not have the deferred payment figured into my account. I thought the online record was a mistake and that the XXXX payment was not due, because my account was on deferment. Apparently, I was in error because of all the confusion on my account. 

So, I now find out that I really owe two months payment, rather than one. And if I dont pay my bill by Thur, XXXX/XXXX/XXXX, I will be reported to the credit bureau as being 30 days late. The problem is, I can not make the payment until the following day ( Friday ), when I get paid.

I talked to the Supervisor at Capital One and asked if they could defer reporting me to the credit bureau if I pay two months worth of payments as due, on Friday instead because of the mixup and my financial difficulties due to the hurricane. They said NO. They will not help me at all. 

I am trying to keep my credit history good because I need to purchase a car and this will harm it severely. 

I am asking for the CFPB to step in and prevent them from reporting to the credit bureau because of paying one day later than the payment is due.

Company response to consumer: Closed with explanation