milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I am filing this complaint to accompany the complaint I 've filed with the fdic. Bank of America has denied a claim I disputed in regards to a restaurant purchase in which I was displeased with service, treated rudely with my family and did not receive all the product I paid for. Bank of America has made an impossible demand for me to provide documentation that I did not receive all the products i ordered even though I posted a negative review of the restaurant immediately after the visit. Furthermore bank of America has reversed a provisional credit to my account and is now charging me overdraft and insufficient funds fees. On XXXX XXXX 2017, I called in to file yet another dispute in which a credit was issued and was lie to by a bank representative in the dispute department that the XXXX was added back to my account and that after both provisional credits were applied that I actually would have a XXXX balance. This is also in direct contradiction to a letter mailed to me that the funds were to be reversed on the XXXX of the month not the XXXX. This is just added to the constant ongoing issues I have had with bank of America. I have also had to file the second dispute because a charge was made to my account on a day I did not authorize. I have since then closed my debit card with bank of America for my checking account and did not order another since they have failed to honor disputed transactions.

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 02-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard back.

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 10-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unexpected or other fees

Complaint: Hello I had purchased American Express Serve Cards - total of 4 cards ( one each for my daughter / wife / father-in-law and me ). When I tried to register these cards on our name we were denied stating some issue. We were told to spend the balance on the card and close it. However they charged {$4.00} on each card after 30 days as we were not able to use the balance by then. 

The issue - if the card would had been registered on our name we would not have had those charges as the terms mentioned the same. But due to the issue with the registration process we had to pay the fees. Also using around {$500.00} from each card was not possible in a month and hence we were lost around {$19.00} and requested American express serve prepaid card company to refund it. But they did n't do the same. Need help here.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello. I am recent graduate who only started working in XX/XX/XXXX. I have {$29000.00} of Federal loan under my name and about {$160000.00} of parent loans my mother is responsible for. My mother is ill and recently stopped working and my father 's income is not high as well. I submitted a consolidation request twice for both me and my mother, the request for my mother went through but it did not go through for me. I also applied twice for a income based repayment plan. However both times the request did not go through and I received no updates. Whenever I called Navient while waiting for the requests to go through all the agents said it was in process and did not provide me with further information. They could not even inform me how much I had to pay per month. I also requested a grace period twice for my mother but both times it did not go through ... I want to start paying the amount we can afford as soon as possible properly so we do not accrue further interest, however navient has not been clear and just said things like " do not worry, the consolidation and income based repayment plan will take some weeks to go through but you can just request a grace period and pay later. '' I have been very stressed about this.. and I can not trust any of the Navient representatives anymore..

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Macy 's is charging me a { {$2.00} } " Minimum Interest Charge '' fee on a XXXX balance credit card account. My Balance was XXXX on my XX/XX/2017 Statement. I pad the balance in full on XX/XX/2017 way before the end of the billing cycle. On XX/XX/2017 I was charged a {$2.00} fee. This has happened to me several times in the last few years. I want Macys to respond to this and let us know what is being done to fix it. How many other customers just pay the fee? When I called macy 's, they told me it was not an issue and I will always be charged this fee unless I pay the balance in full every month. We should not have to make a phone call and wait on hold everytime this happens. They need to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I made a payment of {$380.00} to my Paypal Credit account. I selected to use my Paypal balannce of {$380.00} and upon submitting payment I received an email confirmation with the following information ( Please also see attached email ). 

" We received your payment of {$380.00} USD and applied it to your PayPal Credit account balance. 

Here are the details : Your PayPal Credit account ending in : XXXX Funding account : PayPal Balance - {$380.00} You paid : {$380.00} USD Payment date* : XX/XX/2017 Confirmation number : XXXX '' On XX/XX/XXXX I noticed that my XXXX checking account was debited for {$380.00}. 
At XXXX Eastern standard time I contacted Paypal about the problem and they stated that I selected my checking account to make the payment. When I told them about the email evidence they put me on hold and then came back and told me that because my account had a transaction for a payment to XXXX on XX/XX/XXXX for {$4.00} and a transaction on XX/XX/XXXX for {$4.00}, than my balance was now {$370.00} and so my checking account was used. It should be noted that the payment was marked as completed on XX/XX/XXXX ( Please see attached screenshot ). I asked that they refund the money to my checking account and they said they would only refund the money to my Paypal account, not my checking account. Further, they would not do it before XX/XX/XXXX. I am still waiting to see if I will have to pay the fee to withdraw money from my Paypal account along with the overdraft fees, potential bounced check fees along with hourly wages and other losses that there error has already caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I received a notice from Bank of American that they will charge a fee to cash my checks at a non BofA bank. <P/>This includes their " free '' billpay service. <P/>To rephrase : If the person or company I write a check to does not have a BofA account, I will be charged a fee. <P/>This means I have to have knowledge of the banking arrangement of my payee. <P/>This is a privacy invasion and should be prohibited banking behavior.

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 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has a trade that does not belong to me with 'unknown ' status. This trade is not reported by any of the other bureaus ( which I was able to access via XXXX ). They have made it literally impossible for me to contact them to ask for resolution through any real time channel ( phone or web ) and the only option they are giving is to dispute via mail which can take up to 30 days. I am applying for a mortgage pre-approval and do n't have that much 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 non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: I did not get my XXXX miles bonus when I signed for a credit card. I was supposed to spend {$3.00} in 3 months. I spent about {$15.00}. Horrible customer service. I will close my account if I do n't resolve an issue. I will give bad reviews based on my experience. You have a lot of competition on the market. Do you want you image to be compromised? I will work on it if my issue is not resolved.

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 08/15/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Never received a balance to pay off to close the account

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with M&T BANK CORPORATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I recieved a promotional " preapproved '' credit card notice on XX/XX/XXXX. Was declined on XX/XX/XXXX from M & T bank. The language in the application process when I entered in the promo code and supporting information stated that due to the preapproved status it would not be a hit on my credit report if I was declined. I asked the representative on XX/XX/XXXX at around XXXX XXXX after being declined if my credit would be hit she said basically it would but could not say if it would be a soft or hard inquiry. I went to look back at the language of the actual application stating my credit would not be impacted was locked out of the application since it was, completed and given the phone number I just called. I could not see if the terms and conditions were different from the advertising. I think someone should investigate the whole " preapproved '' credit card for existing customers process at M & T to see if they are giving misleading information or maybe blurring the lines to go under the radar of the FCRA. They may be ok here with their terms and conditions but I couldnt review them again due to being locked out of my application to doublecheck and the reps confusion to my request. Thats why I think its worth looking at their whole process to see if they are advertising their offer per the guidelines of the FCRA. Thank you for your time and attention.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to XXXX and Experian in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and Equifax each month. 

I also sent a letter to Equifax and XXXX notifying them that the information is inaccurate and requested that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called my father at his work, my cell phone repeatedly and has threatened my professional license to work in the state of California. They did not identify the name of the company in the phone call, and threatened to call " any and all references on file ''. I have never recieved any written correspondence from this company regarding any owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was told that if paid in full this would be deleted from my report. I did not get this in writing but did get audio. They convince people to pay by promising things that they do not deliver.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a credit report from XXXX, XXXX, and expertain and they refuse to give me a credit report after I was denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with TSC Accounts Receivable Solutions (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

4. TSC A/R Solutions/ Original Creditor : XXXX XXXX XXXX $ XXXX/ First time contacting this agency was XX/XX/XXXX. Sent me a print out provided me no signature for this debt. I also contacted the HIPPA office on XX/XX/XXXX. Received no reply. 

The latest letter I sent was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WY).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted my lender before my husband had XXXX that was predicted to leave him out of work for about 6 months. They said they could do a loan modification. They told me to stop paying my payment while I was working on modification or they would n't think I needed a modification if I could still pay the payment. Four months later, nothing is done so I contacted what I thought was a legitimate site that could help me work with my lender. I ended up getting scammed by the other company that and loosing {$5000.00} and barely stopped the foreclosure of my house one day before it was scheduled to be sold. Now my lender has raised my payment to include all delinquent payments and fees, as well as trashed my credit when I only did what they told me to do in the first place!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax free credit report not available! XXXX and XXXX are able to provide free credit reports when my current information was supplied. 
Look at internet. Several customers seem to experience the exact the same issue that I have experienced. Equifax free credit report is not available and their website is showing that I ca n't get the report online. Instead, Equifax is asking me to send my XXXX and other documents requesting for free credit report. XXXX and XXXX are able to provide free credit reports when exact same current information was supplied to them. Why is Equifax providing such poor service to customers that need free credit report? 
Can Equifax improve standards to compare with other XXXX agencies - XXXX and XXXX so that customers do n't waste their time looking for free credit report from Equifax. 

Can Equifax implement appropriate quality measures and actions to resolve customer complaints with this credit reporting agency? 

I tried their telephone IVR system as well. It is not functioning and I had to repeat the same information again and again. I also asked them to address this through customer service email. I have not received any response so far. Why are they making this so difficult to obtain a free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (I do not know) with Duncan Solutions, lnc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation