milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Credit card () with DISCOVER BANK (DE).
Issue: Privacy

Complaint: Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with 1firstbankflorida for 10 years. XXXX each year I receive a review of my account In Febrary This year I received a notice dated XXXX/XXXX/2016 my escr escrow account was short {$570.00}. days later I received a notice that my escrow account was short {$430.00}. I phoned, spoke w/XXXX XXXX, and was told she would check into it but to pay the shortage ( created by a change in insurance company ) of of {$420.00} which I did. 
My next letter after check was received showed a shortage of {$280.00}. ( XXXX less {$420.00} balance should be {$12.00} ) ... and still another letter saying escrow was short {$290.00} which, if not paid by XXXX/XXXX/2016 would result in monthly mortgage payments of {$1200.00} rather than the XXXX projected. 
I was ( verbally ) told not to pay the {$290.00} by XXXX XXXX and now my records shows me owing that {$1200.00} rather than the {$1100.00}. My taxes were raised XXXX this year and insurance lower by {$100.00}. 
How can I owe this????? 
also one statement shows them paying {$810.00} for homeowners ( which was what my direct bill showed ) and their statement showed {$810.00} then {$89000.00} and the government XXXX shows they paid {$1000.00}, How can a bank have so many variations in their accounting? I do not trust their figures at this point and would like a government check on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (CA).
Issue: Problems when you are unable to pay

Complaint: A problem happened with the allotment I had set up and it stopped, so I got behind in payments. They agreed to refinance so that I could get current but for the past XXXX years all the payments I have made have gone only to the interest. And they told me today that I am XXXX dollars behind and the total balance is XXXX. The total original amount was XXXX. When I requested a copy of my loan documents they refused to send them. When I tried to access the documents through their website the site only comes up with an error message and directs you to contact Pioneer via phone or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Trouble during payment process

Complaint: I have tried to resolve my escrow account with roundpoint mortgage mutilple times. They took over servicing in XX/XX/XXXX of 2015 and did not pay the second parcel. They refuse to fix the situation and I do n't know how to get this 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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report 1. XXXX  XX/XX/2018 2. XXXX XXXX   XX/XX/2018 3. XXXX XXXX XXXX XX/XX/2018

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 04-10-2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My Macy 's bill was due XXXX XXXX. By XXXX XXXX I received XXXX phone calls. The first call was at XXXX and the last call was at XXXX. On Sunday, XXXX XXXX I received another call at XXXX XXXX. On Monday, XXXX XXXX, received XXXX more calls in the afternoon hours between XXXX. On Tursday, XXXX XXXX, I received another XXXX calls. XXXX at XXXX and the other later in the afternoon.on Wednesday, XXXX XXXX I received XXXX more calls, the first coming in at XXXX and the last at XXXX. On Thursday, XXXX XXXX, I received a total of XXXX phone calls. The XXXX call was at XXXX. After which, I went online and made a partial payment to try and subside the calls. I continued to receive the for calls after I made the partial payment. Later that evening when I got off work, I called and complained about the harassment. They made a note in my file. There was no apology, just blaming the automated system they have. I can understand calling a person once a day after there bill is late, but only being late by a week should not substantiate nearly XXXX calls in that week alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

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 06-10-2015 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DEBT IS FOR A CHARGE THAT WAS GENERATED BY XXXX XXXX OF XXXX HOSPITAL. I HAVE TALKED WITH THE HOSPITAL 'S BILLING OFFICE SEVERAL TIMES ABOUT THIS CHARGE AND INSTRUCTED THAT UNDER NO CIRCUMSTANCE WILL I PAY FOR SOMETHING THAT WAS REPORTED TO XXXX FOR SOMETHING I NEVER RECEIVED. I TOLD THE HOSPITAL THAT THEY ARE GUILTY OF XXXX FRAUD. I WILL NEVER PAY FOR SOMETHING THAT I DID NOT RECEIVE. I REPORTED THE HOSPITAL TO XXXX FOR THEIR FRAUDULENT BILLING PRACTICES.

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 07/14/2016 about Payday loan () with BlueChip Financial (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation

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 01-04-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In 2015 I went to the emergency room out of state. I have insurance through XXXX that my insurance said is covered in and out of state. Almost two years after this visit I got a bill for over 300 dollars. I contacted my insurance and the hospitals billing department. My insurance said that they needed something called a rendering XXXX number from the hospital and the hospital said that whatever doctor I saw that day didn’t have that number out of state. So basically both parties wouldn’t comply with one another. If my insurance is telling me I’m covered and that the hospital is failing to comply and the hospital is saying that’s not true there was nothing left for me to do. My insurance filed claims over and over again until the hospital was past due on the timeline my insurance would of covered this bill so it went into collections. XXXX, whom I spoke to from Choice Recovery was so rude to me. The official letter came to my parents house but when I spoke to her she did not tell me that I have the right to dispute it. She told me my only option was to pay the bill unless I wanted my credit to be reuined. She didn’t listen to the issue and she refused to call my insurance company. My insurance company said they would be happy to speak with her and explain the situation but she said she wouldn’t do it but wouldn’t give me a valid reason as to why not yet her manager said they are allowed to do so. She gave me an attitude and brushed me off and didn’t offer me solutions. This company’s job is to investigate the situation and work with you to try to help and figure out the issue instead she bullied me and was no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (IL).
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: I contacted XXXX XXXX card customer service run by Barclays on, or around XX/XX/XXXX to  dispute a charge from XXXX XXXX in the amount of {$69.00}. 

Initially, I thought this was a fradulent charge because I did not remember making the purchase. XXXX, in turn, canceled, then re-issued my credit card. 

At this time I was also referred to the dispute department and was assured the disputed charge would be removed after they confirmed with the vendor ( XXXX XXXX. ) The conversations, as I understand it, were document by XXXX and they do not dispute the fact that I reported this. 

I followed up on a monthly basis for appoxiamtely 4 months until XXXX stopped corresponding. 

on XX/XX/XXXX I again noticed a charge from XXXX XXXX for {$69.00} for a re-curring membership. My first thought was, part of the reason we re-issued a card was so XXXX could not re-charge my card in the future. 

After a one hour phone conversation, XXXX was able to conference call XXXX XXXX and finally cancel my account and refund this years charge. 

Last years charge has never been 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 07-11-2016 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I requested copies of all documentation on file. All I was sent was the cover signature sheets that show XXXX disbursement amounts and they provided zero documentation showing billing proof of record from XXXX XXXX University or the original contractual agreement from XXXX XXXX. I feel there is some seriously fraudulent activity going on here and I am requesting help from the CFPB to review NorthStar, XXXX and XXXX XXXX University. I reached out to XXXX XXXX University and they only provided XXXX document showing XXXX disbursement on the form. They have no others on file which means the additional are fraudulent and need to be removed unless they can provide me the correct information to support it.

Company response to consumer: Closed
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (CA).
Issue: Settlement process and costs

Complaint: I was part of a XXXX.settlement : Consent Order AP File No. XXXX ( See attachment ) On XXXX XXXX I called and spoke to a service person at the XXXX number listed on the letter because the email address listed was not working. I was told that I will be receiving a check in the amount of {$490.00} and I I have not received the check. I called today to check the s status and was told that I need to place the status request using the email : XXXXXXXXXXXX. I did that and I received a response stating the email is no longer being monitored and I need to call the number XXXX. 
So I called again and this time I was told I need to contact the CFPB because XXXX does n't have check status info. I called your agency and was told I need to get the info from XXXX. I want to file a complaint and have you research this matter on my behalf because I believe there is fraudulent activity taking place since I have no check and I ca n't get any info from them. Please look into this and respond back to me ASAP with an update. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Settlement process and costs

Complaint: I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX

Company response to consumer: Closed
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: My wife, XXXX XXXX XXXX, was unable to obtain a copy of her free credit report online through annualcreditreport.com She was then instructed to call in to obtain a copy of her free credit report. As of today she has not received her Transunion 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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly

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 10-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter dated XXXX XXXX, XXXX from Portfolio Recovery Associates, LLC trying to collect from a XXXX XXXX XXXX XXXX. account that has been closed for and satisfied for years. This account has not appeared on my credit report in years.

Company response to consumer: Closed with explanation