milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I am a new XXXX in MA and my pay is low relative to the cost of living in MA so I actively manage my accounts to make sure i do n't have overdrafts. Recently, I discovered Citizens Bank has XXXX ledger accounts. XXXX for the public which has a delay in reporting over the weekend and another which is in real time, which is not available to the public. I had XXXX overdrafts according to Citizens bank. My online account shows i had money in my account but their ledger shows I did not. Whereas I do not make a lot of money, if feel that I am being targeted by this bank for unjust fees because I ca n't keep a large balance in my account. It is an unfair practice that my account is assessed fees and they keep a separate ledger to take advantage of people who do n't make lots of money and ca n't maintain large account balances. I called the bank to get my money back but was flatly refused. This is a deceptive practice to make money and the this practices needs to stop. The public should have access to the same info they use to track funds. Not only do n't I have access to this real time ledger I ca n't even dispute their claim. I have to rely on their information even though my information, provided by them, does n't show my account going into the red.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  leaked my personal information. Please help protect me and all other Americans affected.

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 04/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (GA).
Issue: Taking out the loan or lease

Complaint: My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  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 explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (I do not know) with Mary Jane M. Elliott, P.C. Attorneys At Law (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received notice of a hearing from the attorney for a motion to renew judgment on a very old debt. 

The attorney is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX Fax XXXX. 

I ca n't recall why this amount was owed, etc. and it was never explained to me. I knew from ten years ago that a judgment was made and unfortunately I was unable to attend the hearing because I was moving from my original address in XXXX, MI at the time. I am now living in XXXX County and the hearing is in XXXX County. I received notice from the State of Michigan that she seized my Michigan State tax return in XXXX. 

The upcoming hearing is XXXX miles away from my home residence, of which Mary Jane Elliot et. al is well aware. The notice is dated XXXX XXXX, XXXX and I did n't receive it until XXXX XXXX, XXXX, so I have n't been given adequate time to prepare a legal defense. 

They are also charging me {$960.00} in interest on a {$690.00} balance for a total of {$1600.00}. I feel this amount is ridiculous, especially since I never acknowledged this debt and the statute of limitations has run out long ago. 

I feel that ten years of having my credit report ruined and fear of the unjust actions of this firm for a false debt is more than adequate a price to pay. They have done nothing to provide proof of the debt or get my voluntary acceptance of it. This is the first I have heard from them in years. The original judgment was in XXXX. 

As Mary Jane Elliot et. al must be aware, I have limited resources to respond to her lawsuit. At the very least she should be suing me in a court near my residence not somewhere I have n't lived in a decade. 

The case number is XXXX in the XXXX District Court before the Honorable XXXX XXXX XXXX on XXXX XXXX, XXXX. 

In closing, I would like to comment about the importance of protections to safeguard the rights of consumers from the unethical actions of creditors such as Mary Jane Elliot et. al. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have received the response below from Transunion. They send me another copy of my credit report apologizing that they made a mistake on the previous report they sent me. The phone number for the creditor is invalid., it is impossible for me to contact the creditor and verify the information that is reflected on my credit report. A representative from Transunion told me on a recorded line that the number was not working and that I should contact Transunion by mail. I am still waiting for the correct information from Transunion from the creditor. I have attached a copy of the most recent report I received from Transunion. 

TransUnion said : Explanation of closure In order to protect your privacy, we have mailed a courtesy copy of your TransUnion credit report to the current address we have on file for you. Please review and provide us with the exact information you believe to be inaccurate. You can expect to receive your report approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit XXXX for frequently asked questions about your credit report. 

Response After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
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: Transaction date : XXXX2017 Card type : Visa Transaction type : Purchases Merchant description : XXXX XXXX Merchant information : XXXX, AR Offer ID : XXXX Reference number : XXXX Merchant Name : XXXX XXXX refused to refund {$74.00} to me for defective product

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 04-01-2017 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (TX).
Issue: Money was not available when promised

Complaint: On Wednesday XX/XX/XXXX, I set up a sales post on XXXX to sale my vehicle. XX/XX/2015 XXXX XXXX. ( This was my first time ever posting anything to sale on XXXX ) At XXXX the same day, I received a text notification to my cell phone from an individual who claimed the name XXXX XXXX from Indiana, who said she was interested in my sales ad to purchase the vehicle. She texted that she could not talk over the phone due to XXXX of being XXXX. So we communicated concerning the vehicle via text. She agreed to purchase the vehicle as the said price of XXXX by way of XXXX deposit. However, at the time of purchase, she sent me multiple emails on behalf of XXXX, that for security purposes between the buyer and seller, that I had to pay XXXX upfront to cover the fees for car pick up, shipping, and delivery, which she claimed was included in what she transferred to XXXX ( total of XXXX ). The assumed claimed agent over the account was XXXX XXXX. After transferring the funds through Walmart2Walmart money transfer, no funds were officially sent to my account and she took the {$1300.00}. In addition, she asked for another {$920.00} to cover insurance costs in having the vehicle sent. The entire situation was very frustration and deceiving. I was totally thrown off by this and really want justice from this. I have saved every email received and receipts.

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 08-03-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I been working with this company since 2012 for a modification. i kept paying and she kept saying we were good then sale dates were postponed. now we lost the house. And I now have to move and get my things out and still waiting for a answer of what to do.

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 01-06-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.

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 01/15/2018 about Debt collection (Credit card debt) with CCS Financial Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX XXXX debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by XXXX XXXX XXXX. I went on XXXX XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from XXXX XXXX XXXX to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on XXXX  leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the AMEX card. 
When Credit collection Services called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from XXXX XXXX XXXX, I owe them nothing. I think this charge of {$890.00} is a false charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I mailed proof of payment of {$180.00} to collection agency it was paid directly to XXXX XXXX XXXX which I still have as phone carrier I sent collection agency receipt of payment

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: AAA accepted and cashed a check in full and final satisfaction which is a written contract accepting final sum. They refuse to stop billing and are now assessing penalties and interest and sending me another card and another bill despite the fact that I have communicated with them to discharge and close out this credit card. 

See attached

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc.
This data breach has resulted in [ 2 ] fraud transactions, one from XXXX XXXX ; both have been handled by my credit union 's fraud department resulting in emotional duress and time loss. 
As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. 
Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a unsecured website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 
This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Installment loan) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing the loan or lease

Complaint: Santander Bank Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. In XXXX of 2014 they marked the payment late for 30 days when they received it on time for credit reporting on XXXX XXXX 14. Yet the statement shows received on XXXX XXXX 14 and processed XXXX XXXX 14. Something similar happened in the next month. The payment was due on XXXX XXXX 14. However that date was on a Sunday. Santander processed on the Monday XXXX XXXX 14. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AR Resources, Inc. (FL) (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being called a minimum of 3 times a day from the same company. they are using XXXX different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to get a report for/ my indemnity thief report. I need for the police report and the district attorney office. I have been out of the county from XX/XX/XXXX to XX/XX/XXXX. I have given the company everything they asked for. I still ca n't get a report. Thank you.

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 08-08-2015 about Debt collection (I do not know) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency has placed a negative trade line on my credit reports indicating I owe them, or the original creditor they represent, money. I have not received any notices in the mail regarding this account nor was I given the opportunity to dispute the validity of the debt. Once this trade line appeared on my credit reports, I sent a certified letter to this collection agency requesting validation of debt. I have received no response. I sent another certified letter to them informing them I intend to sue for violating my rights under the FDCPA. I still have not received a response. The trade lines are continuing to appear on my credit reports even after I have presented the letters to the credit bureaus. Collection activity continues to occur after I requested validation. The lack of action and/or response by this collection agency demonstrates noncompliance with section 809 of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (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: I originally had an account with capital one back in XX/XX/XXXX I could not pay the card off so my account went into a charge off status capital one sent my account to a collection agency called XXXX XXXX XXXX XXXX and I made a settlement agreement the original balance was for XXXX XXXX XXXX settled the account with me for a total of XXXX the first XXXX dollars I paid on XX/XX/XXXX and the second payment of XXXX was going to be paid on XX/XX/XXXX I called client services on XX/XX/XXXX to make my final payment and I was told that capital one took the account away from them. Capital one has a payment of XXXX dollars from me this is unacceptable and I want this situation resolved. I have been trying to call XXXX XXXX at Capital One to resolve this but she has not returned my call.

Company response to consumer: Closed with explanation