milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: hello- I had fraudulent activity on my bank accounts. I initially reported it through the XXXX number for my bank. The bank verified the deposit online. I was applying for a loan with a 3rd party. I did a 3 way call with the bank and the third party to verify my account and provide access. Mobile deposits that the bank deemed fraud were deposited to my account without my knowledge. When I noticed the first one I thought it was an ACH, then realized it was a check. I then called the bank and they went over the check stating that the routing and account number on the check were valid, since then those checks were returned to maker stating they were fraud. The bank has been uncooperative in my fraud claim and I have called numberous times over the course of 3 weeks to verify my account status. I was told my balance would be XXXX once they balanced my account, then I was told at a later date that acct was a negative XXXX. The bank has not provided me with any statements to verify what activity was mine and what was not mine. I initially reported the Fraud on XX/XX/XXXX to my bank, still now, they have not cooperated. I also called the police for the checks and there is an investigation. This uncooperation from the bank is impeding on my ability to recover funds from this fraud issue I am dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Trouble during payment process

Complaint: I am submitting a follow up complaint. After deception regarding a forbearance Wells Fargo then stalled the process when I was able to pay off the entire balance as of XX/XX/XXXX. They finally ( thru their lawyers ) submitted an offer to end it ( Attached ). I wired the payoff ( Attached ). It is now XX/XX/XXXX and they send a letter saying they " expect to complete our work by XX/XX/XXXX ''. They also say they may charge their " loss '' to us as taxable income to us. I argue they had no loss until they began refusing to accept our money and continued to drag out the payment acceptance. They ignore my requests to be contacted via email. They only call, leave a message, and can not be reached. I requested email in order to have documentation as I have learned that what they tell me on the phone is not what is what their intentions are.

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 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PIONEER CREDIT COMPANY, INC. (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This person claiming to represent pioneer credit called both my children and discussed a debt that i supposedly owe this company. This loan is not only XXXX years old ... it was paid off with my XXXX insurance i took out on the loan

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 11/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Experian that I have been a victim of identity theft. The following accounts do not belong to me : 1. XXXX 2. XXXX 3. XXXX 4. XXXX Please assist me in getting this matter 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 non-monetary relief
Consumer complaint received 06/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Portfolio Recovery is the debt collection place and they havent stopped blowing up my phone since XXXX, even after changing my number, blocking every number they call from. Last phone call was on XXXX XXXX, XXXX at XXXX. They know I have had my identity stolen and am going through the XXXX process and they still wont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached a letter for the following Collection Account Companies.  Please dont take this message as a threat or any form of disrespect. You have been reporting the wrong information to the credit bureaus. I have caused total distress and my mental clarity. I am working with an investigator because I was affected by the recent credit breach. It seems to me that your company has violated my rights without my consent. I am unaware of any accounts or contracts between me and your company. I have filed a lawsuit and we are set to appear in front of a Judge in XXXX 2018. You will be notified by my lawyer moving forward. I have made attempts to contact you by certified mail and to be ignored. I kindly ask that you not harass me anymore I am distressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Auto) with City Enterprises, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AP).
Issue: Problems caused by my funds being low

Complaint: I accidentally chose my bank of america account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Bank of America is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want BOA covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.

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 01-11-2018 about Debt collection (Medical debt) with Patient Accounting Service Center (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX. 

on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action. 

For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been dealing with this for about XXXX years, this is the XXXX collection company that has attempted to collect this debt. I have work with the other XXXX and they determined it was not mine and ceased collection action. This company diversified consultants, reported me to the credit bureaus even though I let them know in writing before the 30 day time frame and called them to explain the situation. I asked them for the supporting documentation and they did not send anything over as I know it does not exist as it is not my debt. I have reached out to them to have them remove the negative report on my credit but they have yet to return my call or reply to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX, XXXX A FRAUDULENT ACCOUNT, XXXX XXXX  XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, an account was fraudulently opened in my name & social security number with XXXX XXXX. I was alerted to this issue by my credit monitoring service with Equifax. XXXX XXXX was contacted and the account was closed as fraudulent prior to the card being activated or used. XXXX XXXX communicated in writing on XX/XX/XXXX and indicated the above referenced account was to be removed from my credit report. The account has been removed however the inquiry, which I did not authorize, has not been removed from my Equifax credit file. I have disputed this issue with Equifax XXXX times and each time the result is as follows : '' We have reviewed the inquiry information for XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I have contacted XXXX XXXX and they indicate that they have informed Equifax to remove this inquiry and record on XXXX XXXX and can not do anything further and that I should contact Equifax. 
Equifax when contacted as per XXXX XXXX responds that they are unable to do anything and that I need to contact XXXX XXXX. The finger pointing has been occurring since XX/XX/XXXX ( 60 days after the official communication between XXXX XXXX and Equifax XXXX. 

I want this un-authorized inquiry removed from Credit Report as it has affected my FICO Score, decreasing it XXXX points on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Billing disputes

Complaint: After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently obtained copies of my credit reports and I noticed The company Portfolio Recovery. I have no idea who they are and I do not in any way owe them anything. Upon investigating this issue I found that Portfolio Recovery is not licensed to collect a debt in the state of Georgia. Therefore they are operating illegally by attempting to collect this inaccurate debt from me by reporting it on my credit files in an adverse capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with North Shore Agency, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is sending me unwanted letters for a debt i do not owe. i have no knowledge of this debt and it does not belong to me. i have for the last several years been a victim of identify theft due to my social security being disclosed as part of government data breaches at the Department of Veterans Affairs and with XXXX. I've spent the last two years trying to reclaim my identity and these types of unscrupulous collection agencies are not helping.

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 08-02-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (HI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My wallet had been stolen from me on XX/XX/XXXX, around XXXX PST. Once I realized my wallet had been stolen, which had my Victoria 's Secret Credit card in it, which is issued by Comenity Bank, I called the toll-free number provided by Comenity to report my card stolen. Customer representatives were not available, but an automated service provided the option to report my card stolen. I followed all the correct prompts but at the end of the prompts, the automated service told me it could not assist me with my reporting my card stolen. I called again, and followed the same prompts to report my card stolen and was told again that the automated service was not able to report my cards stolen. So, I decided to wait to call back when a customer service rep. would be available. A week later I received notification from XXXX, that XXXX and XXXX reported there was a change to my account, which was that my Victoria 's Secret credit card account had been closed as of XXXX/XXXX/2017.
I reached out to Comenity Bank who confirmed that my account had been closed by their automated system, and the only option to remedy this was for me to re-apply for the Victoria 's Secret card again. I have been a cardholder with them for 4 years. Even though the mistake was their own, they had no solutions to remedy the injury they caused me. Now, I have a closed account on my credit report because of a mistake that their automated system caused. This will impact my credit score, and I refuse to reapply because reapplying for the credit card will also affect my credit score when it pulls a hard inquiry to determine my approval for the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I requested numerous time to Navy Federal Credit Union for a modification, refinance or short sale of my home from XX/XX/XXXX through XX/XX/XXXX and believe deceptive debt- collection practices I lost my home and ruined my credit.

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