milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: This complaint was previously filed un der Case No .  XXXX  and I have tried numerous times before that to get Bank of America to correct their records.     I continue to receive confidential information from Bank of America f or one of thei r customers.     I am NOT a Bank of America customer.   I DO NOT KNOW that customer.     Bank of America, in a letter to me dated  XXXX / XXXX / XXXX   XXXX  attached ), and in response to the ab ove Case No. replied, " Our records do not reflect you as an owner or authorized user on the account  referenced ... '' Exactly my point. So, why do you keep sending me information about that account of which I am not an owner??     Today,  XXXX   XXXX ,  XXXX , I received the following email from Bank of Ame rica ( origi nal message attached ) : " Dear  XXXX   XXXX  : The authorization code you requested is listed below.   Authorization code: XXXX  Please note that this code is temporary. If you try entering the authorization code and it has expired, you 'll need to request a  new one. . .. '' Why is Bank of America incapable of contacting their customer and finding out what the correct email address for this account is?     Instead, the Bank keeps divulging confidential information to me, who, as they correctly state, is neither an owner nor authorized user.

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 06/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 
I attended XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is the second time in the past 6 months that TransUnion is not reporting the correct balance of my student loan. TransUnion is claiming that XXXX is not submitting the correct balance and XXXX is claiming that the fault is with TransUnion. Need assistance resolving because this is negatively impacting my credit score for the second time this year. Both institutions are passing the blame and the customer service is is appalling.

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 06-06-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: We started an online advertising company XX/XX/2015. At the beginning we accepted debit/credit cards and PayPal for clients to purchase our advertising services. In XX/XX/2015 we had an issue with our debit/credit card virtual terminal because some clients were submitted false payments with unauthorized use of stolen cards. We immediately addressed this issue with XXXX XXXX XXXX who was providing the service for the virtual payment terminal, and at the end they decided because there were a few clients who processed fraudulent transactions that they would terminate our use of their payment solution. We understood the circumstances and then found out that they had place our business on a TMF list ( The Terminated Merchant File is shared among processors and acts as a blacklist, where merchants with high risk accounts or excessive chargebacks are put on the list and prevented from opening an account with a different credit card processor. ) Because of this act by XXXX XXXX XXXX for something we had no control over, PayPal continued to allow us to process payments through their processor for the next 2 months and then all of a sudden we receive an alarming email stating they would no longer be able to do business with us as of XX/XX/2015. When we contacted them to ask why they had frozen our account, PayPal stated that our business was put on a blacklist and they would be holding all the funds currently in the account and also went in to our personal accounts and attempted to pull money back. In the course of the time we were using PayPal we did over $ XXXX in sales through them and they reaped the benefit of the fees they charge to transfer payments etc. 
PayPal froze almost $ XXXX of our business funds and ultimately caused us to get behind on Payments to our clients using our services. They should not have frozen our account and held the money because initially when they accepted our business they went through a thorough review and decided to put a reserve of $ XXXX and take a percentage as a reserve on each transaction to cover any possible chargebacks. Instead PayPal chose to freeze everything and we were forced to let our clients know that we could n't pay them which created thousands of disputes. PayPal continues to do this to multiple businesses and personal accounts. PayPal currently has a class action against them for this exact reason ( XXXX v. PayPal Settlement ). PayPal has caused us to practically go out of business due to this and damaged our name and business tremendously. We attempted to work things out with them multiple times when this first happened, but it caused nothing but problems as they were not willing to release funds that were owed to us according to their terms and caused massive disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (Medical) with The Receivable Management Services Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from  XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My personal information was used without my authorization to co-sign on a auto lease for 38months. 
I wasnt aware until I received a letter in the mail regarding an early lease termination. 
The bank has the auto and sold the lease to another dealer. 
There is a remaining balance and the bank still wants me to pay for this while the primary lease holder is not owning this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of 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 explanation
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, XXXX I submitted correspondence to Discover Card because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Discover Card on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Medical) with NORTHLAND GROUP INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a XXXX back in XXXX XXXX from XXXX XXXX XXXX. This machine was put down under my medical insurance. In order to pick-up the machine, I had to give a bank account number and routing number and I was told that if my insurance did not pay for the machine I could be automatically charged thousands of dollars. 

I have been in contact with XXXX very frequently to find out if payment had been made on my XXXX by my health insurance. Often times no one answers the telephone at XXXX and I frequently had to leave a voicemail, or my wife did who has also been in contact with XXXX. I repeated game of " phone tag '' has essentially been going on for many months. Whenever we have been able to get in contact with a XXXX representative, no one can verify any information about what my health insurance has paid on XXXX and if anything is left owing. 

I started receiving a bill a few months ago for the amount of approximately {$130.00} that had duplicate charges on the bill for the same type of equipment ( e.g. mask ). I have been making payments towards this bill every single month. This month ( XX/XX/XXXX ) whenever we logged in to make another payment on this account it said there was a " XXXX balance. '' I had left several messages about having duplicate charges on the bill that was previously viewable online/digitally. 

My wife called again and again had to leave a voice message because no one answers at XXXX typically just to indeed verify that nothing was owed and that the account was at a XXXX balance. My insurance company had initially told me that this XXXX would be covered at XXXX % so receiving any type of bill from XXXX needed to be explained, but now receiving a bill or viewing the account online was showing that nothing was owed. 

My wife and I called XXXX and left a message and someone returned our phone call and left a message stating that the account was at a XXXX balance and they were indeed going to verify with the insurance that the XXXX was paid at XXXX % and they would be getting back with me. 

This morning I received a bill from a debt collector on behalf of XXXX XXXX in the amount of {$68.00}. I have been in constant contact with XXXX and making payments on the bill that I was receiving every month even with the duplicate charges. Every time we call XXXX, no one has been able to verify what was owed on anything. I just spoke with someone XXXX days ago who told me nothing else was owed on the machine, but now I have a bill from a debt collector on behalf of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
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: On XX/XX/XXXX I sent a dispute letter to CITI regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to CITI stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to CITI stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for CITI to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from CITI stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 05/22/2017 about Debt collection (Credit card debt) with Navient Solutions, LLC. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company  is reporting on all   XXXX  cr edit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have  (   XXXX   ) late pays on    XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, 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 01/30/2018 about Debt collection (Payday loan debt) with Bronstein & Weiss Arbitration (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Approx XX/XX/17 is when this started. XXXX would call 10-15 times a day. in XX/XX/2017 I stated getting calls from Weiss and associates at my place of employment. In XXXX when I returned to work after the break there was 10 messages. I called them back they threatened criminal  charges if I did not provide them a checking debit card to make payment arrangements. I asked them to send it in writing and told them I wasn't going to provide my debit card information. They said it was that or a prepaid debit card but that was my only option. They continue to call daily and block their number so it appears as unknown.

Company response to consumer: Untimely response
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of XXXX XXXX 2017 my credit score was XXXX. I applied for a credit card and it came back declined from XXXX XXXX XXXX due to the reporting agency Sagestream LLC reporting my score as XXXX in XXXX of 2017. I have NEVER missed ANY type of payment and have always had very good credit until SagestreamLLC was involved. I read other complaints of other people online having this same problem with Sagestream. I am very angry about this company having a negative impact on my credit.

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