milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that occurred in XXXX XXXX. The billing should have been for my daughter XXXX XXXX who was not my dependent at the time and not living in my home. I have never received a bill for the debt. XXXX XXXX XXXX XXXX billed me by assigning my social to my daughters name XXXX is XXXX/XXXX/XXXX and last XXXX of social is XXXX. My name is XXXX XXXX and DOB XXXX/XXXX/XXXX. This has shown up on my XXXX credit report for the last 3 years and been cleared by disputing it. Now XXXX says that they have checked with Commonwealth financial systems and it is my debt. 
I called on XXXX/XXXX/XXXX and spoke with XXXX at Commonwealth and he assured me that the situation would be rectified. As of XXXX the dispute says that Commonwealth Financial Systems confirmed it is my debt. I did speak with XXXX XXXX at Commonwealth who wanted me to send copies of my social security card and drivers license to them to verify. I will not give out my information to them as they are the ones that made the error and I am concerned about them breeching my privacy again

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Made a payment yesterday XXXX/XXXX/2017 on all loans federal and private. Checked my bank account today and the payments are posted. However checked my navient.com account and it says my loans are past due. The interest rates are high enough I do n't need fake late fees. Also when I spoke to someone why it 's taking so long to pay loans under {$5000.00} they said the payments knly cover the interest. I 've been paying these loans for 7 orb8 years already and feel like I 'm not getting anywhere. I attended both XXXX XXXX XXXX University. And XXXX XXXX the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my 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 non-monetary relief
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been unable to find work and suffered a XXXX two years ago and was diagnosed with XXXX. Since that time I have seen by loan amount sky rocket. I applied for income driven repayment but the amount is practically XX/XX/XXXX of my Social Security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I am 30 days behind, but I have but I have been making payments so I do n't get 60 days. They put in default for late fees I am not 60 days. How can they put me in default for late fees.? This company calls XXXX times a day. They customer service callers a threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (ME).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Around XX/XX/XXXX I ordered tickets for a vacation on my Discover credit card. I called then to see if they could give me 0 % and they advised not in the lurches I already made but there was a promotion going forward for 0 % for 18 months they could give me. I transfered the balance from the trip to another credit card to get 0 % and used the discover for purchases going forward being it was supposed to be 0 %. A couple months later I looked at my bill and noticed finance charges. That 's when I called and was told they had no record of this and could n't pull the call. I spoke to a couple different managers and was promised call backs several times before reaching someone that advised they would credit the interest and put it on the 0 % as quoted. She stated it was clear was the notes that is what I was told. This was around XX/XX/XXXX. I looked at my billing again this evening and once again there are interest charges so I called and spoke to a girl named XXXX who told me she was not going to give me the 0 % and interest is 15.99 %. I told her I want the call pulled and she said that wo n't happen because they only keep calls for 60 days. I have been lied to and manipulated into paying this company interest. I have several 0 % interest credit cards and would not be continuing to use this credit card if I knew I was being charged interest. My husband and I earn cash back by using credit cards. I want the interest credited to my account and the 0 % interest rate. I am willing to hire a lawyer and file a lawsuit itlf this is not rectified immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a call about XXXX and XXXX XXXX Credit card account being past due. I was willing to may a payment for the min amount due which did not know at the time so I asked the collector. He said the XXXX XXXX card was XXXX and the XXXX card was XXXX. He I should round up both amounts to just make it even. It was tight but I did it. This was about XXXX XXXX on XX/XX/2018 from phone number XXXX ( XXXX ) XXXX. Later that night I went online to check and make sure the payments are correct. Well I seen the payments were there but when I checked my statements I was surprised to see that my payments were {$45.00} not {$67.00} and {$72.00} not {$99.00}. I tried to cancel both payments because I could have used the money else were. I just wanted to make the min. I tried to cancel multiple times and couldnt because it was after XXXX. I was very upset at this point and that is when I decided to call customer service. The agent tried to help me but end up having to ask a supervisor. After waiting 20 min he returned and said he talked to the supervisor and the supervisor said that they will attempt to revise the amounts. I feel I was mislead. I asked to put a compliment in because giving me the wrong amount is not right and I feel like I was taken advantage of. I can only imagine if it was so easy to mislead me then this has to be an issue. The agent said that he knows it was a collector. I dont know if I should contact a lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with CITIBANK, N.A. (NV).
Issue: Billing disputes

Complaint: I purchased a mens ring online for {$600.00} from a company in New York XXXX named XXXX. I used my Citibank XXXX credit card. The ring would take 3 weeks to make, so I did some research and investigating about this company with XXXX and online reviews from previous customers. I was SHOCKED and HORRIFIED by what I read by the terrible and negative experiences customers reported. I immediately tried to reach out to the merchant by phone. I tried on different occasions to cancel the order, but I could not get a hold of them. ( mailbox full, non-working number, disconnected number ) Meanwhile, they send the ring without a tracking number by USPS. Based on their reviews and history, I decided to REFUSE the package XXXX. The mailman marked it " refused '' in his meter tablet, and it was returned to New York to the merchant. They received it, but are lying and said they did n't. I know for a fact they did. Meanwhile, Citibank bought into their lies, and reversed the temporary credit of {$600.00} I complied with all of Citibanks rules, and faxed them XXXX singed affidavid 's and a detailed letter explaining the circumstances. When I call Citibank to sort this out, I reach a call center in the XXXX. Then the girl has to transfer to the billing department in the states to some rude person who is not familiar with the dispute case number and tells me that a supervisor will call me. ( which they never do ) I have gone through this scenario a minimum of 10 times without any result. Citibank still refused to credit back the charges for merchandise that I do not have. I am reaching out to you because I am frustrated and sick over this. The dispute number is XXXX. My name is XXXX XXXX XXXX, and I am the authorized card holder. My telephone number is ( ( XXXX XXXX XXXX. As of today, I am out {$600.00}. Please contact them and try to get this matter sorted out. Thank you Sincerely, XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX veteran.

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 12/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was denied credit by XXXX creditors in the past two weeks ( trying to build my credit again ) citing Experian 's report that my answers during the verification process possessed fraud indicators. The problem is n't my answers, it is their questions. They do n't apply to me. They had questions about a home loan. I 've never had a home loan. They asked which year my home was built. Again, I 've never owned a home. They asked a question about XXXX credit companies that I have never had accounts with. They asked about a phone number that had to have been over 20 years ago since I 've used so I could barely remember if I checked the correct one. They have then reported to both creditors that there was an alert for fraud. I have never done anything fraudulent in my life! Experian needs to stop this now and correct the information they 're using to verify my identity. None of it applies to me.

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 05-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt in question is based fraudulent charges on a department store charge card in XX/XX/XXXX, a card we never used. We had just returned from living XXXX for XXXX years. I thought this account was closed. It is unclear how our account information was stolen, but it was. When we saw the charges on our bill, we claimed they were fraudulent and we denied the charges. XXXX XXXX agreed at the time soon thereafter. My credit report in XX/XX/XXXX listed the debt as " uncollectible due to fraud ''. In XX/XX/XXXX. Portfolio Recovery Associates, Inc. began to call me and this has continued to the present day. Every time they call I tell them clearly : 1 ) The charges are fraudulent ; 2 ) The department store agreed they were fraudulent ; 3 ) I will not ever make a payment 4 ) Do not ever call me again. My number is on the national do not call list. In the past few months I am now receiving XXXX or XXXX calls per day from people identifying themselves as from Portfolio Associates, but all with different phone numbers so it is impossible to block. This has moved well beyond annoying and is now harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Company refused to send me a settlement offer letter prior to making payment - asked multiple times and they kept hanging up on me after trying to transfer me to a manager. 

I asked for this to be removed from my credit report if paid in full due to the fact it is considered a utility bill and they refused and said that is not possible. 

As an American male of the age of XXXX I am aware of my rights and they refused to comply by them. 

After days of arguing with them I decided to pay the settlement in full - they barely verified any of my personal information which made me a little nervous about giving them my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I sent my complaint last week ... I Mentioned how they Dont answer, when they do answer u on hold for XXXX hours, every time I ask for a supervisor they transfer me to another agent, or they transfer me and I get disconnected, they wo n't give me straight forward answers I need answered, i got put on hold without knowing and how they lying on social sites this is all on top of whats going on with my account..I should have receive my paycheck direct deposit on XXXX/XXXX/15 to this date no check and today is XXXX/XXXX/15 no agent has called me or anything. Most of the rep just do n't say anything I 'm tired of this this is so stressful

Company response to consumer: Closed with monetary relief