milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Unexpected or other fees

Complaint: I purchased  a PayPay de bit card at  XXXX  in  XXXX   XXXX , CA for {$3.00}. The monthly fee for the card was not disclosed on the packaging, and is obfuscated on the PayPal website.     The monthly fee f or a PayPal Prepaid car d is {$4.00}, and that monthly fee can not be avoided. There is no mention of the monthly fee anywhere on the  OEM pac kaging. The only way to get money off of the card is to activate the card. With  in 36 hours of activating the card, a monthly fee of {$4.00} is deducted from the price of the card. Given I paid {$3.00} for the card, the undisclosed monthly fee makes the effective purchase price of the card {$8.00}.
In the PayPal website deceptively obfuscates the monthly fee. While the fee is listed plainly as a transaction called " Debit : Plan F   ee MM/DD/YYYY '' ( e.g. " Debit : Plan Fee   XXXX / XXXX /   2017  ' ' ), t hat transaction does not show up when the user wishes to display only fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Installment loan) with DISCOVER BANK (CO).
Issue: Taking out the loan or lease

Complaint: I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My family is currently experiencing financial hardship and we are working very hard to keep up with current bills, past due bills, etc. Discover Financial has recently contacted my past employer and I feel that this is highly inappropriate. - This happened a few years ago, when it was n't even an actual debt, more like a misunderstanding with a loan I had paid off, and now that I 'm having actual financial difficulties, they are trying to reach me by contacting people I have n't worked with or seen in years. I would like to file a complaint about this debt collection practice. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). 
According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other transaction problem

Complaint: ORIGINAL TRANSACTIONS ( authorized ) Oldest to newest : XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE CHEAPSIDE GB XX/XX/XXXX - {$12.00} That is exactly how they appear on my credit union transaction history. The only information removed is my debit card number. These were authorized and acceptable. Now, here comes the problem. 

XX/XX/XXXX I check my history to find an entire double unauthorized set of transactions all posted at the EXACT same time but with slightly modifed decription : UNAUTHORIZED TRANSACTIONS : XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$20.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$15.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$10.00} XX/XX/XXXX Check Card : COINBASE TRAV FUNDS CHEAPSIDE GB XX/XX/XXXX - {$12.00} As you can see, they changed the charge and added " XXXX XXXX '' to it. They still have the original date at the end. These are NOT authorized in anyway. I have NOT made any purchases for virtual currency on XX/XX/XXXX. 

The original transactions POSTED and the money was REMOVED from my checking account via the debit card. The unauthorized transactions POSTED and the money was REMOVED from my checking account. 

I have sent in a ticket but haven't heard anything back and have Case ID : XXXX was on the phone waitning for a rep for an hour, heard someone breath, then got hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Dismissed Bankruptcy filed in 2008 has been removed from XXXX. Why hasit not been removed from Equifax. Typically when an item is removed from one reporting agency, it 's removed from all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They did not mail me a dummy letter with the option to have them validate the debt. Violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with DISCOVER BANK (NC).
Issue: Other

Complaint: Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Credit card () with BB&T CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: Branch Banking and Trust has closed my credit card account without any form of notification for having no activity for 12 months

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: cmre financial has a debt on my credit report. it has been taken care of by insurance. we have sent them several letters to show it was taken care of and they will still not remove it. it was taken care of XXXX/XXXX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!

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 01/16/2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX SUV Reposessed by Credit Acceptance XXXX - Judgment placed against me by XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance for Balance of Original loan less sold value, plus interest XXXX - XXXX Garnishment From wages to pay balance XXXX - Called XXXX XXXX XXXX XXXX stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. XXXX XXXX XXXX XXXX stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XXXX/XXXX/XXXX. 

Ive sent requests in writing to Credit Acceptance, and XXXX XXXX XXXX  XXXX for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with Credit Acceptance who said I needed to speak with XXXX XXXX XXXX  XXXX on the matter. XXXX XXXX XXXX XXXX could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XXXX/XXXX/XXXX, they have taken almost {$600.00} in additional garnishment.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have a collection account on my account without my knowledge for a company I do n't even know. I start received some collections calls on my cellphone any hours a days. I want this calls to stop and the debt to be removed immediately for my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (SC).
Issue: Taking out the loan or lease

Complaint: I need to update my claim against Mid-Atlantic Finance Company. I gave the wrong account number to my previous claim as they have sent me a letter when they purchased my automobile loan from XXXX XXXX XXXX 's buy here pay here car lot. They sent me information on a XXXX XXXX XXXX that they also bought from XXXX.My account number was XXXX.This loan was purchased without my consent and I did n't know about it until two months later made one payment to XXXX after this company had purchased my loan. They collected the car a few months later.I never received a letter stating they did get the car, when it was sold, and how much was left owing on this car.I am also being charged for more that was left owed on the car when they first bought the loan.I believe they have broken Florida 's state laws purchasing this loan without my knowledge, or consent.I never had a contract with this company.My contract was with XXXX.Which I paid for over two years without one single late payment.They also have broke the law by sending me information on someone else 's loan.I gave this car back, and I feel they never lost any money as they bought this loan for a higher amount that was owed on from the buy here pay here, and then they received the car back, and was sold again. This company has made several false information on my credit report, as I am a member in XXXX credit.They went back and searched my account and found where they went from not reporting anything on this closed account to changing it on terms of months when I purchased this from the car lot it was for three years.I only a year, or less left to pay they put in 360 months. They changed amounts owed.It was a little over XXXX XXXX, then XXXX XXXX, and now over XXXX.This company has several complaints, and lawsuits over their acts. I feel they have broke several laws trying to collect on money I feel I never owed this company anyway.I never signed an agreement with this company. They purchased my loan on XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is still reporting an account ( XXXX ) on my credit report. XXXX however has removed it as had reached the date for it to be removed from my credit report. I have contact equifax to please send me an updated report and they will not send me one. I also tried to dispute this account online through equifax website and was not able to do so. This account ( XXXX ) is suppose to be removed from my report. Having this still reporting is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.

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