milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AR Resources, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My complaint is n't about phone calls, but I believe " communication tactics '' was the closest to my complaint. My main problem is with the Debt Collection Company, the lesser complaint is with the school. 

I 'm currently in a dispute with my local community college regarding a small debt, either {$49.00} or {$79.00}, depending who I speak to. In XX/XX/XXXX I took XXXX XXXX XXXX classes and paid upfront with my credit card. One of the classes was canceled, and I was refunded the money for it. XX/XX/XXXX I received in the mail a small slip of paper saying in part : " Dear XXXX, Please be advised you have a past due balance with XXXX for a XX/XX/XXXX XXXX ... Pay by XX/XX/XXXX '' It did not look like a bill or invoice and my name was not on the slip or the amount owed. I called the college that day and spoke to someone who could n't tell me what class I owed for or provide any of the normal information that one would find on a bill or invoice. The woman I spoke to promised she would do research and get back to me, which never happened. 

I must point out, that I 've never been a matriculated student at this college or had a student loan. I registered and paid for XXXX XXXX classes in XX/XX/XXXX, attended XXXX, the XXXX was canceled, and the money for that class refunded. Also, the paperwork seems to indicate this " debt '' was for something in XX/XX/XXXX, and I never registered for or attended ANY classes in XXXX. When I got the notice from the debt collector, I called the contact for the college on that notice and failed to receive any meaningful information that would indicate I owed them money. The woman was " too busy '' to explain it other than to say that XXXX people in her department looked at the paperwork and agreed I owed them money. I responded that they should send me a proper invoice if they have such paperwork. 

At any rate, they sent this alleged debt to AR Resources Inc., and their first contact with me by mail, they sent the notice to an old address. The address is from at least 25 years ago or more. The XXXX college does not have this address on their records, so I believe AR Resources Inc deliberately used an absurdly old address so I would n't get the notice. The reason I got the notice, despite the old address, is because I still live in my home town and people in the Post Office know me and where I live currently. 

I can not stress strongly enough that AR Resources Inc had to deliberately do EXTENSIVE research to find this address. It 's not a simple clerical error. The house number they used was from the pre-XX/XX/XXXX era. Not before XX/XX/XXXX, but literally before my town had XXXX service, you know? When this address was valid, if you needed the police or ambulance, you would have had to dial the XXXX DIGIT PHONE NUMBER ON A ROTARY PHONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was dismayed once I looked at my XXXX, Experian and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I  already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on 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 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.

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 01/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in the Public Service Loan Forgiveness Program ( PSLF ). I have been enrolled in the program and working for a qualified employer since XX/XX/XXXX. Despite submitting appropriate records including Income Based Repayment forms, annual certification forms for the PSLF program, and being enrolled in the direct debit program, XXXX XXXX XXXX still has not calculated my payments correctly. My loan was transferred to XXXX from XXXX in XX/XX/XXXX. The payments I made with XXXX are not being counted and all the qualifying payments I have made with XXXX XXXX are not being counted correctly. I have spoken with this company 9 times since the spring of XX/XX/XXXX and this situation is still not corrected. My employer has spoken with them twice and given them my correct employment start date, but my qualified payments are still not correct. Based upon my calculations, I should have made 33 qualified payments, but XXXX XXXX servicing is only crediting me with 14.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has put me in a position where, for the rest of my life, I will need to subscribe to pay-for services that can monitor my credit from being used inappropriately. The breach of their systems and divulging of my personally identifying data illustrates a patent disregard for the sensitive nature of the information they were collecting from me as a consumer of financial services. Their proposed resolution is one year of credit monitoring using a service of their design, which also uses haphazard security identifiers of its own. Following this, I will be asked to subscribe to their pay-for service as a means of monitoring and repair in the future. 

I am a young adult and the implication here is approximate : {$20.00} per month XXXX 12 months for the next ~60 years or roughly 15 thousand dollars. 

Something has to be done here for all the Americans affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cogent Road, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: theses are hard inquiries on my report.That needed to be removed.      XXXX   XXXX   XXXX   XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this twice with Transunion started in XX/XX/XXXX in the amount of {$160000.00}, for our home mortgage credit report stated 36 missed payments. They have sent me paperwork once stating that I was correct, since I have checked my credit and it has not been changed this is severely hurting my credit. According to '' XXXX " we are current on mortgage payments. I mailed copies on XX/XX/XXXXof the second dispute with Transunion.

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 07-12-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Wells Fargo Card Services  closed my Credit Card account for no reason after sending a claim through Consumer Financial Protection Bureau in regard an overdraft on my checking and saving account. My  Saving a ccount had been closed for 3 months now and they did n't close my credit line, now because I 'm trying to protect my rights and I 'm complaining about them, they closed my account. My voice needs to be heard, and it will because I 'll make sure of it. Customers need to be protected by they right and they need to do they right thing, not what they think is right. I think this is  XXXX  of those cases where Bank employees, because that 's what they are, employees abuse power and diminish citizen rights. Is this something a customer ca n't do anything about? I really need this Bank punished for how they treat customers and I 'll be complaining with every and each protection agency that had ever existed in the  U.S. W atch 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 05/27/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I had disputed multiple late payments where my student loans should have been on deferment. I 've resubmitted it multiple times and finally had them remove the remarks and disputes due to trying to get an fha home loan. Still the disputes took WAY longer than 30 days, some of them were still open from 3 years ago. They repeatedly advised me of dates my deferments would end but started reporting those dates as late with XXXX XXXX XXXX. I 'm actively paying the loans now as deferment is no linger required but it has decimated my credit report by the tune of 51 late payments. I should have none for two reasons. One, it took more than 30 days to complete the disputes and two, my loans should have been on deferment anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (NM).
Issue: Loan modification,collection,foreclosure

Complaint: My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capital Accounts has no legal right to collect/ report on this alleged debt that 1. I have no contractual obligation to Capital Accounts for charges that were paid by insurance. 
2. Debt is past statute of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.

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 01/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a Walmart card total credit limit was XXXX. I paid XXXX in XX/XX/XXXX, they closed my account after I made this large payment. But they continue to charge my bank and take money out. The balance I owe was {$67.00}. Walmart has taken  that amount over 5 times and I have proof. It is on my bank statement. Recently, they took {$73.00} in XX/XX/XXXX although my account is paid in full. According to my credit report. WHY IS XXXX XXXX continually taking money to put in an closed account, now they are saying I owe them {$130.00}. HOW? I HAVE NOT USED THIS CARD IN ONE YEAR AND MY ACOUNT IS PAID IN FULL WHERE IS MY MONEY GOING OR IN WHOSE ACCOUNT. Something is not right here plea.e investigate. They already caused my credit score to drop by closing my account, Now this. SOMETHING IS NOT RIGHT, what rights does a consumers has please help! 

On the attach document shows Walmart ACH means automatic payment in XX/XX/XXXX of XXXX they are just taking money for me, why. I have XXXX children and need to build my credit to get a house and unhonest company is hurting the small man.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXXUs Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXX XXXX {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} OpenedXX/XX/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 non-monetary relief
Consumer complaint received 05-09-2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They are also calling XXXX XXXX XXXX. I have received repeated calls and have received a call today at XXXX with a documented voicemail left at this time. 

The organization is Check Into Cash XXXX XXXX XXXX, they represent a title loan company. 
Customer Service Department:XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CO).
Issue: Can't stop charges to bank account

Complaint: ace check cashing has been trying to withdraw money from my bank account multiple times every month putting me in even more debt because of the overdrawn fees that come with my bank. I have got some harassing phone calls from a unavailable number stating that they are going to send me to jail for 15 years if I do not pay them. I was even told by the person from Ace Checking that if I did not pay them today that they would send a police office to my door and arrest me. I get at least XXXX phone calls a day from them sometimes at XXXX I have told to stop calling me and to send me any information that they have to me by mail. I have even sent a letter to their company by certified mail telling them to stop calling me, but to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (PA).
Issue: Making/receiving payments, sending money

Complaint: For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.

Company response to consumer: Closed