milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with Mendelson Law Firm (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired

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 08-05-2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On  XXXX - XXXX -2017 I asked Hyundai Via their website portal to stop communicating by phone as their calls were so frequent as they became harassing and annoying.
On  XXXX - XXXX -2017 a payment for {$450.00} was mailed out via EXPRESS mail with Saturday delivery before noon to their overnight mailing address.
On  XXXX - XXXX -2017 Hyundai called again, but this time was early in the morning on Saturday morning.
This is a violation of the fair debt collections practices act.
PLEASE CONSIDER THIS MY NOTICE OF INTENT TO FILE A SMALL CLAIMS LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: CITI Bank account XXXX. I have XXXX CITI accounts, this business XXXX was used only during the XXXX. When the {$75.00} annual fee came due in XX/XX/2016 ; I called to cancel. The rep said if I kept the card open the {$75.00} annual fee would be reversed. After 2 months I call to inquire why this had yet to happen. I spoke with the leader of team # XXXX in XXXX, FL, XXXX. XXXX said the rep other rep did n't note this reversal in the record so he refused to do anything. He suggested I close the account and would received a pro-rated credit of my {$75.00} ; which I did, however, no credit has yet been applied. Given CITI Banks record I doubt it will be!

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted transunion several times regarding this debt, this case was dismissed by the bankruptcy court on  XXXX / XXXX / 11 . I have also faxed transunion documents from the court showing case was dismissed and they still fail to remove this negative account from the department of Treasury from my credit file showing a debt for over {$6500.00}, the original debt is showing {$3900.00},  XXXX  and  XXXX  removed it and transunion still has this government fine on my credit 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 10/20/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX transferred me to his manager pertaining to my account with XXXX XXXX XXXX. I received several phone calls from GE Money bank in XX/XX/XXXX requesting payment on the account. Per the XXXX he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that XXXX XXXX failed to notify GE Money Bank that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Confusing or missing disclosures

Complaint: The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: I bought a bed in XXXX 2015 and used Synchronicity Bank to finance it. 
In XXXX I had not received anything in the way of a statement from thebank, so I called the mattress store nd they gave me my accountnumber at Synchronicity. I called Synchronicity and gave them mynew address. They told me they would mail the statement to me. 
Weeks passed, and still nothing.I call the mattress store and the manthere said not to worry, that there is a grace period. 
As of yesterday, I still receive nothing. I made a not to callSychronicity. Today, coincidently, they call me and inform me I have alate payment. I told the man I have asked already fo the bill and wasgetting ready to call them again. I paid the open amount XXXX {$440.00} XXXX viadebt card. I also gave my address AGAIN and requested that theysend me statements so I can pay this in a normal fashion. I asked thatthey remov the late charge because I had made a request for bill thatthey never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: XXXX XXXX XXXX have been re-aged repeatedly - see attached XX/XX/XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with RFNA, LP (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received some collection calls regarding a debt who does n't belong to me. I want the calls to stop and the debt removed from credit reports immediately. I ca n't keep received some calls of treated daily.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Problem with fraud alerts or security freezes

Complaint: I have previously had my credit report frozen on all three credit bureaus. 
Around XXXX/XXXX/XXXX I placed a temporary lift on all three bureaus in order to obtain a loan for a house. 
I received my bank statement and saw that EQUIFAXhad charged me {$5.00} twice. 
Today XXXX/XXXX/XXXX I attempted to obtain a refund via phone but was told that I had to FAX a cover letter, bank statement and two forms of ID. I informed them that I did n't have a fax and requested an email address that I could send it to. They stated that they did n't have one and that I could mail it. I asked if they would also refund me the postage and was told no. I asked for the EQUIFAX Public Relations Number and was given a phone number. This number turned out to be the Consumer Financial Protection Bureau. Was directed by the CFPB person to submit the claim here. 

I have included a bank statement with non-pertinent information redacted. 
Thank you as this is much easier than working through EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Payday loan () with Chaplain Financial Services LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: they keep calling me about this payday lone in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: experian and XXXX is repeatally sharing and opening old case that should bee close

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been a victim of identity theft since at least  XXXX / XXXX /  XXXX  . I filed an initial fraud alert with  XXXX  and they forwarded it to TransUnion and  XXXX . I received confirmations from  XXXX  ( dated  XXXX / XXXX / XXXX  ) and Trans Union ( da ted  XXXX / XXXX /  XXXX   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [   XXXX   XXXX   XXXX   ] Police Department )   XXXX    's i nformation notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmatio ns (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not  confirm my identity. In another case, because the system hung up on -- selling me -- my credit score a nd would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my transunion credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in th em.

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 11-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: My checking account was charged multiple overdraft fees even though I never spent more than the available balance in my account. 

I never authorized Wells Fargo to overdraft my account. If the money was not available, my card should have been declined. 

Wells Fargo misrepresented the available balance in my account which caused me to spend money that should not have been there. They overstated my account balance which was a mistake or an intentional misrepresentation. 

When I attempted to spend the money that was showing up as available my card was never declined which leads me to believe that I was tricked into overdrafting my account so that the bank could collect overdraft fees. 

I have XXXX and do n't track my spending very well. I do n't write checks anymore so that I wo n't bounce them. I set my card up so that it would be declined if I do n't have money. these XXXX things keep me from overdrafting my account. I know that Wells Fargo is aware of my proclivity to overspend based on my credit history, and they took advantage of that. 

One Night my available balance was {$20.00} and the next day I got an email that my account was charged an overdraft fee. I had n't spent any money since the last time I checked my account balance, so I knew it should have been {$20.00} balance, but my balancev was negative {$210.00}. It 's got even worse after fees were added. When my direct deposit posted it brought my balance up to negative {$61.00}. I have {$1.00} in cash right now. I have no idea how I will have food or transportation to work for the next week and a half.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: I have submitted disputes several times with Navy Federal Credit Union concerning accounts I held with Navy Federal Credit Union. XXXX continuously reports the disposition of the accounts incorrectly, and claims it is the data furnisher ( Navy ). Navy continues to claim it has correctly reported the accounts ( see attached documents ), but accounts continue to show late or " negative '' information in XXXX XXXX ( which is impossible as they were included in bankruptcy and closed XX/XX/XXXX ), and now most recently XXXX shows a balance and late for the past 12 months on XXXX account, which is impossible ( and illegal as the account was included in bankruptcy and discharged ), since the account was closed XX/XX/XXXX. It seems XXXX and Navy are not capable of reporting these accounts correctly, and would like the accounts removed, so that these mistakes do not continue. Attached is the communication between attorneys and Navy 's internal notes on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Not a duplicate Update-You are in violation of the FCRA in not deleting the late payments on XXXX account # XXXX. I have included this time proof, a corrected copy of my credit report from ( XXXX ) showing these late payments have been removed from their records. It is 9 months over due on your records. Please remove the late payments if you are still showing them on my account.

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 06/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I got just  XXXX  cell phone line through  XXXX  on  XXXX   XXXX ,  2016 . The agreed monthly payment was {$50.00}. I paid {$53.00} at the time when I got the phone. Before the end of  XXXX , I received the first bill for over {$100.00}. I sent the agreed on {$50.00}, and inquired what the additional amount was for. They did not reply, but sent the next bill for over {$100.00}. Again I sent and asked why they were charging me those extra money, but they never replied. Again I sent another {$50.00}, and this went on for weeks with no reply from them. I sent in the {$50.00} payment for  XXXX , but they cut the phone off on the  XXXX  of  XXXX  and kept raising the bill, until now they are sending me bill for over {$500.00} and even sent the bill to a collection agency so they can collect the over {$500.00}. Not sure what to do at this time, because I am a senior and they are only trying to rob me!   Also  XXXX   XXXX  sent out advertisement for TV in my area. I have them come out and did the installment after they informed me that the service will ha ve 20 channels including those in my area. The technician who did the work assured us that all my channels are  somewhere there, but when we searched, they gave me a lot of channels that were not in this area. They refused to come back and take their equipment, but just sending me bills for hundreds of dollars. I informed them from I discovered that they cheated me, although I paid them  about three months, and sent in a complaint for them to give me my local channels, or take their equipment ; the onl y reply from them is the high bills. Please do what you can to assist me at this time. Thank you so much

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 09/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My XXXX XXXX XXXX credit card XXXX XXXX Statement said that I needed to pay {$200.00} in order to avoid the deferred interest on my account. 

I paid {$210.00} on XXXX XXXX. My due date was XXXX XXXX. 

The company distributed my payment between three different balances, but nowhere in the statement, nor in the terms and conditions, was this business practice explained. 

I am therefore filing complaint for lack of transparency in the company 's method for allocating payments. In most credit cards, all transactions are added together and the minimum payment amount applies to the entire account, not individual transactions. I thought that I was paying both the minimum payment and the remaining balance on my transaction whose promotional period ended on XXXX I have consistently paid in excess of my monthly minimums. If the amount needed to pay off my expiring balance was clearly and transparently stated, I would have provided a large enough payment on XXXX XXXX to pay off the balance. 

I now have {$510.00} of interest charged to my account although my remaining balance was less than {$30.00}. 

I called the company and was told to formally file a complaint since the line manager does not have authority to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016, I authorized a debit from my account with my Walmart Credit card, in the amount of {$75.00} for the due date XXXX XXXX, 2016. I was leaving XXXX for my vacation last XXXX XXXX, 2016. I decided to mail a check for my XXXX XXXX due payments in the amount of {$75.00}. When I arrived after my vacation, They wrote me a letter, applying the check for XXXX XXXX due payment. Instead of my XXXX XXXX due payment. The balance instead of deducting my payments, it was even increased. For three months I was not using the credit card. Now my balance went up again because of the penalties, late payment as they claimed. I called them three times, to no avail, they are insisting on what they want. I wrote a letter requesting them to reconcile their records and waive the penalties and late payment they slapped on my account.

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