milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX / XXXX /  XXXX  , a payment was made in the amount of {$2300.00} which would have paid off the balance on  my PayPal Extras Master Card.      On  XXXX , I received a credit alert that my score had changed. I looked and realized the balance o  n my PayPal Extras Master Card still showed a balance and it showed it was late.
During that call with PayPal Extras Master Card, they told me the payment was cashed and applied to an account that was closed. He told me he would notate the account that no additional payment would be due and that it would take 5-15 days for them to move payment from the closed account to the open account.
I continue to get notifications that I have a balance and they clearly have not put a hold or other on my account, so I continue to send payment to prevent my credit score from falling.
A Case ID ( ticket number ) was provided to me by the asso  ciate during this call.      XXXX / XXXX /  XXXX   : I phoned to check the status of payment and they told me the account was not notated properly and that it would  take 5-15  days to reapply the cashed funds to the correct account.      XXXX / XXXX /  XXXX   : I phone d PayPal Extras MC again to check status and again, I was told the account was n't properly notated and that the clock would reset and it would take another 5-15 days to  apply the cashed payment to the proper account.     It feels highly inappropriate for a publicly traded company to post payment and stall applying those funds to an open account and continue to charge me interest and late fees for an account that would have been paid off. Their stall tactic benefits only them and it clearly a violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.

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 04/13/2017 about Payday loan () with Rosebud Economic Development Corporation (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: they called this an installment loan, but it truly is a payday loan. 
It started with my back wallet, and they said they had to transfer my account to my quick wallet and the mess seems to never end. I was a bit despirate when I took out the loan but did n't realize the XXXX I would end up in. the loan was XXXX. So far since XXXX I have paid XXXX and they have only taken {$30.00} towards principle. I sent them a notice that they are no longer authorized to take monies from my checking account, but I will be closing my checking account this weekend. They said they will settle for an additional XXXX in three payments, and I said no. I feel like I am trapped but they already have gotten 272.5 % of what I borrowed back since XXXX/XXXX/16. I felt I had no choice but to persue a complaint to stop this. I just do n't know who can help and they refuse to give me an address to send a certified letter. Also this was done on line and I have no access to the paperwork either, I asked them to mail a copy to me and they refuse.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX reporting agency 's are reporting incorrect information on my credit report and have caused me to loss jobs, etc. The following are the XXXX report numbers that I disputed with them : XXXX, XXXX, XXXX. I have a XXXX on my credit report and it is not my account. I was at XXXX time an authorize user on this account and have asked to be removed from this account. All three reporting agency 's are reporting this account as my account when by law I have no ties to this account. I contacted XXXX and they said I was only an authorize user at XXXX time and asked them to remove me. I also asked all three credit agencys to remove me and they will not remove this account. I am attaching my recorded statement that I took of my conversation with XXXX and what they said that I am not the owner of the account at all. I need your help in getting this account removed from all three reporting agency 's. The XXXX account # XXXX I also have an account on my Equifax report that shows as XXXX XXXX as an authorize user and they will not remove it also. The creditor XXXX XXXX told me that they will remove it completely and after disputing to have this remove with Equifax they still will not move this account. XXXX and XXXX removed this account. The XXXX XXXX account # XXXX Please assist me in this investigation as the XXXX agency 's will not correct the first XXXX and Equifax will not correct the second XXXX. This is my last chance to try to get this corrected before hiring an attorney. 

If you could assist me I would appreciate it. 

Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX 2015 I disputed a Optimum Outcome {$400.00} debt with XXXX due to no knowledge of the debt and it was removed from my credit report. In XX/XX/XXXX I then disputed the same debt for the same reason with XXXX and it was not removed. I never received any documents to verify this being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: The below disputed charge from XXXX was rebilled to mystatement. 
Can you please let me know why this disputed charge hasbeen rebilled again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problems caused by my funds being low

Complaint: I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with MRS BPO, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Student loan (Non-federal student loan) with ConServe (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX college send me to collections, after having a payment arrangement with them. half of the money was paid and I had payment scheduled for pay off. When the school without previous notice send me to collections and the amount owed now is doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (ME).
Issue: Credit decision / Underwriting

Complaint: I have applied for a HELOC loan through my primary bank ( TD Bank ) XX/XX/XXXX. I have lost faith in my bank where I have XXXX accounts, longevity and credit scores pushing XXXX! The communication has been non-existant and I do not know where to turn. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 1 Tax Lien XX/XX/2015 not mine XXXX Tax lien XX/XX/2015 not mine XXXX XXXX not mine XXXX Specialized Loan Home Equity not mine

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 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid to the original debtor. Apparently this company purchased the debt and continues to try to collect on it. We have disputed through all three credit agencies and now the company refuses to remove the dispute comments. This was handled by our attorney and was dismissed by the judge. Please see court case information below. The company could not provided validation of the debt in court and it was agreed to be dismissed. 
XXXX - LVNV FUNDING LLC V XXXX XXXX ( E-CASE ) XXXX/XXXX/2013 Dismissed by Parties PLAINTIFF 'S ATTY FILES DISMISSAL WITHOUT PREJUDICE AT PLAINTIFF 'S COSTS. CASE DISMISSED -- -COURT DATE CANCELLED. /NB Filed By : XXXX XXXX XXXX XXXX Behalf Of : LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Dear  Mr.President, Good  Afternoon. Im reaching out because I have a dilemma with my current account. On  XXXX   XXXX , I noticed there was a debit of approximately $  XXXX  in my  Citigold  checking account. After calling up the Citigold line, I was told this was related to a lien from  XXXX   XXXX   XXXX . Heres a bit of the timeline :  XXXX , I receive a notice from the  XXXX  for a potential lien of $  XXXX . Its from  XXXX   XXXX . When my business closed, our balance with  XXXX   XXXX  was {$360.00}.    XXXX , I go to  XXXX   XXXX  court and file an order to show cause. The judge stops the execution of any liens, wage garnishments, etc.    XXXX , I call up Citigold customer service and they told me to contact  XXXX   XXXX   XXXX .    XXXX ,  I  fax over the order to show cause. It states that as of  XXXX ,  XXXX   XXXX   XXXX   XXXX  the  XXXX   XXXX  cant execute any liens, etc.    XXXX , I speak with Citigold relationship manager and puts me in touch with  XXXX .  XXXX  is very nice and helpful and wants to help. She stated she will call me back on  XXXX . I finally receive the bank hold execution from  Citi  ( almost two weeks later ).    XXXX ,  XXXX  calls me back and according to her management, they cant reverse the decision. They stated because they didnt know about the order to show cause, they executed the hold on my bank account. Unfortunately, the court order to show cause stops the lien, freezing of bank account, wage garnishments, etc.  <P/><P/> Why isnt Citi protecting the interests of its customers? There is a clear violation here. If the court order is stopping any action from the plaintiff, why isnt  Citi  helping me? I dont have millions of dollars, but Citi should be defending my interests. Why wasnt I notified electronically of the hold? I am bit confused as to why I am not getting the help I deserve. The plaintiff & Citibank has violated a court order. Regardless of the timing for the execution, I am in the right here. Please get my money back. I 've attached the order to show cause.  <P/> This is a very frustrating experience and annoyed that I have to do all this to get a desired resolution.  <P/> Appreciate your time and help.  <P/> Please contact me at  XXXX .  <P/> Sincerely,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Bank account or service (Checking account) with TRUSTMARK CORPORATION (MS).
Issue: Using a debit or ATM card

Complaint: My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian has given my information to companies not having a valid need for access and without my authorization. I contacted XXXX XXXX and XXXX XXXX ; and they claimed there is no record of contact from them nor am I in their system. XXXX XXXX and XXXX were, also, not authorized for access. The XXXX enclosed documentation has been disputed several times as the company, XXXX XXXX XXXX, can not show proof of debt. My records show a XXXX balance and they can not show a record for what the debt is for. Who wins on this one?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief