milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: I was charged a monthly maintenance fee on an account that was once listed as " Free Checking ''. I never received notice of the account changing from a " free '' account to a " standard '' account - despite what the bank is saying. The new " standard '' account charges a fee of $ XXXX/mo if you do not meet certain criteria ( {$500.00} minimum balance ; {$500.00} minimum monthly deposits ; or XXXX years of age ), which my account did not meet. I did not observe this account for some time due to not needing to use it, and in that period of time I lost $ XXXX+ in fees to the bank. I tried to work with the bank in getting any of that money returned to me as no services were rendered, but I was not able to get anything from them, as they claim that the monthly fee is necessary for them to operate a dormant account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I feel XXXX XXXX ( Navient ) used deceptive practices while financing my degree. There was XXXX debt counseling as I applied for my first loan - the first day of my move in, I was pulled out of line at school and brought to the financial aid office and asked how I would pay for school ( 2003 ). Just turning XXXX, I asked them what do I do - the advisor instructed me to sit me down in a cubicle and dialed XXXX XXXX for me. Within a short time period, I had been approved for $ XXXX, after never holding a loan in my life. This became the norm each year which lead to $ XXXX in private student loans. Have tried multiple times to work with the lender for additional repayment options to no avail. I have currently paid $ XXXX towards these loans and the principle on the loans have only move by {$3000.00} ( from {$100000.00} to {$100000.00}. Roughly 8 years repaying and average payment of {$700.00} a month ). Multiple times I have called for assistance with the repayment and was pushed to a deference ( with capitalized interest ). I feel the company should work with high balance customers like myself to come to terms/agreements that work in both favors ( reduction in interest rate, fixed rate ). After research into this subject, it seems the only way to negotiate is through none payment and eventual default ( leading to ruined credit scores and potential loss for the lending company ). After paying more than {$40000.00} towards my loan, I should see a drastic decrease in overall principle. 

I believe I have experienced predatory lending practices in addition to deceptive allocation of payments and repayment recommendations from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I transferred {$5200.00} from XXXX exchange to my coinbase wallet, which is advertised as instantaneous. However the money is not in my wallet or available.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit card balances incorrect and credit limit

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 04/25/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with Seattle Service Bureau, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX. 
Date XX/XX/XXXX loss XXXX XXXX claim # XXXX Subgrgation calim amount XXXX Threatening to take license and vehicle tags. I was never involved in a auto accident! Nor with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with Rocky Mountain Recovery Group (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX/XXXX/2015 at XXXX CST I received a voice mail from RMR. In regards to my Husbands ex wife. I informed them I have nothing to do with her. They stated that she provided my number. told them she does not have my number and this is a cell phone to never call it again. I instructed this is a cell phone and not to call it again. On XXXX/XXXX/2015 at XXXX CST I received a call and voice mail form another number regarding the same company and same matter. I called the number back spoke to a very rude rep who stated that i had to wait XXXX hours for my number to be removed. Was told the computer called me advised them since they were informed this was a cell phone with no authority to leave message or call they have violated the TCPA. i spoke with a XXXX XXXX who was very rude. I am being harassed over a debt that is not mine and i have nothing to do with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing against Equifax due to having a breach and my information being leaked. I did n't know about the breach when I called the beginning of XXXX because I had to file for credit fraud due to over XXXX inquiries that are not from me. I had to get all new cards from my bank and credit cards. I am going through so many disputes because of this. My landlord wants to raise my rent because my credit score changed. I 'm still fighting this and no resolution or anything from equifax. I just want my credit fixed and all those false inquiries off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: i have applied for Transunion membership and when filling the form it does not have a payment page and withought confirming the price or charge the company charged my account for the amount of XXXX USD. later they sent a confirmation letter confirming the order that i have not made.

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 04-11-2017 about Credit card () with DISCOVER BANK (GA).
Issue: Other

Complaint: I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Payday loan) with RSB Equity Group, LLC (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from XXXX stating I had a balance from a capital one credit card. I asked them when this was opened and to send me the proof that this was my debt they said it could take ninety days I responded with you have thirty according to the law that is enough time for you to get me the information. They then sent me a letter 36 days later without proof the debt was mine and said they had just opened an investigation into the matter thirty days later. I called in response to this letter and asked them to stop their collection efforts and to remove this from my credit file immediately since they could not provide the necessary information in the time slotted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX CREDIT CADRD NOXXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transition is reporting to mortgages from XXXX as open owes XXXX dollars the account s have been paid in full and closed.please update asap

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DID NOT HAVE SERVICE WITH THIS COMPANY. I WAS IN SHELTER AT THAT TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I am very disappointed with 3rd party collector, I have disputed account numerous of times to validate the debt and they have n't responded back, but I 'll do it here with CFPB. As a consumer anyone disputing a debt with a 3rd party collector, first the collector needs to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Vinci Law Office, LLC (CO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Upon researching this debt, I 've discovered it 's a time-barred debt that I thought was removed from my debt years ago. This debt is from XXXX, according to the paperwork I acquired from the XXXX XXXX County courthouse, however, I believe this was originally from XXXX. This debt was unknown to me until I received a writ of garnishment from my employer. When I contacted the Vinci Law Office on XXXX XXXX, XXXX I was advised they could n't tell me when I was served court paperwork, and to go to the courthouse to obtain that information. On XXXX XXXX, XXXX I got the Affidavit of Service, which has false information. It says a substitute was served at my ( previous ) residence on XXXX XXXX, XXXX to XXXX XXXX as Sister and Resident. However, I was the only tenant at that address, and the only person I know close to that name is my ex-mother in law ( divorce final in XXXX ), whom has never been to that house, and is not my sister. Not only do I believe this to be a time-barred debt, but a FALSE Affidavit of Service was filed. Due to these unlawful debt collecting practices, I request this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX constantly harass me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. XXXX XXXX XXXX  is not currently licensed in North Carolina with the Secretary of State and should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hard inquiry done twice on same day for same purpose with XXXX XXXX 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 07/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX I closed my Bank of America merchant account for my XXXX, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX to open XXXX with a better % at XXXX, and XXXX XXXX their merchant processor in XXXX. I openned a commerical account with XXXX and that was my account. At somepoint, BOA allowed another merchant account to be established at my location, with fake paperwork assuming another enterprise, XXXX XXXX and allowed my old merchant account to be active without my knowledge. I closed my XXXX account on XXXX XXXX, 2015 to re-open another BOA account, ending in XXXX, XXXX, # XXXX at my home with their small business banker, XXXX XXXX. They allowed another merchant account to be opened and did not tell me my old checking account and my old merchant account were active, My XXXX manager was shedding all paperwork that arrived at the bar. My bookkeeper was also aware of this account still being open. I paid XXXX XXXX, my bookkeeping firm over {$60000.00} over the years to manage my day-to-day transactional accounting. This aggregeous act has cost me my business of 14 years, more than {$300000.00} in missed earnings from the sale of XXXX products, my business credit ( XXXX XXXX XXXX was XXXX prior and is now a XXXX, negative based on this fraudulent company that shares the same name, openned in XXXX XXXX area with an XXXX of # XXXX, and my business name : XXXX XXXX XXXX XXXX ( no comma ) I have trusted tax preparation professionals, paid them to hide, deceive and wreck a very good businesss that has paid XXXX 's of XXXX 's in taxes over the years on falsified returns. I need advise on what to do next. I am hiring at my expense an auditing firm to help re-calculate all of my past six years of business. I had XXXX active customers and XXXX falsified numbers and a comma ruined everything.

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 12/29/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation