milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: credit agency reporting information from identity thief. Ive tried to dispute unauthorized usage off my identity for over a year to no avail.

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 12/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, Portfolio Recovery placed a collection notice on my credit reports. This was their first and only action against me. They did not make any attempt to collect this debt from me or gave me the opportunity to dispute it. The facts are as follows : I made an arrangement with XXXX XXXX to repay the credit card debt. I paid it down to {$1600.00} according to the plan. Then I was unemployed with no income for the entire summer. I wrote XXXX XXXX to tell them to stop taking the payment out of my account as it kept being returned for NSF. They complied with my request. 

In XXXX, I applied to XXXX XXXX for a credit increase to fix my house for sale and it was denied based on a " seriously delinquent '' account. When I checked, I saw Portfolio Recovery had place a collection notice for {$1900.00} on all of the credit bureaus. I wrote them a Cease and Desist letter requesting that they remove it but they ignored me. Also, I disputed it but it was not removed. This company never contacted me at any time prior to placing it in collections which violates my rights as as consumer. Also, the amount is incorrect and XXXX XXXX has it listed as a charged-off debt with the credit bureaus. Therefore, Portfolio can not have the same debt listed again with the credit bureaus. This makes it a duplication and lowers the credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with URS Holding, LLC (OK).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with OLD NATIONAL BANK (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support 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 09-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.

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 12/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (AL).
Issue: Confusing or missing disclosures

Complaint: PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Payday loan () with Big Picture Loans, LLC (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I went online and went to XXXX XXXX. Castle payday responded. We really needed the money to buy my son 's school clothes and pay our bills off. Well we called Castle Payday and talked to the associate. I asked her about the final bill and she even stated like the email said we would be paying back {$800.00} for the {$600.00} loan. The lady did say that the first payment would be {$210.00} for the first payment and we could setup our payment plan or could pay more each time to get the bill paid off quicker. We have paid them the XXXX back and now we find out that we have only been paying the finance fee.. What? I have never in my life heard of paying every two weeks {$210.00} and that not going toward our bill. I do not know how to proceed further with this.. Please advice me what I can do legally to get this matter taken care of.. We will have paid them {$800.00} but to them we have only been paying the finance fee.. I cant believe this.. we have paid Castle Payday Loans our bill of {$80000.00}, However Castle Payday is still saying that we still owe them the {$800.00} I do not know what to do.. If their is anyway that I can get some advice please help.. Castle Payday was very misleading to us as customers.. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I 'm writing to request an investigation into XXXX XXXX XXXX and FMS Financial Solutions ' business and debt collection practices. I believe that their practices violate the Fair Credit Reporting Act found at 15 United States Code XXXX U.S.C. XXXX XX/XX/XXXX as well as the Consumer Credit Protection Act found at 15. U.S.C. XX/XX/XXXX XXXX Title VIII - Debt Collection Practices [ Fair Debt Collection Practices Act ]. XXXX XXXX has entered and received a judgment against me in order to garnish my wages at 25 % per instance with interest accruing daily on the outstanding balance. However, this comes after several phone calls and letters from my lawyers at XXXX, XXXX and XXXX to attempt to re-instate the pre-arranged payment plan of {$60.00} per month ; XXXX XXXX did not deign to reply to my lawyer 's correspondence or phone calls. XXXX XXXX 's office claims that I defaulted on my payment plan. However, this is not true. XXXX XXXX/FMS Financial Solutions had my information and permission to withdraw funds directly from my account on a monthly basis. However, they never withdrew funds from my account on a constant basis. On XX/XX/XXXX I get a letter in the mail from the XXXX XXXX 's XXXX Court that a judgment was entered against me due to my " defaulting '' on the agreed upon payment plan. I never received any phone calls, emails or mail from XXXX XXXX/FMS Financial Solutions stating that there was a problem with receiving payment. So, they basically waited 9 months to " inform '' me that I had " defaulted '' on my payment plan by using the court system.

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 04/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: TO WHOM THIS MAY CONCERN ; Filing a complaint against bank of America ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question

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 02-07-2017 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me twice a day everyday of the week. I have told them do not call me and send letters to me in postal mail. They have demanded me to give them a debit card info. And or credit card over phone to pay a payment. I told them no I will not give any info. Over phone. They refuse to send me anything in mail. They are harassing me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: called several times without asking for a certain person stating that he is collecting a debt. Turns out he was calling about a man 's debt that I did not know. He gave me the name of the guy he was chasing and I never heard of him and I asked him to stop calling my number. Also I have this person on tape answering machine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Struggling to pay mortgage

Complaint: Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. 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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: About XXXX calls per day with a computer on the other end. I will make the payment when I have the income, they have been told I 'm not currently working and still I get around XXXX calls per day.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE USE MY IDENTITY AND OPEN UP SEVERAL ACCOUNTS UNDER MY NAME IN XXXX XXXX NEVADA FROM XXXX TO XXXX. I HAVE LIVED IN ALABAMA ALL MY LIFE. THESE ACCOUNT ARE EFFECTING MY CREDIT SCORE. I HAVE SINCE WENT TO THE STATE OF ALABAMA DMV AND ASKED FOR 17 YEARS WORTH OF DRIVERS LICENSE. I HAVE DISPUTED AND TRANSUNION STILL REFUSE TO REMOVE FROM MY CREDIT FILE. I AM ASKING FOR A FULL AND ACCURATE INVESTIGATION IN THIS MATTER. THESE ARE THE FOLLOWING ACCOUNTS OPEN IN XXXX XXXX NEVADA UNDER MY NAME!. XXXX XXXX 2.  PRIME ACCEPTANCE 3. CHAPTER XXXX BANKRUPTCY XXXX THESE ARE NOT MY ACCOUNT U CAN PROVIDE A LEASE FOR THE PAST 10 YEARS FROM MY LANDLORD AND OTHER DOCUMENTS THIS IS NOT ME!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received an automated call from an undisclosed company asking me to call back. I called, and was advised that there has been a complaint filed against me by my creditor. I was informed that I was going to be taken to court if I did not agree to pay a settlement offer at the time of the phone call. I was told I would be sued for Breach of Contract as well as An Attempt to Defraud a Financial Institution. The caller never disclosed that this call was " an attempt to collect a debt '' and further advised " you have been officially notified. '' I asked who he represented, to which he replied he represented a company called " XXXX XXXX XXXX '' and that his company was retained by Chase to pursue this matter. I asked him to allow me to contact Chase to determine the validity of the debt. He advised that if I do n't accept this settlement offer now, he would mark my paperwork with " refused to pay '' and would " push '' it through the system. I requested again the opportunity to contact the " original creditor '' to which he replied, " Do n't worry, we will find you. '' I hung up the phone at this time and called Chase immediately. Chase advised me that there is an old account that they no longer own and do not have any information on the account. Chase assured me they would not have hired any company to call and tell me that I was being taken to court as they no longer own the debt. Chase advised that I have no further dealings with them regarding this old debt that they sold in XXXX ( 8 years ago ). The man for XXXX XXXX XXXX also advised that they will be filing a garnishment on my social security number and assured me they would get their money. The calling automated number was form Alaska : XXXX and I was provide a file number that I will be happy to provide upon request. The date and time of this call was XXXX am MT and the return call was at XXXX XXXX MT on XXXX XXXX, XXXX. The amount advised was {$2800.00} with a settlement offer of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Home Loans Collection division is harassing me for a second mortgage that was discharged in a bankruptcy on XXXX XXXX, XXXX. The house foreclosure papers were delivered to us on approximately, XXXX XXXX, XXXX. 
I have given Bank of America this information over and over again. Once I give them the information the calls stop for a day or two but then they start again. There are times they call 3 times a day. 
Sometimes I answer the phone and immediately hang up. Sometimes I ignore it. I do not owe them any money and have exhausted everything I know to do to make them stop harassing me, short of rehiring my bankruptcy lawyer, which I can not afford at this point. 
I hope you can help. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX I attempted to use the XXXX XXXX to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as XXXX, address, XXXX, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for XXXX, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the TransUnion Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the XXXX XXXX breach, ( I confirmed by going to the XXXX breach Website and entering my SSN ), how am I to protect my private consumer information?

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