milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.

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 04/18/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX bank is report a balance of {$500.00} on my equifax credit report. XXXX XXXX issued me a refund a few years earlier as the result of excessive nsf fees. The refund was minus the amount owed to them ; however, XXXX is still updating equifax stating I still owe {$500.00}. I have also disputed this with Equifax for them to investigate ; however, it always come back verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HOMEBRIDGE FINANCIAL SERVICES, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: After an initial complaint regarding an unauthorized transaction on my son 's family XXXX card that created a negative balance which was rolled into my account, AmEx issued a " provisional credit '' pending the outcome of their investigation. Their letter dated XXXX/XXXX/2016 stated if their investigation found in favor of the vendor, the credit would be reversed - which it was on XXXX/XXXX/2016 - leaving a new negative balance, I believe AmEx only issued the credit to stop the CFPB and XXXX response clocks. Since there was noresolution, this is a new clock and now includes the FBI XXXX XXXX XXXX. 

AmEx wants me to make a deposit to remedy the negative balance ; but the vendor ( XXXX XXXX ) that AmEx claims they found in favor of has no record of the transaction. How is it possible I can be held liable for a transaction I did not initiate and the vendor has no record of receiving? A subsequent conversation with the vendor, their card processor ( XXXX ) and AmEx resulted in the same run-around tactics I 've dealt with since my original call to AmEx. I do n't owe them money, but they have debited {$980.00} from my account ( {$490.00} X XXXX ) Please help me get to the bottom of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Other transaction problem

Complaint: I sent {$500.00} via bank wire transfer to Coinbase Inc without my reference number. The money will not know to go to my personal account and Coinbase claims to be backed up and arent prioritizing refunds at the moment. I would like my refund ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Tonight I learned that I am 371 days delinquent on my student loans. I have not received any correspondence in the mail to this effect. Navient 's representative mislead me in XX/XX/2017 by telling me that I was processed and approved for a forbearance, but they did not enter it in the system. Tonight, I contacted Navient and the representative, XXXX id # XXXX ( XXXX IN ) told me that I was processed and approved for a forbearance. I also asked to make a payment for {$120.00} like the letter said on the correspondence on their website, he refused saying that I had to pay {$1000.00}. I asked for an income repayment option and he asked some questions and told me that I was eligible based on my answers, but that he couldn't process it over the phone because the account was locked, but my account is not locked on the website. I asked if he were able to do an override and he said not, so I asked for a supervisor because he was pausing and I felt as if I was being given misleading information. The supervisor, XXXX XXXX sad she would transfer me to the cures department, but they were closed. I asked her for the new date that payments would restart since I now have a forbearance. She said you do not have a forbearance. He processed it, but I reversed it because you are not eligible. I asked her why the system allowed it be be approved and processed if I were ineligible. XXXX XXXX XXXX could not answer this question. My credit has been harmed by Navient 's misleading and harmful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Auto debt) with KEYCORP (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They have been told repeatedly to stop contacting my place of employment, my employer has even told them that I am not permitted personal calls at work - they wo n't stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Medical) with Alliance Data Card Services (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Closing/Cancelling account

Complaint: I am a service member since XXXX and continue to be XXXX XXXX. I have XXXX capital one and XXXX card that where paid off and I have not used due to deployments and training. I atttempted to use a Capital One card in XXXX XXXX and the card was declined. I called Capital one and asked what was going on. All accounts where closed due to inactivity. I never recieved a notice or warning that these cards would be closed. I got upset and did close XXXX of the accounts and asked them to please open my cards again. Upon doing this I had a credit line of XXXX on XXXX of the cards but was given only XXXX limit. I think this company needs to let people know when they are going to just close your accounts especially when you are XXXX XXXX and potentially not able to use them for a period of time when you are XXXX for a year. My home address is correct my wife had power of attorney they could have contacted us via mail or phone before they did that. Now I have a lower credit limit than I was granted before the closure and a hard hit on my reports because I had to redo the same account they closed. I would appriciate the full credit line I initially was granted and Capital One knows I am military because they have been sent proof for lower interest rates while deployed and failed to give them however when contacted did fix the matter. I would like to know why I was not contacted about the closures becasue I would have had them stay open as we kept them with zero balance and had all XXXX ready in case of an emergancy while I was delpoyed or in the event of unforeseen expenses. Also I would like them to reopen the card I closed out of pure anger at the fact they would do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: I opened bank account at Bank of America a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about " account closed '', and just found out that it could affect me to have problem to open account at any bank.

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 07/13/2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (FL).
Issue: Shopping for a loan or lease

Complaint: PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian continues to deny me access to their online dispute feature. It 's been like this for the past couple of months. 

Each time I attempt to begin an online dispute, upload supporting documents, or gain access through a third party credit monitoring subscription program, Experian redirects me to a message stating " for security purposes we ask that you mail us your documents along with a government issued ID, etc. ". 

That message is getting extremely intolerable for me and I have my personal contact information to update, accounts to claim full responsibility on, account information to correct, and supporting documentation to provide along with it. 

Experian has by far the worst online dispute feature out of all three major credit reporting agencies. 

This must be changed. Surely I am not the only one experiencing this inconvenience. 

Experian expects an individual without a source of income, or available funds to go out to a store and purchase mailing envelopes and mailing stamps. 

I am unable to send Experian my information by mail because I do not have the money to purchase the items necessary to proceed with my dispute they 'd like to have mailed rather than submitted online. 

I would like to apologize to Experian for submitting this complaint against them, but they must realize that some individuals like myself, will not tolerate their delays they cause us with updating, and correcting our reports accordingly. 

I will pursue Experian 's online dispute feature correction of " security issues '' for myself, until I no longer have these error message pop up after clicking the submit button once I 've entered in my personal 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
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am livid that Experian charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring Experian and its executives to account for this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with Professional Recovery Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Over  one  year ago I began receiving voice mails from a company identifying themselves as  XXXX   XXXX   XXXX .  XXXX  day I was home when they called and I answered their call. A very rude young man claimed that I owed his company for shoes that I ordered but never paid for. I told him I had never heard of Mason until they started leaving messages on my answering machine and I had certainly never ordered shoes from them. The young man persisted and I told him that " this is a scam '' and I hung up on him.     The voice mails persisted, and some time later I was again home to answer their call. I nice young woman was on the line to whom I again explained that I did not order shoes from her company. After hearing my story she agreed that someone else must have used some of my personal information to order shoes, because the shoes were not shipped to my address. She offered to send me a " fraud '' package to fill out, disputing the claim so that  XXXX  could clear their records. I received the paperwork, filled it out and mailed it to  XXXX .     I few months later, I again started receiving collection voice mails from  XXXX  which I ignored. After many such calls, I angrily answered the phone and threatened to report the company to the authorities. After hearing my complaint, I was told that the paperwork I had filled out was never received and they would send me another set of forms to dispute their claim. I never received the second set of forms.     Recently I received another voice mail from  XXXX . A few days later, I received a statement from  XXXX  claiming I owed them {$450.00} - I had never received a statement or invoice from them before. In the same mail I received a notice from  Professional Recovery Consultants   ( a Collection Agency )  advising that  XXXX  had turned my account over to them for collection.     I am attaching copies of notices from both companies to this complaint.

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 09/22/2015 about Debt collection (Auto) with Lien Enforcement Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

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