milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with Absolute Resolutions Corp. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: today my bank account was garnished for entire amount in my account, it was XXXX, I called the debt collecting agency that took my money and was told I would not be able to talk with the person that was handling my case, that they would be gone until XXXX/XXXX/16. Then I was told that nothing could be done for me and that I should wait and call back on Friday. I do not believe this to be accurate but feel that calling them will get me no help. My hands are now tied and I have NO money or resources and I am a single mother of a XXXX year old and do not even have money to get her food or pay my rent ( which will cause eviction actions ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/16/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.

Company response to consumer: Closed
Consumer complaint received 09/17/2016 about Credit reporting () with Credit Karma, Inc. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it

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 04/20/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other transaction issues

Complaint: When I initiate a payment within Venmo for an amount larger than the amount of my current app balance, Venmo leaves the balance in my app account intact and instead debits directly from my checking account. This can cause unexpected overdraft fees, etc. I have opened a number of tickets with the company and they have done nothing.

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 02-11-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I went to open an account online and was denied. I then went to the branch and they said Ive had multiple accounts with PNC of which Ive never had one, ever! 

The branch manager gave me a non working number with a XXXX area code to the executive team. 

Ive been a victim of indentity theft before but I have no information about PNC accounts and branches are less than helpful. 

I would like to Open the PNC Virtual Wallet performance account that I should be entitled to as a new client.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Credit decision / Underwriting

Complaint: Chase bank refused to sign and return the reaffirmation agreement to our attorney over a span of XXXX months from XX/XX/XXXX-XX/XX/XXXX in order to complete a bankruptcy filing. We repeatedly expressed our desire to keep the home, had been making our normal monthly payments directly to Chase, and called numerous times to remedy the problem. As recently as today, I attempted to call Chase to get a copy of the reaffirmation agreement, since it was never returned to my attorney, and they stated that they do not furnish that information to anyone. They suggested I contact my attorney again ( who never had luck getting the paperwork either ). This is preventing us from having our on time mortgage payments listed on our credit report and is holding up our attempts to refinance our home. We have paid on time every month since the bankruptcy discharge XX/XX/XXXX and our credit reports do not reflect this positive payment history as a result of Chase 's unwillingness to provide necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (I do not know) with Merchants and Professional Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received phone call from XXXX XXXX. I did find out that this is a residence phone number. 

Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. 

I filed a complaint with the FCC which referred me to the FTC who referred me to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Federal student loan) with Valentine and Kebartas, Inc. (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: spoke with XXXX XXXX at Valentine Law Offices. He has violated the FDCPA and stated that I can not consolidate my loans because he is going to submit me for garnishment which is falsifying information and a scare tactic to get me to pay him and do the rehabilitation program. He also did not state the mini Miranda on our phone call with a third party on the line. He is also way too aggressive to be handling my student loans and this agency does not deserve to service my loans. He needs to be reprimanded and sent back to training and I would like proof.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with KEYCORP (WA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I was paying my loan and Key Bank was applying my principal payments to fees I complained and they agreed to stop this behavior, The statements then started coming with no explanation of the amount due or how previous payments were applied. so from XX/XX/XXXX thru XX/XX/XXXX I called each month to get a principal and interest payment amount from customer service at Key Bank they would tell me the amounts to pay and I would go pay that amount. ( still no explanation on how my payments were applied on my statements ) on XX/XX/XXXX I again called Key Bank customer service for the principal and interest payment amount, I then went to Key Bank where the branch manager told me that Key Bank would not allow me to make any payments. I immediately contacted Key Bank to find out what was wrong. no one could tell me. Since XX/XX/XXXX, the last one and 1/2 years I have been trying to make my principal and interest payment to Key Bank to find that they still wont except any payment of principal and interest. Since XX/XX/XXXX Key Bank has charge me late fees penalty and legal fees which I have objected to. damaging my credit in the process. Key Bank continues to refuse payment unless it includes all late charges and fees. 
Key Bank refuses to reinstate my loan in good standing and except payment from me until i pay all fines and fees created by Key Bank thru no fault of mine. 
Key Bank refuses to provide any explanation for their behavior in this matter or an explanation of the fines and fees I have called and/or emailed on a weekly or daily routine to try and work something out but after explaining the situation hundreds of times to what seems like hundreds of people in many different department I have gotten nowhere except for numerous calls about foreclosure unless I pay all fines and fees. 
I am supper stressed out and concerned about my home!! 
Can you HELP ME please.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: PLEASE DO NOT MARK AS DUPLICATE. This is my third complaint about an issue that was not resolve by the bank. Case #  XXXX  was marked as duplicate but it is NOT a duplicate. Please read the content and have the bank address my issues.     Barclay closed my credit card without prior warning and wo n't give me a specific reason. This has caused a lot of inconvenience.I filed a complained already requesting a refund for the {$89.00} annual fee they charged but Barclay denied my request stating : " As stated in the terms of your  Cardmember Agreement , we reserve the right to close your account at any time, without prior notification .... With respect to the {$89.00} annual fee, unfortunately, we are unable to issue credit since the request for account closure was not processed within 60 days of the fee billing date. " First of all,  Barclay  was the one that closed my account without warning and states they have the right to close account any time. The 60 days does n't even apply because I was given no choice with the account closure. How is this business practice fair to the consumer if a bank can just charge an annual fee for a card, collect money, and close accounts any time?

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 08/17/2017 about Debt collection (Payday loan debt) with Global Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop

Company response to consumer: Untimely response
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX: XXXX XXXX account closed and paid in full. 
XX/XX/XXXX : XXXX XXXX started withdrawing money from my checking account, I stopped the payment. 

XX/XX/XXXX : XXXX XXXX sent to collections, Convergent. I disputed twice with XXXX XXXX and they said it can't charge me once account is closed but they couldn't get Convergent to return the charge off to get taken care of for me. 

I tried two other times through agencies credit reporting dispute process. They still did not remove and said it is a good debt. 

XXXX XXXX said not good, but yet Convergent says it was good. After account was closed I was charged. 

This is on my credit and now I have to pay to get a home mortgage or they will not try to finance me for XXXX dollars. I have no problem paying this, my credit score is over 750 but for some reason the bank wants me to pay this off. 

Please have them remove this from my credit. They are harming my purchase of a home.

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 07-08-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (AK).
Issue: Loan modification,collection,foreclosure

Complaint: We attempted for 2 years to obtain a modifications through Nationstar. Our person of contact was constantly changing, our paperwork was not not being processed quickly, and we were having to resend documents and restart the process every 30-45 days. after becoming frustrated and hopeless, we decided to seek a short sale. In XX/XX/XXXX, we contacted Nationstar to begin the short sale process. We gave them our realtor information, and were told the process was started, and they would contact our realtor. Our realtor requested the required documentation several times and never received it. Nationstar never contacted our realtor or us about the short sale. In XX/XX/XXXX, our realtor decided not to do our short sale because of the lack of communication from XXXX. We contacted Nationstar in XX/XX/XXXX about doing a deed-in-lieu. We were told that was a good possibility, and after asking a series of questions, we were old the process was started, and we would receive the paperwork to complete. We never heard back from Nationstar, and our home was foreclosed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Withdrew Funds, Balance was not Reflected in Bank Account, although funds withdrawal show up as completed on platform. On XX/XX/XXXX XXXX XXXX. 
Amount is {$11000.00} Contacted support on XX/XX/XXXX XXXX, Case ID XXXX on platform. 

Response on XX/XX/XXXX XXXX. 

Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 



No response since.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed this Bankruptcy with Experian because this is not my filing. I called the Courthouse, ask how they verify bankruptcies thats do n't belong to you with the credit bureaus. They said candidly they do n't verify any information with third parties and the credit bureaus do n't have any true methods besides pulling a public records search to the address on my file. I have a family member that may have did it but Im not sure but I know its not mine. They are maliciously trying to destroy my financial creditability for no fault of my own.AS PROOF XXXX HAS DELETED IT ACKNOWLEDGING THEIR ERROR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with XXXX and Transunion I noticed a lot of unauthorized hard inquiries on my report. I called XXXX and Transunion several times and also disputed those negative items and they have not been removed. On my Transunion report the only items that shall remain that I authorized are from XXXX and XXXX. Thanks in advance.

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 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transworld Systems , Inc. is reporting on XXXX that my debt has not been paid to XXXX. I have a receipt that says that as of XX/XX/2013 that I had a {$0.00} balance on my account

Company response to consumer: Closed with explanation