milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: This is a follow up of my original complaint case #  XXXX   XXXX .  PNC  Bak has failed to provide me with and explanation why {$360.00} was taken out of my personal checking account ending in  XXXX  on  XXXX ,   XXXX    XXXX . They have failed to provide me with the complete investigation file which  PNC Bank  claims I have mishandled my personal checking account.     This request is specifically directed to a letter dated  XXXX   XXXX ,   XXXX   Ref. #  XXXX . In that lette r PNC Ban k used as a reason to deny my request for a credit card.   see reason #  XXXX  " Unsatisfactory handling of your relationsh ip ( s ) wit h us '' I have requested a detailed explanation of both issues 7 times, in writing, verbally over the phone and walking into branches. There are serious security issues with the {$360.00} ATM withdrawal of my account and I have a legal right to know what exactly happened. Further, if  PNC ban k is claiming I have mishandled my personal checking account, that claim has the potential to negatively impact my reputation.   I want the information i have requested and hoping  PNC ba nk will comply with federal and state laws that clearly state they MUST provide the information requested. Otherwise I will be forced to file civil claims and through that venue I will ascertain it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I obtained a credit card from Macys in XX/XX/XXXX. The credit card has been active until today ( XX/XX/XXXX ). Approximately 45 days ago, I received a letter in the mail from Macys, informing me of a " credit card protection service '' that I was enrolled in. That was the first time I heard of the enrollment. So I attempted to call the phone number provided as well as attempted to visit the website, however, I was unable to reach them. So I contacted Macys customer service who transferred me to this department. I informed them that this was the first time I was made aware of this and I wanted it stopped immediately. Additionally, any charges made to my account needed to be refunded because this was added to my account without full / appropriate disclosure. They immediately canceled it and indicated that they would submit a request for " investigation '' and I would receive a response within 30 days. This activity occurred on XX/XX/XXXX. Today, XX/XX/XXXX, I contacted them to follow up on my refund ( which should be a little over {$500.00} ). They informed me that they did not see the refund in the system and they needed to resubmit the request to the investigations department and I would need to wait an additional 30 days. I requested a transfer to the investigation department and they indicated that they were not able to transfer me, there was nobody I could speak to in order to resolve this issue and there was no escalation process. The person I spoke to was XXXX - the manager on duty. So, not only are they denying my refund for something I was enrolled in without my knowledge / full understanding / full disclosure, they have not provided a clear mechanism for which to address this issue.

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 10/26/2017 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Paramount Recovery System, a collection agency, simply showed on my credit reports XXXX 2017. I contacted them by researching their phone number and provided the account number listed on my credit report. This was the very first time I had ever been informed about this debt. I spoke with a representative who informed me the debt was from medical facility 6 years prior to the current date. Paramount had an address on file where I had not resided in 15 years. I provided them with update information including my current address. I asked them for proof that I owed this money in the amount of {$1100.00} and I will make payment arrangements. I was advised to go directly to their website www.paramountrecovery.com where i would be able to see an invoice that outlined the debt. Therefore, I visited their website as instructed and the site only accepted payments and did not provide an invoice or any indication that I actually owed the debt. I then contacted Paramount again and requested a copy of the invoice be USPS mailed to my address. To date I have not received an invoice just additional letters demanding more the monies. I contacted them several times more and they just wanted to offer settlements of 50 %. I do n't believe I owe this money and Paramount has not provided any proof to indicate that is a legitimate debt. They are now threatening to take additional legal action if the debt is not paid or settled soon. I never offered to settle the debt, just asked out of curiosity. Thank 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living XXXX. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I had many occassions when I asked for relief on my loans and was offered forbearance instead of deferment which caused my student loan debt to go over 200,000.00 which caused me tremendous XXXX XXXX  and financial problems before I was able to finally have these loans forgiven due to XXXX. This occurred approximately between XXXX-XXXX. I was also offered a extremely huge payment for an income repayment plan that I was told was all I qualified for. This process of being offered options that were not affordable for many years was vey stressful, discouraging, and hurtful financially. We had to file bankruptcy many times over these years due to student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have nonauthorized credit inquiries. I filed disputes to have them removed but nothing was done. Some inquiries are duplicates and were added the same 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 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dear Experian, on your respond you indicated that ( The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumer 's profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that Experian does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. Therefore, we must respectfully deny your request to remove the inquiries at this time. ). I have contacted to the creditors and they have send to you ( Experian ) and to me a letter that they removing the hard inquiry, but somehow it is still, and shows on my credit report. 
Also, I am requesting that you open on dispute on hard inquiries for other creditors that they pull my credit without my authorization. Again, creditors who have access my profile and make a hard inquiry I did n't authorized them to do it, that is why I 'm requesting you to remove and or delete from my file. Now I am requesting from you Experian to send me a proof that I authorized this hard Inquiries listed on my letter. 
Moreover, see attached letters from banks, that they send me and send you Experian, to remove inquiries from my credit file, but the inquiry is still showing on my credit file, from XXXX, XXXX and XXXX. 
Now Dear CFPB, this agency ( Experian ) telling that they providing accuracy but looks like they not, we have actual letters from creditors and they still playing with me. I really mean it if this time they not going to honor this my request and remove this inquires I will move forward and make a legal action.

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 12-05-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months

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 07/17/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was a student at XXXX XXXX during the summer of 2012, I completed the XXXX program but was denied my diploma because I owed fees, I paid a total of {$300.00} of fees in order to receive my diploma but still have n't received it. I was told until I pay off all the loans from private loaners such as XXXX XXXX XXXX & Navient Department of Education Loan Servicing, in total the amount that will have to be paid is over XXXX dollars. Since graduating XXXX XXXX I was unable to find a job so I decided to join the military to help pay off these loans. I have not received any letter stating why I 'm being charged This amount of money, even though I have n't found a job because I do not have any certificate stating that I have completed the courses that prove I am certified to work as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

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 04-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I initially sent a dispute as the info on my Equifax Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or XXXX party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XXXX/2016 not XXXX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XXXX 2016.. This items should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase Auto Finance is reporting the same loan twice on my credit report. I have reported this to the credit bureau however Chase keeps verifying both accounts as valid. I have only had one Chase Auto finance loan but reporting the same loan twice with slightly different account numbers is not helping my credit. XXXX has listed one account # as XXXX and the other as account # XXXX. Chase Auto Finance needs to remove these duplicate records from my credit report but they are failing to do so even after I have asked XXXX to reinvestigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated   XXXX   XXXX  .   COMENITY CAPITAL BANK  XXXX   XXXX   XXXX , OH  XXXX .  XXXX  I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of   XXXX   XXXX   XXXX     :  XXXX  I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from  XXXX . They told me they could tell me nothing at all and I would need to contact  XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit.   XXXX   explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit.     I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you.      XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Had a SEARS account since 1975 in good standingAttempted to buy a book on XXXX and it was declinedOn their website, my account looks fine, no cancellation or negative information of any kind! 
Selected CHAT and was just now informed that my {$2000.00} line of credit/card was cancelled at sometime due to inactivity! With absolutely NO prior written notice as required by law, I believeThe CHAT female even hung up on my cut me off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Federal student loan servicing) with ORO OC, LLC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The company called repeatedly stating they could help me to lower my payments, so finally I contacted them. They told me from the start, back in XXXX of 2017 that my monthly student loan payments could be as low as $ XXXX/month, and that after 15 years the loan COULD be forgiven completely. They told me I had to pay {$690.00} over 3 months to get the plan set up, and for some reason I understood part of that money was going toward my student loan, to show that I wanted to repay my loan, and to " bring my payments up to date ''. After they received all of the payments I learned that the total {$690.00} was just to pay them to process paperwork I could have done myself. But they led me to believe they had a special program, and it was the only way to lower my loans. Then they told me I would receive the information necessary to start my payment schedule. I received an email detailing how to access the navient web page to set up my payment plan. I could n't figure it out so I contacted them, and they told me I did n't have to pay anything against my loan! Instead, the $ XXXX/month payments were to keep them handy to " help '' me, to answer questions, and to refile paperwork next spring to re-enroll me in the " payment plan '' .When I mentioned that $ XXXX/month is NOT a payment, the guy went on to tell me how much money I owe and how lucky I am that they got my payment down to XXXX!! They also falsified my information, putting my family size at XXXX. They said they got my payments so low because they were able to prove I make below the poverty level for my state. They lied to me, and they lied about me. They filled out my paperwork, and did it while they had me on the phone. I assumed they filled it out correctly, and entered the information I gave them.

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

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation