milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 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: Account status incorrect

Complaint: My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX  taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.

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 08/16/2017 about Debt collection (I do not know) with Johnson Mark LLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Johnson mark LLC took money out my checking account on my bank statement says legal order Johnson mark LLC XXXX they the amount of {$340.00}. I never had any notification that they sued me or that they were going to take money out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Medical) with Nationwide Recovery Systems, Ltd (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in a XXXX in XXXX of 2012. During my whole ordeal I was told multiple time by Hospital financial counselors not to mention the fact that I had active medical Insurance. Since it was a car accident the insurance companies for the parties involved would cover the cost. In the mean time I was out of work for two months so I hired a lawyer, I received multiple bills at self-pay rates from the hospitals, doctors, ambulance company and once it was all said and done the parties involved ended up not having any type of insurance. At that point my Medical insurance ended up paying a lump sum to all the companies involved and I never received any further noticed of late payments, attempts to collect, or notices of accounts being turned to collections from XXXX XXXX. Now I have a very expensive collection on my credit report due to their lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with High Point Asset Inc ().
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Closing/Cancelling account

Complaint: My HSBC business accounts were closed by the bank in 2013, so I personally and specifically asked them to close my personal accounts as well. Last month, I received a statement from them for an open credit card account. It had no billed amounts or balances but it showed the account still open. I 'm concerned that an open account with no activity might pose a security risk and I do not wish to take responsibility for that. Also, it could cause trouble for me if I choose to take a mortgage. Should they choose to close it, it could impact my credit at a time that I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have told Trans Union numerous times that they are reporting XXXX inaccurate, it is not currently 30 days late and that this account has been paid off for more than 3 years. Please see reporting below, the status should appear as paid and not delinquent. 

Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XXXX Status 30 days late ( this should say paid ) Loan Term 72 Loan Type Auto Loan Opened XXXX Reported XXXX Remarks Dispute resolved ; customer disagrees Creditor Information XXXX XXXX , GA XXXX Phone # : 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 03/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?

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 11/14/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: Opened an account with CitiBank on XX/XX/2016 and deposited {$50000.00}. Per the attached brochure I was supposed to receive a {$400.00} bonus on XX/XX/XXXX. As of XX/XX/XXXX have not received that bonus. Spoke to XXXX ( a supervisor in Customer Service in Texas ) and she indicated that the matter has been referred for investigation which can take another 10 days. She also indicated that when I receive my bonus that they will not provide back-dated interest. If the Bank makes an error then they should make me whole by providing interest for the lost use of funds.

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 07-02-2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates, LLC has  been harassing me and my family since  XXXX   2014. Th eir employees went as far as to call out my social security number without even confirming if I was the actual person they were looking for. Even my bank account information was disclosed in certain phone calls. Several employees threatened me with coming to my place of employment and arresting me, if I did not pay the amount they demanded. Also, certain threats were about withholding money from my bank account and sending me to jail, not releasing me until the full amount they demanded was paid in full. From this ordeal, I have absolute no knowledge about what account they keep calling and threatening me about . One threat d id happen, that company put that unknown account on my credit report and now it has impacted  me credit score neg atively. I believe my information was sold or stolen somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 01/31/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been able to have this fixed by XXXX and XXXX but Equifax refuses to remove it and all they say is the card belongs to me. It does not belong to me. 
I applied for a credit card from XXXX I was turned down. The letter said I had a delinquent account and my credit score dropped XXXX points. I looked at my credit report and saw that an account for a credit card from XXXX XX/XX/2016 had been opened and the max amount had been taken out, but no payments had been made. The account was closed XX/XX/2016. I did not open this account. When I called the credit card company, I was told that the person had my name and Social Security number but a different address I was not told what the address was.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received my credit report from Equifax on XXXX XXXX, 2016 ( # XXXX ). I pulled my credit report form Equifax # XXXX on XXXX XXXX, 2016 and still have negative account info listed for # XXXX and XXXX. If you view the attached Equifax report it clearly states the history was deleted on report number XXXX ; however, this stilled displayed on my credit report. Also, all old address should have been removed from my profile as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: We contracted a company, XXXX, who was recommended by our insurance company to project manage our insurance claim. The company did not complete any of the work they had agreed to, did not get permits for any of the work before it began. We paid them over {$9000.00} and then started receiving collections notices in XXXX without ever receiving a bill from them and without them completing any work. We now have stop work orders on our home ( we had to hire our own contractors ) and the building inspector may require us to undo some of the work that is compete to ensure that it was done correctly. Today we received notification that a mechanical lean was placed on our house. I do not understand how the company can do these things without services being provided to us. I can not find a phone number to dispute this matter with the dept collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: after getting on XXXX I seen that my score had drop due to hard inquiries. when i had n't given permission for my credit to be ran.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had a private loan that I didnt know was threw XXXX XXXX. At the time I was married and didnt worry about it. Then I got divorced because my ex was abusing our daughter. I left him. I am a XXXX and have been for about 5 years. I tried and tried to finish my XXXX but financially couldnt afford it. I was injured at work in XXXX and was laid off. Many days I couldnt even afford food. We lived in my grandmother in laws home rent free. I moved to Arizona and started XXXX again but my injury has stayed with me the whole time. Im almost done with my XXXX and now my student loans have not only came back but they are 3xs what I started as. I am XXXX, my wife is XXXX and my son is as well. We depend on my income. Now one of my school loans of XXXX from XXXX XXXX now ( Navient ) gave it to XXXX XXXX! I dont know what to do??? Can you help me fix it???

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a phone call from a blocked number that left a message for me to call XXXX regarding legal action against me. The company name is ARA? This is after they called my job on several extensions trying to reach me and told people that I was trying to open an account with them. After finally reaching someone, they proceeded to tell me that they in the middle of filing charges against me ( for what ). They stated my name and employer correctly but the rest of my information wrong. The young lady that answered transferred me to a supervisor that threatened that they would continue to contact my employer. Does anyone on this end have any information about this and what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Addendum to XXXX API recovery and it representative XXXX XXXX XXXX XXXX XXXX has some how got possession of by cell phone records. They have called previous employers, friends and relatives who have never been included in any credit application at any point in time. 
They have impersonated attorneys and have claimed that I am in legal trouble and they are trying to stop criminal proceedings against me. 
I have at least 8 witnesses who have been contacted or have messages left about sensitive personal matters or that have been left on phones of friends and family that will show that XXXX was impersonating an attorney and threatening criminal action against me. 
I have received no correspondence from them. 
I have attached photos of a message that was left on my ex EMPLOYERS cell phone. I can make the recording available directly from my employers cell phone if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax 's processes and policies are inefficient and biased due to the confusing and misinformation that they provide. Bankruptcy information should be reported once as a court account not individually as credit accounts. This is misleading and shows multiple negative accounts under Credit Accounts. No other reporting agency reports this way, which explains the dramatic difference in my credit rating with Equifax , over XXXX point difference. This illegal practice is given further power because Equifax fails to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax , who primarily services the southern states, policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of this agency. I suggest termination.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with The Leviton Law Firm, Ltd. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my worker 's comp Insurance for an outstanding balance on in the middle of XX/XX/XXXX as soon as they let me know it was due to settle the account and these guys still sent me letters and were incredibly rude on the phone and accused me of not making the payment even after proof was sent. In addition, after I directly asked if they had any relation to a previous collection firm ( something XXXX ) which I had already dealt with to close this issue out, that this was sent to I was told, no. After continuing to talk to them he admitted they did. They are very deceitful and should not be allowed to do debt collection if they can not be honest about what they say and do and confirm with the company that the debt was originally with is actually owed money, to begin with.

Company response to consumer: Closed with explanation