milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a complaint against Equifax via CFPB, in progress, and the immediately lowered my credit score by XXXX points. They have no basis for doing so, it is very damaging to retaliate against me by dropping my score that drastically because I filed a complaint against them. Proof attached from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have notified XXXX XXXX that they are inaccurately reporting that I was late XXXX 2015. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

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 10/31/2015 about Bank account or service (Cashing a check without an account) with Empowerment Ventures, LLC (NV).
Issue: Using a debit or ATM card

Complaint: I am a rush can d prepaid debit card member. I have been effected like many others. But this has been a month that they have not be able to get my account correct. I have gotten my lights cut off, gas, had to pay late fees on my rent due to not being able to access my funds to pay my bills. This has been stressful, upsetting. I need results from this company. I live pay check to pay check I 'm not rich.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Patenaude & Felix APC (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The following actions were violations committed by Patenaude & Felix. After a judgement was ruled in my favor against them, they submitted an Appeal containing documented proof of violations under the Fair Debt Collection Act.
1 -- In Patenaude & Felix, A.P.C. complaint listed as # 1.
Listed XXXX XXXX as the plantiff however Prior to my contacting them, XXXX XXXX claims to have had no prior knowledge of the Civil Action.
2 -- In Patenaude & Felix, A.P.C. complaint listed as # 3.
Claims to have attached and submitted into evidence a true and correct copy of the Account Agreement listed as " Exhibit A '' in files attached. However the attached contract is unsigned and incomplete, and this is a XXXX/XXXX XXXX contract. My account was opened in XXXX of XXXX and XXXX XXXX was not formed until XXXX XXXX. Knowingly submitting false evidence to the court is not only a violation of consider rights, it is against the law. XXXX XXXX signed that all documentation was true and correct and that he acknowledged submitting false documents is an illegal act.
3 -- Patenaude & Felix, A.P.C. filed action against me in the District Court of XXXX XXXX, Pa, however at the time the Action was filed I was a resident of XXXX, Pa which falls in XXXX XXXX XXXX District. This is a violation of the Fair Debt Collection Act.
4 -- Patenaude & Felix, A.P.C. performed multiple hard pulls of my credit report which nwgatively effect my score.
5. Initial Contact from Patenaude & Felix was in the form of a Civil Action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with Cade Investments LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: on same day in XXXX 2015 they called my wife at work, me at work and me at home, from XXXX. The man, XXXX XXXX, stated he was trying to find our son to collect a debt, that a claim had been filed against him and his old address was no good. Informed XXXX XXXX that we did not know where our son was and to not call us any more. On approximately XXXX XXXX XXXX XXXX called again. We informed him of previous request not to call, that he was violating FCRA, and ask for his company name, address and phone number. He would only supply CKA as the company name and then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-04-2017 about Debt collection (Medical debt) with Ridge & Valley Realty, Inc. (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: upon request of docs, i was told i was speaking to an attorneythey also have reported the same information in duplicate as to affect my scores

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have my checking account debt card, capital XXXX credit cards, XXXX express credit card and citibank credit cards linked to my XXXX Account. I also have the XXXX XXXX XXXX credit account that was established at the beginning of XXXX. I have never activated the credit card associated with my XXXX XXXX XXXX. 

While on vacation out of town XXXX XXXX, XXXX I contacted XXXX because I need to use the credit that was available on my Smart Connect account do to my purse being stolen while I was on vacation that had my Capital XXXX and XXXX XXXX cards in it along with other personal items. 

I asked if they could either send the available credit from my XXXX XXXX account to my XXXX account or something because I had no money and only a XXXX XXXX card. The representative stated all she could do is issue me the XXXX XXXX credit card that would be sent to my house. 

When I went to my XXXX account online to make my Smart Connect payment in XXXX XXXX as I have done since its inception ) the screen showed I had no payment due. I began getting calls from XXXX smart connect stating the account was past due. I spoke to them and explained that the account online showed no payment do. And they should remove any late fee 's because of that and need to adjustment my minimum payment to what it had been for years. Considering they were saying it was twice than what it should be due to their technical difficulty. 

They explained to me that the representative on XXXX XXXX, XXXX reissued a new XXXX XXXX account number and that it was n't associated with the original one that was included in my XXXX account. They have yet to provide me with the new account number, they have n't since me a statement with this balance information detailed and each time I request it the representative hangs up on. As they did today.

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 10/30/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am co signer on daughters loan and daughter is unable to pay and at this time I am also out of work and unable to pay. Wells Fargo Bank has been for the last six months day and night. I have now become ill and just out of hospital and can not take the strain of the constant calling. I have informed them of the ladder and that I am trying to pay but they just keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried to get this resolved with Experian for quite sometime. They are violating my rights under the FCRA. They have 2 southern ct gas companies listed that are n't mine. One for {$87.00} and another for {$1600.00}. What they do is put in no data at first then they 'll update it to 150 days late, then closed, and put it back as okay or open as if I 've been doing activity on the accounts which i have not. These accounts are not mine. I do n't agree with any of it including the amount. I do n't have utilities in my name. I have also put a fraud alert on my reports. I also do n't have an account/contract with credit control services. Once again they claimed to verify this account but in my complaint against them through your file number XXXX they stated that they could not find any file under my name. So how are they verifying this once again? Does an actual person investigate as they are supposed to under the rules of the FCRA? I do n't think so. The address of XXXX XXXX XXXX XXXX is also not mine.

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 03/16/2018 about Debt collection (Other debt) with First Advantage LNS Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. 

The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. 

XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with Credit Karma, Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX changed from XXXX XXXX to XXXX XXXX. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
XX/XX/XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XX/XX/XXXX andXX/XX/XXXX as well as today, XX/XX/XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the intital switch, and XXXX in XX/XX/XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to XXXX.

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: In the summer of 2015 XXXX XXXX XXXX of FCB Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX verbally approved a mortgage for my family to purchase a newly constructed XXXX XXXX in XXXX XXXX. While in the presence of the XXXX sales team he advised us we were good and asked us to provide a deposit of {$19000.00}, in which we did. During the ensuing XXXX8 months when the house was being built we were called by XXXX inviting us to visit the house when it was near completion. XXXX gave us an access code for entry and invited us to a XXXX XXXX meeting for new residents. We completed their final walk through with XXXX and was provided with a final XXXX to close the loan. When we began the process of wiring the closing costs through the title company, FCB Mortgage called to say the loan could n't close. Suddenly on the day of closing, FCB changes programs and requires additional insurmountable conditions. Now we are being told we can not get our deposit back. 
XXXX XXXX was aware of the approval as they contacted us with closing dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have told this company CBE Group multiple times that they have a wrong number and the will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Credit File Number : XXXX XXXX XXXX XXXX ( SSN # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

Public Records-Federal Tax Lien XXXX County Circuit ( This debt was included in the bankruptcy chapter XXXX filing and withdrawn. Please accurately report this information or delete from file. ) / Identification Number # XXXX Date Filed : XX/XX/2016 Claim Amount {$32000.00}

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 03-01-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received letter from XXXX XXXX offering an amount to settle account. The letter states your account will be considered " Settled in Full '' Once I paid the debt my credit report updated to " Settled - less than full balance ''. I believe that is very deceptive and misleading. It appears as if your debt will be considered settled in full however it is stating you settled for less. This was never stated in the letter or phone call.

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