milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2015 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (WA).
Issue: Account opening, closing, or management

Complaint: I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.

Company response to consumer: Closed
Consumer complaint received 06-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under ANY status, as it was never mine. 
I was assured by this debt collector that it would be remove ; however, they are now saying that they will no longer update the credit reporting agencies or contact me any further. This is NOT what needs to be done. This was never my debt and they know that. I was given another alert from my credit monitoring service that it is still on there. It should be completely removed ... not listed as 'closed ' or 'no longer active. ' Please remove XXXX from my credit report, as if it never existed - it was never mind. 
I am attaching a closure letter from this debt collector in hopes that you will completely remove it. I would be very grateful if you could take care of this once and for all. I have a very long history of corresponding with this company, as it seems they keep trying to change the status, after already admitting that it was never mine and completely removing it. 
Please help me put this to rest. This is not my bill and never was. Please completely remove it. 
Thank you, 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 non-monetary relief
Consumer complaint received 03/24/2016 about Payday loan () with Big Picture Loans, LLC (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I got a internet pay day loan for {$400.00} in XX/XX/XXXX and it charges a finance charge of {$200.00} per month which is not applied to the loan at all. This was not explained to me. So, I have now paid {$800.00} in finance charges soon to be {$1000.00} in XX/XX/XXXX for a {$400.00} loan and none of the {$800.00} that I have paid is applied to the loan. In order to payoff I have to pay the {$400.00} loan amount plus the {$200.00} finance charge. So, if I had the additional {$600.00} to pay off now I would be paying a total of {$1400.00}. The original company was XXXX but now they have changed name to Big Picture Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!

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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account 4 times with TransUnion mentioning to them that this account has a closed date of XXXX/XXXX/XXXX and a last payment of XXXX/XXXX/XXXX according to the state of CA statute of limitations this account should be removed from my report 7 years from the date of first delinquency. I called TransUnion they say the date of first delinquency on file is in XXXX which makes no sense because if the date of the last payement was XXXX/XXXX/XXXX then the date of first delincquency should be XXXX/XXXX/XXXX OR XXXX/XXXX/XXXX somewhere around there. I have also called XXXX about this account and right away they tell me before I am able to say anything that this account may be not be within the statute of limitations anymore and that any payments to the account may restart that time frame and asks right away if I would like to make a payment. I told them the reason for my call was to get information on the account ( ie statments, letters, anything ) they tell me that they can not send or see any information on the account they can only apply a payment to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AL).
Issue: Credit card protection / Debt protection

Complaint: I became an authorized user WITHOUT MY APPROVAL on my mother 's American Express credit card. 
The account is now closed however the bad credit still appears on my credit history. 
I called American Express and they seem to have dropped it from my credit history. 
The XXXX credit reporting companies I 'm referring to are : XXXX and XXXX. 
XXXX seems to have gotten the memo -- they erased my credit history on the card. 
HOWEVER, XXXX HAS NOT. They still seem to think that I owned the account. 
Please contact American Express as well as XXXX AND TELL THEM THAT THIS IS NOT MY ACCOUNT AND I WANT THE CREDIT HISTORY COMPLETELY ERASED. 
Note : I just applied for a XXXX XXXX XXXX credit-card, and got approved. TELL THEM TO LEAVE THAT ONE ALONE BUT CANCEL THE AMERICAN EXPRESS CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I have a WalMart Credit Card that was suspended several years ago because WalMart refused to change the due day to the XXXX day of the month. I have been making {$50.00} per month payments on the XX/XX/XXXX of the month ( or by the XXXX day of the month ) and WalMart has charged a {$35.00} late fee each month, plus WalMart has charged a monthly " purchase fee '' each month, and the XXXX fees have effectively nullified my monthly payments. Today my current balance is more than it was back in XXXX 2013. I think WalMart is ripping me off, and I sent them an email letting them know that I was going to contact your agency, and that I will not make further payments until I receive a reply from you. I hope that you can help me because I have made payments sufficient to pay off my original balance. WalMart is ripping me off..! I think WalMart is guilty of some type of financial crime..!!! Please help me..!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2017 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a pre-approval with XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding Mortgage Company. I explained to him up front XXXX ( my father ) and XXXX ( my boyfriend ) would be applying for the mortgage. I XXXX and XXXX ( my boyfriend ) would be living in the property my father would not. My father was willing to help us out in getting the loan. We provided XXXX with all the items he requested to get us pre-approved. 
On XX/XX/2017, he provided us with a pre-approval letter for {$140000.00} with 3.5 % down going FHA. We presented the pre-approval letter to our realtor and we went out to find a property. We liked XXXX in XXXX as we felt it was suited for us. We wrote a contract, ran the numbers over the phone with the lender, before we presented the contract to the seller. Seller reviewed and accepted the contract so we proceeded in retaining an Attorney, hired a home inspector and radon inspector. To date we have spent {$500.00} out of pocket for the inspections, provided {$1500.00} in earnest money, and not sure how much out of pocket we 'll be with the Attorney. 
After the inspection, we find out from XXXX the company he works for ca n't move forward with the loan. None of this make sense to us as he knew upfront what we were doing as we were upfront and honest. He came back and told us we could not purchase with 3.5 % down as my father and my boyfriend are not blood related and underwriting would not allow him. If we did want to purchase he said we 'd have to put down a hefty down payment. One which we do not have. If we would have known this upfront we would n't have spent the money to go hire a home inspector and release earnest money. We feel we were misled by XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding. 
I would like for New American Funding to return the costs associated with the home and radon inspection of {$500.00}. I am currently working with my Attorney to get my earnest money returned. I called the corporate offices of New American to file a complaint and requested to speak with XXXX Manager but never received a phone call from him. After waiting for several days, I called the corporate offices again and am disappointed on how this is being handled as if it 's like no one cares. I 'm still waiting for a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted Experian multiple times in the last 2 years and they refuse to report my chapter 7 bankruptcy accurately. I have provided the discharge paperwork and still even as of this morning. They claim their " public record vendor '' has to provide the information and has not. I was also told they ca n't take a copy of the discharge from me either. This is ridiculous and is inhibiting my ability to apply for apartments, job screening etc. due to the low score as a result from inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15, I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15, I received the investigation results from XXXX stating the collection acct was removed. However, on XXXX/XXXX/15 I received the results from Transunion stating that the acct was " verfied, no change ''. On XXXX/XXXX/15, I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also, I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore, XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15, I received the investigation results from Transunion that stated " New information Below '' the collection acct remained on my credit file with no change. I contacted the Credit reporting agency on XXXX/XXXX/15 to find out why the acct was not removed and was told that the information that I submitted was not sufficient even though this acct was already removed before and clearly this acct is being sold to different collection agencies after I have already disputed this acct properly received a statement from the original creditor of a zero balance. I have recently been denied in XXXX credit by XXXX XXXX due to a collection being reported on my credit file and this acct has continued to have a negative impact on my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2016 I filed a dispute, # XXXX, with Equifax regarding a debt that was being collected by " XXXX '' and have not received any response via mail, website or telephone. Their online website has no information either. I 've attempted to get responses from the company, the debt collector, and now Equifax. I 've heard nothing. Just earlier today I was disconnected by Equifax 's telephone system XXXX times and could not reach a live agent! I believe there is a XXXX day rule and for that want this debt taken off of my credit ... ..it 's affecting my allowance to refi my mortgage. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Federal student loan debt) with Northstar Location Services, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NorthStar Location Services , LLC is reporting on my credit report for XXXX. I 've contacted NorthStar and ask for the original indebtedness of said account to no avail. NorthStar has sent me account activity information and a break down of the amount. This is against the law for this company to continue to report false information on my credit report according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Robo call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual 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