milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  working for  XXXX  at  XXXX   XXXX   XXXX ,  XXXX , NJ. I went to  XXXX   XXXX   XXXX   XXXX  and received   XXXX   XXXX  . I never saw a bill during that time, as my manager took me to the hospital and it was filed as  Workman 's Compensation. I re call receiving  one  bill at my home a few months later, which I immediately took to   XXXX   and was told it would be taken care of. I never received any other bill or correspondence from either the hospital or eventually the collection company. I pulled my credit report on  XXXX   XXXX ,  XXXX  in anticipation of beginning the home buying process. On it, there is a bill with a Accou nt Resolution Services , a collection agency, for {$810.00}, for my injury from  XXXX   XXXX . It was placed into collections on  XXXX / XXXX / XXXX . Again, I never received any notice about the bill other tha t the one time noted above. I never received any notice that it was unpaid, would be placed in collections, o r any bills from the collection agency, nor did I ever heard that   XXXX   received any mail in my name on the matter.

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 10-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I was the victim of identity theft. On XXXX XXXX I noticed an unauthorized XXXX pending withdrawal from my XXXX checking account to an account at capital one. I requested this transfer be stopped on XXXX XXXX. XXXX XXXX denied my request to stop this illegal transferred allowed it to occur on XXXX XXXX. After contacting the XXXX, NJ police XXXX XXXX did request a return of my money from Capital One on XXXX XXXX. I have never done any business with Capital One how did they open an account in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX of XXXX for XXXX have no record of any documented debts owed by myself..

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 11-06-2015 about Credit card () with Praxis Financial Solutions, Incorporated (MA).
Issue: Other

Complaint: I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Monterey Financial Services LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX  promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA 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 08-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer

Complaint: I signed up for a citi simplicity card, was approved, and requested a balance transfer from my XXXX XXXX private student XXXX loan for {$3100.00} on XXXX, 2016. It was shown as approved by Citibank on XXXX XXXX, 2016. However, it was not reflected on my XXXX XXXX Account. I called citi multiple times and reached out online beginning XXXX XXXX to dispute the charge and have not heard back regarding the resolution. I am currently paying double since I have the balance transfer to citi as well as the XXXX XXXX loan. I tried signing up for this to avoid paying a 12.75 % interest rate and instead I am still paying that PLUS paying down a balance transfer -citi has doubled my debt and has not resolved my issue. They also promised a call back from a manager during business days, but instead called on a Sunday left no message and sent an email saying " they tried multiple times to reach me with no response. '' this is causing me financial hardships as i try to juggle these bills and pay for childcare for my son along with additional federal student loan payments that I continue to make monthly. the customer service at citi is atrocious, i ca n't get a straight answer, and I 've been disputing this charge since XXXX XXXX which puts me at XXXX XXXX with no resolution. I am now out XXXX ( inclusive of the balance transfer fee they 've charged me ) and I 'm paying this amount to citi for a balance transfer they never fulfilled.

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 02/27/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with PENTAGON FEDERAL CREDIT UNION (NJ).
Issue: Trouble during payment process

Complaint: I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.

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 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got an alert today from XXXX about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address

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 01/25/2018 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to a catastrophe, my girlfriend and I were displaced from our home. We were put in an apartment ( XXXX XXXX XXXX XXXX, XXXX, GA ) for a little over 2 months. The cost of the apartment was covered by our homeowners insurance ( XXXX ). After our home was fix, we moved out of the apartment and back into our home. We were send a final invoice which was forwarded to our insurance company and subsequently paid. A month after moving back into our home, we received a letter from IQ Data International requesting we pay {$540.00}. I was very surprised by this because our insurance had paid our rent and no one from the apartment management tried to contact us. My insurance will not pay this debt unless it can be validated by IQ Data International. When contacted by IQ Data International, I ask if they could provide an itemized ledger to show which month 's rent and/or charges were underpaid. They could not provide this information. It has been almost a month since we were first contacted by IQ Data International and they have not provided an itemized ledger to validate the debt. Furthermore, they have threatened that this is appear as a negative item on my credit score if it is not paid.

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 non-monetary relief
Consumer complaint received 07-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan 30 years ago for XXXX I paid most of it off. I contacted Fed. Loan to inquire about it. They could not find one with my name and social. 
Finally they found it and stated that it went up to XXXX. I set up a payment plan and had them to automatically withdraw it from my account. I never missed a payment. They reported a 90 day late payment and it went up to XXXX in two months. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with Continental Finance Company, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: credit card compan y capital one h ad a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in     XXXX      2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no stateme nt for  XX/XX/XXXX  o r ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: This is an addendum to reopen claim:XXXX Attached please find consent from my mother giving permission to represent her interest in this matter. She does not speak English and her health is delicate as a result of a XXXX. Therefore, she has assigned me to speak on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: All of sudden my Checking account, my saving account and my credit card account has been closed without any notification. There is no explanation given for the 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 explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity and opened an unauthorized and fraudulent account with XXXX XXXX XXXX. The account or debt do not belong to me. I am a victim of identity theft. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX. I have been receiving harassing and threatening telephone calls and XXXX threats from XXXX XXXX XXXX representatives.

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 12/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am an XXXX XXXX currently living in California. Coinbase is not letting me withdraw my funds or do anything with my money in my USD wallet on its website after a successful deposit. It keeps asking for my SSN and says that I can withdraw my funds and close my account if I do not want to provide it. Since I do not have an SSN, instead, I only have a drivers license, I chose to close my account and withdraw my money. However, in the withdrawing page right before closing my account, it asks for my SSN again in order to withdraw the funds. That 's the problem since I wanted to close my account and withdraw my funds because I do not have SSN! I contacted their support for so many times and they never reply email or do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I am trying to submit an dispute online and Equifax website is not allowing me to do.

Company response to consumer: Closed with explanation