milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2017 about Debt collection (Credit card debt) with GVA Holdings, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Yes I do believe this is with the same company XXXX XXXX, I spoke with several representatives from the company explaining that I am unemployed, no income and that I am unable to pay any monies. I am sick, this is stressing me out and this company has repeatedly been harrassing me calling my cell all times of morning, evenings, and even at nights when I have asked them not to, calling me from various numbers and with different persons name, now I get home and received a threatening email from this person : XXXXXXXXXXXX, XXXX XXXX with Cash Advance, threatening to sue and serve me a supeona and even threaten to call my job, what job, I told them I am not working, I need something done about this, telling me I will be serve at my door. Attached is the email that I received, I can not afford any attorney or do anything else at this time, I have no money. Is there anything that you can assist me with in contacting this person, this is brutal harassment, I realized that there is a bill I owe, but things happen beyond your control, and there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have had an account with this company with direct deposit of my paychecks for 5 years. I checked my account balance on XX/XX/XXXX and noticed a charge for {$99.00} made at a XXXX station in XXXX, FL on XX/XX/XXXX that I knew was fraudulent because it was not my purchase. I immediately called Netspend and cancelled the debit card and filed a dispute of the charge. I advised them that this purchase was not made by me. I was provided a case number and advised that it would take them 10 business days to investigate the matter. On XX/XX/XXXX I received an email from them stating that I had to submit a request in writing within 10 business days for refund of the disputed charge. I submitted the written request on XX/XX/XXXX.
The issue still has not been resolved.

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 06-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Account opening, closing, or management

Complaint: I was a long time customer of Citizens Bank. I decided to close my account because if the bank 's investment policies in 2011. I 'm glad I did because they have not improved their investing standards -- I stand with others removing funds due to Citizens ongoing support of XXXX. I will work tirelessly to convince others to join me in doing so until your institution ceases investing in XXXX XXXX, XXXX XXXX XXXX, and XXXX. I refuse to be a silent participant in your decision to support the destructive fossil fuel economy in general, and the XXXX ( XXXX ) in particular. The XXXX threatens air and water quality and violates sacred lands of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My payments are every XX/XX/XXXX of the month. I made the payments thru the mobile app and was never recorded. This happened for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I requested for this account to be put on an auto pay since is on the business name ( XXXX XXXX XXXX ) but under my name.

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 06/16/2015 about Credit card () with KEYCORP (TX).
Issue: Credit determination

Complaint: So, I 'm trying to make payments to my KeyBank credit card from my XXXX checking account via KeyBank 's website. KeyBank claims XXXX is rejecting requests for payment, while XXXX says it never received any requests. Also, KeyBank is the only credit card that has trouble getting payments while I can pay other accounts just fine. I also initiated a trial payment of {$2.00} from XXXX 's website, the money has been debited but it has n't been posted to my KeyBank account. 
Now, looks like KeyBank has reported this to the credit bureaus as me having defaulted on payments when in reality it 's their own fault. As a result, my credit score has fallen by more than XXXX points. KeyBank even reported my account to its collections department and only today after talking with them did I find out that KeyBank apparently ca n't accept checking account numbers which exceed a certain length. The entity to blame for this KeyBank 's IT while I end up paying the price. 
I 'd still be happy enough if these so-called 'payment defaults ' are struck off my credit profile because this is no fault of my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: I have been informed that I was potentially impacted by the Equifax 2017 security incident where my information may have been stolen via website vulnerabilities.
I am furious that a company that I can not limit information sharing from has handed over my most sensitive and personal information to hackers and has not protected it adequately. I 'm further outraged that this appears to impact a significant portion of the American public, not just an isolated incident! 

I demand that Equifax provide lifetime credit monitoring services without asking that I surrender my legal rights through arbitration clauses.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Payday loan debt) with Check Security Associates, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I filed 2 previous complaints and the information provided by Experian in response attempted to obfuscate the issue. I also just learned that Experian has retaliated against me for filing complaints against them and lowered my credit score again. They first lowered my credit score in XX/XX/XXXX in response to my requesting a Security Alert and a Security Freeze from XXXX and Experian. Experian has not addressed the question - at Experian, can an individual 's FICO score be negatively impacted if an individual requests a Security Alert or Security Freeze from a credit bureau? 
The question the CFPB should be investigating is why is Experian lowering individual FICO scores when the individual requests a Security Alert and/or a Security Freeze in response to the XXXX breech. XXXX responded that they are not responsible for the FICO score and that their algorithms are so complex that they do n't know how a person 's credit score is calculated. After filing my complaints, they further lowered my credit score in retaliation. I have only 2 credit cards. I pay off my 2 credit cards each month ( if I have used them ) and never have a balance carry over. I have no debts other than a mortgage and have never been late for a bill, mortgage or loan - never. And Experian lowered my credit rating twice - it appears now that it is a retaliatory action. It is ridiculous to respond that it is the lender that determines the FICO score. I get my credit score through my credit card. I have learned thru an elected official 's office that they have received the same complaint from other constituents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (WA).
Issue: Billing disputes

Complaint: Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a Checking Account with PNC. My account became overdrawn because PNC decided to pay for some charges for {$4.00} and {$6.00} and {$10.00} and so on. PNC covered maybe 6 or 7 charges. Yes this was an oversight on my part, however, they should have just rejected the charges, instead they paid it off and charged me {$36.00}. They gave me about 6 or 7 {$36.00} charges and then they charged me and still charging me to this date {$7.00} a day for a continuous daily overdraft fee. That is absolutely ridiculous. If I could NOT pay for a {$4.00} charge why would you charge me more and more daily. Insane. So now im getting all these harassing calls from PNC not to mention my account is now at about {$400.00} in the negative and they are still charging me {$7.00} per day. Can someone please help me out on this. I am a XXXX XXXX and my pay check is deposited directly into my checking account and they know this so that 's why I am being taken advantage of. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXX XXXX dated XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and AMERICAN EXPRESS dated XXXX/XXXX/XXXX, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On X/XX/17 I went to the TransUnion website to initiate a credit security freeze and followed their links to do so. It instructed me to make an account. It had me enter my credit card number WITHOUT indicating it would make any charge ( I assume this amount and authorizing a transaction would come later ). Unbeknownst to me, they charged {$19.00} ( monthly! ) fee and apparently I was signing up for their for-fee credit monitoring service which in no way was indicated on their webpage where I signed up. It never said it would make a {$19.00} charge. I clicked on " credit lock '', but then realized it was not the " security freeze '' I was looking for. Then I was able spend some time navigating around the website at that point to make a credit freeze and noticed something amiss when I was n't charged a {$10.00} fee at that time ( normal fee for the credit freeze ). No where did it say they were waiving the fee because I was signed-up for their paid credit monitoring service. Then, I checked my email to see if it was just a website error and I was charged the standard {$10.00} fee. That 's when I saw an email notifying me of the {$19.00} charge which was a complete surprise. I was unable to get through their customer service phone line due to " higher than normal '' call volumes to lodge a complaint. I felt deliberately misled by their website.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for an account with CitiBank/CBNA, XX/XX/XXXX that he never authorized. A dispute of the inquiry was sent certified mail to CitiBank/CBNA XX/XX/XXXX. CitiBank/CBNA responded to my client with a letter informing his " no account was found '' for dispute. We were not disputing an account we were disputing a fraudulent application that resulted in an inquiry.

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 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I subscribed to XXXX for service. They lied and misled me on the internet i would receive. I told them from the start that i did not know migs and gigs of data, told them that there would be up to XXXX computers running at once and asked them if the data would last through the billing cycle, and they told me it would be plenty.. It was n't even close to enough. When i researched and understood gigs of data, they only allowed XXXX gigs per month. I went with XXXX to save money and it turned out that it would cost $ XXXX {$120.00} per month for internet alone. I tried to work with them and they wanted {$10.00} per additional gig which lasted 2-3 days at most XXXX gives XXXX gigs per month and XXXX XXXX. XXXX misled me and i feel cheated me so i canceled service and now they want {$1000.00} for canceling on them.They ripped me off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX i submitted a complaint through the CFPB - original case # XXXX. I disputed the fact that Experian was still reporting XXXX debts from XXXX XXXX. The company has agreed to stop reporting, it was already deleted from XXXX and XXXX. Experian responded by saying that the student loan would be deleted from my credit report. The accounts were never deleted. i 'm attaching proof of the response letter from Experian and my most recent credit report showing the loans still being reported. They are scheduled to be removed in XXXX. but its been 3 years since they should have been removed in the 1st place.

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 12/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction problem

Complaint: XXXX XXXX I made a payment to a law firm ( XXXX XXXX XXXX ) via Western Union in the amount of XXXX plus the XXXX fee. 

XXXX XXXX XXXX is stating they never received the payment. I have spoken to Western Union numerous times about this and they claim that they are not able to reach that firm. They will not take the number that I reach the firm on which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a letter on XX/XX/2017 stating I owed a debt. I called and told them I was disputing it, and requested all information, and proof of debt to be mailed to me. The person refused to give me a email address, but stated he would put the dispute into action. 

XX/XX/XXXX I received a 2nd letter, and called again. They told me they had no record of my previous call, and that I would have to email them to dispute the debt. When I made a point to complain that they failed to provide any information to me within 30 days, they stated that I should not be able to dispute the debt since the debt was more then 30 days old. This is not true, and misinformation about what the law states. I then emailed the collector with the email address provided on the 2nd call. 

I feel they are trying to give misinformation about my rights, as well as " lose '' records of my previous conversations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to a company called Freedom Mortgage from XXXX Mortgage XXXX XXXX As part of the notification process, I was sent a letter that told me about the sale and included a " Schedule of fees '' that is dramatically different from the fee schedule I had with XXXX as you can see in the " From '' and " To '' columns. I do not feel that it is fair to change any fee as part of the sale of a conventional and compliant loan. I have excellent credit and I do not expect to be treated this way after paying such high closing costs to get the loan in the first place.

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