milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.

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 12/26/2015 about Credit card () with Continental Finance Company, LLC (OR).
Issue: Billing disputes

Complaint: I received my credit card statement, from Continental Finance on XXXX/XXXX/15 and noticed there was a late fee of {$35.00} applied to my account. I spoke to XXXX and I explained how there was a delay with my bank sending the payment. XXXX, the supervisor, waived the late fee for XX/XX/XXXX. My XX/XX/XXXX statement, shows another late fee of {$35.00}. I asked XXXX why there was another late fee, and she said because I did not pay the {$75.00} for XX/XX/XXXX. I told her, I paid the {$35.00} and the other {$35.00} was from the XX/XX/XXXX late fee that was waived. So they billed me a late fee, on top of a late fee that was waived. The XX/XX/XXXX bill, was paid on XXXX/XXXX/15, in the amount of {$35.00}. I sent in a dispute, explaining the issue, and received a letter back, stating the charges were correct, which they are not. Now, I get my XX/XX/XXXX bill, and it has another late fee of {$35.00} on top of the erroneous late fee for XX/XX/XXXX After the XX/XX/XXXX payment, I paid the XX/XX/XXXX payment on XX/XX/XXXX, and the XX/XX/XXXX payment was paid on XX/XX/XXXX. Continental Finance keeps charging me a late fee from the late fee for XXXX, in which I clearly do not owe. Please review the attached correspondence and supporting documentation and it is evident that I do not owe these XXXX late fees of {$35.00} for XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A collection agency -- Halsted Financial Services, LLC Ph. # ( XXXX ) XXXX has sent me a bill of collection for which I know nothing of. It is from a leasing agency. I live in XXXX housing and do Not even know how to get to XXXX. 
The looks like the leasing agency is ( XXXX ) .HFS reference number ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: I just realized that when I do n't pay the full balance of my American Express Blue card, I am charged accumulating interest on the unpaid balance that remains after I pay my bill ( that is expected ), AND -- suddenly -- -I am billed accumulating interest on my newly purchased items that I have not yet been billed for. In other words, I am suddenly paying an interest from day one before I am given a chance to pay it off. For instance -- -one month, I did n't pay {$80.00} of my full balance. Into the following month, I used the card on new purchases. Because I did not pay the {$80.00} ( out of over a {$1000.00} billed to me the month prior ), I was charged interest on the {$80.00} ( fine ), PLUS my new charges ( not fine )! The girl had to explain it to me several times, because I thought I was not understanding her correctly. They charged me interest on my new purchases BEFORE giving me a chance to pay it off! Unreal!! And, this is ONLY because I carried over an {$80.00} balance. I found out that this happened a few times to me in 2015 on small balances I carried over. She said it was in my " agreement. '' Maybe it was, but it is unorthodox and it should be investigated. They must provide me a way to pay it back before they can charge me interest on it. Do n't you think?? How many people do n't realize that they are paying interest from day one on their purchases?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit line increase/decrease

Complaint: I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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 disputed  XXXX  accounts which came back verified without any verification sent to me in the mail showing any kind of contracts with the people who placed the accounts on my credit which are  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  My contracts were cancelled with them Over 30 days ago I also disputed inquires on my report in which I did not authorize I contacted the companies and they stated that they did not have a way to remove the inquires because I do not have an established account with them  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX  So I am filing a complaint again asking for the same thing once again

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 09/13/2017 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am disputing this medical debt that is not mine with local company, Carter-Young. I have tried reaching out to them s few times to resolve this situation. The last attempt to clear this misunderstanding was via mail requesting proof to show proof that this medical bill is mine. They responded via mail with a single patient ledger and nothing more. This is not my debt and I would like it removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is attempting to collect a debt that I do not owe them. This company is claiming that they know for a fact that I am who owes this debt. I have never lived at the address that they 're claiming that this debt was made. I have asked this company to validate this debt that I owe, but all they have sent me is statements, but this is n't properly validating this debt because anyone can get a credit card in my name if they have the proper information to do so. I have no contract with this company and neither have I ever heard of this company. I ask that this company provide me with an agreement with my signature on it stating that I agreed that this debt is mine. If this company ca n't properly validate this debt as I asked them they should REMOVE this debt from my credit reports. I feel as if I have been treated unfairly because this company is n't trying to properly validate this debt. They simply said that they have provided the documents that I asked for when I never received a copy of an agreement with my signature on it. I will also attach an identity theft report that I filed with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX & XXXX, and they charged that to me

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 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent on  XXXX   XXXX   XXXX  my first letter to  XXXX   XXXX   XXXX  of Experian by certified mail  XXXX  asking him about the validation and provide me with copies of any documentation associated with this accounts. On  XXXX   XXXX   XXXX  Experian sent the report number  XXXX  saying that if I do n't send them additional relevant information to support my claim they will not investigate my claims. But they never sent me any documentation regarding my letter dated  XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I send a letter replying the results on report number  XXXX  by certified mail  XXXX  requesting again that they failed to provide me copy of any viable evidence regarding the account claimed .Experian never answered my letter dated  XXXX   XXXX   XXXX  .On  XXXX   XXXX   XXXX  I sent my last letter by certificate mail  XXXX  giving them a follow up to my original letter dated  XXXX   XXXX ,  XXXX  regarding an inaccuracy in their credit reporting. On  XXXX   XXXX  Experian sent report number  XXXX  saying the same argument like last report number  XXXX  that they need additional relevant information to start an investigation.   I requesting Experian as they violated Federal law by not property investigating within the required time frame and I have evidence of such via certified mail receipts that remove all the items disputed in my l ast 3 letters  sent

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 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Other debt) with ERC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. 
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. 
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. 
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. 
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. 
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Personal line of credit) with CITIBANK, N.A. (NC).
Issue: Managing the line of credit

Complaint: Earlier this year, I discovered the CitiFinancial was reporting an unpaid collection balance with their company for {$7100.00}. I contacted them to resolve the account, but they responded to me that the balance was transferred, and I did not have an outstanding balance with their company. I have forwarded a copy of the letter CitiFinancial sent to me stating that I did not owe them anything, but CitiFinancial will not allow XXXX XXXX XXXX to update this balance to report {$0.00} owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: To whom it may concern, my name is XXXX XXXX and my grandfather died XXXX XXXX 2014 and her house was in reverse mortgage, and when it was all said and done, I owed more than the loan, plus financial freedom said she signed agreement for a pay back loan meaning that she had to pay an additional charge and I know she did n't know about that, cause she would n't never agreed to pay the balance amount

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I purchased multiple  XXXX  gift card to give as gifts and when I gave them, the recipient informed me there was no money left. Unfortunately, by the time I filed the complaint, it was told the fraudulent transactionwas past the 6 month mark. Of course, if it was my personal credit card, I would have noticed a few days after the transaction, but given it was a gift, I do n't check the amounts regularly. I 've also physically mailed in my claim form and faxed it ove r ( the only  methods available ) and yet have heard no response from their dispute line. Apparently this is a huge issue with  XXXX  gift cards since the only digits that change are the la st 4. It 's  ridiculous that such a large credit card company has a known issue with fraud and yet have n't done anything about it.

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 05/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Transaction issue

Complaint: I purchased XXXX airline tickets on XX/XX/XXXX at XXXX, i was paying for those tickets XXXX XXXX, the conversion rate on that day for XXXX US dollar was XXXX according to XXXX XXXX, the following day XX/XX/XXXX the rate for XXXX US Dollar was XXXX XXXX, when i got my statement in the mail I got a whole different picture, the credit card company postponed the transaction for almost a week making the transaction date for XX/XX/XXXX and the posting date for XX/XX/XXXX, the conversion rate on XX/XX/XXXX was XXXX XXXX for each US Dollar, this made the total charge to go up from {$2000.00} US Dollars to {$2500.00} US Dollars, I contacted the merchant addressing my concern about the date difference and they sent me in an email with all transaction information which clearly shows that the transaction was made on XXXX XXXX which supposed to making it post on XXXX XXXX, I contacted Barclay 's Bank and they instead of fixing the issue files a dispute against the merchant which I never asked, the merchant replied with evidence showing that I authorized this transaction which is true, in their evidence they show the authorization details and there it also says that the transaction was made on XXXX XXXX, Barclay 's Bank accepted the merchants rebuttal and returned the charge to my credit card, I wrote back to Barclays Bank explaining my problem that I am not disputing the merchant but requested the I should be refunded the difference of the XXXX rates which comes out to about {$450.00} US Dollars, they denied my request saying that they ca n't further assist me with this issue, I called up Barclays Bank and they said there is nothing I can do to fix this issue and they refused to refund me the difference between the XXXX amounts. 
I paid for the transaction because I did n't want to hurt my credit history, I never agreed to the full amount of the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine. 

I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine. 

I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt. 

Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012.  According to Florida law, the debt is time barred due to the statue of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my first house on XXXX XXXX of 2016 and my mortage company Ditech has not paid my property taxes for 2016. They have had the bill since XXXX of 2016 and I have been getting the run around over the phone with them. I am about to have a lein on my property

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation