milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A company named Receivables Performance Management has placed a false and fictitious collection that was previously filed by another collection company XXXX XXXX and removed back in XXXX 2016. This is the ongoing debt that was paid to XXXX XXXX when they installed my service. The initial installation had a defective receiver and they had a technician come out and replace it and he took the defective receiver with him. They billed and charged me for the defective receiver I never had. I made many attempts to get XXXX XXXX to reimburse me for overcharging me and they never refunded my money. In addition they falsely advertised they would send me a {$200.00} Visa gift card for signing up with their service, which they never delivered to me. I am attaching a copy of my credit card statement to demonstrated I was falsely billed and overcharged for their services. In addition I am attaching a copy of the XXXX receipt of proof the last receiver being returned to XXXX along with copies of the previous dispute in XXXX and correspondence with XXXX. I am not sure how a collection company can falsely attach a fictitious claim against me and not be held accountable for their crooked actions. Again, my statements are true and correct and you may contact me at XXXX or XXXX or XXXXXXXXXXXX to discuss the matter further.

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 05-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: the banks has hit me with 5 overdrafts on the XX/XX/XXXX & XX/XX/XXXX i deposited my check late on the XX/XX/XXXX but they always release XXXX XXXX time of deposit but not this time causing this overdrafts i understand the first one on the XX/XX/XXXX but the othere four on the XX/XX/XXXX are excessves fees

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Motolease, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XXXX XXXX, XXXX, XXXX XXXX XXXX updated my trade line as current. 
On XXXX XXXX, XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XXXX XXXX, XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XXXX XXXX, XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XXXX XXXX, XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XXXX XXXX, XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.

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 04-08-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, TD pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am part of the many Americans that grew up in the middle class. My parents made enough to pay their bills but not enough to pay for all XXXX kids to go to school. Because they were middle class, I did n't qualify for federal loans, therefore private loans it was. 

I began my career immediately after graduating from college, but unfortunately a year later the position was eliminated due to budget cuts. I immediately called XXXX XXXX/Navient to discuss an income based repayment option. They told me that income based repayment was not available to me due to having private loans and my only option was forbearance. They made me pay {$150.00} to put my loans into forbearance. I had no other option so that 's what I did. The forbearance only lasted 3 months and despite attempting to lower my payment after that 3 months, Navient continued to refuse. At that time, I was making XXXX a year and paying over {$500.00} a month for my Navient student loans. That does n't include my federal loans from another institution. To this day, I make less than XXXX a year and still pay almost {$500.00} a month in loans. The only way I am making ends meet is because I married a man who helps me make sure I make those payments. 

The fact that Navient is not flexible with their customers and has had no repercussions for their actions is sickening. Many people are struggling to pay these loans back and they do n't care because they continue to get their money. Loan forgiveness would be awesome, but we all know that is n't possible. I 'm not asking for the XXXX ... I 'm asking to be able to go out on a Friday night with friends and not have to worry about not having the extra spending money due to having extremely high student loan debt. 

Between my husband and I, we pay {$2000.00} a month in student loans. {$2000.00} a month. Could you imagine if we were able to put that money back into the economy? Could you imagine if other Americans in the same situation could put their money back into the economy as well? 

There needs to be consequences for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was 6 months late with XXXX Wells Fargo credit cards. I was contacted once from Wells Fargo in regards to payment due. I was taking care of my XXXX father and neglected those cards.He passed and now I 'm being threatened to be sued by a law firm. I have made 2 payments, 2 months in a row on both of my credit accounts online. These accounts are still open, but I 'm being sued? Law firm says they will put a lean on my home too, but that I can pay them directly and they pay Wells Fargo? I 'm trying to catch up on my accounts to avoid suit. Can they sue me while Wells Fargo still accepts my payments online with what seems to be an open 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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 07/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't have knowledge of this hospital bill ... .i disagree with the bill

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was denied a loan by Wells Fargo, they said they would reimburse my {$520.00} Appraisal fee I paid, since they did not conduct XXXX, and instead conducted a " Rapid Appraisal. '' They only reimbursed me {$430.00}, saying " {$25.00} ( XXXX XXXX ) {$55.00} ( Property Condition Report ) {$15.00} ( Credit Report ) which = {$95.00} Total collected {$520.00} charged for {$95.00} = {$430.00} what you were owed back. '' I could understand charging me a credit report fee, but a rapid value fee and XXXX XXXX report which was never even conducted and given to me? They never came to look at the house! 

Please advise ... thank you.

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 12/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: I have used coinbase for years now to hold some of my cryptocurrency investments, I have assets in both coinbase and XXXX, coinbases exchange, current value probally around {$25000.00}. Coinbase uses 2factor authorization for signing which is good, it is a safety measure. The problem is, I got a new phone and 2 factor authorization is not on my new phone. I tried for hours setting this up on XX/XX/XXXX, deleting and installing the app on my phone, trying to reset my account which led to the point of my  account being suspended and locked and I need to contact support to reset everything. I have cases with coinbase and they are not unlocking my account. I have called 3 times after a 45 minute hold saying they dont have a timeframe to unlock my account. The representative says someone is working on it and typical time is 3 to 4 business days. It has been over a week now, they are not responding to emails and I just want my account unlocked. I use other exchanges and this did not happen, it was easy to update, coinbase makes it difficult and then they have no support to help when their are issues I also recently moved, so I have a new address and I am sure this is going to make this even more difficult to resolve and my next step is to just have a attorney collect my assets. It seems a little over board to get account reset.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MI).
Issue: Account opening, closing, or management

Complaint: I have a XXXX email account where much of my personal business was transacted. Since XXXX of this year, if not sooner, I started to received fraudulent, hacked alerts for accounts utilizing my social Security number, name, address stated I have accounts and out money On XXXX/XXXX/2016 also have an inquiry from XXXX. I have had this problem before and would like this inquiry removed from my consumer credit report as part of this anti-ID theft action I an taking to protect 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 explanation
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been in contact with Collection services of Athens, Inc. since XX/XX/XXXX and they have yet to provide any validations to these accounts they say I owe. They have sent me consent to treat forms that have different dates on them than the original " hospital '' date was shown, has so many fraudulant addresses and many with my name spelled incorrectly but they refuse to delete or send me anything other than a print out in office with there logo on the bottom that I could do from my laptop. These accounts are not mine and I am sick of the harrasment.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX I began making Income Based Repayments on my Federal Student Loans through XXXX. Each month since then I have made on time payments and renewed my payment plan eligibility. During this time I was regularly assured by XXXX customer service that the payments I was making were counting towards the Public Service Loan Forgiveness program.
In XX/XX/XXXX my loans were transferred from XXXX XXXX to FedLoan Servicing and at this time I was also required to consolidate my loans. I continued to make on time payments through the Income Based Repayment plan and continue to do so presently. Having never missed a payment, all told, I should qualify for PSLF in XX/XX/XXXX. 

However, I recently began certifying my employment with the NGOs I have continuously worked for since XX/XX/XXXX and was told by FedLoan Servicing that none of my payments before XX/XX/XXXX count towards the calculation of my XXXX Payments for PSLF. 

I do not feel this determination is correct given my understanding of the payments I was making with XXXX dating back to XX/XX/XXXX and I want to know what rights I have to enforce the inclusion of those payments in the total calculation of my payments towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sir/Madam : I made a dispute with Equifax on XXXX XXXX, 2016 in regards to a negative information reported by All Student loan Corporation on XXXX XXXX, 2016. It reported a decrease of my credit line. I do not have a credit line with this company. I have student loans that I consolidated with XXXX and another with XXXX ; both are on forbearance. I would like the negative reporting be strike out from my credit file on all XXXX credit reporting agencies : Equifax, XXXX and XXXX. I have attached XXXX documents : ( 1 ) negative credit report by XXXX XXXX XXXX XXXX ; ( 2 ) XXXX indicating forbearance status ; ( 3 ) XXXX showing forbearance status. I can be reached by email at XXXXXXXXXXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with Allied Interstate LLC (NY).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: In 2006 my XXXX daughter took out student loans and put me in as a consigner without my KNOWLEDGE, AUTHORIZATION or SIGNATURE. She LEFT home since she was XXXX years old and lived with a family member in a different state at that time. I have since asked for proof of my acknowledgedment of cosigning. Such as an email, phone call or a letter asking for my approval. I was told they used electronic signature and they do n't need my authorization. How can they do this? Now they want payment from me. This girl is a professional and has a job, why are they after me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.

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 08/31/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: The only negative in my report is in Capital One XXXX Opened XXXX the History there is late IN XXXX. **It is not late. The card charged me for Cell Phone Insurance payment that I never ordered. **I called XXXX XXXX. They acknowledged their mistake. They cancelled the Insurance payment request. **At that time I closed my account with XXXX Balance. **I am asking to remove this XXXX negative incident from my Credit Report

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