milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: i had called to stop several automatic payment withdrawls from my checking account. they had also missed one when i spelled out the name for him. he said they would show up pending when the withdrew, as he explained then the following day after i checked to see if the fell of they came in as miscellaneous items, i called the customer service department again they couldnt access the files, he said what some companys do is re submit them again under different amounts and that they put in a coverage rate and that they would fall off by XXXX the next business day well they paid them anyhow the ones i wanted stop payment on and the missed one that i even spelled it out for the representive, who was discouraged that he had to enter these stop payments when i called customer service she couldnt answer me that she could file a complaint that they dont record individual conversations in to whom we spoke with. i asked then so since i was a bank error would i have to pay overdraft fees until i have the money and she replied yes, but she said it wasnt a banking error.so now i am overdrafted no money and cant keep up with the overdarft 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: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: To whom it XXXX concern. Midland Funding LLC has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact XXXX XXXX XXXX XXXX XXXX, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of MIDLAND FUNDING llc XXXX OF XXXX XXXX XXXX, XXXX & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My cell phone listed this number as the caller. A lady by the name of XXXX XXXX state that there were documents under my name ( she used my full legal maiden name ) and social brought to her attention that I am probably not aware of. She said it is very urgent I call her back by XXXX eastern. She told me to call her back at XXXX and use a reference number that included XXXX digits. This is n't the number she called me from. I looked the XXXX up and this seems to be a common message associated with this number. The woman never stated what company or office she was calling from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 04/29/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Using a debit or ATM card

Complaint: I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance, it was suppose to close 7 days later. This was XX/XX/2016, today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars, did bank fees cause this? More fraudulent charges? They ca n't tell me why, they are '' looking into it ''. To add insult to injury, I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the " transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally " closed '' my compromised account and card services that issued me a new debit card for an inactive, compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful, do not bank with this company!!!!!! There are so many banks out there, I am sure I can find one that is willing to protect their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My second mortgage, held by SLS, was converted into a regular mortgage without any notification and at a 5 % interest. This more than doubled my payments overnight.

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 04-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Credit card protection / Debt protection

Complaint: I opened a Barclay card account and ordered a card for myself and an additional card for my spouse, when my spouse card arrived the paper receipt with his card had the entire card number printed on it, which I think may be a FACTA violation, I know retailers can not print more than XXXX numbers of your card on any receipt so I find it unsettling that a card company would print the whole card number on a receipt, this was not a bill or statement it was a receipt that came with delivery of the card so really was no reason for the number to be printed on the paper, as it is printed on the card. Printing the whole card number on a paper just makes it one more security issue, so I am thinking do I keep the paper for records and risk anyone ever finding my card info, or shred it and hope that no one can piece it together and steal my info, so now I 'm saving the paper and just purchased a large locking file cabinet to try to keep this and other papers locked up so this card seems to have already cost me XXXX bucks and how can I expect a retailer to keep my info safer than my card company is willing to, it is all very disappointing. You get a credit card for security, but now instead of feeling more secure I just feel like I have one more thing to worry about .Tried to contact Barclaycard , as soon as I mentioned FACTA violation I was placed on hold and then they hung up on 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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have recieved information from this source.. and asked me if i had work XXXX. I said where in the XXXX you got that from ... he told me..they get from credit report from the credit bureau.. and it shows other addresses. I dont know how in the XXXX the bureau get this false information that ruins to get a jobs.and my credit.. and i found in equifax they so have wrong information and bad inquires in my credit report.. i.try to sent a dispute online ..but i cant because they charge of fees.. did it cost them to input wrong information in my credit report.. why in the XXXX they want to charge fees when it didnt cost them nothing. Im tired of.getting bad reports, false monitorimg from credit bureau. They dont even sent out a letter to correct this issues

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I filed a complaint against Synchrony bank for not refunding an over balance on my credit card. They finally sent the check but it was n't until after I filed a complaint and got them to agree to send it. Because I filed a complaint they turned around and put a stop payment on the check costing me a {$20.00} bank fee for them sending me a check and then stoping payment on it. They now claim that I have to rerequest another check but they will just put a stop payment on it again, thus harrassing me and punishing me for making a complaint against their institution.

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 Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus.

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 08/15/2017 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.

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 01-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.Written confirmation was mailed to you. '' YET 1 ) Most of these inaccuracies are STILL on my credit report. For instance, my Equifax credit report says that my installment loan amount is $ XXXX+ when it 's actually around $ XXXX. 
2 ) I was NEVER mailed a written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Shopping for a loan or lease

Complaint: I called usaa consumer credit for a personal loan, due to impending monies coming in to me in possibly 2 weeks and told the loan consultant the facts, so she submitted the application as I said wait simultaneously. I told her I was just checking things out and the hard application was denied. She then called the back office to see if it would be retrieved back and the answer from the back room, was no. 
I contacted the credit companyXXXX, they told me that the bank has to delete it that I could not dispute this credit entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, XXXX XXXX, Manager XXXX The basis for my dispute is was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXX, XXXX XXXX, Managerfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX, furnishing the negative derogatoryinformation to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. 
They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX, Manager '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX, Manager failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX, Manager is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by Midland Credit Management collection letter dated XX/XX/XXXX. I disputed the debt in my letter dated XX/XX/XXXX. Midland responded in a letter dated XX/XX/XXXX, which I really am lead to believe it was a generic response or no real investigation was done about my dispute. On XX/XX/XXXX I sent Midland my second dispute letter, they continued their collection activity in their collection letters dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX Midland 's letter told me they opened an investigation on my  dispute letter. <P/>However, I applied for credit with XXXX and XXXX and they inquired into my personal credit report on XX/XX/XXXX and Midland was reporting derogatory information about me during an open dispute investigation. I was denied credit by XXXX letter XX/XX/XXXX and XXXX letter XX/XX/XXXX. <P/>On XX/XX/XXXX Midland letter notified me that they were no longer be collecting on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to XXXX XXXX was removed from my Transunion credit between XX/XX/2017. I checked out my Transunion credit report online this morning and the collection item is reporting 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