milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Used the best category list above. My credit card XXXX XXXX XXXX XXXX determined to reduce my credit limit from $ XXXX to $ XXXX as a result of non-activity ( use ). The information was reported to Experian ( my credit monitoring service ) and then I was notified that my credit score had been reduced as a result of XXXX XXXX 's action. I was not delinquent, and the balances had been paid for over a year. My compliant is against the algorithms used by Experian that uses the information as a negative that reduces my credit score as a result of my decision to be as debt free as possible using cards as a second alternative. The US government talks about the debt of America then we get penalized by the credit bureaus based their calculations of a score. I am now rated in the " good '' credit category rather than the " very good category '' for actions of the credit card. The credit score is the basis of better interest rates to buy goods and services and it is collusion between the credit card companies and credit bureau in their algorithm derived score that pushes more use of credit by XXXX XXXX XXXX XXXX for non use of the card and Experian for the actions of not using the credit cards derive fees and interest charges. THE FTC needs to investigate the algorithms that is affecting US citizens such as this where are rendered powerless XXXX. Obviously now that I am just a good credit customer, XXXX XXXX and other credit facilities can not charge me more interest based on the actions XXXX and not based on my consideration to pay cash for fertilizer and flowers, etc. When I do not pay my bills on credits based on the conditions I expects the actions XXXX to be reflected accordingly. However when I who have expressed my history of being credit worthy but by the actions of XXXX XXXX and Experian, I have no consumer power to use credit and debt free in the best manner. THE FTC should review all credit bureau algorithms to ensure it maintains independence and fairness with its reporting of information and now so important Credit Score that drives how we obtain and pay for things in the marketplace. This would great for " 60 Minutes ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing statement

Complaint: I have a upromise XXXX issued by Barclay 's bank. They have locked me out of the account and will not provide statements or information to manage the debt. They are demanding documents I do not have to prove my identity. I have made payments by blindly sending them to the payments address hoping not to be late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (DE).
Issue: Problems when you are unable to pay

Complaint: I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We were mailed a letter from Pioneer about an open debt due to not having coverage for New York State Workers Compensation XXXX on XXXX XXXX, 2015. They called two weeks later explaining if within 7 days we got coverage they could drop the penalty fine. We did so, I called back to show proof and make sure they gained the information of the coverage. They confirmed, I then asked when is the latest/due date for when the debt is owed. I also stated I am authorized to make payments, however the owner is the XXXX to decide when, and from where ( we have different accounts as well as if he wants to mail a check or pay over phone and by what method ). I stated that the XXXX of our schedules were off so I will have to sit with him for him to decide and by the XXXX they will be paid. Within a two week span I received XXXX calls, even when I was not in the office and in meetings of trying to be reached to obtain the same debt that I had stated would be taken care of by the date I asked is the latest. On the XXXX I received yet another phone call and was actually around to take it. In the phone conversation they asked the same information, I then repeated if I did not have until the XXXX to make this payment and why are they constantly calling if they gave me a due date? I was forwarded to a manager, who just kept repeating the same thing. I informed them it was harassment to constantly pull someone away from their work to have the same repetitive conversation. I had stated I asked for the due date for a reason so I know when to have this settled and it is on my radar ( the same thing I said prior ), they then threatened other penalties that they would accrue on if they did not receive it by the XXXX. I agreed to whatever penalties were and stated they would either receive the check in mail by the XXXX or I WILL CALL them on the XXXX.Today is the XXXX and by XXXX they called.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Credit card protection / Debt protection

Complaint: Someone used my personnel identity to open a credit card account with PayPal. They used the money to purchase somethings. I received the statement of account from PayPal and I contacted PayPal and PayPal confirmed to me that they treated it as a fraud. That someone used the credit card on XXXX XXXX, 2015 and early XXXX 2015. Paypal declined the XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with PASCO, Inc (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never conducted business with the company nor have they provided me with goods or services.

Company response to consumer: Untimely response
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   XXXX   XXXX   XXXX    , I submitted an online dispute with Equifax concerning  XXXX  accounts on my credit report that were fraudulent. As requested in a previous disputed, I submitted a copy of my Identity theft affidavit from the Federal Trade Commission as well as a copy of the police report. Both of the accounts in dispute were listed on both documents. On   XXXX   XXXX  , I received a response from Equifax stating the account was researched and determined to be mine. When I called Equifax, I was told by an customer service  rep. t hat I did not add my current identification, however the other account was deleted from my file without it and my identification was never requested by Equifax. I would have to wait another 30 days to allow them to investigate it again. I asked to speak to a supervisor and was told that   XXXX   XXXX   XXXX   XXXX   responded to their investigation incorrectly therefore, they would need another 30 days to re-investigate the matter because it was also not investigated on their part as a fraud case. I told that supervisor that was unacceptable as I should not have to take responsibility for their agencies and the creditor not doing their parts. I asked to speak to her supervisor when connected to him, he told me that they were just reporting what the creditor sent to them. I asked how could the creditor report  one thing to his agency and another to the other 2  agencies being that the other agencies did their investigations, which resulted in the removal of the account. I asked for a copy of the investigation they did and the response from the creditor be mailed to me. He told me he would only send me how they conducted the investigation and that was it. He then stated, it also would take another 30 days the receive this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NM).
Issue: Account opening, closing, or management

Complaint: I am retired and wanted to start collecting my pension last year from CITI. Based on the information they provided, I selected a monthly payment of $ XXXX/month, which they started to pay. THEN, I received a letter dated XXXX/XXXX/2017 in which they stated they made a mistake and the monthly benefit would be only {$96.00}. I would NEVER have picked that option had they provided the correct information-I would have picked the lump sum option. 
At $ XXXX/month I am unlikely to live long enough to collect the money in that account. To me, this is a case of FRAUD-telling somebody one thing and then changing it a few months later. In addition, they said they will charge me INTEREST on the overpayment!! 
How can they charge me interest for THEIR mistake? 
I contacted their office yesterday at ( XXXX ) XXXX and explained my situation. Somebody was supposed to check into it and call back, but I never got a call back. At this point, I would like to receive the LUMP SUM option for the money remaining in the account and NOT be charged interest for their mistake. This is looking like FRAUD to me. 
Thank you very much for anything you can do to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: XXXX XXXX XXXX XXXX agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Trouble during payment process

Complaint: We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX  2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wachovia became Wells Fargo.
Wachovia r  emoved $ from timed deposits to create  2  checking accounts without consent.

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 06/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed with XXXX and Equifaxthat i have old accounts from that should have been dropped off and hasnt been dropped off Also i disputed an account from XXXX XXXX XXXX and XXXX that are not mine a mortgage/ car loan that are not old accounts past 7yrsThey deleted some of them and then reposted them. 

XXXX have been disputed also

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have applied for teacher student loan forgiveness from Navient twice in the last year. I meet all the criteria to have my student loans forgiven. I feel they are illegally denying me what I have earned in order to keep my payments coming.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GLENN ASSOCIATES MID-ATLANTIC, INC (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Private student loan) with DISCOVER BANK (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received the attached email message this evening asserting that I have a past due amount ( see XXXX ). However, I have no amount that is currently due and have either paid the minimum amount due or in excess of such amount each month. Attached are my statements from the last three months, each prepared by the servicer after monthly payments were due, and a record prepared by the servicer of my payments for each month. The servicer failed to apply a payment I made on XXXX XXXX, XXXX ( see attached Discover Payment History and Discover XXXX XXXX, which states that I have a past due amount ). In addition, the servicer is demanding payment based on my XXXX statement ( attached ), despite that I made a payment on XXXX XXXX, XXXX without having a statement available at such time ( see Discover Payment History ; note : the XXXX statement was not created and uploaded into my account until XXXX XXXX, XXXX, after I complained to a supervisor named XXXX ). The servicer 's demand for payment on XXXX XXXX and this evening constitute a deceptive practice ( see 12 USC 5536 ( a ) ( 1 ) ( B ) ; see also Section 5 of the FTC Act for the definition of " deceptive '' ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Deatrick & Spies PSC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was illegally evicted in XXXX as there was a formal dispute with a written letter to with hold rent until electrical problems were resolved and if not resolved, I would move out in 30 days without paying rent. The electrical issues weren ' t resolved. There was nothing on my credit report reflecting this. I vacated the premises and have heard nothing from the landlord. Upon reviewing my credit report in XXXX, I observed a recent Notice of Judgement Lien on REAL ESTATE had been filed by attorneys representing my landlord. They are subtotaling {$4300.00} excluding interest and a total of {$6900.00}. I was told by this law firm that they were n't able to forward returned documentation to me relating to this law suit/judgement and XXXX documents were n't received by me in which they validate and advised this was how they obtained the judgment. I requested information to support the judgment to XXXX who was very rude and refused to provide information on XXXX/XXXX/XXXX, I called back. I then spoke w/ XXXX who was very professional and mailed information that the landlord had provided which was a statement. I did n't receive any paperwork or documentation to support the judgment being filed. I am concerned with the time gap as well. There should be a statue of limitations. also, if no writ was reflected on my credit by way of legal dispute due to electrical problems, how is they able to come back 10 years later, indicating a year of XXXX when it was XXXX and attempt to now collect? 
I want to report this action because it is illegal and is impacting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: For many years, I paid my Long Term Health Care policy via my Wells Fargo automatic bill pay account on an annual basis. The premium went up, which is unusual, so I had to change the premium amount -- and I also made the payment on an earlier date because I wanted to ensure my account was credited while the insurance company was going through some turmoil due to the rate change which otherwise could delay that. I had difficulty making the change, but did accomplish that. However, both the new payment amount ( {$2900.00}, on XXXX XXXX, 2016 ) and also what then was a duplicate payment ( on XXXX XXXX, 2016 ) at the old amount ( {$2400.00} ) and date were made. I did notice this on XXXX XXXX, 2016 but neither I nor ( calling ) Wells Fargo could stop that payment. Wells Fargo said it was my fault ( I agree their payment change process is difficult ) and refused to reimburse me. Then in that call, they and I called the insurance company ( XXXX ) together to see what would happen when they received the XXXX check. XXXX advised they would send a refund of any overpayment by check mailed to the policy holder. I called XXXX again on XXXX XXXX, 2016, having not received any check, and was told they had not yet received any payment that they could attribute to me. I then called Wells Fargo, who took another report and claim, but seemed unable to verify whether they had made a payment or not to XXXX while I was on the phone. Some day I expect this will be corrected, but they do n't seem to care when they owe me money as much as when borrowers owe them money. Also, if their software is too cumbersome for a simple change of amount and payment date, they should direct me to cancel the old payment and initiate a new one. Wells Fargo case numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX BANK IS REPORTING ACCOUNT XXXX AS CHARGE OFF I NEVER OPEN AN ACCOUNT WITH THEM. I CONTACTED THE CREDIT BERAU AND THEY WONT DELETE IT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was searching for a ticket on XXXX from XXXX to XXXX in XXXX XXXX and found a ticket and booked it using my HSBC credit card. The merchant ( XXXX ) advertised the ticket as single itinerary on XXXX, but they booked it as 2 separate itineraries. Breaking a itinerary into multiple itineraries is deception, and it creates multiple issues with baggage, connecting flights, and visa requirements in transit country. If 1st flight is delayed, then 2nd airline does n't give me a automatic seat on next flight. 

The airline taking me from XXXX to XXXX could not see in their system that my trip was ending in XXXX not XXXX. And airline taking me from XXXX to XXXX could not see in system that my trip was starting in XXXX. Both the airlines in the itinerary told me that they could not see the other airline. 

XXXX deceived and frauded me. XXXX refused to fix their mistake or to refund the money, so I filed dispute with HSBC credit card department within 5 hours of receiving this 'deceptive ' itinerary from XXXX. HSBC agent advised me to book another ticket while they work on the refund. So then I booked another itinerary using my XXXX credit card, and completed my travel. In XXXX XXXX, HSBC refused to remove charge or do chargeback saying merchant XXXX XXXX XXXX had won the dispute, and that I would have to sue XXXX in XXXX XXXX court directly to recover the funds.

Company response to consumer: Closed with explanation