milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX i received a bill from XXXX stating i owed them a phone bill in the amount of XXXX. I asked them what the charges were, they mentioned it was for non returned equipment and for contract cancellation charges. I mentioned to them that the sales person at the XXXX NH XXXX XXXX on XXXX XXXX told me that i did not have to return the phone, i went in there due to my phone was broken and the sales person told me i was eligible for an upgrade so instead of paying the charges for the insurance i could get a free phone. I agreed to the transaction, when the transaction was completed i then asked the sales person to take the old phone he then told me that i did not have to return the phone i could keep it as a spare or throw it away. So i did not return it based on the trusting words from the salesperson. He worked there they trusted him to wait on customers and to guide them so i went with his suggestion of just keeping the phone. During that time i had given the phone to my daughter which she had lost, i then called and spoke to the Manager and he said that there was no one there that would give that advice. I was then very frustrated after receiving this large amount refusing to pay it to due the sales mans instructions. I contacted customer service and they did not comply so i told them to cancel my account and i was not paying them for cancellation fees or non returned equipment due to how i was mis-informed they then proceeded to bill me. So i have been disputing and disputing and had to luck. I then on XX/XX/XXXX sent them a letter to the collection agency XXXX XXXX XXXX located in XXXX WA asking for verification bearing my signature stating i had a financial obligation the them, they complied within the 30 days with a bill that was already in my possesion not bearing my signature of any contractural obligations regarding my signature that i have ever signed with them. I then sent them another letter on XX/XX/XXXX letting them know they failed to provide me with a copy of any viable evidence bearing my signature which they did not respond. I then contacted them via mail on XX/XX/XXXX and still no response to my request

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 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Tal Lewis Incorporated (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been constantly been getting annoying phone calls from a debt collection agency over a debt that is XXXX years old. I tried to reach a settlement with the collection agency in which they replied that they would get back to me with a response. One of the representatives then proceeded to daily harass my family members stating that they where going to arrest my mother, garnish my aunts social security benefits. I contacted the debt collection agency and asked them to please stop calling my family members and if they had any further questions to contact me either by phone or email, i received no calls from them but they continue to harass and intimidate my aunt. I called the agency again and told them that i would make payments as previously discuss i just wanted in writing what we had agreed on the amount of settlement and the monthly payments that would then follow. Still i heard no response from the agency they continued to intimidate my aunt about my debt. The problem is this agency wont accept payment if it is not cash and they ignore the fact that i am requesting written notice of the settlement amount we had agreed on. I also dislike how they continue to badger my aunt about them garnishing her social security benefits, and telling her they have a lawyer. My aunt is XXXX XXXX woman whose only income is her social security benefits, she is ill and does not need a collection agency aggravating her daily with threats.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax 's www.equifaxsecurity2017.com/XXXX site, some of my information may have been compromised : " Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX. '' I am not interested in enrolling in XXXX XXXX with the company who allowed my information to be stolen in the first place, especially in light of reports that the TOS for XXXX XXXX  requires that I waive my right to sue Equifax over the compromised information. In my opinion, Equifax has handled this situation poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Pawn loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX Home Loans Manager Vice President NMLS ID : XXXX XXXX XXXX, WA XXXX Direct XXXX Fax XXXX XXXX Dear XXXX : RE : loan no : XXXX At the end of year XX/XX/XXXX, I misled to refinance when I inquired home equity of my condo and paid appraisal fee and XXXX did not disclose a hidden fee of condo questionnaire fee at XXXX branch and I kept getting statements from BOA about closing fee about {$4000.00} more than {$1100.00} XXXX promised on day one and I was really disappointed to cancel the loan. I complained to you on the phone and you understood that and told me you did not have power to make a decision. Would you please direct me to the decision maker? After that, when ever I followed up by email or phone, you never responded. I am disappointed because I should not be responsible for appraisal fee at all when I clearly requested home equity without any cost and the hidden fee of condo questionnaire, {$330.00} was not disclosed clearly. It is obviously against TILA and CPA. 
To resolve the problem, I would appreciate your effort. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX or from XXXX, XXXX consumer reporter or filing a claim to XXXX county bar association 's consumer division. Please contact me at the above address or by phone at XXXX. 
Sincerely, XXXX

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 07-05-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Money was not available when promised

Complaint: I sold an item on XXXX for {$790.00}. Buyer of the item immediately upon winning the auction ( which ended on XX/XX/XXXX ) made a payment via PayPal, XXXX 's proprietary payment system. Item was shipped out the following day and received three days later. Buyer confirmed to XXXX and to myself that item had been received in good order. Paypal, however, immediately upon receiving funds, frozen said funds, with no recourse, for a duration of " 21 days ''. Buyer called XXXX and reported that item was as described. I personally have a history with XXXX ( as both a buyer and a seller ) that dates back to the infancy of the web site, without a single complaint. Paypal indicated that " a tracking number '' would facilitate the release of funds, but without it the funds would not be released before aforementioned 21 days ( with no indication of whether those are calendar or business days ).  Reported issue to Paypal 's helpdesk, which responded with an automated Email asking me to follow a variety of steps clicking a long series of menus and options that simply did not exist ( perhaps they referred to an earlier version of the system ). Multiple conversations with the helpdesk were unhelpful. Eventually, a conversation with a manager directly contradicted her subordinate and indicated that once item had been marked " received '', which requires approval by both sender and recipient, the funds would be released by today. Funds are still frozen and still can not be retrieved. I placed a call to the helpdesk, again, and have not as of yet been called back. Today is XX/XX/XXXX. There seems to be no recourse to get those funds back. The buyer acted in good faith. At no point was there any indication that such a process existed prior to the payment being made -- Paypal is effectively holding funds hostage with no recourse and no end in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit card () with KEYCORP (OH).
Issue: Credit card protection / Debt protection

Complaint: I closed my Key Bank account in XXXX. I had a credit card linked with the bank and asked to close that as well which they said they could and did. I told customer service at this time that I have not received a bill for the credit card either by email or by mail and they said it was just being sent out and I would receive it in the next few weeks. I am in the market to buy a house and found out that Key Bank put a nonpayment on my credit report. I called customer service again in XXXX several times, each time being disconnected or being passed around to the wrong department. My initial {$29.00} bill had become {$130.00}. I had still not received a billing statement and did not want to pay all the late fees etc and admit that I was at fault without a bill. After several more calls in XXXX, and being passed around to different bank departments I was still not able to talk with the right people regarding paying my bill and fixing my credit. I contacted the bank in XXXX and was told they would request all the fees dismissed and asked me to call back in a few days. I called back and was told all fees were dropped but they had no authority to fix my credit even though they stated they were at fault. I paid the {$29.00} that I owed and was told that I would have to submit a complaint to the cfpb to have my credit fixed. I am very angry that my credit can be destroyed without my knowledge when I am not at fault. It has cost me much time in phone calls, disconnects etc. I am waiting for it to be fixed so that I can get a mortgage without having to pay a higher interest rate. Key Bank customer service stated that this has been happening to other customers but it seems like they have done nothing to fix the problem of billing and causing hardship to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Navient has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eastern Account Systems of Connecticut, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (I do not know) with ProCollect, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Allied collection service should not report on my credit report as I am not liable for the debit since I have no contract with them. From  XXXX    XXXX  . They can not validate that I have a signed contract with them.   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Good Morning, In regards to the Equifax promised XXXX  XXXX credit monitoring & free credit report freezing. 
Not only have my credit accounts been compromised, but Equifax continues to be negligent with helping consumers protect their credit. I went to www.equifaxsecurity2017.com/ as instructed by Equifax announcement. I filled out the Equifax form to get free credit protection. Equifax then sent me an email saying that they would send me another email to finalize my enrollment and activate my product. It has been 7 days since then and I have not received an email from Equifax to complete the enrollment. 

I ca n't freeze my accounts until the process is completed. So my credit is still vulnerable. 

I called the Equifax call center and they did n't have any info about activating my product, but told me to call another number. How do I know who is on the other end of this 'other number '? My confidence in Equifax is null. 
Please help consumers protect their credit and make Equifax follow through on their promiss.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My prior complaint # XXXX has yielded no results even though billions of homeowners continue ( like myself ) to be victimized by Bank of America. I am requesting information as to who is the legal owner of my mortgage? Also what securitization of trust information is connected to this loan. Complaint # XXXX. Neither I nor my attorney XXXX was offered a loan modification even when we requested one. Also the reason for denying my loan modification request.

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 11/15/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: I have a Citibank MasterCard. I earn " Dividend Dollars '' ( " Cash Rewards '' ) for card usage. 
1 ) My XXXX monthly statement showed a Cash Rewards balance of {$95.00} ) As I did not use the card for sometime, no monthly statements were issued. 
3 ) My XXXX statement showed the balance to be {$49.00} ) I tried to find when and how my money was " eaten up. '' No help. 
5 ) I requested Citi to generate statements for some intermediate months. They did. But, these statements display no information on Cash Rewards balances. 
6 ) I called up a customer service rep. She was very helpful. But she could find no info on the missing money. She filed in a request. But I never got any money back. 
7 ) I told her about my unsuccessful efforts at writing a complaint letter to the customer service via secured email ( a standard feature that my other financial products companies offer ). She said that my account had no such feature ( she acknowledged that this was highly unusual ). 
8 ) Website informs ( please see screenshot ) Cash rewards you 've earned since being a Citi cardmember $ XXXXXXXXCash rewards you 've redeemed since being a Citi cardmember {$330.00} ) Currently, I have a balance of {$50.00}. So, the rest ( XXXX - XXXX - XXXX ) = {$56.00} was " eaten up '' by the bank. No trace! Request for info and efforts to get the money back meet stonewalling. 
10 ) Citibank recently paid fines to the Federal govt for bad practices. They do not seem to have learned their lessons. Cheating customers of their legitimate money seems to be their practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with ONLINE Information Services, Inc. (OR).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Calling at XXXX, wo n't identify themselves or why they are calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: About 5 years ago Equifax had my name mispelled and my birthday wrong. It took me multiple times to correct but it has happened again. It is happening because Equifax is using information provided from soft requests. They are getting companies that steal information online about me and use that information to get information about my credit using soft requests. I know this to be true because I use certain shortened versions and mispelled versions of my name on NON FINANCIAL sites that ask for the information for their records. Examples of these sites are XXXX, XXXX, XXXX and such. These are sites that have nothing to do with my financial records and are very susceptible to personal information being stolen. That same information again showed up on Equifax. I have again reported this to Equifax and am in the process of correcting it but since this is the second time it has happened I believe they need to be investigated. The collusion that happens between financial organizations and the big three credit reporting companies is hurting the average consumer. In the last 7 years I have one 30 day missed payment that was not my fault. It is showing up on one of the reporting agencies. That one wrong reported 30 day is costing me about XXXXpts on my score. The credit reporting companies make it near impossible to correct anything. For example ; if you do not have the correct birthday listed, you can not open a dispute online. It took me a few hours of reading and calling to finally find a phone number for disputes. The Consumer Protection agencies are not doing a good enough job making sure the consumer is protected. Please look into the fact that Equifax is somehow getting information from personal sites and using that information on its reporting. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with Credit Solutions LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid debt to XXXX XXXX XXXX through a settlement with their lawyer in 2015. Now XXXX XXXX is using a different lawyer who says that settlement in 2015 is null and void and I have to pay again.

Company response to consumer: Closed with explanation