milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the last 5 months I have been harassed by a creditor for a cell phone debt that is not even mine.They call at  XXXX    XXXX    at night,  they call from all different phone numbers including  XXXX  's and my local area code, and now even private.It is  XXXX   XXXX  right now and received 39 calls from  them.When I d o answer they do not even speak and they just sit there as I say he llo 8 times.Yesterday ca lls from this creditor started at  XXXX   XXXX    XXXX    in the morning! It i s affecting my sleep and job performance since at times I have   XXXX .This  company that goes b y Diversified Consultants ar e straight out harassing me and im fed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Credit reporting () with Credit Karma, Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: some is using an address that i have never lived at.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with EQUIFAX, INC. (AR).
Issue: Fraud or scam

Complaint: Dear Sir, Iam filing this complaint as my INSURANCE CLAIM was rejected by EQUIFAX XXXX   insurance! I had the {$1.00} XXXX Insurance in regards to the Identity theft insurance with XXXX provided by Equifax as our Data was breached! We had XXXX Bitcoins stolen from our Digital Account XXXX and we havent received the REFUND from XXXX and hence reached out to the insurance XXXX being handled by XXXX XXXX and after going through the insurance policy, filed a claim with TRUSTEDID through XXXX along with the documents 1 ) Proof of Bitcoins being transferred from our accounts to anonymous address 2 ) Police Complaint 3 ) FBI Report 4 ) Email proof of rejection of REFUND from the Digital account [ Our Digital Account website where Bitcoins were staying ] 5 ) Email proof of filing complaint with The XXXX [ Our Digital Account website where Bitcoins were staying ] 6 ) Also attatching the CLAIM BENEFITS! 

And the insurance clearly stated that we are eligible for the CASH Recovery if there is a XXXX, THEFT, UNAUTHORIZED TRANSACTION FROM YOUR ACCOUNT.But I was rejected saying that my account is not a FINANCIAL account, the main reason for carrying this insurance was to retrieve any stolen, fraudulent and unauthorized transactions of your financial assets from your account. 

I would like to get this to your notice that main reason EQUIFAX provided this insurance was to save customers financial assets from XXXX, THEFT or UNAUTHORIZED ACTIVITIES which happened in my case. 

My total stolen amount was {$12000.00} which was XXXX BITCOINS and would like to request to REFUND either of those as per the insurance claim.I would like to get this to EQUIFAX, TXXXX as well as XXXX! 

Appreciate your help in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from DIVERSIFIED. I had previously disputed this account. I have never done business with DIVERSIFIED pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX military veteran, I have been making my regular payment as scheduled, but lately I noticed my balance keeps going up, not down. Sometimessage double to near triple the previous month. 
At this rate, I will never be able to pay it off. 
I call Navient, the agent clearly lied and told me, no increases was made. I checked twice, this mo th alone and it went up twice. On there website. My balance increas ed by about {$1500.00}. In the last 45 days. 
This is clearly wrong, and illegal. I will contact a lawyer, if necessary. 
I notice others are now complaining of the same thing happening to them, All veteran 's. 
This is disgraceful and unbelievable that any government agency would do this. 
I will fallow through with legal action, if necessary. 
I am a taxpayer, law biding citizen, I will not be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my 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
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX tradelines in my credit file & report that does not belong ( XXXX XXXX XXXX, XXXX ). The company reporting the tradelines had no right to be reporting any information on me to any CRA. As a XXXX issue, the information is also inaccurate and incomplete. I disputed this information with Equifax, XXXX and XXXX. XXXX has recently deleted the XXXX tradelines. Only Equifax & XXXX are still reporting. To date, I disputed the tradelines XXXX separate times directly with each CRA. I also disputed the alleged accounts with the furnisher directly on at least XXXX separate occasions. At no time did the CRAs forward to me any documentation supporting how they veirifed the information & tradelines. I want the items deleted asap because at no time was the company a creditor of mine nor were they working on behalf of a creditor of mine and Equifax & XXXX did not & could not conduct a reasonable investigation under the statute without the proper authenticated documents. Also, how could this information be deleted in my XXXX credit file but be verified in my Equifax & XXXX credit files & reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Despite repeated attempts on my part to contact the company ( Navient ), and request a conversation with a human being, nothing happens. Navient continues to allege I 'm late on my payments ( I 'm not ), and assess late fees, and call me on a near-daily basis. I contacted the CFPB once before ( 3 years ago..? ), but all that happened was that I was referred to a representative from Navient ( XXXX XXXX at that time ), who simply referred me to programs to help pay my loans. This did not address the problem. Can the CFPB help me fix the issue with Navient?

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with The CBE Group, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CBE GROUP FOR XXXX PLACED A FALSE COLLECTION IN MY CREDIT FILE. NEVER HAD A ACCOUNT WITH XXXX NOR DID BUSINESS WITH XXXX. PLEASE REMOVE THIS DISPUTED INFORMATION IMMEDIATELY! THIS IS INDEED FRAUD.

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 02/24/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with Experian Information Solutions Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Experian and XXXX XXXX XXXX removed this item from my credit report. Legally they have to keep off my credit report which both have not. This debt has not been verified.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX has n't failed to accept application for repayments during hardship

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Credit card () with BARCLAYS BANK DELAWARE (AL).
Issue: Late fee

Complaint: I pay bills online exactly the day they are due. Barclay has decided to not accept online payments for my due date after XXXX eastern time which is XXXX for me. This has never been convenient and payments online after XXXX is my standard procedure. This problem is currently occurring and has been an negative issue for several months. I have made this problem known to the company several times and they have responded by refunding the late fees, only to make me pay the amount due and removing the fees from the balance. This method is also inconvenient because I am still having to go over budget to pay the " waived fees ''. I have complained to them about this several times and now they refuse to remove the fees. This problem is well documented within my account and their acceptance of it being a problem is well documented with the refunds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: years ago (  XXXX  and prior with no negligence was the last payment made, and  may  have been before  XXXX  ) i used  XXXX  for my cell phone company. i decided to change phone company 's due to the price difference. i called  XXXX  and let them know and they then shut my phone completely off after paying the last months bill.  XXXX  then continued to bill me on a monthly basis until the bill got up over a thousand dollars, even after calling them numerous times and kept explaining that i no longer use them and the phone was not even working any longer, and i am not paying for a service that is no longer in service, and i am not paying for a bill, i did not use while being billed.  XXXX  held on to the continued bill for about numerous years trying to get me to pay for something i continued to tell them i did not owe.   On  XXXX  of  XXXX  I had a credit check done on me in order to move into a new apartment and found that the phone bill was on my history and also indicated that the status was closed, but opened  XXXX  of  XXXX , yet with a current balance of {$1300.00} but was through a different collection agency other than  XXXX . ( i have a copy indicating the different dates and totals from the managers where i currently live ).   I never made a payment on this bill because I did not owe it ...   The date is now  XXXX / XXXX / XXXX , and had my credit checked again in order to move in to another new apartment and my report stated that another third party agency, " Convergent agency '', has now taken it over and says it was opened was on  XXXX , with a balance of {$1100.00} ( i never made a payment on this ) falsely showing both a price indifference and indicating to the new apartment that this bill is only a year old. When in fact, the bill is past the statue of limitations for Minnesota where i reside  ( 6 years ).  Due to this illegal action through the third party "    Convergent  ''  , I will not be able to move in to a new apartment unless this is resolved immediately. ( there is absolutely no felony or misdemeanor, nor do I have any debt ... a clean record ) I tried to call convergent and got a loud noise in my ear and the phone call ended ( it was not a fax number ).
I called T-mobile   and the only information they said they had in their computer was that it was given to " Convergent '' on  XXXX   XXXX ,  XXXX . Which shows another lie typed on my report done by convergent, saying it was opened on  XXXX  ( that alone is a almost a 4 year difference from when  XXXX  claims they gave it to them  ) .

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 09/20/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX, 11 fraudulent checks were deposited into my checking account and hours later the funds were available and withdrawn from different locations including XXXX and other atms. I noticed the activity the morning of XXXX/XXXX/XXXX and immediately attempted to report it to the number on the back of the card. This is a joint account and the card that was used was under the other card holder so he had to call and dispute. I was told to go into the branch also which I did that morning. The charges were disputed but a hold was put on the account for fraud. My regular direct deposit went into the bank on the XXXX for {$1100.00} but a hold was put on this until the investigation was complete. We were told at that point by the representative at the branch that are account would be closed and chances were we would not be reimbursed because the PIN number was used. I received 1 noticed that stated we were given provisional credit so we could function normally until the investigation was complete and this is not true. We did file a police report and are working with them on criminal charges, but that did nothing fro the bank 's investigation. I was basically without money for basic daily needs and the bank turned their head. We have attempted to follow up with the investigation but that has been very difficult because we are given no information from the branch and were refused any documentation from the supposed investigation that was completed. One rep told me the PIN number was used so that was the investigation. We are not allowed to speak to a supervisor when we ask and we are given the run around every time we try to follow up with any progress. We were told today that the " investigation '' was complete and the account would remain in negative standing but I have still not been provided with any documents regarding their research or investigation. We have both been treated like a criminal during this situation and told we did things that we did not do. The bank wants us to think that someone getting our PIN number is not possible and could never happen. There are ways in this day and time. 
I did ask the question several times about why these fraudulent deposits were made available so quickly and no one has been able to give me an answer. When I make deposits through the atm I have to wait on funds to be available. The customer service with this bank has been a joke and I will not stand for being treated the way we have been treated. The amount of money we are our is huge to us and the whole point of having a bank is so my money is protected. We tried going through XXXX and the FDIC but are still with no answers. I included the notices that I received dated only 1 day apart and 3 of the 11 deposits made into the account as an example.

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 06/24/2016 about Bank account or service ((CD) Certificate of deposit) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Deposits and withdrawals

Complaint: Dear XXXX, We, XXXX XXXX and XXXX XXXX, opened a 14 months CD account on XXXX XXXX XXXX with an interest rate 1.25 % and a deposit XXXX XXXX which got its maturity on XXXX XXXX XXXX at Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX, XXXX # : ( XXXX ) XXXX. 
The account number was XXXX. 
However, after its maturity on XXXX XXXX, this CD account got renewed with an interest rate 0.03 %, and we received no notification about its renewal except for an electronic alert enclosed as follows & gt ; & gt ; Dear eNotice Customer, & gt ; & gt ; A CD Maturity Notice has been generated for your 14 MONTH CD, account & gt ; & gt ; XXXX. 
& gt ; & gt ; To view your eNotice, login to Online Banking at http : //www.citizensbank.com. 
& gt ; & gt ; Remember : Always look for your Safe With Citizens ( R ) Image and Phrase before & gt ; & gt ; entering your Password. 
& gt ; & gt ; Thank you. 
& gt ; & gt ; Please do not reply to this e-mail as it is automatically generated. If you are a Retail & gt ; & gt ; Customer and have any questions, please feel free to contact us at XXXX, if & gt ; & gt ; you are a Business Customer please call us at XXXX. 

We moved from XXXX XXXX to XXXX XXXX last week on XXXX XXXX XXXX, and before our move, we visited the branch of Citizens Bank at XXXX XXXX XXXX, XXXX, XXXX where we opened all our accounts, and tried to make clear the final steps of our business with them. 

At our first visit on XXXX XXXX XXXX they informed us the renewal of this 14 months CD account, and our response to this was to close it immediately as we did not expect any renewal ( from Open/ Renewal Date : XXXX/XXXX/XXXX to Maturity Date : XXXX/XXXX/XXXX ). They penalized our closure with the following data XXXX/XXXX/XXXX Interest Transfer Out - {$60000.00} {$0.00} XXXX/XXXX/XXXX Interest Penalty - {$9.00} {$60000.00} XXXX/XXXX/XXXX Penalty Early Withdrawal Transaction Penalty - {$50.00} {$60000.00} for a total amount of XXXX $ penalty. 

We felt very uncomfortable about the way this was done as they said their system indicates a mail delivered to us which we never received - we had similar issues before. 
We called Citizens Bank online customer service and got responded that moving a long distance where no branch of Citizens Bank is accessible is a reasonable reason that this renewed CD account be closed without any penalty. 

After this phone call, we went back to this branch and had a talk with its manager on XXXX XXXX XXXX who deliberately run us out as he knew we are going to move soon. 

As we neither receive a phone call nor an email since then XXXX XXXX XXXX, we assume they would do the bad business with us and look for exterior authoritative help. 

Thank you in advance! 
XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation