milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams, Rush & Associates, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Williams Rush and Associates as continued to contact me harass me in regards to an account that XXXX sales and lease charged off. I have since then paid the debt with the arbitration company that hired. Williams Rush and Associates are claiming to be attorneys and they have threatened to have me arrested for theft of merchandise and I have told them the debt was settled in which they could see own their end. I believe that XXXX sold all of my accounts to Williams Rush but only provided XXXX account number because they both have provided the same total amount due. then XXXX is who I settled all charges with and they told me I do not owe their client at this time I also shared what was going on with Williams rush and Associates and they asked me to contact the attorney generals office and I did. I do n't think it is fair that these companies and call and disguise themselves as attorneys and leave threats and harassing voicemails on someone 's phone especially when the debt has been settled. then posted the account to my XXXX credit report while XXXX was reporting the accounts as charge offs. They are not right at all and should their business should be shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a loan reporting on Equifax from XXXX XXXX. I have never taken out a loan with XXXX and Equifax refuses to remove the vehicle and the associated inquiries for this loan. I have contacted XXXX and they provided me with a letter confirming that I do not have a loan and submitted this data to Equifax at the fax number they provided me with. I 've called and disputed this several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: An alleged collection company  ( Harvard collection services Inc )  phone number  XXXX   XXXX  and  XXXX  contacted me couple of weeks ago until present trying to collect an amount of  XXXX . This amount was paid to  XXXX   XXXX  located in  XXXX , TX approximately 3 years ago which is I 'm pretty certain that I 've paid that amount. I asked the company to provide me their professional practicing license, they have n't gave me any. In this time, they 're keeping calling me to pay that amount inconvenient times during work and on weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Complaint is about Targe t Card Services. I moved in 2015 at  which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense  because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2017 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Problems caused by my funds being low

Complaint: U.S. Bank charged an overdraft fee when the account never had a negative balance according to online banking records. In addition, the account is " opted out '' of overdraft protection and can not be charged an overdraft fee on " regular, everyday '' ( Dodd-Frank Act ) transactions that result in a negative balance. The bank has reserved the right to process these transactions but not to charge a fee resulting in the inadvertent processing of these transactions which results in a negative balance on an account that is " opted out. '' The transaction that U.S Bank alleges having caused a negative balance is a recurring charge from XXXX for xbox live services. This recurring charge occurs regularly, every month, in the middle of the month.

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 03-03-2016 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (I do not know) with Account Control Technology, Inc. (PR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) This company is harassing me my family and friends and my employer, in relation to alleged debts. 
I sent a Cease and Desist letter to this company for their alleged collection attempts but they continue, I want immediately file a complaint. This company need to stop with this harassment practice in violation of the FDCPA and the Consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (NM).
Issue: Application, originator, mortgage broker

Complaint: We have tried for nearly 2years to get a loan on our houses without success. Have also tried to, refinance our business property with out success. We are both in our XXXX. My husband is self employed and I am still working full time. Our home is not mortgaged and our business is with a high interest. The properties are worth XXXX XXXX.We have tried various loan sources who promise a lot. My husband is a veteran and we can not get at VA loan. We get no response as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed a collection on my credit report from Commonwealth financial. I do n't know where this came from. They never contacted me or anything. they just reported this error on my credit. I have been writing them for XXXX months asking them to validate the account. They wo n't respond yet they keep reporting this on my credit. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My last attempt to clear my debt with Carecredit/synchrony Bank. So it would seem after numerous attempts to get a settle amount ( no more interest charged ) above the ridiculous interest rate of 25 % after the offer expired. The loan I paid for 2 years every month taken out of my account was exactly the same as when I began because of the interest XXXX. XXXX. Now the debt has been sold to a third party with an answering machine? This was after three phone calls as to where the account was. If Carecredit can sell of there bad accounts and not be responsible for good business practices, it will be difficult would be difficult to see on paper how they are taking advantage of signing up for the credit when your animal is hurt or at the dentist. Again bad business as far as I 'm concerned.

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 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the account XXXX This account was paid off and it was not my account. I did not open this account. This is a fraudulent account. I want it removed immediately from my credit report please. Once this is removed i want a investigation with the correct FICO Score.

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 12-04-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Approximately XX/XX/XXXX, I hired a law firm to dispute a fraudulent debt that showed up on my credit report with Dynamic Recovery Solutions in the amount of {$4800.00}. We sent them a fraud packet and advised them the debt was fraudulent. I understand the original debt was from XXXX XXXX and Dynamic was responsible to forward my dispute to them as well. A response to the dispute was never received. I assumed it had been resolved. Later, I realized the debt was still showing up on my credit so I had another dispute sent it again in XX/XX/XXXX/XX/XX/XXXX. When we followed up with Dynamic Recovery they advised the debt had been sold to XXXX XXXX XXXX. This debt should not have been sold because it was identity theft. I contact the number for XXXX XXXX and it appears to be a bogus number. I have attempted to dispute this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

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 11/29/2016 about Consumer Loan (Installment loan) with 2288984 Ontario Inc. (MD).
Issue: Managing the loan or lease

Complaint: I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A debt verification letter was sent 31 days ago and no response was ever received. The debt is still being reported on my credit even after they failed to properly verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Billing disputes

Complaint: Bank of America ( BoA ) continues to refuse to accept my payments. On two separate occasions they have refused to accept online bill pay checks drawn from XXXX XXXX XXXX XXXX ( XXXX ). XXXX reports that the checks were reportedly returned because BoA was unable to determine the account number. This assertion is false on its face. Each check contained my full name and and either the full account number or a redacted version. See the attachment to this message, a threatening letter from BoA, that includes a payment coupon which only references my name and a portion of the account number. As you can see, its explanation lack substance. Upon information and belief, BoA is refusing to accept my payments in order to assess unlawful late penalties. In a third payment attempt, on XX/XX/2017, I paid the balance in full at the site XXXX. It is unclear if BoA will process this payment. If so, this should conclude that matter. All late payments must be refunded and my balance XXXX. Any and all derogatory information reported to credit agencies must be recalled and corrected. Thank you. 
Very truly yours, XXXX 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 09/30/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The bank froze my account to all withdrawals. Began on XX/XX/XXXX. On line it said it was because I needed to fill out a XXXX and signature form but when I clicked on it to fill out forms it said " not available at this time, please try again later ''. Then I called the bank on the XX/XX/XXXX, they said they were doing a review of the account because of returned items and it would take three business days and be available on the XX/XX/XXXX. On the XX/XX/XXXXmy account was still frozen so I called again, spoke to an excutive customer service agent and this time they claimed the account was frozen because they believed someone tried to hack my account. They did n't know when my account would be unfrozen. Then they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX,2017, My husband was approved for a CC Capital One. It was then shipped out on XX/XX/2017.When we received the CC we contacted Capital One to activate the CC. We than were told the by several agents the CC was placed in the Fraudulent department? We than tried to get answers as to WHY it was placed in that department and no one had the answer but to tell me us We do n't know. So my hubby spoke with an agent to get this cleared up, she asked him several questions. ( he could NOT hear her due to the interference and she spoke so quickly my hubby asked her many times to slooooow down. she than apologized and informed my hubby that unfortunately they could not activate the card? She than requested some vital information from him to submit to Capital ONE ... and we still are unclear as to WHY the card was placed in the Fraudulent department and why he was approved! They refuse to hear reasoning 's so I decided to submit a complaint to this agency

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: ENHANCED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ( I do n't know if this is the correct address and number, they 're a very shifty company ) has filed a fraudulent collection on my credit report. I can not contact them to discuss this issue because they are a corrupt third party collection agency who frequently breaks the law according to the BBB and reviews on the company. The collection Account # XXXX {$570.00} Balance XXXX Original Creditor {$570.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Individual Account.Responsibility has already been removed from my credit report twice before- Agency Report Date Removed Original Creditor Amount Owed Bureau AFNI, XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX XXXX XX/XX/2016 XXXX {$570.00} EQUIFAX This is a criminal attempt at fraud and it has damaged my credit. Twice before this collection was removed from my report because the previous collection agencies investigated the bill and found that XXXX falsely tried to bill me and they dropped the collections and now this agency is attempting the same thing, illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Savings account) with BB&T CORPORATION (MI).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA

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 03/13/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Billing disputes

Complaint: Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I have a car 72 month fixed rate Loan with BB AND T bank. 
I never had late payment I always make payment on time but the interest keeps going up. 
I want to know why it 's keeps going up. I usually pay total {$470.00} per month with interest of {$61.00} BUT it keeps going up and I 'm currently paying interest charge of {$75.00}. 
I want to deduct principal so I pay extra per month but the bank always charge more interest every month. 
I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Credit card) with Bursey & Associates, P.C. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a judgement from a law firm of Bursey + Associates based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of XXXX XXXX XXXX, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation