milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Colony Brands, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RAB, INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A man by the name of XXXX XXXX would n't tell us who he worked for but I later looked up the telephone number he called from. I discovered he works for Regional Adjustment Bureau , Inc. He is trying to collect a debt from a family member of mine that owns a business. He repeatedly used multiple telephone numbers which he spoofed even local numbers to make it look like it was a local call. We called those numbers back and they were random people that had no idea what was going on. He threatened to call us every day until we contacted the person who owed the debt. He even went as far as contacting my wife, her sister, and her family who has absolutely nothing to do with the company who owes the debt. He even went as far as calling them repeatedly and hung up on them with a very very nasty tone. He told my sister-in-law that she " sounded dumb '' and asked if she ever went to school. Secondly, he called my father a " dead beat '' and told my wife to " shut her mouth ''. He has called not only the people above, but also my brother, and my sister. We are all tired of this " debt-collector '' harassing all of us which we have absolutely nothing to do with the debt owed. He has violated the Fair Debt Collection Act completely. The telephone numbers that he spoofed to call us are : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called their dispute department and requested they remove all the hard inquires from my credit reports. I have sent letters to each one of these companies and have not received validation from any of the companies. I explained this to the representative that answered and the supervisor I spoke with. I was told that the only way to remove these inquires was to get a letter from the company that did the pull saying they did it and should not have. I told them I contacted each and every one of the companies and they did not respond with in 45 days of the letters being mailed. How am I supposed to have them sign a paper if they are not responding?

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 07-09-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX years old and I overpaid my mortgage and they issued me arefund check with my widow 's name on it, and I told the mortgagecompany that my husband was deceased. They asked me toforward a copy of his XXXX certificate and I did, and I stillhave n't received another check yet and they received XXXX certificate on XXXX XXXX, 2014.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Debt collection (Medical) with Augusta Collection Agency, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked for them to send me proof of the debt and they have refused. They will not even send it via XXXX Signature requested. I believe this debt is not mine and they will not prove it but has harassed me via mail and phone and now threatening me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX pulled my credit report on X/XX/2015 without my authorization.

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 02/24/2016 about Debt collection (I do not know) with ECMC Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded.

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 02-05-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XXXX of XXXX i disputed some transactions ( XXXX XXXX XXXX ) as service not as described. I disputed this with Bank Of America and clearly stated why i was looking to dispute these charges and they denied the claim within days not giving the proper investigation. XXXX XXXX coerced me into staying in my contract over this time period and even further back than the one year that was disputed. Bank of America told me they dont even go as far back as i was requesting which i think was ridiculous. As a consumer i have the right to dispute these charges and receive/ keep my provisional credit of {XXXX} and even further back than that. I will go to whatever means to prove i have the right to these funds. This is NOT A FRAUD ISSUE. I am NOT claiming fraud. This is a NON-FRAUD issue due to negligence by the merchant and a lack of service as described by the merchant when amenities that i orignally signed up for were taken away. Bank of Americas lack of consideration for their customers is beyond me. I hope this reaches them. Thank you.

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 06-10-2015 about Credit reporting () with First Data Corporation (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and someone opened up unauthorized and fraudulent checking accounts in my name and wrote bad and outstanding checks in my name using my personal information and stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Wells Fargo is charging me 24 % on my credit card unpaid balance for no logical, justified or apparent reason

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 06/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I became delinquent on my credit card bill k in XXXX. In XXXX I made arrangements with to settle the account for less than what was owed. The agreed that if I paid one lump sum the account would be marked as paid in full. In XXXX XXXX I received an letter from XXXX XXXX XXXX, XXXX collecting on the debt. I sent a dispute letter and they replied with copies of my monthly statements from XXXX to XXXX. I received a confirmation letter regarding the status of my account but have disposed of it because so much time has passed. I have also switched financial institutions and do not have access to statements showing the payment. I am trying to receive a copy from the financial institute. The disputed balance is XXXX due XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Bank account or service (Checking account) with FIRST REPUBLIC BANK (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015, I mailed an envelope from the XXXX Post Office to my landlord 's business address in XXXX, CA ; the envelope contained a personal check from my account at First Republic Bank payable to my landlord in the amount of {$1600.00}. On XXXX/XXXX/2015, an unknown individual entered a XXXX XXXX branch and negotiated my check with a forged endorsement. On XXXX/XXXX/2015, after communication with my landlord I contacted First Republic and let them know that my check had been fraudulently cashed. I then went to the First Republic location in XXXX XXXX and filed a fraudulent activity report after which I was told that the case would be reviewed and my account would be provisionally credited the missing funds. In the subsequent days I was told that First Republic does not offer provisional credit for fraudulent check activity and that the report/claim was in the hands of XXXX Fargo Fraud Department for resolution. 
I have been contacting a manager at First Republic weekly since the incident and am simply told that the fraud investigation is in the hands of XXXX XXXX. No timeline for a resolution has been offered and my attempts to contact XXXX XXXX Fraud have been totally useless - their Byzantine customer service/fraud department simply transfers a person back and forth. Is there no banking regulation that protects customers in the event of fraudulent endorsements?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (NE).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a " Premier Checking " account with Webster bank in XX/XX/XXXX with promo code " XX/XX/XXXXPremier {$350.00} '' for {$350.00} sign up bonus. 
Upon inquiring about the bonus status I was told on Date XX/XX/XXXX via Secure message " Thank you for your recent email to Webster Online Services regarding a promotional credit.We have reviewed your account and show that it was opened under our XX/XX/XXXX-XX/XX/XXXXPremier {$350.00}  promotion. We have confirmed that you have qualified for the promotional credit by maintaining an average balance of {$10000.00} or more during the month ending XX/XX/XXXX.Your account will be credited the {$350.00} promotional credit on XX/XX/XXXX, as long as the account is still a Premier Checking account at that time, and is in good standing on that date. This means that the account must have a positive balance and not in the process of being closed.If you have any additional questions or comments please contact us through www.websteronline.com or call us directly at XXXX, 24 hours a day, 7 days a week.Thanks again for your email and for allowing Webster to serve your banking needs.Sincerely, XXXX XXXX.Customer Service '' HOWEVER THE ACCOUNT WAS N'T CREDITED AS PROMISED. 

Upon second inquiry via secure message now I am being told that there is no estimated date for crediting the account. 

This is clearly in contrast with the first information via secure message. 

I would like to file a complaint for this misleading information and would like to request that my account is credited {$350.00} at the earliest as promised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for XXXX XXXX. This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NV).
Issue: Other transaction problem

Complaint: This is not a duplicate complaint. In XX/XX/XXXX, i filed a complaint with cfpb ( Complaint # XXXX ) regarding my unsuccessful attempts to get PayPal to close my XXXX husband 's account and send me a check for the balance left in the account ( {$690.00} ). PayPal did respond to that complaint with a letter and a check. The check was made out to XXXX XXXX and the bank refuses to cash a check made out to a XXXX person. In a letter dated XX/XX/XXXX from XXXX XXXX XXXX, Operations Counsel, he noted PayPal had received my letter of XX/XX/XXXX,  requesting closure of the account and a check for the balance. He stated PayPal never received documents required to close the account. He seems to have missed the paragraphs in my letter in which I wrote of my repeated unsuccessful attempts to forward the documents by the FAX number given, and request for assistance in getting the documents to PayPal. 

In XX/XX/XXXX and XX/XX/XXXX, I made repeated attempts to reach XXXX XXXX. I left messages on his phone ( XXXX ) and his cell ( XXXX ) asking for assistance in getting a check issued in my name. I go no response. I wrote a letter on XX/XX/XXXX. Again -- -no response. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 I requested XXXX provide validation for {$500.00} debt being reported to credit bureaus. On XXXX/XXXX/15 XXXX responded, but did not provide sufficient evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with Credit Karma, Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm a victim of ID theft recently. It puzzled me that the ID thefts were targeting specifically all creditors/accounts we have or had business with. They tried to change contact information, requested replacement cards and tried to open new accounts. I saw in my credit report yesterday an inquiry from Credit Karma from about 2 weeks ago just when all that started to happen to us ( my wife as well ). So, we tried to open Credit Karma accounts for ourselves yesterday just to find out that the ID thefts have done that already with our SSN, DOB, and other information to pass the security questions and therefore we can not open accounts ( accounts are linked to email addresses provided and based on the error messages and email address fragments they are not ours. We do know the fraudulent email addresses used from creditors informing us about fraudulent account opening attempts ). And with accounts in Credit Karma they have free access not only to our credit scores and score monitoring, they also have free access to our credit reports from XXXX and XXXX and with that they have ALL the information needed to pass any kind of security or verification questions to get more reports, open account, or worse could possibly lock us out of our own credit reports. Unfortunately, Credit Karma does not have a phone number listed at all so one could talk to a live person to address this fraudulent issue. They only have an email request portal and we are waiting to hear back from them ( per other user feedback, they are not very good at getting back at people ). And, we have been waiting for 2 weeks now for our local PD to write an ID theft report so that we could take action to place an extended fraud alert or security freeze - can we actually place both? So, at the moment, we are sitting ducks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my home loan with Bank Of America and they did n't pay me all my interest back.

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 09/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been unemployed since XXXX. Navient called me everyday and sometimes three times a day to collect. They kept giving me forbearance and reporting my loan delinquent. This occured between aprox. XXXX thru XXXX. I now have income driven repayment. I did not even know about this nor did they ever offer it as an option till XXXX. 
My credit is now ruined because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax suffered a data breach and failed to adequately notify me of the breach in a timely fashion. Additionally, Equifax has not provided specifics on which pieces of my personal identifying information were stolen. Equifax 's overall communication and handling of this entire issue have been poor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion XXXX XXXX XXXX should not be on my credit file. I have provided proof from them as Attach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Associates, on behalf of XXXX, XXXX XXXX has been constantly calling me and annoying me. I have explained to them that I had credit card fraud going on when I made a few purchases at XXXX XXXX, and that I returned the items back to XXXX XXXX. I have even told them I have a copy of the police report I made when I had this credit card fraud going on. They still hound me and insist that i owe close to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Under public records, I have a case filed with XXXX COUNTY REGISTER OF Docket # XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX ( XXXX ) XXXX And it was filed on XXXX/XXXX/XXXX and it was resolved out of court and paid on XXXX/XXXX/XXXX. My problem is that they refuse to remove this information after it has been over 7 years. and statute of limitation for Michigan is between 6 or 7 years. And TransUnion want to keep it on record till XXXX. It has been removed from the other XXXX credit bureau. I really want this to be corrected asap. 
Thank you, 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 03/17/2016 about Consumer Loan (Vehicle lease) with BOEING EMPLOYEES CREDIT UNION (OH).
Issue: Managing the loan or lease

Complaint: Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington

Company response to consumer: Closed with explanation