milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an annual membership with XXXX in XXXX XXXX 2015. 6 months later, I was relocated to XXXX. So I made a cancellation for the gym membership in the end of XXXX 2015 just before I moved to XXXX. At that time, I asked to pay back the balance of the annual membership fee with presenting my new XXXX XXXX in XXXX , but they simply refused it. I did n't have time to dispute with them and just canceled my membership. Cause it was my last day in XXXX. 8 months have passed after I moved to XXXX . Suddenly I received an email from ABC financial services for the membership fee of XXXX XXXX XXXX XXXX. They argued the contract was not cancelled and asked me to pay membership fees. I sent documents to a general manager of XXXX XXXX XXXX XXXX so he can cancel the collection per trainer 's advice. It included an email from ABC financial and my utility bills in XXXX on XXXX 2015. After that, I have tried to talk with him for a week to ask a cancellation on the bill collection. I left my numbers to other trainers so he can call me back. However, he never picked up my phone and called me back. This is the reason I want to solve this issue through CFPB. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AMCOL Systems Inc is reporting  XXXX  medical debts to the credit bureaus that I have no knowledge of and that I do n't owe. Thus, I sent AMCOL a letter asking them for a copy of the original bills and detailed statements of the procedures performed. AMCOL received my letter on   XXXX    XXXX , 2017, however, AMCOL has failed to send the requested documents. In fact, AMCOL has n't responded to my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX   XXXX ,  XXXX ,  Capital One  assessed an annual fee of  XXXX  dollars on  my Capital One s mall business credit card. This fee is in return for a benefit of  two  percent cashback on purchases. This annual fee was to pay for this benefit the period of  XXXX   XXXX  through  XXXX   XXXX .     On  XXXX   XXXX ,  XXXX ,  Capital One offe red me a new, different product for the same account  - 1.5 percent cashback with no annual fee. I accepted the product, which they described as an " upgrad e. '' However,  Capital One  refused to refund the annual fee that I had already been charged, or a pro-rated amount thereof, seeing as how I would no longer be receiving the benefit of  a two perce nt rate of cashback.     Therefore, the promotion that was presented as an upgrade actually is not.     This refusal was made by  XXXX , who I was referred to by the corporate office.     I then made the same request to  XXXX , a senior acct. supervisor, who I was transferred to by the disputes department when I attempted to dispute the fee.      XXXX  said she agreed that I should receive the fee refunded but said she had no option to issue it, saying the refund could only be issued if there was an " offer '' available. She said she would escalate my request, but as of today I have not received any call back or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: Beginning in XXXX 2016, I have been attempting to close the remaining account from my deceased parents ' estate. I called WELLS FARGO BANK to find out what they needed from me to withdraw the funds and close the accounts, then visited a branch bank with the requested documents. An important document was the XXXX Small Estates Affidavit prepared by my attorney to give to banks permitting me to distribute small assets such as the Wells Fargo Bank checking and savings accounts. Wells Fargo Bank informed me I could use the affidavit for a savings account that had less than {$300.00} but not for the checking account which had about {$25000.00}, because the balance exceeded the acceptable limit for small estates. When I asked what the limit was for small estates assets I was told by the branch manager she thought it was {$2500.00}. I did homework online and discovered from a State of XXXX website that small estates affidavits are used for personal assets valued up to {$60000.00}, far more than the checking account balance. I returned to the bank with this information. Wells Fargo Bank then created another reason to deny me access ; they said though my parents last resided and died in XXXX, because the account was created in XXXX I needed XXXX court documents to permit me to act as agent. My attorneys in XXXX and XXXX both said Wells Fargo Bank is wrong. I confirmed this by calling the XXXX XXXX, XXXX XXXX office. Meanwhile Wells Fargo Bank froze the account assets. The bank 's requirements described here were communicated to me by the bank 's legal department through a branch employee. My request that my attorney be conferenced into a call to the bank 's legal department was denied. Wells Fargo Bank will not permit me or my attorney to speak to their legal department, I was told only bank employees can do that. Instead I or my attorney can WRITE A LETTER to them. The issues that I want resolution on and I am alerting the CFPB of are as follows. 
1 ) WELLS FARGO BANK must permit me to act on the Small Estates Affidavit by removing the assets and closing the checking account. 
2 ) WELLS FARGO BANK appears to be drawing out this process by not informing me of all the requirements at once, instead, repeatedly informing me of another requirement after I meet previously stated requirements. 
3 ) WELLS FARGO BANK was not forthright when it initially refused the Small Estates Affidavit, informing me the account value was too high when in fact the value was far below the State of XXXX limit. 
4 ) WELLS FARGO BANK is impeding a resolution by denying me and my attorney the ability to speak to the legal department directly. By all appearances Wells Fargo Bank is attempting to slow the path to a resolution with intent to hold onto my parents ' assets longer than legally justified.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX names that are not mine on 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 non-monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: SINCE 2010 THE COURT REQUEST XXXX XXXX XXXX XXXX TO PAY THE BILLS FOR THE HOUSE AND IM DONT. 
HAVE TO DO ANYTHING WITH THE PAYMENTS HES AFFECTING ME UNPORPUSE. 
That mean 1st. Mortgage ( XXXX XXXX ) and 2nd Mortgage ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of 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 monetary relief
Consumer complaint received 06/21/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Bank of America ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The " proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up " invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.

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 04/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, Equifax , and XXXX continues to report a repossession which is not associated with me, despite repeated disputes with both the CRAs and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Debt collection (Auto) with Jonathan Neil & Associates, Inc (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My mother was visiting me recently I told her I was upset because I had a letter from XXXX/XXXX/2014 threating to suspend my drivers license and remove the license plates from my car I was afraid I told my mother the letter is from a lawyer the letter had legal terms I was afraid I showed my mother the letter and she told me the letter is from a collection agency my mother told me there are at lease XXXX violation of the FDCPA a collection letter that is worded like a letter from a lawyer a collection letter that does not include mini Miranda violation fdca XXXX XXXX multiple violation XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX. 
This company, XXXX, is no longer in business, according the the BBB. 
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am including documents showing my current credit scores, according to Equifax XXXX credit bureaus credit reports and scores, this is simply unfair, that XXXX XXXX still reports my Gold Card I still have with them as a negative account, and there is also another problem at my job they simply do n't care, and having all the evidence showing this is unfair, as the complaint number shown above here at C.F.P.B. shows, there is no need to write a lot here, just to show how this looks at the credit bureaus today, Wednesday, XX/XX/XXXX, XXXX XXXX. Complaint submitted at XXXX XXXX today, evidence included here. No matter it appears written that consumer disputes the account, that does not change the fact, the credit reports are not showing any evidence about why the dispute still exists, and the negative account is just as negative, and unfair in this case, that the credit report still appears affected, and, I am not able to pay now for the F.I.C.O version of XXXX XXXX, the one used by banks most of the time, next XX/XX/XXXX to XX/XX/XXXX, the investigator at the U.S. Equal Employment Opportunity Commission said they should receive the first response from the local Department of Education, where I am suppose to be working and I am not, complaint at the E.E.O.C. is number XXXX, and there was no response from the local Dept. of Education since last XXXX, when this complaint at the E.E.O.C. was submitted, so is not only XXXX XXXX the problem. XXXX XXXX complaint evidence, added in order to show this is reported at all XXXX main credit bureaus, including XXXX also. XXXX XXXX canceled the pay over time, also called extended payment option the account, because of a negative report shown at Experian according to their representatives over the phone, but the error only appears at the F.I.C.O. version of XXXX XXXX as I detected and it is shown here. But no matter all the evidence included here, showing that XXXX recognized the error in writing, as the included e-mail clearly shows, and it is dated XX/XX/XXXX, and the dates shown at F.I.C.O. XXXX XXXX match with this date, but someone has to take the time to verify all this, this ca n't be done automatically, because of this error, XXXX XXXX suspended the extended option called also pay over time feature of this gold card, no matter it is needed by so many of us as clients and they know it, they have experience with me of more than 24 years already. The student loan in question, that is the center of this error, was transferred to the US Dept. of Education, and it was reported as delinquent by mistake during this process according to XXXX, why this is not recognized, as it clearly shown by XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with ASTA FUNDING INC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received notification that my wages were being garnish for an paid  XXXX bill that I have no recollection of. I never resided at the address listed on the bill and I was also XXXX at that time. The amount of the bill is XXXX . I have never heard of the company and I only learned of the debt from my employer. I do believe this debt is over 15/16 years old, and I don't understand how they are able to garnish me after all these years. I have been a resident of Pennsylvania for over 12 years. This debt is for a New Jersey address that I never resided at or ever had listed as my place of residence.Any information regarding this matter will be helpful,Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EQUIFAX XXXX XXXX XXXX XXXX GA XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Transaction issue

Complaint: I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!

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 05/25/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This issue is with XXXX XXXX. They have failed to report our information correctly. We never included our mortgage in the Chapter XXXX bankruptcy filing. We paid the loan off based on the short sale agreement established with this mortgage company. The date of the bankruptcy was XXXX XXXX and the house sale date was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Chase and XXXX will not provide my full payment history even after requesting and filing at complaint with the loan servicer XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Medical) with Holloway Credit Solutions (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Student Services (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.

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