milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to the government XXXX site : XXXX and was able to get my report from XXXX and XXXX, but when I tried to pull the Experian report the site came back with this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX A web search yields many people complaining about the same issue w/ Experian. Why is Experian allowed to get away with this when the other XXXX bureaus comply? 

The other thing is this : Why is there not a way to request the report via secure fax or upload-why would I want to send my personal information through the mail and labeled such that anyone looking at it along the way would instantly know what is in the envelope and would be tempted to steal it-this is a terrible way for Experian to treat people 's personal information. If they are not going to allow people to get their personal credit report through the XXXX website, then they at least ought to have a secure up-load mechanism that people can use to request the information instead of having to put it in the regular mail. Why do you allow this?

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 04/15/2015 about Debt collection (I do not know) with Focus Holding Company (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Perfection Collection (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Threatened to be at our home in a few minutes to serve papers, called family members and threatened to go to my work. Repeated calls for weeks. A collection agency trying to collect money for services we never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/22/2017 about Debt collection (Auto debt) with Prizm Financial Company, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I am a a few payments behind on my XXXX loan and Ive been paying towards it every week this representative from the loan company XXXX keeps emailing me and calling me harassing me telling me he is not on my XXXX XXXX I need to pay up or he will make it hard for me to keep my car also he is not stating the FDCPA with any of his forms of communications with me I have copys of the emails as well as voice mails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.

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 07/15/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with 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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I sent a document to obtain a free credit report. I sent Id, SS Number and evidence of residency.     The file not returned because not send the previously information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with DISCOVER BANK (PA).
Issue: Other fee

Complaint: Regarding the Discover Card Cash Advance Balance left over from the XXXX XXXX Statement, Per the Credit Card Accountability, Responsibility and Disclosure Act from XX/XX/XXXX, Any excess amount which is considered the difference from the minimum payment must be applied to the balance with the highest interest rate. 

I have recently contacted Discover over the discrepancy of the Cash Advance Credit Line Balance. They claim that I have - {$240.00} which would put my Cash Advance Credit Line Balance at {$4300.00}. I made a payment on XXXX XXXX, XXXX in the amount of {$750.00}. The minimum payment due was {$170.00}. This {$170.00} should have been applied to the Purchases Balance. The Purchases APR is 23.24 % while the Cash Advance APR is 25.24 %. 

Since speaking with XXXX different representatives from Discover, XXXX of them have come to the same calculations I was getting, while the XXXX stated that on some occasions, the portion of the payment that is supposed to go to the higher APR Line does n't always happen. This raises some red flags due to the fact that this impacts the Interest Calculations. The idea is that in general Accounting, both business parties ( Company & Consumer ) should be able to get matching figures on both Interest and Balances. Discover does not release what portion of your total payments go to Purchases or Cash Advances on the Statements released at the end of each cycle. This leaves a hole in the mathematical adjustments because not knowing what portions go to what Lines, the balances are impacted which in turn impacts the total Interest at the end of the cycle, due to there being XXXX different rates for each Line. 

The balances would have been as follows following the XXXX XXXX Statement for each Line : Purchases Balance carried over to the XXXX of XXXX ( includes Interest ) : {$4900.00} XXXX XXXX XXXX carried over to XX/XX/XXXX ( includes Fees and Interest ) : {$3800.00} Transactions from XX/XX/XXXX on : XX/XX/XXXX {$4.00} XXXX XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX - {$750.00} Payment ( minimum was {$170.00} ) ( {$170.00} goes to Purchases, {$570.00} to Cash Advances ) XX/XX/XXXX - {$5.00} Cashback Bonus Redemption ( Payment ) XX/XX/XXXX {$13.00} Cash Advance Fee XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX {$500.00} Cash Advances/XXXX XX/XX/XXXX {$25.00} Cash Advance Fee XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$120.00} Cash Advances/XXXX XXXX XX/XX/XXXX {$10.00} Cash Advance Fee All Cash Advance Transactions end at XX/XX/XXXX The total of all of these Cash Advance Transactions from XX/XX/XXXX to XX/XX/XXXX equal : {$920.00} The Payment Balance for Cash Advances subtracted from the Cash Advance Total above equals : {$920.00} - {$580.00} = {$340.00} Prior Cash Advance Balance ( {$3800.00} ) + New Cash Advance Transactions ( {$340.00} ) equals : {$4100.00} The Cash Advance Credit Line phases out at {$4100.00} ( Maximum allowed ) My available Cash Advance Credit Line should be - {$65.00}, not - {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Filed complaint with Equifax. They will " try '' to resolve in another 30 days bring the time ( if resolved ) to almost 90 days. Have spent over three hours on the phone with Equifax. Depending on who your are talking to ( I spoke to XXXX representatives they range from helpful to rude and incompetent. 
Spoke with the XXXX collection agency. They assured me that they submitted via " oscar '' on XXXX XXXX, all the required paperwork needed to delete the account. They sent me a copy of what they submitted to Equifax. 
Called Equifax back and they insisted they did not get the report. Spoke to another person the nextday. They acknowledged the the debt was paid and were unsure as to why it was still be reported as a derogatory on my credit report. He put me on hold several times and then stated I need to file a complaint with Equifax. I offered to sent him copies of what XXXX sent me but the Equifax rep informed me that they must deal directly with XXXX. 
It should not be this hard to correct an account that was closed as paid in full back in XXXX 2012

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Plese correct date of birth and remove any items prior to my XXXX birthday

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 03-01-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees

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 12-02-2015 about Student loan (Non-federal student loan) with U.S. BANCORP (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Lost my job in which I was able to afford to pay back my student loans and now I am currently under employed part-time. I completed a deferment application and was denied the possibility to re-pay my student loans at a later date in time. I need your help in it getting the bank to work with me until I can find a employment that will enable me to make the proper payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: calling on Sunday night late

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Billing statement

Complaint: The company delivered statements and other communications electronically while my account was open, as agreed. When I closed my account, the company terminated my access to their website but continued delivering statements electronically, which I could not access. A supervisor refused to say whether future communications would be delivered through the mail.

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 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 've submitted multiple disputes to Experian in regards to collection accounts that XXXX XXXX XXXX has inserted into my credit report as credit tradelines. I provided documentation to Experian on different occasions and each time the accounts come back verified. I supplied Experian a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the XXXX Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate. 

Documentation attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On  XXXX     2017  I went into my local branch of  Wells Fargo to close out my account. While attempting to do this they could n't find any information associated with this account. While doing this I found out that my checking account had been changed to a brokerage account. I do not remember authorizing this.Of course I was getting monthly statements in the mail as per Wells Fargo Exhibit 1,  so they did have some information about me. They stated I would have to fill out paperwork for Corporate Account and Supplemental Account Owner Documentation in order to get my money. I did and it was faxed to  XXXX    XXXX   by  XXXX   XXXX  at the branch that day as per Exhib it 2.  When I called to get my money  five d ays later they said that I would have to fill out another document, a  Corporate Resolution as per Exhibit 3. In the meantime I get a letter in the mail from Wells Fargo Advisors, Exhibit 4,  stating that they have n't been able to get in touch with me although the forms that I filled out on  XXXX  had that information. That letter was dated  XXXX   XXXX  although I did n't get it until  XXXX . A week later I called again to close my account and they said that they needed yet another document,  Supplemental Account Owner Documentation, Exhibit 5. One week later hoping to finally get my money I was asked to provide yet another document, their Corporation Account, Exhibit 6. I was told I would finally get my money through the mail in two day  s, on Friday, only to receive a a Securities Account Agreemen t Margin Account document. I think I have been more than patient and have bent over backwards to provide documentation that they should have had and once did have. I refuse to fill out any more documents and expect this incident to be settled forthwith.

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 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This I believe to be a power bill I 've never been contacted about I found out through XXXX

Company response to consumer: Closed with explanation