milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA. 

Also, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I responded to a marketing offer for XXXX XXXX XXXX miles if I opened a credit card account with Citibank. I had to make {$3000.00} in purchases within the first 3 months of opening the account. After I fulfilled this requirement, I never received the promised XXXX miles. When I called to complain, XXXX at the XXXX Florida call center told me I was not eligible for the offer because I had a similar account open within the last 24 months. However, he would not tell me when the past account was opened and closed. 

Two points 1 ) I believe it was more than 24 months between my closing the previous account and opening the new one. 
2 ) If Citibank had no intention of fulfilling their part of the deal ( ie. XXXX miles ), they should have notified me of that fact when I applied. The fact that they did n't means they made a deceptive offer to me and knew they were deceiving me.

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 01/22/2018 about Debt collection (Credit card debt) with U.S. BANCORP (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.

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 08/23/2016 about Credit card () with REGIONS FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.

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 09-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a loan mod in XXXX XXXX. XXXX XXXX XXXX I was informed they did n't have enough time to get the documents into underwriting. XXXX XXXX XXXX was the scheduled auction date on my home, so I filed BK chapter XXXX to save my home. If XXXX XXXX I did a chapter XXXX conversion to chapter XXXX. The bank went back to the court to have the stay lifted, on the grounds that I was 15 payments behind. That was not true, but I did n't have the necessary evidence with me to prove that. I have a payment history report from Nationstar Mortgage XXXX TX showing the payments and the date they were received. They charged me an enormous amount in interest when my note says not to exceed 4 %. They proceeded with foreclosure because the courts lifted the stay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (ID).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a CC with XXXX membership services. I was denied a card due to a bankruptcy from over 27 years ago. I have very good credit yet Citi had a card in that BK and they are still using it to deny me from getting that card. They stated the information came from XXXX, yet when I ran my report there was no incorrect information ( Good job XXXX ) No Bankruptcy on that record. When I contacted customer service at Citi I spoke to two people both only using first names. To get to a specialists in this area of issue. Quite candidly XXXX told me that due to the BK in XX/XX/1990 That my application was declined. I was told that if my FICO level was spectacular or just higher ( That magic number that is elusive to all ) I could have been accepted. The question begs to answer ... how long can a credit card company hold a BK against you? I was XXXX then. Thanks to that BK I changed my life and was a better person with things financially. Now I am XXXX. Ya think there is anything wrong with that picture? XXXX was painted as the company I can dispute the false reporting of my BK. Yet the facts here are written in stone and the past is never forgotten on Citi 's ledger.

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 06/28/2015 about Debt collection (Medical) with Aargon Agency, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX XXXX inserted a bad debt on my XXXX, On XXXX XXXX, 2015 DEBT RECOVERY SOLUTIONS also reinserted the same bad debt after previously being told its from Identity theft and removing it. There is no way both of those debt collectors can have a legal right to pursue XXXX bill at the same time. AARGON AGENCY INC also has the same debt listed in my XXXX, they last reported on XXXX XXXX. I 'm not facing double jeopardy I 'm facing triple jeopardy with XXXX debt Collectors listing the same debt & XXXX of them listing it 15 days apart in the same month.. XXXX XXXX XXXX XXXX XXXX both have the debt SEPERATED into XXXX accounts {$680.00} + XXXX total XXXX..Instead of the total being listed once. They 've maliciously separated the bill to do as much damage as possible to my credit scores. Instead of XXXX showing from XXXX co its now {$2100.00} AARGON AGENCY INC has it listed at but as one bill..So now the same bill is listed at over {$3000.00} in my reports. The Bill in question AARGON AGENCY INC has listed SPRING XXXX XXXX as the original creditor ( I understand that 's a HIPPA violation ) Both XXXX XXXX & XXXX XXXX SOLUTIONS have the original creditor as XXXX ( another possible HIPPA Violation ) I will be suing all mentioned parties for violations and filing complaints with my states Attorney General, The XXXX & Courts if these tradelines arent removed from my XXXX and if they 're resold or transferred again. XXXX companies cant have the right to legally try to collect on the debt at the same, XXXX or more companies are obviously trying to collect on a debt they have no legal right to collect on as well as the fact they intentionally misrepresented a debt by separating it to list it more than one time in my credit report. AARGON sold or transferred the accounts and has still reported on them while knowing they cant report or respond on accounts they dont have. AARGON also has a NV POWER BILL on my XXXX listed at an address I 've never lived at. I 've previously notified them it 's from someone using my identity..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXXDetails Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Just as of last week I was interested in checking my credit score. So I went to XXXX and I saw that I had 1 derogatory mark on my credit report. I noticed that it was XXXX. I was a XXXX customer over two plus years ago, I had a two year contract. I had a monthly phone bill that I paid every month on time until I fell into a financial hardship at the end of my two year contract that caused me to miss and not pay, from what I can remember which was my last two phone bills. I was unaware of my remaining balance that I owed XXXX for my last two missed monthly payments. I never received a bill in the mail and I never received an email because I opted out of paperless mail. XXXX sent my last two payments I missed to a collection agency for the purpose of collection. I never received a bill in the mail for the balance that I owed on my XXXX account. I'm actually glad I checked my credit score because I would have never noticed that I still owed XXXX. I would like to become a XXXX customer again very soon because XXXX has a certain phone that I'm interested in buying soon and no other carrier has that phone available. In order for me to become a XXXX customer again I need to pay my remaining balance off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made a settlement which was for less than half the balance owed on  XXXX   XXXX ,  2017  and it 's still on my credit report for a different collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Coastal Credit, LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I NEVER SOLICITATED LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service ((CD) Certificate of deposit) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.

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 04/27/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: Someone paid for their Regional Acceptance Telpayment bill ( autofinance ) by making a fraudulent authorized withdrawal from my checking account at New York Community Bank. This was done on XXXX XXXX, 2015 in the amount of {$330.00}. There were other payments paid the same way by a different person for XXXX bills. The bank could only reimburse me for the past two months. I contacted the Fraud Department at XXXX and succeeded in being reimbursed for the past year only, of the 15 months of fraud. I tried to call the Fraud Dept. at Regional Acceptance Telpayment ( phone - XXXX ) and was told I could not talk to them because I do n't have an account with Regional. They said I have to go through my bank. My bank said they only have a name and no other information. They can not help me. I want to be reimbursed by Regional for {$330.00}.

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 08/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: While applying for credit I came to learn that I had a judgement against me from Portfilio Recovery. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: The company in collections has not contacted me at all and has not answered our returned my calls. I want to pay this and get it off my report but they have been completely unresponsive

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I called Transunion to dispute a hard inquiry on my credit report due to fraud and they refused to dispute it referring me to the company. XXXX..I called this bank already and they told me there is no application for me. There is only an Rooms to go account that I have been an authorized user on since XXXX. That is no reason for them to check my credit in XXXX. This is fraud. No one seems to care when I call XXXX or Transunion. They are so unhelpful. Neither company cares that someone has attempted to get credit in my name or pulled my credit without my permission.

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