milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with D&A Services, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A debt collection company has called repeatedly leaving messages with family/friends saying that they are calling from D and A Services ( or DNA? ) to collect a debt and information to return the call. I, as well as family/friends, contacted the company and requested that they stop calling. They have not. Also, they do not always state who they are attempting to contact regarding this alleged debt, I believe intentionally, in order to have my family member ( s ) return the call. They have also given out private information such as my name, the amount of the alleged debt, and also ask for my contact information. This has been very annoying, frustrating, embarrassing, not to mention illegal. They are just flat out completely ignoring all requests to stop the calls. I do not know what else to do other than file a complaint and talk to an attorney. It is apparently a useless waste of time to continue requesting that they stop calling so I am hoping that this complaint will help. Thank you for taking the time to read my message and for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with Law Office of James R. Vaughan, P.C. ().
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, IL XXXX ( XXXX ) XXXX On or about XXXX XXXX, I received a structured settlement of approximately {$500000.00} On or about XXXX XXXX, XXXX, I opened XXXX checking and a savings account at First Merit Bank. I opened the account at the First Merit branch location located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Initially I put {$140000.00} and withdrew {$55000.00} leaving a balance of {$90000.00} in Account # XXXX XXXX XXXX. See attached Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. 
I continued to make various deposits until XXXX XXXX. I believe I put in {$70000.00} additionally over the course of the years. In total, {$160000.00} was stolen from my account and is unaccounted for. 
In XXXX XXXX, XXXX, the teller, indicated that someone had closed my account without my consent. XXXX XXXX, Assistant Manager, asked if he could invest my money. I said no. I witnessed another customer crying because someone had taken {$20000.00} out of his account. XXXX indicated that he would investigate. He told me the investigation would take 3 months. I never heard back from him. But XXXX, surname unknown, a teller, later reported to me that XXXX bought a house in Florida and left the same week that my money went missing. XXXX reported that I was not the only customer whose money went missing. 
Over the years I have been complaining to employees at First Merit Bank. In XXXX XXXX, I complained to a person who said her name was XXXX surname unknown who indicated she was the Vice President of First Merit. She indicated that she would investigate. In XXXX XXXX, I went to First Merit, XXXX XXXX, Senior Client Champion, indicated that no one investigated my concerns over the years. 
I would like my {$160000.00} returned, and these allegations investigated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Pioneer Recovery has just taken over my student loan without my knowledge after I had filed a complaint with XXXX and is harassing me and my family and my work place looking for me. While I am trying to straighten things out with XXXX I would like them to stop the phones calls.

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 05/18/2015 about Credit card () with U.S. BANCORP (AE).
Issue: Rewards

Complaint: Signed up for XXXX credit card from US Bank a few Months ago. Benefits included " Bonus Award Nights -- When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. '' Shortly after I received this card/account, this benefit was revoked. This constitutes a bait and switch tactic.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OK).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX   XXXX  l, closed  2  of my accounts, best buy and  XXXX . I have had these account for years. never been late was a good customer. they said my credit rating went down. ( with them closing my account the real went down   ) w  hat gave them the right to judge 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 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a co signer to XXXX a friend XXXX i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation nationstar reporting inaccurate information on credit report no knowledge of account sent po report case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Can the mortgage company request, for the housing counselor to sign the letter of authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/16 I received a " Collection Notice '' from Credit Collection Services ( XXXX XXXX XXXX, XXXX, MA XXXX, XXXX ) claiming I owe an unpaid debt of {$490.00} to XXXX XXXX Bank. I have mailed a letter dated XXXX/XXXX/16 to this company, and to the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, stating that this is a fraudulent claim in that I never had any account or financial relationship with XXXX XXXX and owe no such debt. I also never received anything from XXXX XXXX or previously from this collection agency regarding any alleged debt, and the Collection Notice provided no mechanism for refusing the claim.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Equifax for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. On XX/XX/XXXX I began my dispute process with Equifax, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Equifax only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. I sent Equifax numerous letters stating that what the collection company was doing was in violation of FDCPA laws and FCRA laws and they were reporting me illegally with no available debt validation. I have filed CFPB complaints against Collection Consultants in XXXX CA for illegally and fraudulently reporting onto my credit file with Equifax. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this account is absolutely in violation of that and I question the methods that Equifax is utilizing to verify consumer disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
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: I did not open any credit cards recently other than my XXXX credit card and was approved. There should n't be any other marks on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The former owner of the telephone number has debt. I have tried to tell the creditor, they have the wrong number. They keep calling. I have filed a complaint with the attorney general. I have asked to speak to a supervisor and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing ( SLS ) recently wrote to inform me that I did not provide them with all the documents needed to complete my modification application. This is untrue and follows the pattern of months of having to resend documents multiple times. In fact XXXX of their agents informed me today that the document first thought missing was actually sent by me on XXXX XXXX. As a result of not acknowledging or accessing all available documents for their review, I was informed by an agent today that I have to restart the modification application process. I first started this process with SLS on XXXX XXXX, 2016.

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 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Other transaction issues

Complaint: Moneygram refused to refund me for the money that was NOT collected by my family over a year ago. I have n't gotten anything from then for almost 3 weeks of complain.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Payday loan) with High Point Asset Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted several times in regards to collecting a debt from me for a payday loan that I do not recall obtaining. This loan supposedly happened in 2013. I have never received any written documents in regards to this payday loan. For about a year now I have been receiving threatening phone calls from different numbers regarding this payday loan. The calls are coming to my home phone number and my cell phone number. When I ignore the calls it seems as though they come more frequently and more threatening. Also after ignoring the calls from one number for a while, the calls start coming from different numbers. These calls are becoming a nuisance and I would like for them to stop. These people are trying to get me to pay/settle on a loan that I do not remember and pretty sure that I have not taken out. I have a list of the different numbers that they have been calling me from as well as the different companys involved in the harassment. In my last contact with the company involved I obtained the name of one of their representatives. The companys involved are : Highpoint Asset, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Phone numbers involved are XXXX, XXXX, & XXXX. I would greatly appreciated if these calls will stop!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Twin Brothers name is showing on my reports, such as when i purchased my home and when i recently got home security installed

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 08-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: Hi, I enrolled in the American Express offer of spend XXXX+, get XXXX bonus membership points at XXXX XXXX XXXX XXXX XXXX of my American Express Cards . I met the requirements on all XXXX cards, but only got XXXX bonus points. I am expecting XXXX membership points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America ran the clock out. I had a Scheduled XXXX Sale XXXX/XXXX/16 On Tuesday XXXX XXXX Bank of America told my realtor they were going to have a new appraisal ; done because of new contract submitted. Bank of America also told my realtor XXXX XXXX they would request a postponement of the XXXX Sale to allow the Short-sale to complete. On Friday XXXX XXXX, 2016 I contacted Bank of America and spoke to XXXX XXXX Customer Care Specialist who informed me no request for postponement of the Sale was submitted. He then requested it and BOA denied. I also received a call on Monday XXXX XXXX, 2016 XXXX pm, I received a Voicemail from XXXX Compliance Dept BOA. I returned his call and left a detailed message stressing the urgency in needing a response. I also called 9 times on XXXX XXXX, 2016 trying to get help. I got no response. Finally after the XXXX XXXX Sale happened I received a call from XXXX on Friday XXXX XXXX,. 2016. I did all I could to prevent the sale from happening. BOA drug their feet. They accused the realtor of not submitting docs when they were. Basically BOA gave my realtor and I the run around At this point I am seeking legal help. Someone has to hold BOA responsible for unfairly treating homeowners in stress.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to investigate my account Wells Fargo. Account number : XXXX. On XX/XX/XXXX, I got a court letter mentioned that I still had outstanding balance with total amount {$11000.00}. On that date, Wells Fargo illegally withdraw my money from my account without going to the court system. I am so depressed now because I need to have this money to take care of my family. Please I want to get my money back. 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 08/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check in my Wells Fargo checking account on XXXX XXXX. The check came from my checking account at XXXX. After completing the deposit, I received a message from Wells Fargo that XXXX funds would be held for up to 10 days. The funds were withdrawn from my XXXX account on XXXX XXXX. 

There is no reason for Wells Fargo to hold on my money for so long. This will probably trigger some additional overdrawn fees on my account. I was going to pay down my credit card balance. I was going to pay several bills, but this delay to access my funds means more late charges. 

I would like Wells Fargo to release my funds to me immediately.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have recently looked over my credit file and noticed theres negative information reported by XXXX XXXX XXXX XXXX XXXX file # XXXX, XXXX, XXXX. This is kept under my Social Security Number in error. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with the courts and provide me with copies of any documentation associated with my signature In the absence of any such documentation associated with this account, bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that you have 30 days to complete this investigation as per the FCRA Section 611ca ) ( 1 ) ( A ) and I am keeping careful record of your actions, including your METHOD OF VERFICATION. I do not consent to XXXX or any means of automated verification. 
Failure to respond within 30 days of receipt of this certified mail may result in a small claims action against you in a venue close to my location, and you will be cited to represent yourself there {$1000.00} per violation will be asked for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of FCRA This is my second letter asking how you  verify. I have enclosed a letter from my Bankruptcy court saying they dont verify by phone or mail they only method of verifying is if you come in person to the court building. Please let me know the person name and phone who goes inside the court house to verify this information so I can personally contact them myself. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation