milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Debt collection (Medical) with BC SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/XXXX/2015 I reordered my usual list of XXXX from XXXX XXXX, as I have been doing for the last ten years. On XXXX/XXXX/2015, without any bill or notice, they REMOVED {$260.00} from my checking account - without my consent. They claim I gave them permission XXXX years ago. This resulted in an overdraft on my bank account. I immediately closed that checking account and opened a new account they had no attachment to. 

I complained about this matter to them, but never heard anything back ; Until they contacted me in XX/XX/XXXX to try to collect on an outstanding balance of {$260.00}. I told them it was paid, and I had a balance of {$0.00}. They claimed to have refunded the money back to my account in XX/XX/2015. 

I have spoke to the bank on multiple occasions on this matter, and they assure me NO REFUND HAS BEEN PROCESSED, nor could it, since that account was closed more than 30 days prior. 

XXXX continues to harass me about this bill, even after I have faxed them copies of my bank statements, and had a three-way call with them and my bank. They have now enlisted the help of a collection agency ( BC Services ) who have been repeatedly calling and sending mail about this bill. 

I have not been able to reorder any of my medical supplies in the last year ( some items should get replaced monthly ) and now I will have to find another supplier, which will cost me more money because XXXX is the only XXXX supplier in network. 

This bill was paid in full, and they are threatening my credit which I am just starting to rebuild. I am looking to buy a new home and need all the help I can get.

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 08-12-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CT).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: This all began when my loan originated for this consumer vehicle loan. This account has been with Wells Fargo Dealer Services for a few years now and I feel as though the dealership along with Wells Fargo tag teamed and quickly coerced with sales tactics and promises of a low interest rate being a young and inexperienced consumer to quickly close out on a deal with each other. I feel as though it 's unfair and extremely deceptive how they fooled me into signing a loan with a higher interest rate than I anticipated. The dealership took advantage or my race as an XXXX XXXX young adult and my only goal was to co sign for my fathers car loan ( XXXX XXXX XXXX ). The dealership said if we left that same night we 'd lose the deal and we felt pressured to decide on one loan option for an insanely high interest rate. I believe that Wells Fargo could have provided a way lower interest rate which would have made my experience as a consumer much more professional and productive. Now each time I call Wells Fargo which is at least once a month and ask them to investigate they say they 'll escalate and nothing ever happens. I threaten to contact regulators and it almost does n't bother them. I really need you to look into my loan origination because my rights as a consumer were violated and I ca n't do this on my own. My loan account number with Wells Fargo is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Credit card) with Glass Mountain Capital, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My family members have been receiving calls wanting my credit card debt paid. I try to call back the number and no answer. On XX/XX/2016 Glass Mountain Capital LLC sent an envelope to my mothers house asking for the debt to paid on my XXXX card. In this envelope they had numerous papers with all of my family members phone numbers, addresses, and social security numbers. There was also no XXXX bill in the paper work only a XXXX one. Both of these cards have been paid off years ago. 

They have no proof, yet requesting money and harassing my family. Along, with obtaining sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call as well.

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 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter filled out a lease application for a college apartment. 
XXXX XXXX emailed asking us to fill out a XXXX application. We NEVER completed an application or even responded. XXXX XXXX from XXXX XXXX continued to send us emails. In her email, she stated that My daughter signed a contract but needed several forms in order to move forward with the unit placement. We knew that my daughter was unsure whether she would be living at this location, so we did NOT reply. We did not leave a down payment or deposit. We were sent several emails stating that the lease was incomplete and that they did not have an agreement or proof of income.Also stated, was that it needed to be notarized and completed by XXXX/XXXX/15. We were then notified by a collection agency, ( XXXX ) asking us to pay {$8900.00}. They stated that they had an esignature on the guarantor lease agreement. We asked them to provide us with a copy of this document and proof of esignature. They stated that they would send us this within the next XXXX to XXXX business days. NO DOCUMENTS WERE EVER SENT OR RECEIVED. The next thing I know, we see a collection on my credit report! We contacted XXXX, at the XXXX and she advised us to file a dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Customer service / Customer relations

Complaint: i am not able to log into my account online. If i enter a user id it says that it is used, but i can not get access from the system

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Private student loan debt) with U.S. Collections West, Inc. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: to me in XXXX I made a verbal commitment to a XXXX XXXXl, I ended up sighing for it. When that was happening, I was going through a case, that could possibly lead to some jail time.. which it did end up leading to. I went to school for about XXXX week in a half before i had to go through custody. When I got out of jail, I tried to return to the school, the former lady that talked to me and got me to sign up etc., did n't accept me. XXXX years later, I find out they sent me to collections. My credit is perfect right now because I cleaned it, but I just found out I have a adjustment.. That adjustment effects my life on trying to grow with my family because I am a mother of XXXX kids now and I am trying to become a home owner but I ca n't, and I can figure out how and where to solve this.. and I 'm truly seeking for any help you can do for me. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Consumer Loan (Title loan) with LENDMARK FINANCIAL SERVICES (CA).
Issue: Charged fees or interest I didn't expect

Complaint: The company made more than 1 call with contact to myself. They also threatened to report to my credit even though the account was not past due more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: {$4000.00} Cashiers check was deposited at the branch in person. Teller placed a Reg CC hold on check improperly. Per Reg CC and the banks own deposit agreement, the first {$5000.00} of a cashiers check is to be made available the next day.

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 03/25/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX  at  XXXX   XXXX   XXXX   XXXX , TX  XXXX  has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: AES is falsely reporting to the credit agency 's and refuse to correct. his has caused my credit score to stay low and I can not get housing. I am now XXXX due to their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (AZ).
Issue: Shopping for a loan or lease

Complaint: We received a letter from Honda that said they would waive up to 3 remaining lease payments if we lease a new Honda. In XXXX 2016, my daughter and I went to the Honda dealership and worked through finding an AWD CRV to lease, which took time. The dealership was able to get a AWD CRV XX/XX/2016 and we leased the new vehicle. So, we returned the leased vehicle ( Civic ) to the dealership with my letter ( attached ) on the same day we leased the new vehicle. Everything went well with the return except they did not honor the waiver of the last 3 payments, Honda only waived two payments. When I called they said it was because the XXXX 2016 payment was delinquent ; however, this is the time we were working with the dealership to get a new leased vehicle and the letter does not reflect this would be a concern and I would have never let it go 30 days as my payments are due on the XXXX of the month. I believe the letter is deceptive because it does not mention about delinquency despite the fact that I was working with the dealership to get a new leased vehicle and I have always been current on my account and been a loyal and long Honda customer. The Honda Finance representative said she could do nothing to help me. So I had no choice but to pay the last payment and dispute this deceptive and frustrating situation. I also confirmed at the dealership with Honda Finance that my account was not delinquent and received a confirmation letter from Honda Finance ( see attached ), so none of my payments on this account has ever been late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LJ Ross Associates (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Keep Receiving calls from Diversified Consultants, two of the numbers calling from are : XXXX & XXXX. They are asking for XXXX XXXX. My name is XXXX XXXX. There is no XXXX that resides at my address. I 've told them 4+ times over the past month, but they continue to call and call. 

I do n't have any debt owed that is outstanding. XXXX is not a resident of this household. Please have them stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Credit card () with U.S. BANCORP (MN).
Issue: Delinquent account

Complaint: I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My federal tax return was garnished for something and i was not aware or told so that maybe i could work something out if i did owe anything

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It was announced XXXX/XXXX/XXXX that Equifax failed to properly protect my personal and confidential information which they had stored about me, by allowing it to be accessed by perpetrators unknown via the Internet. 

Further, it was announced that they have known about this breach since XXXX/XXXX/XXXX but kept quiet until XXXX/XXXX/XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I entered into an agreement with The XXXX XXXX XXXX XXXX XXXX for a Home Equity Loan in the amount of {$53000.00}. The terms set forth as shown on attached document required me to pay {$610.00} each month starting on XX/XX/XXXX and ending on XX/XX/XXXX. Per the aforementioned terms I made ALL payments. As can be seen from the attached document, payment was made for each month and the last bill due in XX/XX/XXXX was sent and paid as agreed. Ocwen has either been servicing the loan or may have also purchased the loan but they are now telling me that I owe {$4300.00} - an amount that they have not qualified. If I have made all my payments as agreed and comply with all bills/statements sent by them, why would I have this amount owing? Please help me as I need the title for my property. I have sent them several letter and they have not responded, I also called several times but get a different answer as to the reason for the balance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation