milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: I received a 0 % interest promotion with Best Buy for 18 months. It was explained to me that after 18 months, if the balance was not paid off I would start paying interest. It sounded like any normal credit card to me. It was NOT made clear that the interest would be charged on the entire original purchase at the end of 18 months. As such, I had gotten my balance from almost $ XXXX down to {$170.00} by the end of the XXXX month, and as it was XXXX time, I decided to pay the remaining balance off next month, as I had other purchases to make for the holidays ( in other stores ). I did not think it would be a big deal to wait to pay the last amount next month. Next thing I know I get hit with an interest charge just over {$400.00} on my Best Buy Card. They had sent out a notice before the final payment stating they were going to charge me interest, but did n't state how much or explain that it was interest on the entire original purchase. I had only made that XXXX purchase on the best buy card. I had not been delinquent in my payments in any way. What is the worst part is that I could have paid off the remaining {$170.00} at the time, but I was unaware of the severity of the impending interest charge, and chose to make other things a priority. Had I known I would not be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Medical debt) with Credit Consulting Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.

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 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: IC systems along with XXXX XXXX XXXX are threatening a court action on a debt that is from 2001. It is from a XXXX account that IC Systems have just recently put on my credit report as a new debt. They have started to call several times daily from different parts of the country and with threatening phone calls to take me to court. I believe through research that this is a scam on old debts that have been deleted. I want this off of my credit report along with them being told to stop harassing me. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diverse Funding Associates LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this company, XXXX in XX/XX/XXXX and XX/XX/XXXX and was informed on XX/XX/XXXX that the debt in question was bought by another company, Multi Source International on XX/XX/XXXX. So I sent a request to validate to the Multi Source International on XX/XX/XXXX and XXXX stated in a letter that they also forwarded the request. But to date, the company has not replied to my attempt to validate this debt that they claim belongs to me. But XXXX continues to report this in accurate debt on my credit file.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian will not freeze my credit report. I have now tried calling them ( busy signal ) - and the website refuses to place a hold. I am ready to pay.

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 10-07-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Entered a judgement against on a debt in which the statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: I went to XXXX on a mini-vacation. While there, I attended XXXX and one night, I lost, or someone stole, my debit card and made purchases totaling {$2600.00} at various Walmarts and gas stations, the following morning. It took me a few days to realize the card was missing as I was using my XXXX XXXX. When I did, I filed XXXX claims with Bank of America, they are : # XXXX & # XXXX. XXXX is for a {$400.00} ATM withdrawal and the other is for {$2200.00} in bogus charges ( such as XXXX {$970.00} and XXXX {$290.00} charge at XXXX ). Bank of America has handled my claims extremely poorly. They at first refunded me the money and later on with no contact whatsoever they took it all back ( not once warning me that this was possible ), leaving me with $ -XXXX in my account. I have since been charged over XXXX in fees because of this. Since then, I have been trying to prove that I in NO way authorized these charges and that my debit card and cell phone had been taken and used without my consent. They have been extremely unhelpful and I question their integrity. I have been at BOA since 2013 and have been pretty consistent with my banking and ( almost always ) on time with my payments. If you try to fully understand the details of the situation and what occurred, as well as what I was thinking, and the circumstances surrounding the situation ( the timeline ), the non- legitimacy of the charges become apparent. The fact that as of now, I have lost all of my savings and owe {$500.00} ( plus my BOA credit card bill ), while having to pay my {$1000.00} on my XXXX bill, is very unfair. Talking about the specific charges, I went ahead and filed police reports. These are with the XXXX PD. For lost property, this includes the debit card and phone : XXXX and for CC Fraud : XXXX, this includes all fraudulent charges ( including {$400.00} ATM withdrawal ). Bank of America has twice denied my claim ... with no communication on their end as to why. They have not contacted the police and have done very little research on the charges or the facts. This is almost all of my money and it is extremely stressful and unfair. Please help put pressure on Bank of America. This is theft.

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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My name : XXXX XXXX I have credit card with American Express ( AE ). card # XXXX My dispute with AE was charged to my card for {$12000.00} without my authorization by XXXX XXXX XXXX. <P/>I was use XXXX for different job, it was paid with AE card. I use them for other job for repair the roof, this time the job was not complete, and repaired was not according what we specify, after repaired the roof still leaking, we call them many time to fix the job correctly, XXXX never come back to do the job.. XXXX using my pervious card information to charge my account, I did not know until I received my statement. <P/>My reasons for dispute 1. Charge to my card without my knowledge should consider as stolen. 2. I am not satisfied with job ; I should get my money back. This American Express card has advertising all the time. I do not understand why AE need to investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have a number of inquries on my credit report that i did not authorize at all, i have not been in need of a car, nor credit card nor anything else for that matter im not sure how these things keep poppong up but it is really bad, i have never had XXXX and it shows on my credit report i really need help

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: so last year I had open an account with wells fargo my account was getting hacked I had to open up claims the claims were denied and all my money was gone, I went into the branch to let them know what was going on and come to find out they said that they can no longer due business with me there nothing i can do, I had got a email from XXXX let me know that my social security was out there and that I needed I need to let everybody know I let wells fargo know what happen they still closed my account and said they ca n't do business with me I was so hurt because i really loved wells fargo and i came from wachovia and i never had any problems with wachovia and for wells fargo to just dismiss me after i was hacked says they are not gon na protect me and they do n't protect there customers. after I saw that wells fargo was being sued due to people hacking into people account I let them know that i was hacked and then i was let go they basically said i still ca n't do business with them and theres nothing further they can do and basically i owe them money. wells fargo owes me my money and my name back and I want that they were doing shady business when people back was turn own up to what has been done so i can clear my name I mean its rough when banks do n't believe that its you wen accounts are getting hacked

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 10/23/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received an original medical bill of {$570.00} from XXXX XXXX ER. AMCOL collections then acquired that debt, but issued a collection to me for {$570.00}. I had already paid the {$570.00}. I have documentation to prove this. I spoke with them on the phone about this and they confirmed that I did pay and that I am right. AMCOL is still reporting this debt on my credit reports, even though it is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Nationwide Intermediary Services llc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EOS Holdings, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
<P/>
Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
<P/>
Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
<P/>
The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
<P/>
The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
<P/>
Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
<P/>
This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Trouble during payment process

Complaint: I closed on my mortgage in XXXX 2016. It was a new building construction. At the time the closing they only escrowed my taxes based on the property value without the building. So my taxes were around {$63.00} based on the land only. They came back to me in XX/XX/XXXX and are now collecting back taxes. My monthly payment has now gone up by {$600.00} which I can no longer afford. The relator and title company never explained this to me. The condo building is only at 10 % capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: IN XXXX 2017 I FILED A DISPUTE WITH THE 3 CREDIT REPORTING AGENCIES REGARDING AN ERROR ON A XXXX XXXX XXXX PAYMENT STATUS. I RECEIVED A NOTIFICATION YESTERDAY FROM XXXX THAT AS A RESULT OF MY DISPUTE THE ENTIRE ACCOUNT HAS BEEN REMOVED FROM MY CREDIT FILE. THE ACCOUNT IS OPEN, IN GOOD STANDING AND HAS A BALANCE OF OVER $ 30K. I DONT KNOW HOW MY DISPUTING A LATE PAYMENT STATUS WOULD RESULT IN THIS ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. EACH TIME I TRY TO DISPUTE THIS ITEM, IT HAS IMPACTED MY CREDIT SCORE NEGATIVELY. THE PREVIOUS DISPUTE DROPPED MY CREDIT SCORE BY 48 POINTS, AS THE ONLY CHANGES AT THAT TIME WERE THAT I PAID ANOTHER ACCT IN FULL AND MY CREDIT LIMIT WAS RAISED BY ANOTHER CREDITOR.

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 02-11-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Resurgent capital service sent me a letter for purpose of collectibg debts with wrong fraud information of someone else, whose name is similar with my full name. I did not borrow any money from the company they said, and I found this in my credit report today. I have to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Wakefield and Associates has a previously written off Ambulance and Emergency room bill dating back to XX/XX/XXXX. When I no longer had medical insurance coverage. I was deemed XXXX shortly afterwards and received MEDICAID and XXXX.

Several companies are trying to collect on the two outstanding amounts. Even though both have been written off and my credit suffers because of this.

XX/XX/XXXX I was again contacted. Corrected again my address of five past years, not the address Wakefield had. But I have no reason to be anything but helpful. I spent over 30 minutes agreeing to 20 % of the total she was requesting. Break it down into 3 payments. Send me the invoice. Fax it. I even shared, I am having XXXX tomorrow ( true story )! And I dont want to leave things to my family to worry about. Several days after XXXX. I was contacted. Just like we never spoke. Old address still being referenced. I maybe poor at this juncture in my life. But I am not XXXX. I am recovering from XXXX. Looking at XXXX and XXXX. My problem. Yes. Wakefield and associates. No. I cant believe how people can get away with this game.

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 01-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name in XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Savings account) with PNC Bank N.A. (DE).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2017, my mother died.She had a saving account with PNC bank, in XXXX, Delaware, in her name only.Instead of setting up an estate account.PNC bank gave my sister a cahiers check and closed the account, even though the Register 's Oder list XXXX co-adminstrators, PNC allow one co-administrator to handle the transaction on the estate of my mother.I need copy of the cashier 's check.My sister made severval unauthorized transactions on my mother 's saving account after her death at XXXX in XXXX, Delaware.PNC should follow Federal and State banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been working with Equifax for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Equifax? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. Equifax also for some reason reports the account I have with XXXX XXXX as currently XXXX59 days, this is impossible since the account has a XXXX balance! XXXX isnt reporting this as past due so why is Equifax??? They keep telling me this has been verified with the company but it couldnt have if XXXX is reporting something completely different right???

Company response to consumer: Closed with explanation