milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with First Credit Services Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PRA continues debt collection on an old XXXX XXXX account they bought from XXXX Bank. XXXX bought the account from XXXX on XXXX/XXXX/14. According to my records this account is now beyond the statute of limitations in the State of Tennessee of six years. I have emailed and mailed request to PRA to have this debt taken out of collections status since they can no longer sue me over this. They have not responded to any of my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: During the time my daughter was in college, I opened a credit card in my name with my daughter as a card member. After my daughter finished college several years ago ( she is now XXXX years old ) I allowed my daughter to continue to use the card with the understanding that she was responsible for the charges incurred on it. However, she accumulated a debt balance of more than {$10000.00}. At that point, my husband and I decided to pay the card off and cancel the card. I called the credit card company ( AT & T Universal Card ) and requested that they cancel the card. I also decided to write them a letter requesting that they cancel the card. I did not receive any further communication from them. Last year, 2015, I learned that my daughter was still using the card and I was the primary card holder. They were calling me about a late payment and I told them that I had requested that the card be closed years ago. I further told them not to call me anymore regarding the account. They tried to get me to charge fraud charges against my daughter. I told them that in my opinion, I should be filing them against them since they ignored my request to cancel the account after I paid them over {$10000.00}. They are not going to get at my assets by using my daughter who was vulnerable and still is. The currently has a balance totaling XXXX. My daughter is unemployed at the present time, but I did not disclose this to them. I got the information from my daughter today and contacted them about forgiving some of the debt and they gave me the run around on the phone. I have excellent credit and so far that account has not affected my ability to obtain credit. I have no intention of filing fraud charges against my daughter. They committed fraud as well. They need to be held accountable. I do n't know my rights under this circumstance but I am not responsible for the charges to this card.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR!

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mid-Michigan Collection Bureau (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Meridian ARG Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on my mortgage due to my husband illness and unable to work. He finally was approved for XXXX and we were able to make our XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late charge payment. We paid two months a head being that his XXXX check was not going to be relieved until XX/XX/XXXX which would allow me to make XX/XX/XXXX payment on time. I spoke to a representative to make sure they quoted me the correct amount to do so. I also requested an escrow analysis being that my escrow account was not setup correctly. My solar payment was supposed to be added as of XX/XX/2016 for XXXX and was not. The rep advise to save the difference in should be paying every month so that when I receive the escrow analysis it would not be a surprise. I then made my payment for {$7800.00} to cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment via XXXX. I followed up two days after to make sure it was applied correctly but it wasn'the the money was received but not applied. I spoke to representative who got her manager involve to request the payments to be applied. I called back on XX/XX/XXXX and the automatic system show XX/XX/XXXX payment due. I requested to speak to a live rep who was not able to assist me and transfered me to an account manager. I explained to the account manager my call would probably drop and ask if he can call me back if the call dropped. He said he 'll try. The call drop and no one called me back. I called again and asked to speak to a manager and was transferred to another rep namedo XXXX. I explained the entire story again to XXXX. XXXX said payments were applied to XX/XX/XXXX and XX/XX/XXXX and the rest to escrow shortage. I told him that was not how we made the payment and not what we were told would happen. He then told me he was not a supervisor and he supervisor can request to reverse the payment but my monthly payment would increase. I explained to him that I am aware that the payment would increase as now there is a solar payment added to my I 'm pounds and that why I requested the escrow analysis in the 1st place to have my I 'm pounds reflect the additional payment. I requested to speak with his supervisor. He then said he 'd spoke to her and allowed him to transfer the call. He transferred the call but after the 1st ring tone the call went to voice last name XXXX. I am very frustrated with the way my account is being handled and how I was being mislead. I fell behind due to uncontrollable sercumstances and all I want is to fix my account but no one seems to be professional enough to do so

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Rent Recovery Solutions (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Rent Recovery are still reporting on my credit that I owe them a balance and trying to collect on this debt. This debt was discharged in my chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Trans union several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Trans union credit report and to stop this harassment.

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 04/20/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My account #  XXXX  at Bank  of America was c harged a NSF fee on   XXXX     for {$35.00} and I came to know about it via an email later that day, which really should have been sent much sooner than   XXXX   XXXX   that day. Luckily, I retrieved it out of the  SPAM fold er as I have also been receiving quite a bit of fake/fraud emails to click on links for bank accounts. However, the perplexing thing about this is that I when I found about the account balance being less, I called the bank to confirm that if I deposit additional funds today, this fee would not be accessed or go through. I was told that this fee is temporary as long as the funds are deposited the same day before   XXXX   XXXX  , you will NOT be charged this fee. It will not appear the next day.   I did what the bank employee told me and deposited the additional funds to cover the balance, yet I was still charged this fee. So I 'm just baffled as to why I was mis-informed and advised to take an action yet still deal with the consequences. I am not sure what to make of this and feel mis-informed/led when I have my accounts linked and have a Bank credit card as to why I 'm getting charged this fee. The policy is confusing to understand and each banker has their own interpretation about what fees are charged.

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 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not been with XXXX XXXX XXXX for 7 years. I moved XXXX for a long time and they were told to disconnect before I left. When I moved back XXXX, I tried to get it resolved with XXXX and thought it was .... that was about 5 years ago. The collection companies just keep renewing it. It needs to be exponged from my record ... nothing is due, and I have not had service with them for 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Good Morning, I was not sure you handled these types of issues however I thought I would reach out to you and ask. 

I received a letter from Wells Fargo that my checking account was debited for XXXX XXXX dollars on XXXX XXXX 2015 " As a result of a processing error in which my account was credit twice ". I was unable to find the transaction on my account and proceeded to reach out to the bank. 

I called the bank to inquire and have research done to verify the error ; the representative explained the research would take five business days. When I called back five days later I was told the request would take ten days. After ten days with no response I wrote to the bank through my online account via their contact support. A short time later I received a response that explained this type of research takes some time. I admittedly became frustrated and explained this is unacceptable. I then received a voice message from a XXXX XXXX that said he was from executive services and he has assigned the issue to a XXXX XXXX. I immediately called XXXX XXXX and left a voice mail. Then I received a call from a representative named XXXX stating he was calling about my issue. I explained to XXXX he was the XXXX person I was dealing with including the two phone calls and emails and that I was waiting for XXXX XXXX and hung up. 

XXXX XXXX called and wanted until XXXX XXXX to research this and I explained to him the bank has already been working on this simple debit / credit research for XXXX weeks, I advised him I would give him another week, until XXXX XXXX. Otherwise I was reaching out to you as well as The XXXX and the Commissioner of NC Banking regulation. Etc ; I have explained to XXXX XXXX that if the error was my fault I 'll be fine however I need actual debit / credit proof and not just a form letter stating the error was in the banks favor. 

I know it is only XXXX XXXX dollars however I XXXX last year and I 'm receiving a fraction of my pay as XXXX so every dollar has to be stretched farther. 

Thank you for your consideration, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (VA mortgage) with LENDER LIVE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I enrolled in XXXX XXXX XXXX I was promised job security and placement upon XXXX and I was told that whatever federal loans did not cover towards my tuition I would be provided grants to pay for the rest. I found out later that I had a loan from genesis lending. I have no job to repay this loan and on top of that I told them when I signed up that I was an XXXX and they assured me that would not affect my ability to get a job but I have since found out that I can not get these jobs because I have felonies. I never signed or agreed for a genesis loan and the worst part is while I was in school I thought I was paying my federal loan when really it was a loan from genesis which is not a federal loan like I was told but a private loan at a very high interest rate. XXXX college closed and now wyotech will no help me since no longer associated with XXXX colleges. I can no long get my transcripts either.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Medical debt) with Bonneville Billing and Collections (ID).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Approximately two weeks ago, XXXX from Bonneville Collections XXXX XXXX office contacted me regarding medical collections. Without seeing anything in writing, I was hesitant to give her my payment information ( at the time she said it was approximately {$35.00} ). She stated a letter was already mailed to me. That may be, but I did n't have it in front of me or remember receiving it and asked it be sent out again. She refused saying it had already been done. She proceeded to raise her voice and talk over me and I requested again that the information be sent to me in writing and to not contact me by phone again. Today, X/X/2017, XXXX called me again, using my employer 's phone number, again requesting payment. This time for an amount exceeding {$1000.00}. I never received anything in the mail from Bonneville Collections after requesting it and was certainly confused as to how the amount could have changed so much without any new information being provided to me. So not only did she not comply with my request for written notification but she called me again using my employer 's phone number.

Company response to consumer: Closed with explanation