milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about  XXXX  I ended closed my account  XXXX . At this time there was a balance due of under  (  {$500.00}. ) which I was told I would be billed for. I paid this bill on our about  XXXX   XXXX . Several month later the account was sent to  XXXX  collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in   XXXX  . I am prepared to file a harassment law suit for violation of FDCPA against  XXXX  and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in   XXXX   and I no longer have my documentation but ERC should because it was sent directly to them.   The  XXXX  other collection agencies ceased all efforts after having been supplied the information and it appears that  XXXX  just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Bank account or service (Cashing a check without an account) with ZIONS BANCORPORATION (CA).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX XXXX Policy # XXXX Retired Employees of XXXX XXXX CountyXX/XX/XXXX Teeth cleaning with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX issued check to XXXX XXXX {$90.00} for service. XXXX XXXX does not receive check. 
XX/XX/XXXX I obtained copy of cashed check from XXXX and forwarded it to XXXX XXXX. The check had been cashed by California Bank and Trust, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX filed an affidavit with XXXX for non receipt of check. 
XX/XX/XXXX After checking with their security department, the California Bank and Trust manager instructed me to have XXXX XXXX file another affidavit with their bank. He filed the XXXX affidavit. 
XX/XX/XXXX I met with XXXX XXXX XXXX, Manager XXXX ( XXXX ) to follow up on the status of the affidavit. She determined that XXXX had failed to notify us that no action was being taken on the affidavit because XXXX XXXX was not a customer of XXXX. She found the cashed check electronically and their customer who had cashed it. She would not release the name of the customer to me. Since XXXX had accepted the check without verification, she agreed that the transaction was either an error or fraudulent. I requested that XXXX write a check for {$90.00} to XXXX XXXX and debit their customer 's account. She refused. 
XX/XX/XXXX I have had many conversations with XXXX XXXX, XXXX XXXX XXXX, XXXX ext XXXX. As of this date, action on XXXX XXXX 's affidavit is apparently still pending. She was unable to provide a case number from XXXX XXXX bank who issued the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

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 08/20/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I have a credit card from the retailer Gap on my account. I did not apply for a credit card and have not used a credit card for them. Somehow they are showing up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you. 

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: SPECIAL REQUEST TO CFPB : CFPB FILINGS OF XXXX, US BANK IN XXXX XXXX, I WOULD LIKE TO LINK IN TO THE FOLLOWING PLEASE : XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. XXXX ID NUMBER XXXX. XXXX XXXX XXXX, MANAGER OF US BANK, ( XXXX CFPB Filings ) XXXX XXXX SHOULD BE NOTIFIED OF THIS XXXX FILE IN THIS INCORPORATION REQUEST. POSSIBLE PARTICIPATION OF XXXX COMMON ASSISTANT MANAGER EMPLOYEE, ( ACTIONS SIMILAR TO FILING XXXX, XXXX/XXXX/XXXX, a previous bank where US Bank Assistant Manager once believed to have worked ). 
Participating In A " BANDWAGON, '' BRINGING MILLIONS IN DAMAGES TO AN ESTATE AND OTHER BRINGDOWN EFFORTS WHILE ABUSING BANK AND BANK PRODUCTS. FACILITATION OF DETRIMENT AND DAMAGES, TO CAUSE FURTHER PREDICAMENT OF FUNDS BEING LOW THROUGH XXXX US BANK REASONS FOR CFPB FILING ACTIONS.

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
Consumer complaint received 11/24/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: SYNCHRONY Bank/Amazon I place an order with XXXX in XXXX, I returned the defective item XXXX XXXX, Amazon received the item on XXXX XXXX but never issued a refund to my credit card. I called the card company today wanting to dispute the charge the bank told me they wo n't do the dispute and to call Amazon. Today I have been on phone with the bank and they said call amazon. I was on with Amazon they said call Synchrony bank. This happened about XXXX times today. I did close my account with this bank behind this issue. I paid the all the bill except {$53.00} the amount of the credit I am due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with American Coradius International LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ACI - American Coradius International LLC contacted me with a request for full payment for an amount due on my XXXX account. I closed the XXXX account and have made regular payments to XXXX. The account is not behind and is in paid each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice

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 Ditech Financial LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX and XXXX 2015, Green Tree Loan Servicing ( now XXXX ) took fees from my bank account without my authorization. My practice with Green Tree is to call and set up an electronic funds transfer payment from my checking account at the end of the month. The fee for doing this is {$12.00}, which the customer service representative told me in XXXX and XXXX would be waived. I authorized Green Tree to withdraw only the payment amount from my account. I did not authorize the taking of the fees. To compound the issue, at least XXXX customer service representatives from Green Tree have told me that they would see to it that the money taken in XXXX -- without authorization -- would be refunded into my account. This has not happened even though the representatives have taken my bank account information. Is it legal for them to take my account information and to do nothing with it? I know that wrangling over XXXX {$12.00} fees may seem silly, but to me the lying and the taking of unauthorized money are practices that should be stopped. Plus, because of health issues, I have not worked -- except for a bit of freelance work -- full time for nearly fourteen months. Green Tree is aware of my financial situation ; I explain it every month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Credit card () with SUNTRUST BANKS, INC. (NC).
Issue: Billing disputes

Complaint: Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Using a debit or ATM card

Complaint: Consumer filled out the opt-out form for overdraft protection with Wells Fargo Bank of all debit card transactions ; however, Wells Fargo has cleared a debit payment that should have been declined. I am in the process of moving, every thing is hectic, and I forgot to change the due date for this auto pay. Under normal circumstances, this transaction would have been declined and not cleared. This has caused an overdraft fee and overdraft of my account which would have a balance if this illegal transaction had not gone through. Wells Fargo refuses to reverse the transaction, stating that Wells Fargo has the option of paying the transaction even though I have filled out an opt-out form. What is the use of this form when Wells Fargo will not honor it.

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Flagstar bank since XX/XX/XXXX it is very high interest@11.375 % I have tried at least 5 times over the years to refinance for better rate only to be rejected or completely ignored, I have got nothing but the old Run around, we will call you back or put on hold for no one to ever pick back up. I have been working with XXXX as it turns out he is getting the same treatment. I have talked with XXXX for the elderly several times she has been great, shes answered and returned calls. I am NOT in foreclosure but during the new year holidays a company named XXXX did an illegal lock out!!! I have been trying to sell the house because Flagstar is impossible to work with, they have put insurance on my mortgage loan even thou Iv had insurance without laps.My insurance and taxes have allways been included with my payment thru escrow, when I listed my house XX/XX/XXXX my realtor discovered that XX/XX/XXXX taxes were not paid to XXXX co. I have been XXXX, Bullied and Abused by Flagstar Bank for 16 years, I cant take no more! I Pray for Help!!!

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 09-01-2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX from CBE group stating that I owe {$130.00} for an account that was original under the XXXX XXXX XXXX. I do not owe this debt, my financial obligation has been satisfied with the University. I am not responsible for this debt nor do I owe it. I received an email from the XXXX XXXX XXXX on XX/XX/XXXX thanking me for meeting my financial obligation with the University and also stating that I can  order transcripts and my degree is on its way.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Closing/Cancelling account

Complaint: So I have a litigation going on with my brother and our family company so I paid my credit card off and my brother did stop payment on company check so payments returned Barclays card never contacted me or reached out to me about the returned payment only way I found out is because I called them when my credit card did n't go threw for a purchase they told me my account was closed due to returned payment which by the way is first problem I 've had since I got card i offered to pay out of my checking account instead they said no acct closed I said y would it be closed if I 'm offering to pay returned payment plus more they said they did n't care and they were gon na do a charge off had card almost 5 years and this is how they treat customers wow over one returned payment with extenuating circumstances I thought that they were there to help especially with this type of situation

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States XXXX XXXX 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 02-09-2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: i had no knowledge of this account. Payday loan was deleted from XXXX bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity

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 08/18/2015 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was hit by a car in XXXX of 2013 and taken way via XXXX. There was a pending ambulance bill that my insurance provider ( XXXX ) was supposed to handle that was not known until months after the incident. I was able to get XXXX on the phone with Fidelity Creditor Service and I thought the pending amount of {$2000.00} was taken care of. What I did n't know was that there was an additional {$570.00} leftover. After two years now, I realize that there is a pending bill to Fidelity of {$900.00}. I was never informed about the balance due. There was no effort on their behalf to contact me. I lived at the address they had on file for a year after the incident and I never received another letter, phone call, or email from them. 

I spoke with XXXX XXXX at Fidelity prior to speaking with XXXX and was never told that the {$900.00} was including the interest on the {$500.00} bill. After back and forth with XXXX and XXXX XXXX XXXX ( where the money was due ) I finally figured out what was due. I told XXXX I was more than happy to pay the original {$500.00}, but he refused. After another XXXX minutes on the phone he spoke with his supervisor who said they would drop the fee to {$800.00}. I reminded him that I was never contacted about this pending bill that has gained interest over 2.5 years. I told him thank you for the offer, but I wanted to speak with his supervisor. 

This is when XXXX XXXX got on the phone. I reexplained to him that I never received a bill for {$580.00} and to charge me interest on a bill over 2.5 years old was preposterous. I asked for his title assuming that there was a supervisor over him. He told me that I was being rude when I asked his title and that he did n't need to give me a reduction. 

I have never been delinquent on a bill ( happy to provide a credit report ). The fact of the matter is that Fidelity let this bill gain interest over years and years until it was noticed by chance leaving me to suffer the consequence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Customer service / Customer relations

Complaint: I applied for a TD Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by TD Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution.

Company response to consumer: Closed with non-monetary relief