milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex husband owes XXXX plus dollars for my son 's medical bill. First the debtor tried to pin the debt on my son who was XXXX when he had XXXX. 

I got that issue resolved by complaining to the Attorney General. 

Despite me giving my ex husband 's Name, Address, Phone Number, Social Security Number and Divorce Decree stating he owes for medical, the debtor, RSH & Associates is now going after my husband ( my son 's step father ) - even though I have it clearly in writing by the debtor stating : 'It is my understanding that XXXX XXXX is 'not financially responsible for your son 's account. That was my error, I apologize. I have corrected that in our system. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company is re-aging debt that should be listed as XX/XX/2012 as first delinquency. Showing on credit report as a new collection with date reflecting new date.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: My father had XXXX CDS with CIT BANK XXXX XXXX Bank. Home base for CIT BANK/ONE WEST is XXXX XXXX. He died on XXXX XXXX, 2016 in his home state of XXXX. His will was probated in the XXXX Courts, approved by the judge and an estate account was established. My brother & I are joint administrators for the estate. My brother contacted CIT BANK in XXXX 2016 & provided all data necessary to have the certificates redeemed and a check issued to the estate. CIT refused to honor the documentation as it is their policy to not honor the estate that is housed outside of XXXX. They insisted we had to file a new probate in XXXX to have the funds released. CIT BANK DOES NOT HONOR SISTER STATES PROBATE. I contacted the XXXX XXXX XXXX XXXX advised me to contact both you and the XXXX. The Chief Deputy Attorney General must have notified CIT Bank because 2 weeks later, my brother received a call stating they are sending a form that needs to be completed, signed & notarized by the both personal representatives and then the funds would be released. The condition, we had to close the accounts which ironically that is what we wanted to do! The form we received was an official CIT BANK form, affidavit of sister state personal representative. We were allowed to complete, sign, have notarized & SCANNED to the company. No hard copies necessary. We did receive the funds within 10 days however, I am still writing this complaint because my dad had a lot of assets in different institutions from XXXX XXXX to XXXX XXXX None of the other companies put us through this ordeal. It is stressful enough to lose your last parent and trying to settle the estate knowing that you are getting this money because your parents are both deceased .And if we would have to had to open a second estate, estimated costs of {$11000.00}. That would have eaten into the original balance of the funds plus interest..The estate left the funds to my brother, myself and the XXXX grandchildren. My dad served in both XXXX and XXXX. He was an intelligent man and his mind was very coherent to the end. I believe that CIT DID NOT DISCLOSE anywhere in the disclosures that if the owner of a certificate of deposit passes prior to maturity, the bank will not honor estates established outside of its home state which they perceive as XXXX. I feel that clients who want to invest with financial institutions be made aware that this bank will not honor out of state probated estates. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Confusing or missing disclosures

Complaint: On XXXX/XXXX/XXXX at XXXX I called Bank of America and asked the customer representative about the transfer mobile feature. I specifically inquire about canceling a mobile transfer if I wanted to do that do to that and getting my money back from the transfer of funds. She told me I can cancel the transaction and obtain my money if done within 14 days. She also assisted me in helping me complete the mobile transfer. She was very nice. 

The reason why I called the bank was because I was making a transfer for an online transaction that I know it can be scam. Because of the answer I received from the bank 's customer service representative when I called, I decided to proceed with the transaction. I felt comfortable that I would be able to cancel the transaction at anytime within 14 days if it was fraud. 

I called back the bank at XXXX ( shorly after XXXX ) to cancel the transaction and obtain my funds as I was under the impression that this was officially a scam. Now I am told that I can not get my funds and that they are gone. 

Please go back and retrieve the recording. Again, I called the bank and the bank told me something and now it is telling something else. I think the bank should conduct an investigation, listen to the recordings and find out how I was given wrong information that consequently, resulted in me making the transfer. 

Thanks, 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 10-10-2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX DOCTORS BUSINESS BUREAU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX, XXXX, AND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report 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 10-05-2015 about Student loan (Non-federal student loan) with ACCESS GROUP INC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (Store credit card) with GreenSky Trade Credit, LLC (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING.

1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 
2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2.

3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2.

2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s )  specified in the Payment Authorization Schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial paid someones else 's real estate taxes from our escrow account back in XXXX XXXX. I caught the mistake on XXXX XXXX, XXXX. I have spoken with representatives of Ditech on multiple occasions as well as sent a letter outlining what happened and requesting that the monies be returned to our escrow account. Ditech 's error has caused our escrow account to be deficient and our monthly mortgage payment was increased to make up for the deficiency. My last call to Ditech was on XXXX/XXXX/XXXX. I was told to leave a voicemail message for the supervisor XXXX XXXX outlining the reason for the call and was assured that he would call me back. I have still not received a call back nor a credit to my escrow account even after numerous demands. A Ditech technician that I talked to on XXXX XXXX, XXXX advised that per the notes on my account that it has been scheduled for XXXX XXXX to be resolved. That would be 10 months after their error and 6 months after my first demand. We just want the money put back into our escrow account by Ditech, They then can pursue whatever remedies they have against the person that they are trying to collect the money from. We should not have to pay for their error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In the month of XXXX I had made a call to Walmart Customer Service asking for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. I attempted to use my store card in the month of XXXX for a drink purchase. The card was denied use due to a " late payment ''. I again called Walmart Customer Service. I verified with them that I have made a payment of {$38.00} which was the last known amount prior to the missing statements. I again asked for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. On XXXX XXXX, I was made aware of an identity theft incident by XXXX XXXX XXXX. On XX/XX/XXXX I had made a 3rd phone call to Walmart Customer Service asking for my statements to be mailed to me spanning XXXX XXXX to XXXX XXXX so I can identify if any fraudulent activity occured on my account. Again they verified my address and said they would send them. To this date I have not received my statements. I have tried to work with Walmart to obtain my statements, verify that no fraudulent activity and make the payments. Walmart has refused to send me my statements and now has sent late payment reports to the credit bureaus XXXX  and XXXX which is damaging my credit standing when applying for loans/credit lines.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX illegally have reporting XXXX Accounts in credit report since XXXX 2008. 
Never debt validated Reporting since 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX was id theft victim sent police report violates hippa and cra

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In light of discovering a fraudulent charge a year ago, I reviewed my past credit card statement and found numerous fraudulent charge, some of which were committed when someone took my credit card without my knowledge and without my permission. I tried filing the claim over the phone with Bank of America and I was told that they could n't go that far back in their system and I had to submit the claims by mail. I sent the attached letter and spreadsheet and have heard nothing since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Oportun Financial Corporation (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Auto debt) with The Winn Brown Law Firm, LLC (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Car was involved in a wreck on  XXXX / XXXX /2012. Other party at fault. Insurance (   XXXX   XXXX   ) sent adjuster 's appraisal of damage ( {$5200.00} ) with  XXXX    XXXX   of $  XXXX .The adjuster 's comments stated that the vehicle " may have a dditional damage to : RAD SUPPORT. FRAME RAILS, SUSPENSION. The day after the wreck I hired   XXXX   XXXX   ( attorney,    XXXX   XXXX  , MS ). The car was subsequently repossessed and sold for {$1500.00} making the TLF = {$6700.00}.
Collection Attorney : The Winn Brown Law Firm, PLLC   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    XXXX , MS  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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (MD).
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: Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I have a checking and savings account with Chase Manhattan Bank. My brother is my Power of Attorney ( POA. ) I have a durable POA, Chase will not accept this form - they want their own form/individual form to be completed. I will do that - but they require it to be completed by us together, at a Chase branch. 

My brother and I live in different states. Chase said the only way it can be done is if we go to the branch together. If he lived in XXXX, is he supposed to travel here to go to a Chase branch with me? 

This is a ludicrous. Every other bank I do business with either has a form I can print at home and have notarized, or will send the form to me. I can have my signature notarized, mail the form to my brother, and he can get his signature notarized. We do not have to go to a branch together. 

I contacted the bank twice, and got the same useless response from them. 

I have gone to my local branch several times to get something notarized. They did not have a notary. IF my brother comes here and we go to the branch together, if they do n't have a notary, they ca n't process the form. There has got to be another way to get this completed.

Company response to consumer: Closed with explanation