milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Bank account or service (Checking account) with BB&T CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I opened an account thru my work place and the agent on site stated that there would be no monthly fee because of who I worked for. After a month or so, after reviewing my statements, I was being charged a monthly fee. Also, I overdrew the account and was charged numerous bank fees which cause the account to go more into the negative and the bank closed out both my accounts.The fees were ridiculous and I made certain that I spke with the on-site representative about charges as such before I opened the account. What the representative told me and what actually happened what XXXX totally different things. I went to local bank to explain and the agent in the bank was very nasty and negative with her responses. She kept making the statement, " You People '' which was very degrading and she did absolutely nothing to assist me with the account. She gave me a phone number and told me to call " once I left their bank and make '' and she was sure that they would make " some kind of Arrangements '' for me to pay what I owed. SHe never acknowledged the fact that the agent that was onsite at my work lied. She never offered to go over the balance with me to explain how my account resulted in such a negative balance, and she spoke to me as if I did not even belong in their bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is in reference to my complaint disputed and submitted via CFPB in XXXX 2015 regarding an account that I have just found out is now sold to Syndicate Office Systems. The disputes complaint number initially was XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and that I should check my credit because accounts may have been opened in prior years to the year that they discovered the ID theft. When I checked there was indeed accounts that I had not opened and this is one of them. I was then advised of what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago to Central Financial control and have resent the information to you again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have recently been informed that there is negative information reported by XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $  XXXX . XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a credit report do to identity theft and they said they could not prove my identity from the address iam currently I moved in XX/XX/XXXX to XXXX XXXX XXXX XXXX va XXXX I used to live at XXXX XXXX XXXX XXXX va XXXX for about a 1y1/2 year in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some accounts on my credit file that Equifax refuse to remove off due to Identity theft. I sent them copies of my police report and ID Theft affidavit and they refuse to remove the items off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I disputed an collection account on Experian report and Experian just updated and didnt even investigate the outcome. I asked for proof of contract and never received it. I uploaded a letter into Experian on XX/XX/XXXX18 asking for verication of debt or contract and all Experian did was update my credit report stating the collection agency verified. The collection has yet to send me any contracts or proof of the debt. 
SECTION 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. I don't believe this account was verified with them. 
I'm enclosing the letter that was sent to Experian. 
XXXX  and XXXX has DELETED this account.

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 06-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I received a letter from Synchrony Ba nk ( lo ses card ) stating there reduced my limit from {$3000.00} to {$2100.00}. The reasons were based in a part on a credit scoring system that was used, and my score was a  XXXX  with  XXXX . I find that to be interested, my payment was due on  XXXX / XXXX /  XXXX  , I was late by two days and made the payment and spoke with their client chat support via online. I explained I was late due to being hospilized with my   XXXX   XXXX    XXXX . I asked the representative to please waive my fee, which he did and i set up recurring payments. I 've been a customer with this bank for over 2 years and made timely payments and never utilized my full credit. I called their customer service number at  XXXX  on  XXXX / XXXX / 17  at  XXXX  ;  XXXX   XXXX . I spoke with an  XXXX  explained i wanted more details and speak with someone she hung the phone up on me, I called back again and got an  XXXX  and the phone was disconnected again. I feel very frustrated that as customer I ca n't get into with the credit division and to be treated this way. If i was not in the process of getting a mortgage i would of close my credit card. The major reduction with no bank credit contact has really caused me to question this bank integrity and client service. I 'm asking for someone to please help me get into touch with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: US BANK TOOK XXXX FROM MY ACTIVE ACCOUNT DUE TO A FRAUDULENT ACCOUNT THAT WAS OPEN WITH OUT MY PERMISSION. XXXX WAS OPEN BY A WOMAN NAMED XXXX XXXX WHO RESIDES IN XXXX ILLINOIS. 
I INFORMED US BANK OF FRAUDULENT ACTIVITY AND I WAS UNDER THE IM- PRESSION THEY SETTLE THIS MATTER. THEIR WAS A CARD ALSO ASSOCIATE WITH THISFRAUDULENT ACCOUNT. WHERE THE OFFENDER XXXX XXXX USED THIS TO GAIN FUNDS. I NEVER GAVE HER OR PROVIDED HER WITH ANY OF MY INFORMATION NOR DID GIVE HER ACCESS TO MY SOCIAL OR ETC.

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 02/19/2018 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I wrote a letter to this company last XX/XX/XXXX requesting debt validation. To date, I have not received any validation document. I have requested debt validation for two accounts, Account 's XXXX and XXXX. Cavalry did reply ( please see attached copies ) last XX/XX/XXXX. On their letter, they are asking me to send documents to verify my claim. " I am the consumer and it is on their shoulders to provide proper debt validation ''. I have given them enough time to send me what the law requires. They still did not comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Your multiple choice selections did not give me a choice that matched my problem, but here is the outline : A company called  SLS ( Specialized Loan Services )  now holds a HELOC I took out in  XXXX . The loan matured in  XXXX   XXXX . I contacted them before this time to see if I could roll the loan over. I was told that that would not be possible because ( blah blah blah bankspeak ). At that time my  XXXX   XXXX  was over  XXXX . We entered into " loan modification. '' The loan became past due. I offered to continue paying on the loan while they did their work, but was told that I could not do so. I sent them all the typical documents for verifying income and obligations.  Time  went on. On more than one occasion, while speaking to an SLS representative, I asked if my being in default would show up on my  credit score an d was assured that IT WOULD NOT. THIS WAS A FALSE STATEMENT, and is the problem I would like to report. In fact, the company did show me as being in default on the loan. My  credit score i s now  XXXX  on  XXXX , which rendered me unable to refinance my first mortgage -- an alternative to modifying the HELOC which is now closed to me.   I had the ability to pay off the HELOC, and had I known what would happen, I would have, but I was given false assurances and so chose to pursue " loan modification. '' Further complaints : I was offered a " trial payment schedule '' -- -twice. The first time, whoever prepared the offer overstated my income by a factor of  XXXX . The second time, they got my income right, but their payment amount would have left me with less than {$200.00} a month free cash. This was bad enough, but the documents they sent with these " modifications '' included NEITHER THE DURATION OF THE LOAN NOR THE INTEREST RATE. When I called about this ( ahem ) oversight, I was told that I COULD NOT KNOW THIS INFORMATION UNTIL I ACCEPTED THE MODIFICATION. Surely that is illegal.   I believe that they lied to me and strung me along deliberately in order to ruin my  credit score a nd, when all other avenues for refinancing were closed to me, foreclose on my house. I think this because I have found other people with similar stories. SLS is a predatory organization and must be prosecuted and then shut down.

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 04/29/2015 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/17 -TransWorld Systems.  The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

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

Complaint: this is part of that huge equifax problem that 's been reported in the news recently. I went to the site and entered my information and was told my information was probably stolen. I do n't want to take advantage of the XXXX offer because of the arbitration clause and that I will start getting charged for the service after a year. I feel this is a shameless money grab. Equifax failed to keep my information private and did nothing to inform me until this week when they knew about the breach over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Original Creditor   XXXX   XXXX  continues to report account on my Transunion report as charged off sold to another vendor. Numerous attempts have been made to Transunion indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Transunion continues to have the incorrect information reporting on 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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have asked the credit bureaus to validate the bankruptcys on My credit report. Their response has been they have validated the items. They responded that they did. I spoke to them on the phone and Asked how they verified the information. Their response was they used a 3 party to validate these claims. They would not say who this third party was. I spoke with the clerk of courts and they do NOT supply the credit bureaus with this information when I disputed the items. Not only that the address supplied by the credit report company is in accurate, thus another reason why these items need to be removed. When these items are validated by a 3rd party we do not know how many other parties are in the string of validation and does not come from the original source. I feel This is violation of the fair reporting act which clearly stated this information needs to be validated directly from the source. By using another credit reporting to validate a debt is NOT verifying a debt!

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 04-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
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: An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.

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 08-01-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation