milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2015 about Credit card () with Vion Holdco I LLC (CA).
Issue: Billing statement

Complaint: I was making payments on time to XXXX XXXX Account for about 2 years with no issues. Earlier in this year around XXXX XXXX, 2015 I noticed a late payment fee on my statement and when i looked into it more carefully my bank had deposited the money on time with out delay. XXXX posted the payment 20 days later. I contacted XXXX informing them of the issue at hand and they credited XXXX. Sometime in the beginning of XXXX i received a phone call from XXXX explaining that im late on my payments. I explained them that my bank automatically sends out payment to XXXX, and after checking with my bank and my online statements all bills were paid on time. By the end of XXXX i received a phone call from there collection department saying that i have not paid XXXX and that XXXX was due. When i reviewed the statement for XXXX it was showing a late charge for XXXX when the bill was not even due. On XXXX XXXX 2015 i spoke to a collection representative for XXXX and explained to them that something is wrong with there system because they are constantly posting there payments late, but when i look into my bank account the payments are always going out on time on every XXXX of the Month. The Rep credited the late charges and told me my total amount that was due. My balance after the conversation was suppose to be {$190.00} and the rep also mentioned after i pay {$27.00}. The total balance will become {$160.00}. I went over the information with the rep a few times just to confirm that there will be no more mistakes. I made the payment right after our conversation on XXXX XXXX, 2015 for {$27.00} as per the conversation with XXXX 's Rep. XXXX XXXX XXXX, 2015 i received another phone call from the collection department stating that i am still late on my payments and that i need to pay {$17.00} for the late payment. I asked the Rep to look at the fax to show that my bank has always been on time with no delay, i attempted to retrieve a Fax number so that i can fax the information over the rep said that they do not have a fax number and that i would have to submit a letter with back up and proofs of the statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CFPB Complaint  XXXX  was recently closed after the collection agency agreed to delete the  XXXX  items but only deleted  XXXX  of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every Day Portfolio recovery services calls to collect a debt for a Mastercard that is not mine. Every day they ask if the last XXXX of my social security is XXXX or something like that. Every day I say no it is not. They say we will call back tomorrow or are rude after that. Then hang up. Every single day. It is not my debt. I will never be the XXXX XXXX they are looking for. It is harassment to call me every day and I am tired of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never gone by the name 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 non-monetary relief
Consumer complaint received 02/25/2016 about Debt collection (Payday loan) with Heavner, Beyers & Mihlar LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX 2016 at XXXX there was a call place to Heavner, Beyers & Mihlar, LLC in regards to my account according to the caller they spoke with an employee by the name of XXXX, she proceeded to disclose information in regards to my account such as the beginning balance to how much is left the amount paid in and the last payment received without verifying the identity of the caller, when ask their company procedure when verifying the consumer befor releasing information she stated the caller said their name and according to the FDCPA she has violated the third party disclosure act. I am currently employed as a debt collector and know that puts not only the debt collector as well and the employers in financial risks.. so if at all possible can u direct me to whom or where I can go to seek monetary fines in relation to this violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Closing/Cancelling account

Complaint: After 5 long arduous years, I finally managed to pay off my Discover card. Or so I thought. I contacted Discover to ask for the exact final amount, which I paid right then and there. I then asked to closed my account. I was transferred to " Account Retention '' where I spoke with another agent about closing my account. After listening to a litany of reasons why I should stay with Discover and keep my account open, I declined everything and asked ( once again ) to close my account. I was then told that I could n't do that ; that the account could n't be closed, only " inactivated. '' After several minutes of argument about that, and being told it was pretty much the only thing I could do, I had to accept this status. Little did I know that Discover 's version of " inactivated '' was very different from mine. 
Fast forward a couple of months, and now I am receiving notices from Discover that I have pending charges for late fees and interest. You can imagine my surprise. While the charges are still small-ish, the principal of it all has angered me enough to contemplate legal action, which I do n't want to do. 
I contacted Discover again, and expressed that I was not going to pay the charges due to their inherent lack of customer service, and their not following my initial request to close my account. I asked that they remove the charges, and stop contacting me going forward, otherwise I would take it as harassment. 
I would like to know what type of recourse I have in this situation. I do n't want this affecting my credit score, and while the amount is small, I do n't want it suddenly exploding into something more significant due to them compounding costs. They really are crooks in my opinion, leaving me ( the customer! ) with little choice but to continue to pay them for something I did n't want in the first place! What can I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am tired of trying to find out the actual pay on my mortage wi -th bsi .I have been paying the escrow shortage for 1 year. 
however bsi has not informed me as to when I will be finished with paying the escrow shortage.what I do n't understand is why they are so lax in informing me as to when I would be done paying for the shortage. according to XXXX it was for 1 year yet I have not received anything from bsi as to a recalculation of my mortgage payment. I would like to know why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 've submitted disputes with the  XXXX  national credit reporting agencies (  XXXX ,  Equifax  and   XXXX    ) concerning (  XXXX  )  XXXX   XXXX   XXXX  and to no avail. Each time a dispute is submitted with the  XXXX  bureau  ( s ), I 'm notified by my own ( not the credit bureau ( s ) credit monitoring alerts, a general " Meet FCRA   requirements '' note without details to the reasoning of their conclusion with the investigations.  XXXX  has made attempts to request that this item be deleted as well, please see the attached document dated   XXXX   XXXX   , 2017.  The credit bureaus are making it extremely difficult by refusing to delete and not giving me a valid reason as to why. This has hurt my credit report and credit score tremendously by making appear more at risk to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Commercial Recovery Systems (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CRS ASSOC, repeated calls daily about " failed Bankingtransaction '', threats of legal action daily, nothing is owed to anybody

Company response to consumer: Untimely response
Consumer complaint received 08/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: After being unemployed for the past 2 years, I need to get my credit to good standing. I called Santander to remove their credit entry from my credit report. The rep told me that they ca n't. The balance on the account is {$0.00} and there is nothing I can do to bring the account current. There is no reason for this entry to be on my report. I feel that this is harrassment and an abuse of company power. Since there is nothing more I can do with this account, it should be deleted from my report. 
What would you like the business to do to settle your complaint? 
Delete the negative entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX, Bank of America reported my account delinquent to the credit reporting agencies. I settled my account with BofA that year and paid my account per the settlement. According to FCRA, BofA and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with BofA and I am continually told that they are reporting correctly. When I called BofA on XX/XX/XXXX a BofA rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX  contacts BofA, BofA tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from BofA and XXXX. This is also happening with XXXX 's XXXX ( credit card now through XXXX Bank was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

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 12/16/2017 about Debt collection (Other debt) with Source Receivables Management LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: SOURCE RECEIVABLES MANAGEMENTcontinues to call me after they have failed to validate the Debt. Harrased me the first. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act XX/XX/XXXX. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them. These debt collectors have have been put at notice, I have recorded calls any call after XX/XX/XXXX will be charged as fallows XXXX per call and XXXX per min. I have more than 3 calls after that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.

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 02-02-2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.

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 11/27/2015 about Debt collection (Credit card) with Progressive Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a settlement offer to pay off my debt for my XXXX XXXX credit card account from Progressive Financial Services. I received this offer on XX/XX/XXXX. I sent the settlement offer amount on XX/XX/XXXX ; documentation to support. Over the last year I have received several notifications that I still owe on this account, and several collections agencies have sent me letters ; documentation to support XXXX agencies still trying to collect this debt. I found out today, XX/XX/XXXX, that this debt is still active against my credit report and is effecting my credit score. I want this debt erased, and I want my credit score adjusted to when I actually made the settlement payment back XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: They have been contacting my family including mother and adult children

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with BARCLAYS BANK DELAWARE (RI).
Issue: Other

Complaint: Barclays will not remove old information 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 07-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: There is to much to list. Wells fargo. has totally used deceptive business practices. This has been going on for years. Wells fargo will hang up on me or change the subject and wont answer why they have charged me over {$20000.00} in just the last few years with fraudulent inefficient funds charges when the money was posted to my account and they have I have spent fortune with wells fargo and they have told me they would file disputes and never receive calls back from them. Wells fargo. I have gone into several branches after branch to be told they didn ; t know what to do because it was so overwhelming and I 'm told they saw I have a major law suits and didnt want to help me. Now I have all these new fraudulent charges on on XXXX of my accounts and wells fargo has totally cheated me out of thousands more and many of them they didnt even file as fraud or they hung up on me several times. I am not going to let this go and will go to media and I had aXX/XX/XXXXwith wells fargo playing with the kind of money Ive trusted them with. I want Justice and for someone to call me. I was told not to close my accounts because of all the money that has been taken from me and not returned from fraud. I am trying to handle this the right way but Ive been so XXXX XXXX and this has caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You wont belive this and wells fargo can pull all this up with my account. I will sent all my ACCOUNT INFORMATION BUT WELLS FARGO HAS PULLED MUCH OFF LINE AND CHANGED ALL THEIR WEBSITE SO PEOPLE WONT REALIZE THEY ARE BEING STOLEN FROM.

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 11-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX has repeatedly sent me a collections bill for a XXXX account that I have no knowledge of. On the bill itself the identified person is XXXX XXXX XXXX .. That is not my name. I tried to dispute this with them by sending tax documents and even a copy of my social that shows that my correct name. I 've called several times and made several attempts to resolve this matter and delete this collection account on my report since it 's not only hurting my credit but it 's FALSE information. Thank you.

Company response to consumer: Closed with non-monetary relief