milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Debt collection (Medical) with Rose & Associates, LLC. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was contacted by a Rose & Associates regarding a supposed old debt from a XXXX XXXX XXXX out of XXXX GA. They told me if I did not agree to pay {$300.00} in 10 days, that attorney fees would be garnished from our checking account. I made a {$50.00} payment over the phone. They called from a XXXX number but told me they were out of XXXX The number that called me was XXXX and the lady was XXXX. They also emailed me a confirmation. Something did not sound right so I googled and found many complaints, leading me to the suspicion that they were a scam and now they have my credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I checked my credit report because I was denied credit. I called and contacted the company and asked to receive a written/letter of notification that I owe this debt. The person I talked to would not send out a notification. He stated that they would email a notification if I would set up payment arrangements XXXX. I feel that this is not right. I only know about the debt because I checked my credit report. I have not received any type of letter from this debt collector that I owe a debt. I also feel that he was very pushy in wanting me to set up arrangements and pay off my debt, even though they have not mailed me any correspondence that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-10-2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I 'm complaining about this rush card service after being a customer for years. The last month has been simply amazing. I took my children out for family dinner night..we decided to go to bbq XXXX for dinner. We 're laughing, eating, talking having a great time out the weather is a nice night considering it was XXXX. The waitress came to our table and asked would there be anything else we would like. My kids and. I were quite full. So we asked for you the bill. It was {$120.00} I gave her my rush card a moment later she said it was declined. Could n't be I asked her to please try it again. My kids looking at me. I 'm feeling a little concerned my self now. As she came back to our table again she said I 'm sorry XXXX . It 's declined. Now of all times this restaurant is crowded. What in the world I 'm going to do. I have no money on me my rush card is all I have. Finally I had to leave my kids at the table and go talk to the manager. Feeling embarrassed and nervous I had to tell the manager there seems to be a problem with my rush card. The manager told me he was going to have to call the cops and that we would be going to jail. What I try to explain .tried to call rush no one was available to help me. I was on hold for XXXX HOUR JUST TO HEAR THEY WERE HAVING DIFFICULTIES WITH THE CARDS AND THEY WORKING ON IT. TO AVOID GETTING THE COPS INVOLVED I HAD TO GIVE UP MY CELLPHONE IN ORDER FOR US TO LEAVE and come back to pick it up when I got the money. Feeling embarrassed with everyone looking and talking I got my XXXX kids and. Left. I just could n't believe it. I called rush from Wednesday XXXX XXXX - XXXX all they could say was they apologize for the inconvenience. They working on it. Day in night I 'm calling I REALLY needed my cell phone just imagining who 's calling. I went the whole weekend with no phone. Monday came I was able to withdraw money to get my phone back. There were still problems with my rush card they could n't access my records. Did n't know who I was. Customers service had me on hold for hours just to say they experience technical difficulties. It 's been a nightmare. A nightmare I 'll tell you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Today   XXXX   XXXX . Active hours app stated the bank will not release information. My bank is with bank of the West. All I need is for them to show Active hours I got deposited money. I need this to be resolved

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 08/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a checking account at Citi Bank. On XX/XX/XXXX, early morning at XXXX XXXX I deposited my " PAYCHECK '' via ATM. I received a letter via notification that my PAYCHECK funds will be available in 3-5 business days.But after I deposited my paycheck, the next day Citi Bank seized my entire account. When I called customer service they connected me to fraud department saying due to an " unusual '' activity they are not clearing this check and have held all my savings. They said they are holding my entire account until they resolve this matter Not only did they block my account they also seized my all money that I had before depositing the check. After 4 days on XX/XX/XXXX they release my cash fund and Fraud department told me to visit Bank so Bank can help Me release funds.When I went to Citi Bank Branch located on XXXX XXXX XXXX, XXXX XXXX where I originally deposit my check into ATM. I spoke to Citi Bank Manager and even I explain to her and she went through my account and told me it 's not her department and she told me I have to contact fraud department while I was sitting there I called fraud department and I let her speak to fraud department and after she hung up she said she ca n't help me. I also dial XXXX XXXX manager where my employee issue check from and XXXX XXXX Manager also confirm that the fund has been released from their side. They are not holding any amount but still she refuse to help. I asked her to give me reason why my money is been held and she gave me a letter saying my fund will be release after XX/XX/XXXX. Sir, I have family to support including XXXX little kids, my daughter is XXXX XXXX  old and my son is only XXXX  XXXX. I have not received single letter from Citi Bank saying the reason for holding my Money. I already paid {$100.00} more to pay rent since my rent check has been returned and I had to borrow money to pay rent. I have attached documents so you can evaluate my situation and help me to release my fund early as possible.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a consumer credit card with Capital One. My application was denied due to " pending litigation. '' There is no indication of any litigation on any of my credit reports from XXXX, XXXX, or XXXX. On Capital One 's denial letter, there is no indication of where they obtained their information of " pending litigation. '' I called Capital One about this matter and asked where they got this information. They would not tell me. I believe this to be a blatant disregard of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report.

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 Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I received a letter from US Bank saying I have an overdraft account of {$50.00}. I have not used this account for quite some time however when I tried to login to see why the account became negative as I had not authorized any charges on my account which could have caused this it says I have no active accounts. I have not received any statements showing any charges prior to this letter requesting payment for this unknown amount. I want account to be fixed or closed and zeroed out as I authorized no transactions.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and Nelnet keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please forward this to Experian for me. If you refuse to remove false and outdated information from my report. I am requesting a full report on investigation process. Who was contacted/phone numbers/and all information that was used to make this conclusion. They Must Prove that the information on my report is in fact correct.. Beyond any doubt. If they can not prove this..It must be removed! I want all records of how they went about verifying this information. Then I will proceed with any legal actions I have available to me. I 'll be waiting this full report. I am available for them to contact at any time they wish.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (RI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ally auto has continually sent letters, each time with a different amount that I supposedly never paid for a leased car that I had. I have had XXXX other leases with them, which I assume I would n't have been approved for if I owed them money. Anytime I contact them to ask for whatever records they have for this debt I am told that they do n't have access to them because it was so far back. I really think they are just scam artists.

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 07/15/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from PORTFOLIO RECOVERY ASSOCIATES LLC ( PRA ). On XXXX XXXX, 2015, I sent to PRA via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt PRA has reported to XXXX and XXXX, and possibly to XXXX. My Request to PRA was received on XXXX XXXX, 2015. 
In my Request to PRA, I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would, if provided, prove : 1 ) the debt PRA has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to PRA. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to PRA. 
On XXXX XXXX, 2015, ( 30+ calendar days after XXXX XXXX, 2015 ), in response to PRA 's failure/refusal to respond to my Request, I sent a letter to PRA , via certified mail, return receipt. Therein that letter, I informed PRA that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by PRA, and, as such, PRA is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt PRA claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed PRA that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with PRA. On XXXX XXXX, 2015, I contacted Experian via telephone making a dispute therewith, against PRA. On XXXX XXXX, 2015, I made disputes with Equifax and TransUnion against PRA via their online dispute submission form. To date, PRA has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by PRA has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (I do not know) with Convergys (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SUNTRUST BANKS, INC. (FL).
Issue: Getting a line of credit

Complaint: Due to 10 months of trying to repair erroneous credit reporting and a hack of XXXX and Dodd / Frank our credit destroyed. Consequently this is the result. Instead of having excellent credit we are no Low Life 's. In our opinion by experience false advertising, misinformation, misrepresentation has created this fiasco and you, yes you do nothing. You did nothing about the Reverse XXXX lender who created this mess. You did nothing about the Credit Bureaus. You did little to nothing about the creditors who reported wrong and added to this mess. Yes we got ourselves in deeper BUT if you would have been the agency you profess to be none of this would be on our backs today! The facts are many of these companies not signed up with you why????? I guess above the law?

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 11/28/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: I have set up my account with Honda Financial Services for autopay for several months now. Somehow autopay discontinued the day of an XXXX/XXXX/2016 payment date and I did not get any notifications or letters that payment was pending or that autopay was canceled. I was then charged a {$20.00} late fee and I received no notificarions of non-payment. Then they finally mailed a letter to me dated XXXX/XXXX/2016 that my account is not in good standing. They reported me negatively on my credit score on XXXX/XXXX/2016 - it dropped by XXXX. I was given no real chance to know or resolve the issue. I received the letter they sent on XXXX/XXXX/2016 on XXXX/XXXX/2016 due to the holiday. I did not even know my account was in bad standing until I checked my credit score on XXXX/XXXX/2016. I immediately logged in and paid the full amount due. I called Honda Financial Services on XXXX/XXXX/2016 to ask what happened to my autopay and to let them know I was n't notified of anything. The representative told me that by law they do not have to notify me of anything and are not obligated to let me know. This is ridiculous and very upsetting that I trusted their autopay system and for almost a year had no issues with it and for something to like this to happen, for which I did not do, and for them to not give me any courtesy emails or mail or phone calls until I was knocked XXXX down on my XXXX score. The representative also told me it is not their problem it is mine. I feel very cheated and believe this is a great injustice as it hurts me a lot, for something I did not do wrong and for trusting their system.

Company response to consumer: Closed with non-monetary relief