milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Consumer Loan (Installment loan) with GC Services Limited Partnership (NY).
Issue: Managing the loan or lease

Complaint: I am being harassed by a company called http XXXX/ or GC Services. They have called me repeatedly at my place of work, demanding to know my social security number. They do this in spite of my formally complaining to them. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Medical) with Continental Central Credit, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received the first attached collection notice dated XX/XX/XXXX around XX/XX/XXXX. Attached is the envelope it came in. I immediately called and was very adamant with " XXXX XXXX '' that this debt was in no way mine. I should have read your information about sending a written request for Validation. I did n't. I did know that she had 5 days to get it to me. No contact from collection agency until today, XX/XX/XXXX. I 've attached said Validation letter and envelope. This one is signed by a " XXXX XXXX ''. I have n't contacted them. I checked out this debt with XXXX whom I had cancelled at the end of XX/XX/XXXX. They, of course, had nothing to do with XXXX XXXX. I then contacted my current insurance provider, XXXX of New Mexico. XXXX had sent them this bill for {$310.00}. It was disallowed. The reference # for this is XXXX. I contacted XXXX XXXX. They have no record of this service. I contacted XXXX XXXX. XXXX was connected with them, but has not been working there for at least 3-4 years. I asked where he was and they had no idea.Since XXXX claimed this bill was for service through New Mexico XXXX, I contacted them and was informed I had a XXXX balance. I have attached a copy of said record of my billing since I began with XXXX XXXX in XX/XX/XXXX. By the way, on XX/XX/XXXX, I had a XXXX which was done at the XXXX XXXX. There was no XXXX XXXX ever at the New Mexico XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Account opening, closing, or management

Complaint: Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - XXXX XXXX XXXX ) For all this time as the company " XXXX XXXX XXXX '' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes 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 non-monetary relief
Consumer complaint received 05/16/2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Applied for loan/did not receive money

Complaint: I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.

Company response to consumer: Closed
Consumer complaint received 07-07-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I obtained an auto loan back in 2015. I set payments up to be made every two weeks. My payment is {$370.00}, I set payments of {$200.00} every two weeks to make " extra '' towards my account. I have been reported twice for late pays and have incurred a few late charges. I called to try to correct this and they said that they NEVER apply over payments to principle and they just roll it over to the next month. They have been really rude and unwilling to remove the " late pays '' from my credit. Was told that even if I am one day late they charge the late fees. I think this is completely unprofessional and this, to me, is extremely shady business. I thought I was doing the right thing and getting ahead, but their banking practice is unprofessional. Why would you not apply ANY extra money to principle? They are making it to where I can never get ahead on this loan and they are continuing to make money off of people who are trying to do the right thing. Any " extra '' money should have been applied to principle. Is n't there a " grace '' period? I am completely disgusted with this bank and their banking process. They are out for their profits only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XX/XX/XXXX of the month since XX/XX/XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this company ( Bonneville Collections ) has failed on multiple levels on the validation of this debt. I have the letters stating the amounts owed are between $ XXXX-XXXX in interest alone every time i 've gotten correspondence from them. Original amount is {$240.00} per original creditor yet they claim its $ XXXX-XXXX??? thats THEIR fees and charges. What gives them any lawful right to do this? .. violation of fdcpa 808 ( 1 ) since i NEVER HAD A contract with the original creditor, so how can they legally do this?. i also have credit reports from XXXX and XXXX for the same dispute cycle stating different amounts owed. How is this possible if their supposedly '' verified!? '' remember all account info is supplied by Data Furnishers per FCRA 623 NOT the Bureaus responsibility. Also the account they have been claiming was from the original creditor is wrong! as i have the original creditor own statement and account number is XXXX digits off.How is it then Validated?

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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 have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my 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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diverse Funding Associates LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.

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 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Cascade Collections, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. Please and thank you! I hope you have a great day!

Company response to consumer: Untimely response
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Money order) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with customer service

Complaint: Hello. Today, XX/XX/XXXX, I deposited two USPS money orders at a Chase bank - directly to a teller. The amounts were : {$1000.00} and {$200.00}. Upon depositing these USPS money orders, the teller informed me that only the smaller amount would be made available immediately and that the larger one ( {$1000.00} ) is put on hold until XX/XX/18. 

I was unaware that USPS money orders, under the amount of {$5000.00}, are federally subject to next day availability. Upon discovering this just minutes ago, I called their Customer Service line and informed them of the aforementioned. I was then informed that I should call back tomorrow to see if their Deposit Hold department would help me out and expedite the USPS money orders for me. 

I was counting on these money orders and went through USPS specifically because they are the most trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Grant & Weber (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account has been closed since XXXX XXXX off, XXXX is still charging monthly and adding interest and reporting to the credit bureau as if I still have a XXXX. Balance increase every month on a charged off account. Illegally reporting and increasing balance.

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 03-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation