milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On X/XX/2017 i contacted XXXX to cancel my services and transfer my services to XXXX. I was taking my mobile number to the new carrier at which time i was informed all balances to be paid in order to transfer and keep my same telephone number at which time i paid a total of {$210.00} that was drafted on X/XX/2017 I was told by mobile rep that was it and my account showed {$0.00} balance. This point my service was cancelled and my phone line was taken over to my new carrier.  On XXXX XXXX 2017 i was contacted by an agent from Amsher collection agency which claimed i owe XXXX from XXXX the man on the other end said if not paid in full TODAY i would be further penalized. I immediately hung up the phone and dialed XXXX. I waited on the phone for nearly 30 minutes i spoke with XXXX XXXX ( EMP # XXXX ) who initially informed me she could not help and i would have to call collection agency i further pressed and was able to get her to look into the matter. XXXX finally concluded that i did pay the charges stated on the account and that this was a mistake and it would be taken care of within 48hrs time XXXX gave me a verification number of XXXX. X/XX/2017 i  receive a call from a woman at amsher collections stating i owe a balance and how i would like to pay i asked numerous times what the balance was for before finally being hung up on by the woman. X/XX/17 i call XXXX and speak with XXXX XXXX ( EMP # XXXX ) He informs me that the account is locked and nothing can be done about it and i will have to call the collection agency i keep pressing him as well until i am told he can file paperwork to look into the amount and it will take 2 weeks. i also found out from a XXXX XXXX store there was an account adjustment on X/XX/17 of XXXX and an outside collection fee of {$27.00} which makes no sense as my account was cancelled X/XX/2017. I fear i will not be helped by anyone and my credit is in jeopardy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I submitted a dispute via mail to a credit reporting agency regarding a debt that was recently deleted due to time of statutes, being placed back on my report by the original creditor. I verified that the First Reported Date and Date of Status were incorrect and being falsely reported, to include missing payment history that would verify the history of the debt. The debt was an auto loan that was charged-off in XXXX after it was repossessed in XXXX ; there was a past due balance that I was unable to completely payoff due to financial hardships, in which the account was sent to a collection agency, who attempted to collect the debt. The collection agency attempted to collect the debt after the debt had been removed from my report, and indicated in its correspondence on XXXX XXXX, XXXX, " Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency ''. That was the last correspondence received, in which I never replied. When I checked my report in XXXX, I realized the original creditor ( not the collection agency ), placed the debt back on my report. I recently received what is supposed to be the results of my dispute, in which the credit reporting agency indicated changes related to the account are on the report, and can be identified by it being flagged as updated. My report was not changed, there was no flag to indicate the debt reported was updated, and they left everything exactly the way it was. In my dispute letter I requested verification of their investigation if the creditor attempted to indicate the debt was accurate, because I wanted to see what proof of what they supplied to indicate the false dates they were reporting. I also did not receive this from the credit agency. I am seeking for my report to display accurate information in accordance with the fair credit act and statutes of limitation on credit reporting and debt collection. 

Kindest Regards, 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 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Mortgage (FHA mortgage) with FIRST MORTGAGE COMPANY (NM).
Issue: Application, originator, mortgage broker

Complaint: We were trying to apply for a mortgage. Since my credit is locked they refused to use only my wifes credit and because we do n't have any recurring credit were not approved. This part was fine. 

The problem is that we are staying with our kids at their house, and we told them to use our mailing address and to NOT send anything to our kids address. They ignored their own application that shows a mailing address on it. We told them we do n't use our kids address for anything, and they used it during my wifes credit check, and then also against our request they also sent their credit documents to our kids address ignoring our request to ONLY use our mailing address. Now we will start to get things mailed to our kids address against our will and promise to them to never use their address for anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.

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 04-02-2015 about Debt collection (Credit card) with URS Holding, LLC (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX sent a letter stating that the account had been referred for collection. There was no information sent to validate the debt, rather letter states that I have to dispute debt before they would provide validation. It immediately threatens a judgment instead of listing the process to verify the debt and move forward. 

I sent letter requesting that the debt be verified, that they were indeed engaged to collect the debt, etc. The only information that was sent to me were statements of the account. This provided absolutely no documentation that the firm was indeed authorized and engaged by the creditor to collect the debt. 

Additionally, during this time, their representative XXXX XXXX was literally " XXXX '' my phone every day multiple times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (WI).
Issue: Managing the loan or lease

Complaint: We went through Home Depot 's project loan, representative XXXX XXXX, to have our roof replaced this summer. They hired contractors ( XXXX XXXX XXXX ) that not only caused {$15000.00} dollars worth of siding damage while taking 2 extra days to complete the job, they were also drinking alcohol while doing our roof. We received an offer from that contractors insurance company for {$7500.00} half of what it will cost to have it replaced. Home Depot called us this morning and said these exact words " We stand behind the contractors insurance '' which means Home Depot is not going to do ANYTHING to fix or make this situation right. We still owe and need to pay the {$14000.00} for the replacement of the roof AND now come up with the {$7700.00} to fix the siding. We 've been in touch with XXXX XXXX and XXXX XXXX from Home Depot in regards to the price of the roof and nothing there has been handled or changed price wise. Not only has this been stressful but has been a financial hardship for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Customer service / Customer relations

Complaint: I have XXXX credit cards with Capital One, XXXX card with XXXX limits, and XXXX card with XXXX limit. On XX/XX/XXXX, I attempted to use card # XXXX for an {$8.00} purchase and it was declined. I called Capital One to check my balance. I was told by customer service rep named XXXX that the annual {$59.00} charged to my account. This resulted in {$500.00} over the limit. I requested that Capital One wave these annual fees on all my credit cards because ; 1. There is NO added benefit to any of these cards. 2. I have had a Capital One credit card holder customer since XX/XX/XXXX. And 3. I have XXXX cards with them and they are charging me {$59.00} on each card. 
The XXXX XXXX told me he could not wave the {$59.00} fee because I was over my limit. This was because of the annual fee charge. I do not agree that they should have the right to charge the fee and put you card over its limit, then tell the customer that they can not wave it because you are over your limit. 
Next, I have ask Capital One on another occasion to combine these XXXX cards and their response was that because I had an outstanding balance, they could not do so until they were paid off. I have since realized that these are not written policy but they simply refused because they are gouging me with annual fees and interest. They indicated that the card I have are not eligible for line increases and that to have the annual fee waive you must have a credit limit of {$3000.00} or more. I have applied for line increase, and always declined, poor level of service, never offered any up- grades, even though I have been with capital one since XX/XX/XXXX, my accounts are always paid on time ; even when I have called to dispute a charge or service, I have received push back from Capital One not want to handle the dispute. This is the joke! And equates to predatory lending. I do not think my purchases show go declined while they debit my account for an annual fee and refused to waive it because my account is over the limit due their charges. They also refuse to transfer you to a manager when ask or escalate these issues when ask. 
At this time I am requesting that they combine all XXXX cards to XXXX and refund my annual fees. They do not have the right to levy annual fees for no particular reason.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I was informed that I had a bank account opened in my name in XXXX, California since XXXX. I could'nt get any information from Wells Fargo outside of confirming that I 've been having this account and they allowed me to open another account. Checking and Savings in XXXX in XXXX. I called Wells Fargo to get information regarding to my other account to no avail. I was told it is a substantial amount. I just want information regarding the funds that mysteriously came up missing and was never returned from a Mortgage company.

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 02/23/2018 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (OH).
Issue: Can't stop withdrawals from your bank account

Complaint: I took a loan out for XXXX over a year ago, with this company online. I made the payments and then they started taking out every week. The amount paid was XXXX per week. I contacted the company and spoke with a representative and advised it needed to stop, I set up fraud with my bank to have them stop. I got a new debit card. Last week I had a hit of over XXXX via ACH to my checking account, which is insane. I have attempted to contact the company but no one will follow up. I can't afford this kind of withdrawal, especially when I reached out to the company and had advised them to stop taking this out. Currently I have opened up another case with my bank. I had made several payments of over XXXX which should have paid in full and then they still take money out. I thought that was stopped and then they do this 6 months later.

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 08/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I filed a form to change my direct withdrawal information from my old bank to my new bank. AES, the company that holds my Stafford loan, did not switch my withdrawals correctly, so a payment was missed during this changeover. Both bank accounts were active, and they knew the information for both bank accounts, so it 's not like the funds were not available. They just did not switch them in a timely manner. Ever since this change over, they have been charging me a late fee as if I am paying last month 's loan payment this month. So, even though in reality only one payment was late ( and not my fault ), until I caught this mistake, they charged late fees as if I was paying late every month. Since I was using continuous direct withdrawal, this should never have happened. I called and complained and they are refusing to refund the {$45.00} in late fees that I was charged over the last year and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had settlement with prevouse debt collection to pay portion of amount and my account will be closed. I do n't remember the exact amount, approximately it was {$230.00} out of {$500.00} approximately. This happened around 7 years. But they keep transferring my account to other debt collectors.   I contacted the phone company and said I do not own anything. It 's affecting my  credit score  for price I paid. I need it to be removed from my credit report.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I became behind on my XXXX XXXX XXXX when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NH).
Issue: Money was not available when promised

Complaint: On or about XXXX XXXX 2017 I initiated an ACH transfer into the account of Coinbase, Inc. located at the XXXX  XXXX XXXX of NY, and I did so on the accord of  their site : " Bank Account deposits made to XXXX are sent via the ACH bank transfer system, which typically takes 3-5 business days* to complete after initiating a purchase. You may see the funds immediately debited from your bank account when you initiate the transfer, but they will not appear in your XXXX account until the transfer has moved between the banks and cleared in our bank account. '' The amount is negligible to some, {$300.00}, however, it 's still {$300.00} that I transferred from my credit union which provided me with a credit trace number showing Coinbase received the funds. I 've attempted on numerous occasions to reach Coinbase support, both through email and through their XXXX handle as recommended through their own website. I have not been able to reach their support staff in over 3 weeks. At this point I just want my funds returned. Their community site is littered with many posts similar to my own and my trust in this company ... well, I have none. They are robbing people with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted Equifax, XXXX, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted Equifax, XXXX, XXXX & All Creditors onXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Off Lease Only XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Credit decision / Underwriting

Complaint: In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.

Company response to consumer: Closed with explanation