milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX collected {$2500.00} from me on XX/XX/XXXX for a settlement on a credit card debit. On XX/XX/XXXX ARA another collection agency attempted to collect on the same debit for twice the money. I informed them that this account was paid and they insisted that it was n't and were going to take me to court to get there money. I have a letter and my XX/XX/XXXX Bank statement indicating XXXX received the money. ARA claims the account is still open and is still owed money.I cant get hold of anyone from XXXX, and assume they are out of business or it was a scam all along.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: We wrote a check on XX/XX/XXXX to XXXX for {$57.00}. It was stolen either from the post or XXXX. The check was then forged for {$5800.00}. Citibank cleared the check. We noticed the error during regular accounts checks and reported the crime on XX/XX/XXXX to Citibank. The check was clearly a forgery as all our checks are purchased from Citibank and have Holograms, this one did not have a Hologram. Also the check was written out in English and XXXX which we have never done. We were informed the process could take up to 90 days but they would credit us the funds and then investigate. This was never done. We visited Citibank and called them on a number of occasions and we were always told that the funds were not replaced as they were still investigating. But we should not worry as they were sure to replace them. We received a letter Citibank saying they will not replace the funds as the signatures matched. We lodged a dispute with Citibank against this decision.

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 09/26/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (NE).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company ( Portfolio Recovery Associates , LLC ) is constantly contacting me about my debt I have with them. I 've already spoken with them about the debt and told them I would handle it as soon as I get time. And this was several months ago! I 've also had the same iusses with this particular company in the past. Even after I spoken with them, they keep calling me, sometimes ( XXXX to XXXX ) times a day a week! Also not only have they been calling me from their business here in my own ( state ), but also been having their other companies they have in ( other states ) do so as well! I 've even had to change my phone number because of them. Their promoting unfair pratices, I do n't know if it 's because of the ( money ) or something else. But it 's become a serious issue not only for me but also for my mom, who they are now doing the same thing to. I 've ask them to stop and they wo n't. I 've told them once that I would do this, but i did n't thinking they would change and represent their self as better. The debt I have with them ai n't even over ( {$1000.00} ) I think. And I do n't how much my mom 's is, but I know it ai n't that much for them to be contacting us the way they do! And this is why im filing this complaint with you today, Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: opened a Citigold checking account on XX/XX/2016. I opened the account because of the sign up bonus offer I received in the mail. The offer was I would receive XXXX XXXX miles after making 2 bill pays and spend {$1000.00} using my debit card. I called to sign up for the offer and also received confirmation that I have met both requirements. As I have n't seen the miles posted to my account, I sent an email to secured message center and was told I was n't qualified for this offer! How is that possible? I had been told verbally and in writing that the offer is attached to my account. I incurred monthly service fee of {$30.00} and now I 'm told that I do n't get the sign up bonus? How can Citi not honor the promotion that I was told that I qualified for? I have documentation through a secure message where I was told that I had met all qualifications for the offer and would receive the points.

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 08-10-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continual harassment on my cell phone daily

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA 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 explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I received an e-mail yesterday at XXXX from Consumer Financial Protection Bureau asking me to dispute a response from Nationstar Mortgage. The problem with the e-mailmessage was that there is no response from the company to be disputed. Who ever sent it asked me to click on a link and that link took me to my own complaint case # XXXX. Instead of reading Nationstar Mortgage response I was reading my owncomplaint about Nationstar Mortgage. I do not understand the e-mail message. Could someone explain to me better or let me have the company response instead of reading my own complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I reported to bank of america that I have a lot of charges from XXXX that sent from me because I have n't taken XXXX since XX/XX/XXXX and I sparingly take XXXX unless I 've been drinking and i rarely do that. I lost my phone XX/XX/XXXX and did n't have one until XX/XX/XXXX so I was forced to use my XXXX. The claims department on XXXX XXXX told me to reach out to the merchant and handle the issue first. I proceeded to have 300+ emails back an forth for 2 weeks. XXXX even telling me on XX/XX/XXXX that I would be refunded and XX/XX/XXXX still nothing and received a follow up email telling me to dispute the charges through my bank. So on XXXXXX/XX/XXXX finally filed the claim. On XX/XX/XXXX my claim is denied and told if I wanted to reopen my claim i would need to submit supporting documents. I asked why was n't I asked this before you closed my claim. They specifically state if they needed any information they would ask. So on XX/XX/XXXX they denied my claim and on XX/XX/XXXX I submitted 11 pages of documents supporting my claim. They officially reopened my claim on XX/XX/XXXX. Meanwhile I am sleeping in my car waiting for them to provide provisional credit because I 'm broke and have no money. They put in a hardship review XX/XX/XXXX. I repeatedly called they told me they did n't have to provide provisional credit because the claim was denied. I questioned why Was my claim denied without first requesting evidence like I was told they would. XX/XX/XXXX they denied my claim again. They stated I logged in to my online banking from a mobile device which was my XXXX but did n't give me any more info. I reported these charges promptly and was told to contact merchant. There were 15-20 XXXX charges A day. There were over a 1000 dollars in a 10 day span of XXXX charges. They did n't even bother to file my XXXX claim. They completely just disregard my claims when I have provided supporting evidence of not only receipt of stolen device but also my attempts to reach out to merchant 300+ times.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last XX/XX/XXXX, I filed a complaint against the credit bureaus to delete the Bank of America accounts opened in XX/XX/XXXX. I am a victim of mixed files and Bank of America sent me correspondence dated XX/XX/XXXX. In the correspondence, BOA is saying that they did an investigation and concluded that, " YOUR CREDIT FILE MAY BE COMBINED WITH SOMEONE WHO HAS A SIMILAR NAME. PLEASE CONTACT THE CONSUMER REPORTING AGENCIES LISTED BELOW TO HAVE THIS CORRECTED ''. So I did. I sent them a letter dated XX/XX/XXXX, and even filed a complaint against them with the CFPB and uploaded a copy of the letter from BOA which I am attaching to this complaint. Obviously, XXXX didn't care to investigate. They refused to delete this account that belongs to someone else. As a furnisher, it is your responsibility to correct this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has incorrect payment history on my credit report with ALL my past loans that was consolidated. ALL OF THE NEGATIVE information is in my credit report but where there should be positive payment history it is listen as unknown on my credit report. For example XX/XX/XXXX has an unknown payment history instead of positive. Also starting XX/XX/XXXX the late payments start at being behind 90 days instead of 30. I have mailed Nelnet disputes and they replied saying that they do n't have to investigate my dispute. What they 're doing is illegal, FCRA law states that if the report contains all the negative info then it has to contain all the positive info. I 've also disputed with the credit bureaus and it still has n't came back correctly updated. It 's to the point now where I think they do n't have the files anymore. I have asked for proof and requested for an actual paper copy of proof to be mailed to me. The have computer errors that are not being coorected by a human, so I need the CFPB to get involved and actually look at the accounts on my credit report to see how badly the payment history is. I 'm requesting that ALL payment history that Nelnet has on the report to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.

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 03-02-2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (DE).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A debt collection company named Nationwide Debt Management Solutions is contacting me regarding a debt with XXXX. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (ME).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with Concord Servicing Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that BLACKWELL RECOVERY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

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 11-02-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with Transunion. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted Transunion concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however Transunion refused to comply with the FCRA compliance. This action has affected me in a negative way

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 08/26/2016 about Payday loan () with DLC, LLC (CA).
Issue: Received a loan I didn't apply for

Complaint: I applied for an installment loan for XXXX with monthly payments of XXXX for 12 months. I had no idea this was payday lender or loan.The lender looks like a bank and the employee told me that this was a monthly installment loan due in 30 days. She had me to bring my bank statements and most recent paycheck stubs, they also ran a credit report. Exactly 8 days later she phoned and demanded payment of XXXX every pay day which equals XXXX per month. I did not apply for this type of loan. I was mislead! This is an impossible situation. I would have NEVER applied for a loan with these terms -I borrowed XXXX and would be paying back XXXX in 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. 
the second company is XXXX. i payed them up to when i had them disconnect my service.

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 07-06-2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them.

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