milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (DC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: See my previous complaint Case XXXX I received XXXX letters from Synchrony Bank both stating that the complaint was resolved and " And at this time, we consider the dispute closed. The dates of these letters, attached are XXXX XXXX, and XXXX, 2016 ( See enclosures XXXX & XXXX ). 
On XXXX XXXX, 2016 Synchrony Bank wrote me again re-instating the claim. See enclosure XXXX. 
In fact, although Synchrony Bank states they believe that the matter is valid because, '' ... that your card was present at the time of the transaction. '' Nevertheless, my card and my wife 's card have never left our possession, nor are the signatures on the transactions either that of myself or my wife. Both of our cards have chips, and had the transaction been properly completed with a chip reader they would have been denied. 
I believe that under Federal law that I am not responsible for these charges as the Bank can not confirm that the signature is that of myself or my wife. 
The fraud prevention at Synchrony Bank persists in finding reasons to invalidate my claim of fraud. Previously, for which they have appologized, they sent a letter claiming that I called them to agree that the XXXX transactions were valid. I never did so.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the information for EQUITABLE ACCEPTANCE COR is incorrect. There is no balance due and the account has been paid in full. This was an agency helping me with my student loan. The service was canceled and no further payments were due.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX company contacted me on be half of Pendrick Partner in regards to XXXX medical debts from XXXX i sent off request for VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. I respectfully requested that there offices provide me with competent evidence that I have any legal obligation to pay and proof this debt was indeed rightfully min. Soon after on XX/XX/XXXX i received notice from XXXX / CURRENT CREDITOR, PENDRICK CAPITAL PARTNERS ; saying that they have investigated my dispute and at the time does not have sufficient information to fully respond so they discontinued collection effort on these XXXX accounts : conformation number XXXX TODAY IS XX/XX/XXXX THESE ACCOUNT ARE STILL ON MY CREDIT REPORTS AS COLLECTION NEGATIVELY REFLECTING. 
BUT PENDRICK CAPITAL PARTNERS HAS SOLD TO ANOTHER COMPANY THESE EXACT SAME DEBT NOW SOLD TO XXXX I HAVE REACHED OUT TO XXXX AND PCP REQUESTING THAT THEY PROVIDE OR DELETE THEY WERE ASKED TO KINDLY WHICH HAS NOT BEEN PROVIDED ITS BEEN 90 DAYS SINCE IVE ASKED VALIDATION made pursuant to 15 USC XX/XX/XXXXg Sec. 809 ( b ) of the FDCPA. 
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 
THE COMPANY IS CLEARLY RESELLING DEBT THAT HAS BEEN CLOSED TO OTHER COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone is beginning to use my identity. They have requested a credit card under my name from XXXX which was denied. Was hacked into XXXX of my credit cards with XXXX XXXX. So far no problems. I suspect who is doing it, but none of the XXXX agencies are doing anything to help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX I applied for an American Express Delta Airlines Skymiles credit card from a promotion that was mailed to me. The promotion was XXXX. I still have the mailer that was sent to me which expired on XX/XX/XXXX. The terms of the promotion were that by spending {$2000.00} on the card, XXXX miles would be applied to your Skymiles account. Spend another {$1000.00} ( {$3000.00} total ) within the first 3 months of card membership and receive an additional XXXX miles ( total XXXX miles ). <P/>I contacted customer service and requested an investigation. The Case # is XXXX. after several weeks of not receiving a response I called Customer service today XX/XX/XXXX at around XXXX EDT and the agent informed me that I did not meet the spending threshold. When I protested, she said she " misspoke '' and then informed me that I had actually applied to a different promotion that awarded XXXX bonus miles. How I could have applied for a different promotion is unclear since I applied through the number that was in the mailer with my skymiles card number. <P/>I believe I was misled by American Express and have cancelled my card.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX used fraudulent dealers to open an account in XXXX XXXX, 2009. XXXX is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Other

Complaint: I paid a TD Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with TD Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2017 about Bank account or service (Other bank product/service) with POPULAR BANK (IN).
Issue: Making/receiving payments, sending money

Complaint: To my surprise, on XXXX XXXX, XXXX, I received a credit score alert stating that my account with Popular Community Bank was delinquent and that my payment was 90 days late. I have never made a late payment on my account with Popular Community Bank, actually, I usually pay off the balance on my account at the end of each billing statement. I have endorsed checks as proof that my payment was received by Popular Community Bank and processed by them on time. As a matter of fact, I sent 2 separate checks during the month of XXXX for my XXXX payment- the above account is in reference to this payment. I sent the first check in the amount {$3200.00} to pay the balance in full and the second check was a {$10.00} payment to avoid any additional fees. Although my first check was received on time, Popular Community Bank did not post it until weeks later and this mistake has drastically affected my credit score. I have spent more than 5 hours on the phone with Popular Community Bank trying to correct their mistake. I have been given the run around, and then told I need to speak with a bank supervisor, who is conveniently not available at the moment. I also emailed 2 different representatives during the months of XXXX and XXXX, and after speaking with them- with a copy of an endorsed check, nothing was done until XXXX XXXX, when in my XXXX Credit stated that the payment was received, but this check was endorsed by Popular Community Bank on XXXX XXXX, XXXX, ( please see attachment from bank ). This mistake has not been reversed with the credit bureau and is presently affecting my score, which I have always striven to keep impeccable. Every time I have called customer service I am spoken to in XXXX ; although, I have continually asked to be addressed in XXXX, the bank representatives still speak to me as if I am an ignorant immigrant. I believe if they address me in this matter, they are also taking advantage of other XXXX customers that may not have the same understanding/education as I have. I am fluent in XXXX and XXXX and I 'm perfectly able to understand the difference between customer service and plain disregard for important information. It is now, XXXX XXXX, and despite many phone calls and emails, this is still inaccurate on my credit report which has greatly affected my credit score. I have copies of all the emails, statements, checks, and reports. I have filed a complaint with XXXX because Popular Community Bank has failed to help me. Popular Community Bank needs to correct my credit score with XXXX, XXXX and XXXX I have attempted many times and spent countless, unnecessary hours trying to correct Popular Community Bank 's mistake- and yet they have failed to reverse it and restore my original credit score.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 several accounts with the  XXXX  credit reporting bureaus  XXXX , Equifax and  XXXX  the credit accounts opened well over 7 years ago and most have a  XXXX  balance. Also it 's been two years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I made a special trip to XXXX XXXX XXXX because there was an issue with my money being direct deposited from my retirement account namely XXXX and a check was issued. I immediately deposited the check into Bank Of America through the ATM because there was at least a two hour wait to see a bank teller and absolutely no air or air conditioner in there XXXX XXXX Branch located in the XXXX. The check was a city issued check and was not an out of state check. To my surprise, the check is not going to clear until XX/XX/XXXX however they released half of the funds. I am being told that the check is out of state by a XXXX XXXX who is a supervisor for the Bank of America customer service located in Georgia. He reiterated that there is nothing that can be done about releasing the funds and no one can release the funds. I am caring for my XXXX year old mother and XXXX sister and that this is just not going to suffice. It is unethical and I believe illegal for them to hold my money hostage and I would like to file a complaint.

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 03/21/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AL).
Issue: Loan servicing, payments, escrow account

Complaint: First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NRA Group, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, 2017 I sent a registered letter to XXXX XXXX XXXX about a credit report they filed on my name that I owe XXXX {$110.00} which is totally untrue. I explained to them that other then my cell phones with XXXX XXXX of which I am current with I dont and didnt have any business with XXXX for a many years and did n't get any notices from them of any balance. 
I didnt get any response from them and they did not remove this claim from my credit file

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 11/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best 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 05/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been told that my student loan is past due XXXX for which I ca n't afford to pay back. In my most recent conversation the person I spoke to XXXX at XXXX this morning was very rude. I have done what Fedloans has asked me to do 8 times within the last XXXX months and nothing has happened in regard to the past due notices of XXXX. Today I was told that it has gotten to this amount from the amount of XXXX. I just want for them to do what they say and make the payment XXXX dollars until i can pay it back or not have to pay it at all for all the pain i have gone though for them to do what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i sent a letter to lvnv funding on XXXX-17 and didnt receive documentation of accounts. the a fdcpa violation

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Lease) with U.S. BANCORP (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I paid off my lease from US Bank. They failed to release my title with in 48 business hours per the Texas rules. Additionally US Bank confirmed receipt of the check on the XX/XX/XXXX but on the XXXX when I followed up stated they had not processed the check. I believe payments or payoffs are required to be applied the date of receipt. US bank required I pay them the Taxes that were due to Texas and then they were supposed to send me back a check made out to Texas for the Taxes. Instead US Bank send me a check in the incorrect amount made out to Dept Of Revenue SD ( South Dakota ). 

I had another car deal pending getting this car 's title in my name. This forced me to pay the taxes due to Texas out of my own pocket. US Bank is now refusing to refund me the funds I have paid to title the car in my name. Which I have now paid twice. I am holding an outage on my personal account of XXXX. While that might not be a lot of money to some, it is significant for me. 

US Bank told me I had to pay to have the check overnight mailed to them. This would cost me more money for their error. I asked they provide a label at their expense. They said they would and stated they emailed. I was later told they did not email it which is why it was never received. They stated they sent the label via XXXX and gave me a tracking number. The tracking number is for the label I would send back to them. They refused to give me the tracking number of the XXXX envelope which is to contain the XXXX label so I can send them back a copy of the check to South Dakota. Since everything else they have told me was not accurate I am failing to believe they have even sent me the XXXX envelop. My other question is why do I have to send them the bad check, I don't trust that when they do receive it that they will send me the funds they owe me. 

I attempted to escalate the situation but twice the call was disconnected when I tried to speak to a supervisor. On the third attempt I was able to speak to a supervisor who refused to work with me to get the check sent to me. I was told I had to send them their incorrect check and wait for it to be processed and trust they would then process a check and send it to me. So I am stuck holding the outage on the XXXX at least a week all due to their mistake. The supervisor refused to transfer me to her supervisor or any other supervisor that could help and that she had to disconnect the call because she couldn't help me. 

This has been a horrible experience of lies, mistakes and misinformation which has resulted in my loss of money and me holding the outage. US Bank has taken no responsibility or action to remedy their mistake.

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 01-09-2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I went into TD Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?

Company response to consumer: Closed with non-monetary relief