milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( JH Portfolio Debt ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with 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 monetary relief
Consumer complaint received 11-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: MIDLAND FUNDING LLC HAS BEEN ASKED TO STOP CALLING ME BUT EVEN AFTER cease and desist letter they still do. I asked them for a validation Letter and they never responded. Also I have asked them to take their 3rd party collection off of my credit profile. Under the FDCPA, you have the right to " debt validation and They are not giving to me so I would like this taken off my credit. and my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The company had me paying {$29.00} a month to pay towards my student loan. 
The company claimed they were consolidating my student loans and established a {$29.00} a month payment. I was notified by my credit protection services that I had an outstanding federal student loan since 2015. My student loan are {$1200.00} behind. This company representatives have been misleading me also contacting the student loan agency on my behalf for forbearances. I have proof they have been withdrawing these fees from my bank account without authorization and I plan to do a dispute. This occurred after I graduated from the XXXX. 
Desired Settlement I would like all of my money refunded from this fraudulent company.

Company response to consumer: Untimely response
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have gone back and forth with both XXXX and Equifax credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This bill is for rent on an apartment I lived in until XX/XX/XXXX. I paid the rent through XX/XX/XXXX. I am being billed for rent for the entire month of XX/XX/XXXX even though I had turned in a 30 day notice and did not live in the apartment during the month of XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (IA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: the company at the time said that I need to sing a agreement saying that after one year I have to agree to let them take monthly payments out of my check. I don t make enough money to do this my credit report said that this lone as been closed by the department of education and got sold 3 times but later I fond out that I have a XXXX XXXX and XXXX XXXX and XXXX by XXXX XXXX  the XXXX was deferred. thx XXXX XXXX call or email me any time

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Overlimit fee

Complaint: Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. 

I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. 
This is a record of what has happened since XX/XX/XXXX ( the last time I purchased anything with this card ) : XX/XX/XXXXMinimum due {$73.00}, Paid $ XXXXXXXX XXXXXXXXterest- $ XXXXOverlimit fee- $ 39Sept XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest Charged $ XXXXOverlimit fee $ 39XXXX XXXXOverlimit fee {$39.00} ( The previous overlimit fee put me over my limit!!! ) XX/XX/XXXXMinimum Payment due {$73.00}, Paid $ XXXXXXXX XXXXInterest $ XXXXOverlimit Fee {$39.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Client retained our firm and a QWR and 5-day letter has been sent to the lender, no response has been provided - The client has the write to counsel and we reserve the right to review the clients history of the loan to validly assist the client in obtaining assistance with there mortgage - the lender has not postponed sale to allow this to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2018 I called AmSher Collection Services this morning at XXXX  to pay a debt that I don't agree with however I'm in the middle of closing on my house & need it off my report immediately. I asked the agent XXXX XXXX to agree to sending a letter on letterhead showing the debt was paid in full & will be removed from my credit report, he advised me they have no such letters in their office. I asked for his supervisor, he said I need to call back after XXXX to speak with her. I asked for her name he advised it is XXXX XXXX. I am willing to pay this debt off in full today w/ an agreement that I receive the letter I requested so I can give it to my loan officer for closing purposes. This debt shouldn't ever been on my report per the agreement w/ XXXX XXXX w/ XXXX Corporate   office ( see attached documents ) The XXXX  debt they are collecting has been turned into the XXXX & the FCC.

Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Closing/Cancelling account

Complaint: Credit Card was never activated YET I 'm receiving mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in XXXX. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

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 10/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Making/receiving payments, sending money

Complaint: My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute a situation with  XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and Experian. It is past the seven years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  XXXX   XXXX  account on the credit bureau reports. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to  XXXX . I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with 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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.

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 Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: They were some fraud on my accounts last year but since I been unemployed. I havent been able to to call or find out more about it ... Bank of America was more likely have lost some money ... I just want to fix my financial situation to be able to have checking account. Thank you

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 01/14/2016 about Debt collection (Credit card) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They called my place of business and asked for a supervisor after I requested they DO NOT call me at work. They have my cell phone number, there was no reason to call me at work again after I demanded they do n't. This WAS HUMILIATING and damaging to my job role.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: We refinanced our home with Bank of America. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it " would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with Altisource Portfolio Solutions, S.à r.l. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Other bank product/service) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years. 

Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with. 

I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.

Company response to consumer: Closed with explanation