milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Left XXXX XXXX to go to XXXX XXXX but made sure had XXXX balance before I transferred - knew there would be early termination fees. Contacted XXXX told them I was switching but when I got the ETF payment from XXXX XXXX would pay them to be in good standing. Switched and received bill from XXXX showing ETFS and outstanding amount - called and was told there was outstanding amount, we argued and I said I was told XXXX balance when I switched. Received ETF payment and contacted XXXX - spoke to billing/payment arrangements and told them I had the XXXX plus in ETF fees to pay but that I was not paying what they showed as outstanding because I was told I had XXXX balance. The person I spoke to said well if you can pay x amount you will have a XXXX balance and be in good standing. We set up weekly payments for XXXX weeks ( ca n't recall without looking at my bank statements ) and was told that this would clear any remaining balance and NOTHING WOULD BE REPORTED IN ANY WAY AS NEGATIVE, because I would be in good standing. I agreed to this and made all the payments required and the week of the last payment received a Debt Collection Letter - contacted XXXX and they kept putting me over to the in house debt collection - and this went on and on for a few days and they verified the payments but said they could n't undue what was submitted and it had to be XXXX to pull the account back. I filed a complaint with the FTC because they lied and reported it and now I have this negative on my credit report which I am trying to build up. Just this morning received another call from a company called Chase Receivables and I informed her that this is a XXXX debt and as such should not be on my credit report or for that matter being attempted to collect. XXXX is responsible for their employees actions and she messed up royally and now my credit has been negative impacted and I want it cleared up. This should be reflected as paid in full and removed from my report. I also feel they should give back the ETF fees of XXXX since that is highly criminal to charge that amount to leave a stupid phone company. I would not have paid the ETFs if I knew they would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Transaction issue

Complaint: In Reference to case No. :XXXXMain Issue : Chase Executive Office Agents refuses to discuss the facts of WHY the Chase agents I spoke to approved my reimbursement transactions. In addition, they have not discussed why Chase 's Payment system allowed the transactions to occur. Those are the root causes of the scam as my interactions with Chase 's agents then put me into several difficult situations ; a. All transactions were legitimately reflected on my Online Chase account. In addition, Chase agents confirmed that they were valid. 
b. Since I was reimbursed for the purchase of computers requested by my employer/scammer, I was obligated to send those computers to my employer. Had I not sent the computers, I could have been accused as a criminal / scammer myself as reimbursement / payment to my account was already processed. 
XXXX Chase later reversed those payments, even after their own agents confirmed that they were valid. I think this is Chase 's failure to protect me as their customer, since their agents had originally approved the reimbursement / payment as legitimate transactions. 
I received a few calls from Chase 's Executive Office after the above complaints, all recorded by their system. None of their agents were willing to discuss, avoided to answer, and switched subjects from the main issue : Chase Agents ( at least XXXX agents on several different occasions ) approved of my payments using accounts provided by a scammer ( under the guise of an employer who had hired me ). I clearly stated to them that the accounts were not mine, and were being used to reimburse me for expenses " my employer '' requested me to purchase ( XXXX computers total ). 
Because Chase 's agents validated the legitimacy of the transactions, their approvals put me in an odd situation per our legal system : Because Chase 's agents had verbally confirmed that the payment to my account / reimbursement was processed and reflected in my account, I believed that the money was truly in my account. With proper reimbursement, I could not hold onto the computers I had purchased. I could have been reported as a criminal / thief by " my employer '' as I had already been reimbursed for my purchases. 
Chase exhibited negligence on XXXX counts:1. The Payment / Reimbursement process was properly executed and allowed by Chase System2. Chase Agents approved such transactions knowing that the accounts were not mineChase 's online payment system should have red-flagged the transactions, and their agents / automation system should not approved such transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Bank account or service (Checking account) with KEYCORP (MI).
Issue: Account opening, closing, or management

Complaint: KeyBank failed to supply monthly statements and updates on my account, withdrew $ XXXX inactivity fees from last date of customer activity XXXX ( verified XXXX/XXXX/XXXX by KeyBank ) then claimed date of last activity as XXXX/XXXX/XXXX but refused to state reason nor supply documentation on either, confirmed on XXXX/XXXX/XXXX having all my prior relocation addresses since, failed to supply consumer updates/notices/statements/withholdings/tax information on the account the entire period, notified me ( XXXX ) that the account was being sent to the state, stated the account was sent to the State of XXXX on XXXX/XXXX/XXXX ( the State of XXXX and the State of XXXX verified not having the funds on XXXX/XXXX/XXXX nor XXXX/XXXX/XXXX ) yet did not have any form of tracking number or verification of such, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX confirmed that the account was still held by KeyBank and in process of being sent back to me via my branch, refused to supply statements or verify accrued interest and rate earned the entire period, refused to supply any statements on these matters, contradicted their XXXX/XXXX/XXXX statement and said they do not have the funds but sent them to the State of XXXX unclaimed property going against regulations that account origin location and holding branch dictate by law that the funds go to that states unclaimed property which is the State of XXXX yet either way held the funds and withdrew service fees for years afterward within authority in legal proceedings nor informing the owner of the account of such, stated they would supply confirmation on the last date of activity then refused even though they confirmed it being XXXX XXXX, then claimed the last date of activity was on XXXX/XXXX/XXXX with activity of a monthly service fee applied by KeyBank and no activity by the account holder, surpassed the XXXX year and XXXX year ESCHAET process requirement to either state by several years, changed their statement on sending the funds to the State of XXXX nor back to me through the branch but instead sent the funds to the State of XXXX under a XXXX year mandate for ESCHAET processing and fabricated the XXXX/XXXX/XXXX date of last consumer activity in attempts to abuse the law, held my funds for seven years and several years past regulation under either states law and policy, claim they supplied me with monthly statements showing the $ XXXX fees for the entire seven years and that I did not act upon these continuing losses, refused to give back over {$750.00} in fees they stole and stated they would only reinstate two months worth, refused to supply any account documentation or statements, lied, deceived, mislead, fabricated, withheld, abused, and treated the consumer and regulatory system like a pawn for their own gain, fraud and criminal activity. Dates, names, verifications and such available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX sued me where I did not live on XXXX alleged accounts they say I owe. They sued me in XXXX County Justice of the Peace Precinct XXXX, when I live in XXXX County over XXXX miles away. I gave them my address and contact information, however they continued to pursue the suit in XXXX County. It was n't until I informed them that I would exercise my right under the Fair Collections Act did they finally drop the suite in XXXX XXXX. They knew of my address long before they filed suit in XXXX County and even used a XXXX lawyer that was located less then XXXX miles from my home to process the suit in XXXX County, even though they have many lawyers in XXXX XXXX that handle local lawsuits for them. They were hoping I would not notice the lawsuit and I would n't have noticed if it was n't for a local lawyer soliciting his services to defend me and informed me I was being sued by XXXX XXXX. I have denied this debt to them and even sent them a validation letter once I got word of the suit. They never notified me of the this debt prior to filing these suits as well as filling it in the wrong county XXXX miles from my residence. The following alleged accounts they say I owe include ( Citibank ending XXXX ) and ( XXXX XXXX ending 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 09/29/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was contacted by an unknown number that left a voicemail. Said his name was XXXX XXXX and had documents for me and I had to sign with a witness. I was given a call back number. I called and I do n't believe they identified who they were. The man said something about a Citibank account- Shell card.  Now this is a debt I do owe but their information was not lining up. They claimed they were working with Citibank to collect and that if I did n't comply, they would sue. I contacted Citi and they no longer own my account- it 's been sold to a debt buyer which I 'm unsure who owns it. But they gave false information stating Citi would sue. Mind you, this is an account that 's maybe 400 dollars. When I told him I was not home for the courier, he said they would go to my wife 's work. My wife is not on the account with me so that right there is a red flag. When I XXXX  the number all sorts of things came up and most experiences were similar to mine. I contacted the police and they too think it 's a scam

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 12-06-2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Making/receiving payments, sending money

Complaint: I have a business checking account with Bb & t and I have not been getting my bank statement. And someone wrote a fraudulent check using a starter check without my name or address but it had my account and routing number on the check for {$4.00} and they despoit in a united federal credit union in XX/XX/XXXX. My son has been in and out the hospital and he passed away on XX/XX/XXXX and when I went to pay for his final expense the card declined and I went to bbt and they acknowledged that the check was fraudulent and filed a claim but denied it. I have had this account dunce XX/XX/XXXX and I have never had to a problem. I work hard and have a family and do not have a dime to my name. They did not contact me regarding the check before cashing it.

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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Dear Sir/madam, I have disputed an item that is illegally reported on my credit file with Eperian, But it has been over 30 days since they received a dispute letter. I have n't heard any result of investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017, I contacted PayPal Credit to dispute an unauthorized inquiry on my credit report. On XXXX XXXX 2017 they replied and asked that I provide my birthdate, last four digits of my social security and the date of the inquiry so that they can find the account and request a deletion. On XXXX XXXX  2017, I replied and requested that they delete the inquiry if they did not have enough info to verify the account which proves that I did not apply for their credit services. On XXXX XXXX 2017, they sent me the same letter asking that I provide my social security number and date of birth. I would like this inquiry removed from my account because it was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent several letters to LVNV Funding and sister company Resurgant Capital Service dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXrequesting validation that this is indeed my account. They have not responded to any of my letters sent Certified Mail, which I do have proof that they received it due to signatures. They have not provided me with any kind of validation bearing my handwritten signature or that I have any contract with them. I, therefore, request that this account be closed and removed from all 3 credit reporting agencies. I have given them an ample amount of time to verify this debt and they have not done so. If I do not get any kind of verification about this debt, I will proceed with a small claims action against their company up to {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with RGS Financial, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I do not know who they are but they are calling me on a work issued cell phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.

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 07-01-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX 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 explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: on XXXX/XXXX/2015 XXXX accessed my credit report with permission.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion reports a 30 day late on my credit report that I challenged over 60 days ago. The creditor, XXXX, shows no late payments ever on my account and they do not report to TransUnion. It is for a car loan I had since XX/XX/XXXX and no late payments were ever made. When I brought I to TransUnion telephonically they reported that they would verify it. Today, they 've done nothing. Reported late in XX/XX/XXXX. Will not comply with law.

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