milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with CNG HOLDINGS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Closing/Cancelling account

Complaint: I received a statement from Paypal Credit saying I owe {$840.00}. I never applied nor received nor used a credit card from Paypal Credit. When I called, they wanted " personal information '' which I would not give. I ended up hanging up on them. I am XXXX years old and on Social security. I do n't need this aggravation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Credit card () with The Moore Law Group (CA).
Issue: Other

Complaint: Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: Chase has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved ; debt was verified and they would n't take it off from my credit reports. It is hurting my credit badly. I badly need help to get it removed from all my credit reports and stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has incorrect personal information to my credit report. Someone much have a name similar to my name the name and DOB is incorrect please remove anything that is associated with that name and DOB XXXX XXXX/INCORRECT/DELETE XX/XX/XXXX INCORRECT/ DELETE

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 10/27/2017 about Credit card or prepaid card (Payroll card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Unexpected or other fees

Complaint: Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over

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 10/23/2015 about Debt collection (I do not know) with High Point Asset Inc (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX keeps calling my work with robocall saying I was a person of interest. At one point a live person left a message that I was accussed of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Application, originator, mortgage broker

Complaint: We want to sell our home through a credit qualifying assumption of our mortgage. We have called Nationstar Mortgage multiple times and they will not provide the fees associated with an assumption until we have a buyer. Their letter states that " Assumption fees, which will be disclosed on the Good Faith Estimate, will be assessed and are due at closing. '' How can I sell my home without knowing what the assumption fees are going to be? After an hour on the phone and talking with a supervisor they are only willing to provide with a guesstimate of {$2000.00} - stating that it will depend upon investor, servicer , county & state. They have all of this information now - why ca n't they provide me with a Loan Estimate or Good Faith Estimate? After being on the phone over an hour I was finally given 'some ' of the fees associated with an assumption. The only reason they gave me anything is I threated reporting them to the CFPB. If I were n't a Loan Officer and knew how to ask for the appropriate information I would never have received anything. I was verbally told that the fee is 1 % of the XXXX a {$20.00} credit report fee & {$100.00} doc prep fee along with applicable state & county charges. Why can they not prepare a LE to the seller?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I have had XXXX check payments set up on my Checking account for the amounts {$350.00}, {$180.00} and {$560.00}. These were payments to my condo association that have been in place for over a year. 

I closed my checking account recently. The local banker in XXXX, CA who closed my account and I ensured that all the check payments were in fact funded and had already debited to my account. The local banker closed the accounts and returned my balances to me. 

I was expecting these payments to reach the recipient by XX/XX/2016 after which a late fee could be assessed. Without any forewarning today XX/XX/2016 Chase stopped the payments of XXXX checks on frivolous grounds that the payee address is incorrect. The address on these payee accounts has n't changed in over a year. 

Chase has taken illegal possession of my funds. They are now holding on my funds even though my checking account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with URS Holding, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: my credit card debt of {$830.00} was sent to United Recovery Systems. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ 50 monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I filed a complaint about my Verve credit card backed by continental finance on XX/XX/2016, complaint number XXXX. I filed the complaint because I had provided documentation supporting my fraud complaint to them directly. I reported my card stolen to them, provided the police report, and my letter of incarceration, as well as the affidavit of fraud that they requested I fill out and return. They had removed a good deal of the charges but were still trying to get me to pay {$230.00} before re-issuing me a card and stated that these were late fees. I called to check the status of my fraud complaint and they ( continental ) informed me that the account had been closed and sold into collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am beyond upset about this!!!! I feel like they are giving me the run around and sold the account to avoid resolution. I only held off on filing a complaint sooner because they acted as if they were handling this. I refuse to pay a dime, I wanted my card back!!! that had a XXXX balance at the time I XXXX ... .absolutely sick about this, hours and hours and hours spent on the phone for nothing Continental Finance XXXX XXXX XXXX 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 03-01-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a notice from XXXX XXXX concerning a bill of {$400.00} that I supposedly owed to XXXX XXXX. I do not have an account with XXXX XXXX. When I contacted my local XXXX XXXX store in XXXX XXXX Indiana they told me that I had no outstanding debt. I do not understand why this company is sending me this letter I do not owe any money. I feel like this is A fraudulent letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was told that this account was to remain on my account because of an address that was associated to this account. XXXX Ca XXXX. I have never lived at this address. This is an act of fraud and have been reported to law enforcement officials. Also fraud alerts have been placed on my reports. 
Please remove collections that are associated with this address I have NEVER LIVED HERE.THESE COLLECTION ACCOUNTS NEED TO BE REMOVED

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 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I deposited a {$3000.00} check in my checking account and Wells Fargo is holding the check for 9 business days. I deposited the check at the ATM and did get a message that the funds might be held. However, I have received this message in the past but the hold has only been XXXX or two days. When I checked my account this morning, I saw the hold date of XXXX/XXXX/16!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with TekCollect Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX calls everyday more than 10 times per day. When the phone is answered by an employee XXXX is very abusive and derogatory. He calls me a XXXX woman with no manners. That I am XXXX and can not add or subtract. He even asked me if I was alive during the day when I would not answer a question I did not know the answer too.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!

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 09/28/2017 about Debt collection (Other debt) with The CBE Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I mailed Equifax proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with CarMax, Inc. (NC).
Issue: Taking out the loan or lease

Complaint: CarMax Business Services LLC  sold a car on   XXXX   XXXX   XXXX   and provided financing to someone who they should have known was not qualified to borrow any money. The person they provided the financing to has not had a job for over  XXXX  years and has never had a credit card or a loan. If they had done even the most basic credit check, they would have been able to determine this. Instead, the buyer was given a loan at almost 12 % interest. He will not be able to repay the loan and his family members had to assume the debt to avoid the risk of having the car repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Trouble during payment process

Complaint: My payments are due on the   XXXX   of each month. Each month, my bank sends by " bill pay ' ', Caliber Home Loans a check on the   XXXX   of each month enough time for Caliber Home Loans  to process the payment before the  XXXX . I have documentation that shows recent payments were sent to their  XXXX   XXXX   and w as scanned in the mail by t he USPS. However, Caliber Home Loans is not processing them until after the late date, thus sending me late notices and charging late fees. Caliber tells me they must process payments within 24 hours, but are not. If they are picking up their mail, then the payments are sitting on someone 's desk. They say its my problem that they are not responsible for the  mail, but it is sent to them and I have no control over how many times they visit the  XXXX   XXXX   . Ev en if we mailed a personal check to them to their  XXXX   XXXX   by their direction, it appears that personal check would not be processed in a timely manner.    I am concerned they are reporting late payments to the credit bureaus and I do n't deserve this type of treatment since they own the above issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Money transfers (Domestic (US) money transfer) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Incorrect/missing disclosures or info

Complaint: 53 Bank and their agency XXXX, XXXX allegedly violated the EFTA and 15 U.S.C. 1693 because they have not responded to my complaint timely and did n't inform me initially of what the process was. The tech, XXXX, was laconic.

Company response to consumer: Closed with explanation