milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report and all my inquires were deleted from my credit report. I filed a complete with cfpb and the issues was resolved. All of the inquiries that were previously on my credit report has been deleted. However, the inquiries on my XXXX and Experian are incorrect and needs to reflect the same as my XXXX credit report.

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 04-02-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I received Wells Fargo Credit Card without my consent/request couple of years ago. I have taken this complaint to wells fargo bank location in Maryalnd, but they did not accept the complaint, and I ended up having the card. Now until recently when I read about Wells Fargo fraud complaint I realized that this is about the same incident happened with me and I should report this.

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 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid multiple times due to collection agency stating they never received payment and refuse to remove it from credit bureaus. National credit systems owes me money!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Debt collection (I do not know) with Security Credit Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I only was making XXXX and my payment was {$180.00} then i got married and my wife only makes {$22000.00} and she does not work in the XXXX and she does not collect unemployment and they raised it to {$410.00} i can not make that those monthly payments im borrowing against my credit card to pay and i also have a peaks student loan that i pay {$220.00}. Im not even working in my field. I went to XXXX and i feel that with an XXXX XXXX i feel that my XXXX loans come to approximately {$60000.00}. Im XXXX years old and I am in more debt now than when i went to school. And now that XXXX closed down i Have no resources to get a job. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Capital One credit card that I paid off on XXXX XXXX, XXXX in the amount of {$720.00}. I received a bill in the mail for {$12.00} for additional interest charges. I contacted capital one to have the interest removed because I have never asked for a reversal in late charges before and although I paid off two additional cards that each have an over payment on and that I have to wait up to 60 days to receive the checks, they were unwilling to reverse the {$12.00} interest charges which is completely preposterous!! 

I then tried to contact corporate headquarters at the phone number of XXXX and was told by the young man that answered that the number I dialed was a third party number and that he could not give me anymore information then a corporate mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the company on many occasions and I even sent in a police report that was made stating that I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: American Express has no way to receive written messages through its website, other than, perhaps, in a " chat '' exchange that is far too time consuming to be worthwhile. It will not allow you to simply send a written message to it through its website. This practice restricts easy communication with it and tries to force its customers to have to waste time on the phone on hold or waste time with its ridiculous chat exchanges. Its online questionnaire to challenge unauthorized charges, furthermore, tries to force you to answer inaccurate questions, the presuppositions of which are simply false. It tries to box you into statements you would not make by its refusal to take written comments from its customers online that are in the customer 's words rather than in AMEX 's. Along with other billing and advertising deceptions, AMEX should be forced to receive written comments from its customers through its website, so that they can speak freely for themselves and not be forced to waste so much time with them on the phone or through any other means, or to have what they are trying to say intentionally distorted by the idiot forms it tries to foist onto its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original bank is XXXX XXXX Bank. The account went into a collection agency named Midland Funding LLC, and then it was sold to Midland Credit Management. Long story short, the account was closed and forgiving and are not collecting money from me because of financial hardship. As of XXXX XXXX, XXXX XXXX Bank is reporting my account negatively. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.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 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called Blakely and Witt on XX/XX/XXXX2016 and asked to speak to XXXX XXXX XXXX. I asked if he could send me the documents that he stated in our conversation last week stating that I had supposedly signed documents that his company was able to add interest to my original debt. XXXX XXXX XXXX stated " Look I do n't have time to play games with you lady, when you get serious then call me '' and the phone call was disconnected. I tried to call back just but I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection account on my credit report that does not belong to me. I have no contract with 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 non-monetary relief
Consumer complaint received 11-03-2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (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: On XX/XX/2018 I got your decision that you would denied my request about removing the credit report that is listed on XXXX XXXX and XXXX. I have strongly disagree with the decision that you made and think that your company did not look deeply into the matter. 
Even tho it was in the terms and services that you stated. Stating that you guys was going to make a hard inquiry is not listed in the agreement and i did not agree to you guy pulling a hard inquiry on my credit report. 

The fact remain i was coerced by your employee who told me misleading information that they would be making a soft inquiry to determine my eligibility. Even if it was misunderstand on both side by me and the employee, it doesn't benefit either the company or me from such a enquiry that would remain on my credit report for such along time for a simple mistake that was made. I did plan on buying the XXXX in cash when i save up enough money but was persuaded by the employee who is a representation of best buy and who i trusted with the information that was given to me. I did end up getting the XXXX computer at a later date which was my intention i send a copy of the receipt. 

It would benefit both the company and the customer best interest if best buy could over turn their decision and take the hard inquiry of the credit report. this would indeed benefit best buy when i do take out the credit card at a later date since i have now established my credit score back then i was ignorant about how credit score worked and how credit report work and now if the company could work with me to come to better understand of the matter. If not i would not take out or do business with best buy any more because i would find it unfit on unsatisfactory if they could not forgive their customer and so i could not forgive them with misleading me and for mistake that both parties made. 

I hope the company look into the matter and we can come to an understanding, i really hope that you guys would be able to fulfill my request. I would be really please if my request would be granted, i know the company makes mistakes before and would love and ask customer to forgive them so it would be fitting if a trustworthy brand as best buy could fulfill the request of their customer and to rebuild that relationship with me.

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 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion is not following FCRA laws to dispute inaccurate personal information and an error on an account on 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 11-08-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.

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 06/17/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The representative was completely belligerant and rude when I ATTEMPTED to let him know that I did not owe this debt. I made him aware that I was elderly and he was not legally allowed to call me anymore at that point he told me there would be a legal judgment placed on me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 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: Their investigation did not fix an error on your report

Complaint: This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit.

As a matter of fact, I see another company on my XXXX  credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.

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 01-05-2018 about Debt collection (I do not know) with Account Managers, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is showing 4 accounts in the amount of $XXXX, $XXXX, $XXXX and $XXXX.  I contacted them on XX/XX/XXXX and confirmed that I am not the person that owes the debts but they are still reported as me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Record needs to be removed from all three credit bureau 's based on unverified information. Account is suppressed and frozen with XXXX. Court does not verify with the credit bureau. Please remove bankruptcy from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a settlement that I am paying off through Attorney XXXX at XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation