milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me.

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 12/22/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Key Bank closes branch. When I go to open a new account at another bank, I learn they had another account under my name I knew nothing about or authorized. They listed it as Account Abuse on XXXX, Consequently I can not open an account anywhere else. They listed my address on this account as my neighbors so I never got any calls or correspondence. I did business at this bank for 20 years and never had any idea they were doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a " second notice '' letter dated XX/XX/XXXX from Phoenix Financial Services LLC Registered as XXXX  XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but Phoenix can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. Phoenix reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card wi th Citi, sp ecifically their Citi/AAdvantage  XXXX   World Mastercard .   XXXX   Citi changed my billing from paper statements ( sent via mail ) to  electronic billing without my authorization. Because I was not receiving statements, and was n't thinking about the card, they accrued late fees and interest charges that I would have avoided if I 'd received the bill.   XXXX  When I called to challenge the fees, I was told that I must have been the one who made the change and that they would do nothing.   XXXX  I feel I have been "  XXXX   XXXX  '' b y Citi. I  keep all my records in paper and most certainly did not change away from paper statements. The only explanation is that they did 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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I am a long time wells fargo customer. I use XXXX to download transactions from the bank via their free service for several years. Recently I discovered that they began charging me monthly fees for XXXX banking. The person I spoke to told me that they have waived the charges and credited monthly charges. Additionally, I was advised that I will not longer incur any charges. This conversation with the bank occurred in XX/XX/2016. ON XX/XX/XXXX I started getting charged for XXXX. When I called wells fargo, I was told that they are promoting their competing paid service and I had to pay for XXXX to download transactions. Further they mentioned that the free XXXX issues had to be resolved by XXXX and had nothing to do with wells fargo. 

I spent about four hours with XXXX on two different occasions and could not get the free service to work. The interface to the free service seems that have been discontinued by wells fargo since they moved to a different website in XXXX. It appears that they have sabotaged their free service to start collecting fees from XXXX users. As a matter of principle, this is another example of wells fargo charging their customers by blocking their free service without any notice or updates. 

As a resolution they need to keep the free service up and running or not charge {$15.00} per month for the new service that they have setup. I can provide more details as needed to resolve this with Wells. I have spent several hours in numerous phone calls. They have used their usual tactic to shuttle me around and drop calls. In the end I did manage to speak to the right department and their only suggestion is to talk to XXXX or pay for the service. 

Hope someone from CFPB can help me resolve this with Wells. Barring which I may decide to move my business to a more consumer friendly bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO 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 non-monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Citibank has stolen {$15000.00}. On XXXX XXXX, 2017, I opened a new checking account at Citibank, and deposited over {$15000.00}. Citibank issued checks for me to write. I was able to login to my account and see my balance. However, a couple of days later, I could not access my account online, and Citibank refused to pay checks or online bill payments per my instructions. I have incurred late fees and my credit reputation has been damaged. I have contacted Citibank on XXXX separate occasions to address this issue. Citibank Customer Service told me that the account has " a hold block '' on it. Each time I have been transferred to multiple people, none of whom can explain why the account is frozen, or do anything to release the " freeze '' /'hold. ''

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 05-06-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage with Ocwen Loan Servicing, LLC.They have been charging me a usurious interest rate in the amount of {$7000.00} ( for one month ) since 2010.They will not explain this nor will they correct it.I think this is illegal and I want it taken off my loan amount and I do not want it to effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I attempted to send monies to my nephew for XXXX on XX/XX/XXXX for {$500.00}. the monies never reached the account I sent it to and I never got the monies back into my account. I have attempted on numerous occasions to contact their wire transfer department and got no resolution for my complaint. Wells Fargo never informed me that there was an issue and that monies was never received. I have gone into the bank now since XX/XX/XXXX and have not gotten an answer as to where the funds are and why they have not been replaced back into my account. I have met with a bank manager who is not getting the correct answers to my questions nor has he been able to find out how I can get the funds returned to me. It is now XX/XX/XXXX, I returned to the bank today and have not recieved the funds into my account nor have I gotten any action as to Wells Fargo 's attempt to return the funds. Every time I go in and speak with someone in the bank they make a phone care to XXXX and nothing gets done. Funds are still missing from my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Debt collection (I do not know) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Strategic Alliances, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was notified via an alert on my credit monitoring that First Financial Investment Fund had placed an collection on my credit report in the amount of {$260.00} for a debt that I do not have. I do not owe any creditors. I did not receive notice of right to dispute nor did they provide enough information to verify debt. i.e. amount of debt & name of creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.

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 02/16/2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.

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 02/14/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal 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
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with U.S. BANCORP (KY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX dollas was taken 3 times for overdraft fees when the money was being held and we had the money in the account. we did make one overdraft payment but the holds held the amount out

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 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My name is XXXX XXXX I bank with PNC Bank and on XX/XX/XXXX I went to PNC Bank Branch at XXXX in XXXX, Pa. at XXXX XXXX XXXX. XXXX, Pa XXXX, to make a withdraw out of my checking account, the bank teller who assisted me her name is XXXX XXXX. 
XX/XX/XXXX, I received a call from PNC credit card underwriting spoke to XXXX, He told me he has an application for me that I filled out for a credit card, I told XXXX No I have n't applied for a credit card, he told me that the application was filled out on XX/XX/XXXX. I told XXXX to please shut the card down immediately, he told me NO CREDIT REPORT WAS PULLED AND THAT HE WILL SHUT THE CREDIT CARD DOWN. XXXX SEND ME A CREDIT REPORT THAT PNC BANK DID PULL A CREDIT REPORT 2 X. 
XX/XX/XXXX, I spoke to XXXX XXXX she denied pulling an application under my name Illegally. I contacted her manager XXXX XXXX XXXX. He did ask me what happened I did tell him. 
I was referred to XXXX XXXX she 's with PNC Bank Executive Client Relation her tel # XXXX she keeps telling me these things take time. I also filed a Police report with XXXX XXXX Report # XXXX. I BELIEVE I WAS SINGLE OUT BECAUSE I 'M A SENIOR CITIZEN OVER XXXX YRS. PNC BANK CREDIT CARD UNDERWRITING TOLD ME THAT THE APPLICATION WAS OPENED ON XX/XX/XXXX BY XXXX XXXX SHE WAS GETTING CREDIT FOR THE APPLICATION SHE OPENED WITHOUT MY AUTHORIZATION. I FEAR XXXX XXXX SHE WOULD DO ME BODY HARM IF PNC BANK FIRE HER.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a mortgage with Ditech. My ex-spouse and I are joint mortgage owners. Our divorce was final in XXXX XXXX, and the decree relieved my ex-spouse from any responsibility for the mortgage as I remain in the marital home. To complete this action, I needed to assume the mortgage and remove my ex-spouse 's name from the account. 

On XXXX XXXX, XXXX, I submitted a request via Ditech 's online customer service portal requesting information on what I needed to do to assume the joint mortgage and remove my ex-spouse from the account. I received an immediate email confirmation that Ditech received my request, and shortly thereafter received a formal letter via US mail to the same effect with a promise to respond within 30 days. 

On XXXX XXXX, XXXX, nearly 3 months later and having not received a response, I submitted a 2nd request, stating that this was indeed a second request. I again received an email and formal letter via US mail promising a response within 30 days. 

It is now XXXX XXXX, XXXX, and I have not received any further correspondence from Ditech. 

Please advise. 

XXXX XXXX XXXX

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Other financial service (Credit repair) with GLOBAL CLIENT SOLUTIONS, LLC (RI).
Issue: Fraud or scam

Complaint: For past 6 months Global Client Solutions XXXX XXXX XXXX XXXX collected {$250.00} a month for debt consolidation. After realizing no repair had been done I reached out to lawyer that was supposed to receive certain payments that had n't. Although credit repair was listed on each statement for {$49.00}, no creditors were paid. Wit went to bank and we called the company who claimed I missed payments since XX/XX/2015 but I have statements that show otherwise. Bank XXXX told them about last statement the company hung up phone and called me personally. She wanted me to print, sign and send a cancellation notice but not confer with my bank XXXX. Any time I call they do n't want to talk and hang up.

Company response to consumer: Closed with explanation