milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Diversified Consultants Inc. was sent an initial dispute letter in XXXX XXXX of an incorrect reporting of a collections on my credit report. I have sent this company 3 letters with 2 of them being certified by mail letters in which Diversified Consultants never responded. Since they are a third party collection agency, I requested an original signed copy of this account with my signature validating this account belongs to me. This collection account that is listed as XXXX on my credit report does not belong to me. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last  Payment Date listed as XXXX/XXXX/XXXX is inaccurate and does n't exist. Diversified Consultants Inc. has not only violated federal and state laws by not replying to any of my certified letters, but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing this account belongs to me and is being reported accurately. I am requesting that they delete this from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Using a debit or ATM card

Complaint: I noticed ATM withdrawals being made against my Bank of America account that were not made by me. I contacted Bank of America and canceled my business debit card and explained the situation. They put the $ XXXX+ back into my account, canceled my card and issued a new one. Approximately 1-2 weeks later, Bank of America sent me a letter stating that they were taking the {$1400.00} back out of my account as they found no fraud. I appealed their decision via telephone call as I absolutely did not make the withdrawals. At that particular time, thieves were using gas station pumps to steal debit card numbers and pins. I believe that is what happened to me. Bank of America denied the appeal and refused to give me my money. At this point, I started calling the banks where my ATM card was used fraudulently. One of the banks found the video of the person that withdrew the money and it was clearly not me. I wrote a very detailed letter to Bank of America and included screen shots of the video, offering the actual video to them at their request. I also filed a police report, found several articles regarding the gas station thefts ( one that quoted a Bank of America professional ), submitted their own policy of protecting business debit cards to them and asked for another appeal. I am attaching this notarized letter to this complaint for your information. Bank of America still refused to give me my $ XXXX+ back. As a result, automatic payments went out on the account which gave me a negative bank balance. Add bank penalty fees to that and we have a mess. I hold Bank of America directly responsible for all of this as they failed to keep someone from fraudulently using my card and then absolutely REFUSED to put the stolen money back into my account after I reported the information, provided video proof and filed a police report. Please look into this matter for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I have already disputed the medical collection with XXXX, XXXX, XXXX, and also the collection agency about this inadequacy. XXXX has removed the collection unlike transition and XXXX who has not appropriately investigated the matter. I have enclosed the dispute letter that had been sent to each. Also, I have now written an appeal letter to the VA about the medical debt, and have included it with this complaint. Dates : XXXX, 2016 Amount : {$1500.00} I have disputed with bureau of Economics, the VA and all XXXX credit bureaus. XXXX responded appropriately and had removed the collection.

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 non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Auto) with BB&T CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am am making payments on a weekly basis but yet they call from various numbers several times a day even after I make a payment when promised. Regional acceptance auto is the company

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fair Collections and Outsourcing INC. has committed several violations of FCRA. 
They are trying to collect the wrong amount. 
They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. 
Their billing statement does not include the required criteria by FCRA. 
They have continued to report during dispute several times. 
They continue to duplicate report. 
They have been verbally abusive. 
They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. 
Continues to threaten via letters to report to credit bureau. 
Did not send valid bill 5 days after i contacted them XX/XX/2016 as required by FCRA. 
Has purchased a fraudulent account in my opinion not only for the wrong amount but original creditor XXXX XXXX never validated debt or answered to illegal eviction charges complaints, instead just sold account. 
FCO refuses to produce legible and itemized statements validating debt. 
Billing statement contain many misleading entries, non abiding by FCRA requirements Bullying by FCO agents via phone calls and when i have called them to resolve account I 'm positive there are other violations I'am unaware of as well in there collection practices FCO has people listed on account that have nothing to do with our debt FCO lists wrong and incorrect account info and refuses to correct

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 03/22/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Barclay 's bank has on a continuous basis called me when I have requested them to send statements and they have not. They call before XXXX and when I make a payment over the phone, it does not get recorded and they call again the next day. I have on several occasions told them not to call me after XXXX which they continued to do. Also I am never late on payments but they don't record automated payments timely and then mark me late on my credit report. For example I called Barclatys on XX/XX/2018 to pay off my account and gave them full information on the automated line and got confirmation. Looked at my credit report today XX/XX/XXXX and they marked me late again so I called and made a full payment of {$1600.00} again and my confirmation number is XXXX. This has happened over and over again with Barclays and they continue to charge late fees, report me late on my credit but in fact there automated system has a flaw. I need my credit report updated to no late payments as I have continuously made payments and now my account is paid off..never want to deal with them again. This is absolutely ridiculous.

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 12/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.

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 10/23/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Struggling to pay mortgage

Complaint: Select portfolio serving is saying I 'm late default of morgage even though I 'm not holding funds in suspense never applied it like they should and not reflect in principle balance correctly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Equitable acceptance advised me that they could get loan forgiveness for me. They they told me that I qualified for loan forgiveness and that I just had to pay a fee each month to cover their cost for paperwork in and writing off the amount each month I think that fee was around {$39.00} a month recently spoke with the Department of Ed who informed me that this is a scam company that they do not have the power to do this and that now Im a year behind again. I have to pay the additional interest now Im further behind than Ever. My husband and Ineeded to do this because I lost my job. After about 3 months I found an Occasional job at much lower Pay. I am XXXX looking at retirement, my husband has retired. our income is very limited and we now owe the additional interest. I am going to be stopping work and wont have money to pay this back because I still owe XXXX this company has just devastated me even further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per the case number above, Transunion agreed that the Student loan with XXXX had been settled and that the balance would be corrected to zero and settled. I now pull my credit report and they have reverted back to showing a balance and open. The settlement to the above noted case was that TransUnion agreed the showed be XXXX balance and closed as of XXXX/XXXX/2015. I need them to correct this again. All supporting documentation is included with the original case.

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 01/24/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Talbot, Adams, & Moore, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Have had an XXXX XXXX XXXX XXXX XXXX XXXX for over 10 years. Always received paper statements. Never had a late payment or problem in all of these years. XXXX suggested that I convert to paperless statements in XXXX XXXX. They said I would get an e-mail when statement was ready. For whatever reason, I never received an e-mail or paper statement for XXXX XXXX. Had a balance of only {$17.00} and payment was due on XXXX XXXX, XXXX. Got a late notice e-mail on XXXX XXXX, XXXX saying past due and charged me a late fee of {$18.00}. Called to try to resolve with XXXX and they basically said too bad. Would not remove the late fee even though it was more than my balance. I told them that if I had to, I would pay the late fee and cancel the card. They did n't much care. They just wanted that late fee. I do not know if this a deliberate attempt to get extra fees from the consumer or just bad business practice. Either way it is not fair to the consumer.

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient short changed me of {$15.00} on the second refund check, it should of been {$190.00} but got {$170.00} instead. called them spoke to  XXXX  she told me there was a IRS filing fee and I told her I was not to be charged anything. Kept getting the run around with her, hung up and contacting you an d Washingtons Attorney Generals  office.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Closing/Cancelling account

Complaint: I have been a Lowes credit card holder since XX/XX/XXXX and have paid my bill on time every month since then. A few months ago, checks were stolen from my bank account, so that account was closed and re-opened with a different account number. When I went to pay my Lowes account, I used the bank account information that was stored, however, it was the old account number so it was returened. However, I paid the amount due as soon as I realized this was the case. Lowes did not notify me this had happened. The following month, I went to pay my Lowes account with what I thought was the updated account, however they had not updated the account number and had the previous account information stored, so it was returned again. Again, I was not notified by the company, only when I checked my account did I notice that it had not been paid. Again, I promptly paid the payment due. Today, I went to check this account to make sure the account was updated or deleted for the next pay cycle and there was a note on my account saying that it was closed due to returned payments. Once again, I received no notification from Lowes that my account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2017 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Thomas Agency has tarnished my credit report by trying to collect money on behalf of Maine XXXX XXXX XXXX. I am XXXX and have had full medical insurance for over 10years through XXXX and XXXX. So there is no possible way for me to have unpaid medical bills in that time period and anything before 2010 it should be removed from my credit after 7 years.

Company response to consumer: Closed with explanation