milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with M. G. Credit, Inc. (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX in XXXX Florida fined me excessively for late payments. Members who are late on paying can not use the gym. The gym fines iare well in excess to the amount of services I agreed to pay for, but also never used. Its absurd to expect someone to pay for services that were never rendered, it is even more crazy to fine people to purposely inflate the cost and use their credit school to hold them hostage. The gym sought to excessively profit off my misfortune through a predatory contract scheme that allows them to not only charge me for services that werent rendered but to charge me excessively. I reached out to MG Credit Corp to settle the account for a reasonable sum, they declined. On X/XX/16 They XXXX offered me a chance to pay off the membership balace {$190.00} ( I did n't have a job so I could n't ) On XX/XX/2016 that had grown to XXXX Now it 's over {$500.00}. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had contacted this site before and when you escalated the complaint they fixed the problem. And 2 years later I went to open an account at the same branch that it was fixed at I was told the gentleman that fixed it never permanatly fixed it. I have had the same bank account and have had no problems until now. 
So back in 2014 I had fraud on my checking account the person was convicted and I have all the police reports and court documents, however Bank of America contacted me after XXXX XXXX took all the notes and negative stuff off of my name and sent them a letter stating this was fraud on her account and please see attached reports. It was only then and only after that was I told to file a complaint. Well it was fixed but apparantly it was fixed half XXXX because even though I have had the same account open for going on 3 years with no problems I went to open another account and the branch manager remembered the situation adn said the guy that fixed it before only did it temporary and all the stuff came back again. Are you serious? So for almost 3 years I though Bank of America had my account coded properly and all thetime they didnt. I want to file a complaint as I have all my documents from 2014 and even the letter from XXXX XXXX stating it was fraud

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 05-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing

Complaint: I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: They will not release my credit report. They have asked me after months of me calling them over and over to send them my drivers license and social security number. I have faxed it to them XXXX times AND sent by mail XXXX. They still have not fixed my credit report. The other XXXX credit agencies have my information correct and they are able to release it to me. Equifax refuses to, even after months of sending them my information. I filed a complaint with the XXXX and all they keep doing is pasting the same answer back to me over and over. Telling me to send in my information which has already been sent XXXX times and they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Eagle Recovery Associates, Inc. (IA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX my wife received a phone call from ( XXXX ) XXXX Eagle Recovery Associates , Inc. in regards to a couple of debts. The representative assigned to these debts badgered my wife and made insulting and demeaning comments to her which made her uncomfortable. These comments were in regards to her " needing the services but don't want to pay them '', making her feel horrible. The representative told her on the phone ( which all calls are logged ) that he has two debts for us, one totaling {$130.00} and one for {$40.00}. My wife requested the debt letters be  sent to us via mail. We received them both. When I called in on XX/XX/XXXX to confirm the amounts and pay them, I was then told the total was now {$760.00}. The same representative ( as he is assigned to our debt ) told me on XX/XX/XXXX there is another {$400.00} debt, which was never mentioned before nor was a letter ever received for it. He told me that he informed my wife on XX/XX/XXXX that  the total was {$760.00}. I am disputing the additional debt and now the entire total. I disputed the debt on the phone and requested to speak to his supervisor. When the supervisor got on the phone, he told me his name and that was it. He didn't tell me he was a debt collector until about 4-5 minutes into the call. I requested to have the call audio pulled from XX/XX/XXXX to verify if the representative was being honest with me and my wife. The supervisor decided to change the course of the conversation to " the total debt owed is ... '', " do you want to pay it now? ". The supervisor would NOT pull the audio for me to listen to. Instead he kept interrupting me when I was trying to explain why I wanted the audio pulled and said I was being condescending. The supervisor stated he was going to end the call and note the account as a " refusal to pay '' and recommend additional action to be taken. At the end of the phone call he said he is going to hang up. I stated to him " don't hang up if you would like to be paid ''. He then hung up.

Company response to consumer: Untimely response
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bureau of medical economics, XXXX AZ XXXX ; has put a debt belonging to my oldest son, XXXX years old now 2 times in my Credit Report, first in XXXX XXXX and the 2nd time on or about XXXX XXXX, both times I call them and explain them was n't my debt and they knew was n't mine when they ask me for my social security number but they told me both times I had to make my Son paid them the debt so they can take it out of my Credit Report, both times I left feeling like am a hostage during this process, had to hire an attorney to dispute both times and last time I was or in the process to apply for a loan to buy a property in XXXX , AZ , when I call the Bank they told me I will still qualify but my interest rate will be higher because of the derogatory information on my Credit Report, In XXXX my Lawyer send a letter to this Company to pay me {$2000.00} in damages and they never respond or pay, I believe taking somebody hostage to make somebody else to pay a debt is a CRIME! I have recordings were they say do n't care and they wo n't take the false information out of my Credit Report unless my Son paid them.

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 01/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I opened an account with BOA, which I had in good standing for several years. I had never had any negative occurrences with my account. My account was compromised and as soon as I notified the bank they shut the account down. I reported to the police as well as the bank of what happened. 
As a result of this I was listed in XXXX XXXX XXXX & XXXX as fraud activity. Which to other institutions it looks as though I committed fraud which was not what happened. I have contacted the fraud department submitted a dispute and explained thoroughly what happened without any changes as a result I am not able to open a checking account. 
I was not aware of CFPB so I did n't file a complaint when all this first happened.

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 06/16/2015 about Credit card () with PAYPAL HOLDINGS INC. (CT).
Issue: Unsolicited issuance of credit card

Complaint: When I attempted to change the email address on my PayPal acct, the company apparently opened a separate PayPal Credit acct with my information and automatically applied my next charge to the new acct -- so instead of my initial charge being paid off with the credit card on file, they charged me interest and late fees. When I contacted them to complain, they offered to close the acct if I made a payment of half what they claim I owed. I did this, and then several days later I received a new statement showing my payment and adding another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with Commercial Trade, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am submitting this report in relation to the recent Equifax hack. 

Equifax has not done their due diligence in ensuring that my personal information was protected, and the fact that information was compromised so readily points to Equifax not in compliance with XXXX, let alone other means of encryption as per financial regulations. 

I am currently unable to pull a credit report from annualcreditreport.com due to pulling a credit report in the last 12 months, and Equifax has largely remained quiet on the issue of so many Americans having their data compromised. I am not able to determine at this time if my credit has been compromised, and if so, how it has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Information was disputed but the company needs more than 30 days! I do not understand why I have to wait addition days of 45 to 60 days before my credit report is updated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TD BANK US HOLDING COMPANY (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I tried to get a pharmacy rewards card, but the cashier did not understand and she made me to apply a target red card? I noticed that this person was a sales training to get bonus, and charged {$38.00} from the target red card. I closed the account the last XXXX, so I received some letters regarding the payment plus interest. Now, I have financial matters and I am not willing to pay the new balance.?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan.

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 03-05-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Atlantic Bay Mortgage Group is charging a {$10.00} 'processing fee '' for online payments based on the number of days it is past its due date. 
On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date-No Fee 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} The terms of my mortgage say that after the XXXX there is a late charge. So essentially they are charging me for a late charge before that. It would be different if they charged me the same {$10.00} regardless of when it was due. Since they base this payment on the due date, it effectively is calling it a late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX to XXXX XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract XXXX attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX XXXX collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the XXXX credit agencies in XXXX of XXXX. 

This has been harming my credit history, profile and score since then.

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 11-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Against : XXXX illegal credit reporting The collection agency has violated the Fair Debt Collection Practices Act. Has never communicated with me, I am requesting proof that they communicated with me if they are claiming so ( mail tracking, etc ). A collection agency can create a letter, at anytime, back date it, and falsely claim that they have sent it to the consumer. This has become common practice for collection agencies which they conveniently " do not have any proof that the consumer was notified ''. As a consumer I never had the chance to ask for proof of Debt or communication with this company. As a part of this claim, I am willing to provide concrete proof, legal documents which show that I lived and worked in a US Territory.

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 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I reported identity theft to XXXX, They sent my personal information to collector agency.They are keep sending mail.I paid that amount which was fraud in my account and They added interest which was paid by me from my bank account. They did not respond back to me while I was calling to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On the XXXX of XXXX XXXX I was charged {$80.00} XXXX, and on the XXXX of XXXX I was charged {$50.00} by a franchisee of XXXX XXXX. The Franchisee is named XXXX XXXX. These are NOT all the transactions I have made with said franchisee, but these are the only two transactions with the franchisee that Bluebird by XXXX will allow me to dispute. 

On or around the XXXX of XXXX the named franchisee went into my place of employment, broke into my locked toolbox and took back tools that had been paid off. 

The reason said franchisee stated was " I have n't heard from you in months '' which is completely untrue and absolutely fabricated, as a {$50.00} payment was made just 7 days prior and I had seen the franchisee in person. I have since learned that this a tactic sometimes used so that the franchisee can essentially sell the same tool twice! I learned that the franchisee discretely sold a socket set that was taken from me to my very boss, whom I work with. 

I have a paid attorney who has assisted me in filling out a " declaration of damages '' for filing in a local district court. These damages are being claimed against XXXX XXXX, but have not yet been filed, as I would rather have a determination from Bluebird to proceed, as this would substantially help my case against the franchisee. I am not by any means trying to gain here, I only want the money I work very hard for back. 

I mention this because when I disputed the last two transactions made with the franchisee using XXXX XXXX XXXX, I alerted XXXX I was taking this franchisee to court. I was asked to prove this in a manner that made me feel as if i was lying, and making this story up, as if I have n't been victimized enough. 

I have paid approximately {$400.00} US to this franchisee and am able to only dispute a total of {$130.00} with XXXX XXXX XXXX. I learned this morning the {$80.00} dispute was denied, and XXXX has thus far not only refused to give a reason why, but I was told over the phone on the XXXX of XXXX XXXX, that the dispute refund was GRANTED and I should see it in my account by today! ( The XXXX of XXXX XXXX ) I apologize if this seems long but this is something I have been dealing with for a couple of month 's and am now becoming rather agitated over. It may seem like a small sum of money, but as an auto technician, this is money hard earned. 

I truly appreciate any help in regard to this matter.

Company response to consumer: Closed with explanation