milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (CT).
Issue: Deposits and withdrawals

Complaint: I am a card holder for " RUSHCARD '' and for 10 days i have not been able to access my account due to a programming switch glitch within the company. Not only myself but XXXX of other card holders are suffering due to this situation. We all have payroll checks Goverment checks posting to that card. the bank that Rushcard is affiliated with is XXXX. Now my XXXX payroll check will be deposited on my Rushcard account tomorrow and i still can not access. This has been going on since XX/XX/XXXX. 
As it stands i can not pay my bills all services are on final notice and can not pay rent so my housing is on the line. My job is on the line cause i can not drive to work nor pay anyone cause i have no access to my funds. Can not purchase groceries i work everyday for minimum wage in the State of Connecticut and i am not really making the bills now. i have moved 3 times this year cause of financial issues and now to have my pay check just taken from me is more than i can bare. i am a XXXX mother of XXXX it was XXXX children but XXXX are grown and have families of there own.But i still have XXXX that i have to take care of and XXXX is XXXX. i have been a member since XX/XX/XXXX and never encountered anything like this. I call i go through the automated and get transferred to customer service just to get hung up on. i have called over 30 times in the past 2 weeks and end up with the same result Nothing. No Explaination no Compensation for the hardships that we all as cardholders are enduring at this time. We are loosing everything and nothing is being done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Money transfers (International money transfer) with RIA FINANCIAL (NJ).
Issue: Money was not available when promised

Complaint: I ordered a money transfer to XXXX via Ria XXXX XXXX on XXXX/XXXX/2015. Prior to this, I used their service few times and never had an issue. On this occasion, XXXX was unable to credit the money to my recipient 's account within XXXX business days. I requested the order to be cancelled on XXXX and till today they have n't refunded my money. I keep calling their customer service everyday, and each time the give me an unacceptable reason that the correspondent bank is not acting fast enough. As a customer I do not care about their partners. It has been over a week now and I am still waiting to get my money back from Ria.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.

Company response to consumer: Closed
Consumer complaint received 04-06-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Upon advise of the B of A branch # XXXX manager I closed XXXX very old accounts. My checking and my savings account. I did this to prevent anyone from depositing money into my accounts and thereby creating a legal difficulty for me. After waiting the required amount of time I informed a person that I was returning her check and refusing to accept any partial payment. That person went to the XXXX XXXX, Ca. branch of B of A and attempted to deposit a check into my closed account as evidence on the deposit receipt. That person then managed to convince the teller that she had legitimate business and the teller found my new account information and allowed her to deposit the check as evidenced by the deposit receipt. When that persons cashed check is processed by her Bank all of my new account number will be available to her. Bank of America tells me that they can not guarantee that this will not happen again. My only recourse is to close all of my B of A accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.

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 07-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XX/XX/2015I have found out through numerous calls an research that " ARA '' Asset Recovery Associates is a ripe-off company that usesscare tactics to recovery debt. 
I was contacted XXXX concerning debt that my sonmay or may not have. Was told that he was a party to an action suit because his name was given on paperwork concerning this so called debt by my son. He was told that a sheriff or constable would be coming to our home to serve him papers. 
I was put on the phone an told that there had been several attempts to contact me concerning this matter with her espousing the same type nonsense. We found out that none of this was true. There was no sheriff coming to our home to serve us papers. However, we are XXXX older individuals XXXX. I wish to sue this company with your help for fraudulent misrepresentation of facts. I pray that you will assist me in this matter, so that I do not have to attain an attorney and take them to court. 
However if no resolution takes place " District Court '' and possible " Federal Court '' will be my next step. 

Name was never given to them by my son and furthermore even if it had been no company has the right to harass anyone that is connected with the person they are trying to contact concerning that person 's debt and responsibility. I will not let this matter rest until I receive justice. This company will be stopped from such unwarranted tactics against any person that has nothing to do with another person 's debt. ARA is a scam who purchases information and debt from companies penny on the dollar and than attempts to collect the full amount of the money with high interest. In most cases these debt are already past there statute of limitations.There are too many agencies like these that exist only to destroy and individuals credit, finances, cause them to lose their jobs, and make their lives miserable. 

If Asset Recovery Associates do not want this suit to go forth I am requesting deletion of son 's name from their records, and all records associated with any outstanding debt with their agency or any other agencies connected to them. I am also requesting {$500000.00} in damages due to their actions of fraud, misrepresentation of creditable facts, XXXX against my fiancee and myself. XXXX 

I have all recorded phone messages concerning this matter. I gratefully await your response to this letter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Paramount Recovery Systems, L.P. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 2 items listed on my credit report as collections from the Company Paramount Recovery ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the Paramount Recovery agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  X/X/17    i received a notice from credit karma that my score had dropped  XXXX  points from information provided by  Barclay  bank. Considering that i had  XXXX  accounts in excellent standing which  XXXX  forced me to close because they had suddenly slashed my credit lines to make it look like i was maxxing out my cards which i was not, the way they have reported has caused massive damage to my scores. After i paid the balance in full on all accounts and closed them they then posted interested charges so it shows accounts closed and with balances.It also appears that they have not reported the accounts closed by my request, They are also reporting balances to  XXXX  that do not exist. I have repeatedly return calls from their office of the president to no avail. I have attached screen clips from information appearing on my report from credit karma as well as information clipped right off of the  Barclay card website showing the contradictions. The excessive inquiries by Barclays h as also been clipped and submitted in a prior complaint. I have also contacted the House Banking  Committee  to report ho w Barclays has treated me and they requested complaints on record with CFPB. It is very disturbing that Barclays would launch an ass ault on my credit where i was an excellent customer with them.

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 12-10-2015 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I received a call at work from a process server stating he would be there that day to serve me. He gave me contact information to MidLand Funding since I had no idea what this debt was for. When I called them they said an online loan taken out in XXXX XXXX was due today in the amount of {$1500.00} or they were suing me for {$4900.00}. They also stated I could not make payments, and when I told them I never remembered taking this debt and asked if they had paperwork they said no, and called XXXX to " verify '' the debt even though all they did was verify my SSN and name was listed on a sold debt. When I asked why I had never been contacted about this before hand they said they did not send any notice because they were swamped with these cases and needed to try and get judgment on all of them so people 's tax returns could be taken in XXXX. I let him know I may be able to borrow money from someone but I did not remember this debt and would like some kind of paperwork. After I made it clear on XXXX XXXX that I could not pay the {$1500.00} today either way ( because I did n't have that much money right now and I could not verify this was my debt ) he was angry and said he did n't know what kind of proof I expected and I did n't have a days notice to pay I had over 3 years to pay! I informed him no one had contacted me about this from his office and he said they did n't have to because I breached a contract 3 years ago and I should have already known about it? The fact that he also said I would have my payroll garnished ( which is against KS state law when the debt is sold to a third party collector ), and that he was filing that I refused to pay with malicious intent and that I was going to lose before hanging up sealed the deal. All I wanted was some kind of information to verify this debt ( which he gave me some basic information i.e. when it was supposedly taken out, my SSN, bank account, and that several payments were made before it went bad ) but said there was no actual paperwork and I would have to go to my old bank and try to get the records to prove it. He asked if I expected them to have a video of me in front of a computer taking out this loan?! Anyone with access to XXXX paycheck stub would have had all of my information and anyone I ever wrote a check to at that time had my KS DL number!? All I wanted was some kind of information sent to me, maybe a listing of dates taken out and payments made to verify with my bank although I never remembered this or a chance to make payments and be called in advance, and I am threatened and talked to rudely instead.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: PHOENIX FINANCIAL SERVICES LLC has place a collection on my credit reports for {$29.00}. They refuse to Validate the debt by sending me a copy of the original statement for alleged services rendered by the original creditor. They say the debt was sold and the original records are not available.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I recently adjusted my homeowners and flood insurance coverages as the home that was previously my residence is now a rental. In both instances ( homeowner and flood ) the coverage is more than sufficient to pay off the lender. I received a letter from my lender ( Wells Fargo ) stating that I have 45 days to increase my flood coverage to replacement value of the property ( roughly double the amount of the outstanding balance on the loan. 
They state that this is their policy, and while I can not locate my original loan documents, Wells Fargo purchased this loan and I do not remember that requirement of replacement value in the loan documents that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: APR or interest rate

Complaint: never late with a payment - they just increased my interest rate on an existing loan, was not a new purchase. I no longer have the old paperwork

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 06/21/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 is an ongoing issue that I am having with Equifax. I am the victim of identity theft and I am disputing the hard pulls on my credit report that I did not authorized. There are 4 hard credit inquires on my credit report which I did not authorized, and these are fraudulent inquires. There are two inquires for XXXX date XXXX XXXX, XXXX, and XXXX XXXX. Also there is an inquiry for XXXX XXXX date XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX. These inquiries are fraudulent, and I did not authorized these inquiries. I disputes these items with Equifax and yet Equifax failed to properly investigate these fraudulent inquiries. Just as recent as XXXX/XXXX/XXXX I disputed these inquiries that are reporting on my Equifax credit report with Equifax and I was provided a dispute number XXXX, the next day XXXX/XXXX/XXXX I received and email form Equifax stating that their investigation is complete. Now you tell me how is it that these items were investigated in less than 24 hours. Prior to that date I disputed them and its the same issue going on. Now Equifax is suppose to completely investigate these and they have not done so. I want these item properly investigated and remove from my credit report because I did not authorized these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is closed. The bank no longer exists. I had a secured credit card with the company and they folded in the middle of the account. They took my money and I could n't contact them. I found them years later and disputed it. They sold the account information to capital bank which is also on my report and capital bank re-aged and opened accounts with no proof of contract or nothing. XXXX XXXX XXXX is no longer in business and legally if they are not how can they report on my credit report? I need a answer in writing or some kind of proof that says that is legal. They also kept {$200.00} and the {$50.00} or something to open the account. 
This is the XXXX complaint

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation