milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with J J Marshall & Associates, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.

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 03/21/2017 about Payday loan () with ACE CASH EXPRESS, INC. (NJ).
Issue: Can't contact lender

Complaint: I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: Today we received a notice from bank of America that they are selling my mortgage to another company called   XXXX   XXXX   XXXX   XXXX  , taking place as of   XXXX   XXXX   2017, which the reviews on his company are terrible, they also say that this company just keep charging you late fees when in fact you are paying your mortgage on time. Can I stop this practice of Bank of America from selling my mortgage to his company? What can we do as consumers? We received this notice 13 days before this change taking place.

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 10-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: Bank of America ( BoA ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and " overdraft protection '' was applied from my savings, along with an " overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. BoA is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted BoA several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 I submitted Identity theft papers to XXXX consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XXXX/XXXX/2016 and the creditors XXXX XXXX and XXXX 's which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX and XXXX 's a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information XXXX 
When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Trouble during payment process

Complaint: I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection of a debt in someone elses name and violations of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked for validation, this account does not belong 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 explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: My niece, XXXX XXXX, is XXXX. I have been her financial guardian for four years. We have been working with her and with her XXXX to get her to the point where she is able to manage her own finances. Until such time as her XXXX signs off on the change to remove me as her financial guardian and transfer full responsibility to her, XXXX SSI and XXXX payments come to me. 

One payment is direct deposited onto a pre-paid debit card. We have had problems setting up her other payment as direct deposit. As such, I still receive a physical check for her every month. 

Every month, I take the check to my bank, Wells Fargo, and cash it. The money is then deposited into a separate account, currently at XXXX XXXX XXXX. 

On XX/XX/XXXX, I went to Wells Fargos XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to cash her check as usual. For the first time, Wells Fargo refused to cash the check, claiming I had the wrong type of account for this type of check, and that I would have to open a new account. I asked why I was not notified of the change in policy, I was told there was no change in policy, that this had always been Wells Fargos policy. When I said Wells Fargo had been cashing these checks for four years, the branch manager told me Wells Fargo had been violating the law for four years, that this specific type of account was required by law. I repeatedly asked for a written copy of this policy, Wells Fargo repeatedly refused, although they did show me something on a computer screen which they claimed was the policy. 

I asked if this type of account carried fees. Initially, the branch manager balked at answering my question, but eventually, reluctantly, admitted this type of account came with fees, but assured me the fees would be waived if we kept a {$1500.00} minimum balance in the account. 

{$1500.00} is nearly two months of XXXX/SSI payments ; it would be impossible to save that much money. Even if we did manage to save that amount, as the branch manager would have been well aware, the first time a deposit was made bringing the balance to {$2000.00}, under federal and California law, my niece would lose her XXXX/SSI payments. 

Wells Fargo is again ( still? ) trying to force customers into opening accounts they dont want. This particularly example indicates Wells Fargos attempt to take money from the XXXX under false pretenses.

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 09-11-2017 about Debt collection (Payday loan debt) with Central Portfolio Control Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company contacted my cell repeatedly. Since I did not answer, they attempted to contact my managers at my work on X/XX/17 at XXXX XXXX. I 've told XXXX XXXX that he is not allowed to call my work and he says are you going to call me back then?

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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Beginning in XX/XX/2016 I began the process of fixing errors present on my credit report with XXXX, XXXX, and Experian. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX, XXXX. 

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect. 
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX XXXX Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX, 10XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate. 
Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error. 
Creditor : XXXX XXXX XXXX/XXXX XXXX has deleted XXXX/XXXX Experian has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. 

Message on website after entering routing number : The payment information provided is invalid. Please try again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Hello, Inadvertently this complaint  (   XXXX  ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter.     They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over  XXXX  per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps.     My loan was    XXXX   XXXX   XXXX    but in   XXXX   XXXX   I requested a payment date change to the  XXXX  each month. I have paid my loan consistently with also receiving   XXXX   extensions but paid my loan each time NEVER LATE. In   XXXX   XXXX   I split my payment & STILL PAID within 30 days ... never late.     I clearly explained I would be paying my loan for the next couple of months past the  XXXX  but never later than 30 days.     I was told that was  XXXX  & I would receive " A '' call as a reminder. But I received  XXXX  calls plus per day for  XXXX  plus days. THIS IS HARRASSMENT.     Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the  XXXX  per call as settlement.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX/XXXX/XXXX - could not access https : //www.ai.equifax.com to dispute current and previous addresses

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple inquiries on my report all dated XXXX-18, inwhich I don't have any knowledge of, and according to the law of the FCRA if this is not met with tangible documentation then said accounts and/ or inquiries shall be removed.

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ABR Recovery Services LLC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted multiple times to have ABR Recovery Services quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. 
I have supplied this documentation to ABR Recovery Services and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, XXXX and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " XXXX ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Using a debit or ATM card

Complaint: This is a complaint against USAA for a combination of the company 's epic incompetence and deceptive business practices resulting in the improper denial of access to my accounts. Consequently, I seek your assistance in bringing an investigation against the company for a potential enforcement action. 

[ See attached letter for details. ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: HillCrest Davidson and associates collecting a debt I had no knowledge of owing as I was on autopay and I was told by the company XXXX rep and installer that it was all transferable to a new owner as I was selling my home and wanted to be sure it was transferrable I was told yes. I also purchased the equipment, so it was about the service and not equipment. So sing his paper to get I thought installed equipment. I set up auto pay through my bank a few months later I sold my home, and the new owner took over and transferred it to his name and the service as the equipment was paid in full. Now I 'm getting the story that I sign a contract and must pay for 5yrs of service, and the reason it was in collections was for failure to pay. Since I was on auto pay that was impossible, they stopped processing the payment as I never stopped auto pay and I was told it was all taken care of and I had to do nothing about transferring it to the new owner that it now is in new owner name. I talked at length with the XXXX and was being assisted by XXXX XXXX XXXX to work this out the number was XXXX I talked to XXXX at extension XXXX and her email was XXXXXXXXXXXX I received a message a 2 days ago but lost the number to call back that there was nothing to be done since I signed a contract for service. Not only are they getting 5yrs of service they are not providing me. Where I live has alarm service through the apartment, but Protect Your Home are also getting paid by the new owner of my old home. This home I sold was in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have also asked since I was paying for the service I might as well get use of it but they refuse because it is in the collection and I would have to get new service. I have alarm service provided by my apartment, and they are also going over to XXXX, so I had no use for the service. When asked how it got in collections I was told it was the failure to pay, that is not the case, they Protect Your Home stopped billing my checking account because it was in fact transferred to the new owner and he has been paying it. This Collection Company Hillcrest Davison and Associates has been calling me non-stop even while trying to get answers from XXXX They have yelled at me in ruff drill sergeant voice talking over me and calling more that once a day. I feel XXXX has been deceptive and I was never informed of this from XXXX or Protect your home prior to collections and I never stop paying but they must have stop billing monthly my checking account. Which I assumed was because the new owner did, in fact, take over the account as I was told would happen. I even called to confirm that the transfer had happened and was told by XXXX all was transferred and the new owner had it in his name.

Company response to consumer: Closed with explanation