milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid by my insurance company after an auto accident

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Applying for credit to buy a newer auto just this past Friday, the credit union rep on the other side of the desk told me everything was good except for a tax lien showing on my credit report. I immediately went to my county courthouse to investigate this item to find that this tax lien had been released and got XXXX copies of the XXXX pages before saying several thank yous. XXXX copy went back to my credit union rep and came home to scan the pages onto my computer to be attached to this dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX all non-account holding inquires such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Debt collection (Other debt) with North Shore Agency, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Sometime ago, long enough that I ca n't remember, I had signed up for an online subscription to "   XXXX   XXXX   '' magazine, not so much that I felt it was worth the money but more as a donation to support their efforts to present an alternative channel to mainstream media. I believe, the amount I paid was something like {$9.00} for a six month subscription. After a few weeks and reading some of their work, I decided not to renew my subscription after it was to expire a few months later and I cancelled it online. Even though I cancelled, I noticed that they kept sending me emails as if I was still subscribed. I responded indicating that I wish to cancel and they should stop this insensitive harassment. Then I received a paper mail at my home asking for money to renew the subscription. I replied in kind, with paper mail, that I wish to cancel my subscription and I did everything they made available to do so already. They should cancel and leave me alone. Now after many months, perhaps a few years, I get a letter from the  North Shore Agency c ollection service to pay them {$39.00} to settle payments to   XXXX   XXXX  . Given the long delay between my settlement of the issue with The Nation, I am now suspecting either   XXXX   XXXX   sold my personal address information to an unscrupulous " collection '' agency or they have developed their own means of intercepting such data and harassing consumers with modest amounts of payments hoping at least part of them will just pay rather than challenging their fraudulent attempts.

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 08-10-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I made a purchas e with Macy's.com in  middle  XXXX . They not only put an initial authorization hold on my chceckong account ( debit card ) for {$370.00} but they did that a second time and then charged my account when each portion of the order shipped out. I filed a complaint with the Ohio attorney general and the Executives offices called me and offered to refund 50 % of my order after having a sim of {$1000.00} on hold that I had not authorized in my account for approximately 14 days. I was advised that they would be sending me out a gift card for the initial purchase, as I returned most of the stuff on the order. I called today and found that there is still a {$370.00} authorization hold on my debit card and they are refusing to send out the card because the rep did not notate the account properly when they promised me the card. This same situation happened to me in  XXXX . I no longer have documentation however the Ohio attorney general does.     I want them sanctioned, and I want what was promised to me as well as the hold removed from my debit card. This has been going on  for 9 weeks and they still have not fixed the problem but heir Compliance person the responded to the complaint lied to the  Attorney General.

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 04-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Bank of America 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On Sunday XXXX XXXX 2017 I walked into a TD Bank in XXXX N.J. to deposit a check that I was suspicious about its authenticity.The funds were sent to me by someone posing to buy something from me online and I was sent the movers money as well to pass on. I informed the teller that I was suspicious about the check and wanted to know when I can be sure the check was authentic before using the funds. The teller informed me that the check will take 2 days to clear and by Tuesday I should check to see if its still pending. Once the check is n't pending and the funds have been added to the account I can be sure the check was legit and cleared. I deposited part of the check and cashed the remainder and waited till Tuesday to use the funds.On Tuesday morning I checked and the check was no longer pending and the funds were safely in my account. I took the funds and sent them to the supposed mover. On Wednesday, I see that the amount for the check had been taken out of my account. Upon contacting the bank I was informed that the check had insufficient funds and the bank took out money from my account in the amount of the check.Basically I had been scammed.
I was shocked as I had suspected this may have been the case and deliberately asked the bank how to proceed.I followed the exact instructions given to me by the bank. The bank refuses to take any responsibility and insists that its my issue. How can I protect my own money when the bank helps the scammers and could care less about their own costumers? How was I to know not to trust the bank teller? How come there 's no laws protecting consumers from the banks mistakes?
I went back to the bank and videoed myself asking the bank teller the question again.I asked the question to 3 different tellers, receiving the identical answer. They assured me I have nothing to worry about once the check clears and funds have been permanently added to the account. I tried to enclose the video below, however the size was too big to upload. I 'm going to attempt to post it online wherever possible, in an attempt for the truth to get out, if there 's still someone left with some sort of honest conscious, someone who realizes there 's more to life than getting away with someone else 's money.
Its frightening to see how little the bank cares about you, the very institution who you trust your money with and is supposed to be helping you.Its 2017, and our country has laws protecting animals, plants, and ancient buildings, but cant get they 're act together to help people being bullied and taken advantage of by financial institutions. And lastly, its sad to see how when the bank helps lose your money, no one gives a XXXX, but if the bank loses a dime, they 'll turn the world over. Its time for either a class action lawsuit or a politician that actually cares to make noise and put an end to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a phone call from a XXXX XXXX at Rent Recovery Solutions on XXXX XXXX, 2015. They claimed that I owed their client XXXX XXXX XXXX XXXX apartments in XXXX, AL XXXX {$50.00} from over a year ago and that this unpaid balance had gone into collection. I explained to XXXX XXXX that I paid this balance when I moved out. I also faxed Rent Recovery Solutions a credit card statement proving that I paid this balance to the XXXX. I called XXXX XXXX back after sending the fax and she said she would take a look at it and contact the XXXX. She said that she would contact me again if there were any problems or if any other information was needed from me. I made it very clear to her that this debt is false and that I DO NOT want this on my credit report. I made it very clear to her to CALL ME if this error was not resolved. I never received a phone call back so I assumed this was taken care of. Well I just checked my credit report today ( XXXX XXXX, 2015 ) and of course this collection is now on my credit reports, drastically reducing my scores. I have called Rent Recovery and keep getting sent to voice mails and transferred around. They KNOWINGLY reported this FALSE debt on my report, even after I sent them information proving it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Southern Oregon Credit Service, Inc. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have had XXXX accounts with Southern Oregon Credit Service for a few years now. The debt collectors have now attempted for the XXXX time to garnish my wages. XXXX accounts have been paid off with them. The XXXX times, I called SOCS to make the delinquent accounts right with them. Each time they have worked with me to fix the problem. This XXXX time was different, I will admit that I did not return their call. however I have never returned their phone calls. I send in my payment of XXXX each month. XXXX is the collector I last talked to who told me that they sent back my XX/XX/2015 Check because my account was expired and that I cannot just send in money and expect them to accept it. I told her this is the arrangement that was made with them. She said they refused the check and sent it back to me. I have yet to receive the check. Today XX/XX/2015 I received the garnishment papers as well as a letter from their attorney that was written on XX/XX/2015 but post marked on XX/XX/2015 The letter states that I have XXXX days to dispute the validity of the account. This leaves me with a week to make any arrangements with them. However When I called to make the necessary arrangements, they refused to help me and told me that the garnishment would stay in place. I need to know what I can do to fight this. I feel that even though I did not make contact they are still contradicting themselves. Their attorney is telling me that I can make payment arrangements but XXXX has refused to help me with anything, as well as refused my monthly checks. I have spoken with my bank institute who has confirmed that my XX/XX/2015 check was in fact cashed and processed.  Is there anything that I can do to fight this Garnishment? This will be processed as of next week. I can use all the help I can get. Legally isn't their something against refusing payments on accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Application processing delay

Complaint: In XX/XX/XXXX, I received, in the mail, an application from American Express for their credit card. On XX/XX/XXXX, I received an email stating AMEX was unable to approve my request due to my credit freeze on my credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and provided AMEX with my PIN and the agent informed me that she was successful in " unfreezing '' my credit file. The agent informed me that everything looks good and that I would receive a call back within XXXX hours regarding approval or status of my application. No phone call was ever received. On XX/XX/XXXX, I received duplicate letters from AMEX stating they could not access my frozen credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and was informed by AMEX that they in fact have my PIN, was able to access my credit file and apologized for the confusion on AMEX 's behalf. I was assured that I would receive a decision in 5 working days or on or before XX/XX/XXXX. To date, ( XX/XX/XXXX ), I have not received anything from AMEX regarding their decision. I would call AMEX a XXXX time and provide my PIN but I am reluctant because I sense evasiveness and a lack of transparency from AMEX. I had no choice but to contact CFPB and attempt to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: Dear XXXX XXXX XXXX Experian, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX XXXX XXXX reported service of XXXX 2017. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, 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