milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My mother opened this account without my permission using my social security number. When I called the collection agency the person I spoke with did not have my phone number on file he had a number I did not know and then said I owe the debt because it was my mother and replaced the fraudulent phone number that was on file with my phone number and I did not ask for this. I want my phone number removed because I do not owe this debt. This account was opened without my consent or knowledge. The person on the phone also said that it is true that anyone can open an account over the phone with someone 's social security without being fully identified and I think that is unfair and I should not owe this debt. My mother was also XXXX for identity theft and other similar charges and I stated that and the debt still was not removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CT).
Issue: Managing, opening, or closing account

Complaint: I am a customer of rush card and my account has been frozen for 7 days. I have not been able to access my funds which is causing Late fees, car repo, eviction from home..I am very dissatisfied and nervous about this situation I have young kids that I also can not provide for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....

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 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Just saw a XXXX charge on collections on my credit score have not been with them since a long time did not owe them anything. I paid everything before I left now its showing a {$240.00} charge. 
I have not received any letters

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (Medical) with RS Clark and Associates, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The office manager charged me {$35.00} for not canceling my appointment within 24 hours. I spoke to someone in the Doctors office the day prior to my appointment canceling the appointment. I had just lost my job - the person - who i believe was the office manager said ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Key 2 Recovery, Inc. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My XXXX credit card account : XXXX was lost/stolen. The balance of {$2500.00} is all fraudulent and unauthorized charges/transactions. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX/XXXX/2017.

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 01-01-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a XXXX customer back in 2015 and was sent a letter from the credit agencies telling me that there was a XXXX data breach at Equifax credit reporting agency. I sold my phone that I paid off to XXXX. I later cancelled my XXXX for slow Wi-Fi and trade my phone service in to XXXX. While frequenting XXXX online I was sent numerous login confirmation stating my phone device was logged in from a XXXX service provider. This occurred for the entire time I had the XXXX telephone number. During this time as I tried to login they requested that I upload my government i.d . Card or they would n't allow me access to the XXXX website and my account. I suspect fraudulent activity and possible i.d . theft by XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did not own a social security number in the date this medical bill was issue how they charge me something it does not belong to me for years and it is lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: WAMU was my servicer WAMU completed a recession due error of foreclosure while modification pending Chase has confirmed WAMU did have a modification pending with a few title issues that must be clear before modification would complete ( Chase has provided title report ) Chase became servicer when WAMU was shut down Chase has no record of noticing bankruptcy attorney of record as new servicer during bankruptcy, or any other filed documents in bankruptcy court Chase bankruptcy file pictures etc. is not my home XXXX XXXX XXXX XXXX - has no record of ever contacting bankruptcy attorney After responses from both parties raised more questions and research The Notary XXXX XXXX has confirmed only the Recession document to be valid The Trustee Deed Upon Sale as not being valid Documents are being forwarded to bankruptcy fraud, and other authorities - we as home owners do not want to be taken advantage of by entities we sign power to transfer assignments and or foreclose with trustee and notaries whom are to protect us

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened new checking account on XX/XX/XXXX, at which time institution was offering {$200.00} bonus for new accounts that were opened, had a {$300.00} direct deposit. Terms indicated that bonus would post within 60 days of account opening. However, 60 days has elapsed and no bonus has been given, although all terms have been met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Alliance Data Card Services (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe HSN money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company XXXX XXXX XXXX anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. XXXX is refusing to remove this information even with the documents that I have sent in.

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 06-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Account opening, closing, or management

Complaint: I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: My name is XXXX XXXX XXXX i would like to report that a company by the Name of XXXX has been over drafting my checking at my bank Wellsfargo. I do n't understand how they attain my information but it 's affecting my bank account with many over draft.I'ts no way to get it touch with their company and my ssi and social secruity at risk.That all the income i have and they ripping me off.And thank in advance for your support and help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.

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 08/16/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid 6 debts to amcol systems they refuse to report to the credit bureau that they are aid they want to wait 90 days and wo n't send me a receipt showing I paid them for 90 days each time I call they are very rude and argue with me and tell me it 's my problem and I will just ha e to wait

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a credit alert that a collection was placed in my credit report that I have no knowledge about. The collection agency or the medical provider never notified me about the medical bill of {$24.00}. 

I never received any notice regarding the medical bill. The collection agency said they got the collection in XX/XX/XXXX, but this is XX/XX/XXXX and they failed to notify me, allowing me the opportunity to dispute. I am asking that this collection agency remove the derogatory information from my credit report and follow the appropriate laws regarding consumer rights pertaining to medical debts. 

I have asked the physician office to send me the bill, because I never received any medical bills for {$24.00}, I surely would have satisfied this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: Still no complete explanation to my complaint. 
1. Never received a copy with my signature that I was informed that BB & T can steal money from one account and place it into a separate account. This request was made on three separate occasions and obviously denied. 
2. No explanation as to why I was lied to when I opened this account. I was promised that XXXX account is completely separate and my funds were safe from the XXXX account opened at the same time. This prove to be false and fraud. I am sure the conversation was recorded in the office through the numerous bank security cameras present. Had I been truthfully informed of my right I would have opened the second account in a different bank allowing me to purchase my medicine and pay my bills. 
3. I informed BB & T that I would not discuss this over the phone but only through a format that I can have a hard copy record of what was discussed. Despite this no call warning I am continually harassed by BB & T phone call several times a day.

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 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my XXXX loan is with Bay View loan servicing. They modified my loan under HAMP program. When i went to modify my XXXX loan with XXXX, I am told that Bay View Loan Servicing failed to file correct HAMP related paperwork with Treasury department. I do n't know what that means and Bayview is unwilling to work with me to correct this issue. My XXXX loan with XXXX is stuck. In the mean time, i am falling more and more and more behind on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company needed an account number in order to identify me for my last dispute. I did not have an account number due to me not having a validated account 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 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Debt Collector has placed a charge off onto my credit file and I have made several phone calls and message to this company and this company has not returned any of my phone calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (OK).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XX/XX/XXXX I wrote a check to XXXX XXXX for the amount of {$24.00} It was converted to an ACH. I had at the time in my account {$24.00} I thought at the time I had XXXX but I was wrong. There was a debit to my account I was not aware of until I received the notice of the returned check in my email.for {$14.00} I do not have overdraft on this account, ( and the check would not have cleared any way but it is important to note this as an oversight on my part and not a blatant move to de fraud a merchant ) the check was sent back, when I saw what had happened I called XXXX to find out what I needed to do, they told me I would have to contact XXXX, I called XXXX on XX/XX/XXXX at XXXX XXXX  Cenrtral time and the agent told me after searching for several minutes that she found the check and asked me if i wanted to pay it today I agreed she said it would be {$49.00} I agreed to pay it when she put the card number in the system she said the check was currently being sent back through and I could not pay it over the phone she then stated I would still need to pay the XXXX return check fee though. I argued and hung up today XX/XX/XXXX they have attempted to debit my account for XXXX on behalf of XXXX stores but I did not have that much in my account. 
I am asking if they can continue to attempt to debit my account without my authorization, and If I must pay a return check fee for a check that cleared upon re deposit?

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