milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2018 about Debt collection (Medical debt) with Harris & Harris, Ltd. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt because it was to be submitted to my insurance properly. They are not submitting properly. I gave them both my insurance information and they did not submit it to my secondary insurance. I called and gave it to the hospital and they never saved it. I called to ask them why they sent it to collections and they said they didn't have my secondary insurance on file, even though I had already given them all the information. I was wrongfully sent to collections. I talked to the debt collector telling them I do not owe this debt and it was wrongfully sent to them. They took my insurance information and said they would rebill it. I contacted my insurance and they are not getting the bills sent to them and they are just putting me in collections instead of properly submitting the bills. I do not owe this. It is not being handled and I do not owe this debt and due to improper handling of this account I was wrongfully placed into collections because I was told it was ok and the hospital would send it correctly to my secondary but didn't and just sent it to collections instead. This is not accurate billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified letter to XXXX XXXX on XXXX XXXX, XXXX to verify a debt they are reporting on my credit report. All they sent me was a letter and an old telephone bill. They did not send any of the requested information in the letter. I also sent this information to XXXX, XXXX and XXXX. They all stated the collection was verified, but did not state how it was verified or what information was used.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, 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 monetary relief
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with MNE Services, Inc (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rodenburg LLP (ND).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 've notified this company in writing of my XXXX status which exempts me from collection attempts yet I 'm still receiving calls and Mail regarding this closed account with XXXX XXXX bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a settlement agreement with  XXXX   XXXX  #  XXXX ,  ( A Capital One account #    XXXX  ) I paid my debt and have cancel checks, and numerous of times since  XXXX    XXXX   have call them to tell them to remove the outstanding balance from credit report because it shows outstanding. as of today they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a personal CC through MBNA since XXXX of XXXX that eventually became part of Bank of America. Although I rarely used it, it was something I had for so many years that I paid {$1.00} each month just to keep some activity going on the card. After becoming debt free, I did n't need to use a card but it was nice to have in case of emergency. 

Around XXXX XXXX, I realized that my {$1.00} overpayments were adding up and decided to charge less than the total credit on the account for overpayment of around {$50.00} in order to use it up. 

Until that point, BOA happily posted my {$1.00} credit to my account each month. 

Once I made charges totaling {$42.00}, they did not use the available credit on the account to pay it off and when I called them, the agent/representative said that they had recently sent a check for the overpayment to me, and because of that the payment would need to come from elsewhere. 

I 've never cashed or deposited a check from BOA for the overpayment ( an easy thing to check with their accounting department ). 

I called them back to challenge being sent a check and that the balance on the account ( which was in good standing ) of around {$50.00} was greater than the amount owed of {$42.00}. 

Two things are interesting to me.

1. As long as I was paying {$1.00} per month they were happy to take the payment and allow it to grow to approximately {$50.00}. 

2. As soon as I charged {$42.00} to use up that credit suddenly there is a " recently sent '' check for the overpayment credit and that the balance on the account could not be use to pay-off the charges. 

BOA closed the account in XXXX of XXXX and charged off the {$42.00}. 

I 'm out of the money that was in the account as an overpayment and also negatively impacted by BOA closing the account.

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 04/13/2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Received a loan I didn't apply for

Complaint: I keep getting emails saying I owe money over XXXX ive neber taken out a loan

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with College Ave Student Loan Servicing, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest

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 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX. 

Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I received a call from a women claiming to be reporting fraud. She goes on to say that someone has opened a credit card under my name and social. I respond with " I have n't applied for any credit cards for citi bank ''. She goes on to say that she need to verify my social number or go to their web site that I cant recall. I told her " I will not give you my social ''. She then say to go to the website she provided and call for myselft with  XXXX  as a reference number.   I disregarded the website she gave me and went directly to citi banks website, and as I expected there was no trace of anyone trying to open a credit card under my name or social. The scammer was calling from a  XXXX   XXXX  area code and the number is  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 explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently reviewed my credit report and say that Commonwealth Financial Systems is negatively reporting a debt that was previously removed by the credit bureaus for the past year. Now Common Wealth Financial Systems is reporting the {$200.00} debt again stating that it was just opened on XXXX XXXX, 2017. This is a common illegal practice of to try to re-age old or removed debts and I have become their victim again. I was not properly notified by mail five days before Commonwealth Financial Systems about the debt before reinserting this onto my credit report and I would like it removed immediately. My XXXX credit score has been drastically reduced because of their ill practices and its all because Commonwealth Finanical Systems is practicing unjust collection attempts. This is not fair that I have had to send countless of letters to the bureaus and even recently to remove this erroneous dent and I decided to use my consumers rights and ask for the assistance of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter.

Company public response: Company chooses not to provide a public response
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 CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital one is reporting as factoring for an account sent to collections. It also has incorrect payment history. The account was opened on XX/XX/XXXX the last payment on the account was on XX/XX/XXXX. XXXX is reporting the last payment date of XX/XX/XXXX which is inaccurate. Additionally, the charge off has been reported in XX/XX/XXXX which is inaccurate and intended to re-age! Previous reports prove the Charge off occurred in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous calls, advised amount owed is incorrect, rep then said that was n't true, I 've been disputing debt and I will pay or they will continue to report inaccurate info on my credit. Rep very rude, I read script to not call then received call from another number of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with Quick Debt Services LLC (GA).
Issue: Struggling to pay mortgage

Complaint: Received a call from XXXX XXXX XXXX Stated his company name and that he could process paperwork for getting my mortgage modified. It takes approximately 90 days. Once the processor has been notified of modification they can not ask for a payment therefore, rather than send my mortgage payment to the servicecer I would send the payment to XXXX XXXX the amount that I would be paying on my mortgage. When the modification is granted I will then get reimbursed for the 3 payments made to XXXX XXXX. That is how they are paid. XXXX then told me my processor 's name is XXXX XXXX XXXX. 
File to big to attach. Only attached documents to be returned with checks

Company response to consumer: Untimely response
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from XXXX & XXXX, XXXX. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXX XXXX, XXXX to collect a debt I owe, {$1800.00} to Citibank, N.A.. To the best of my recollection I do not owe anything to Citibank . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to Citibank but I do believe that something smells rotten here. Please help, thank you.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, along with the information of 209,000 others, putting us all at risk. 

I am a potential victim according to equifaxsecurity2017.com, and would like a resolution to this matter. 

I have had to place a freeze on all of my credit accounts, which has caused much inconvenience and worry.

Company response to consumer: Closed with explanation