milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are getting repeated calls, about every other day, from Diversified Consultants, a Florida debt collection agency, using shadow numbers with XXXX XXXX XXXX CA origin. They do not leave messages, but just keep calling. One call was late at night. We do not have any debts and this is obviously a scam, but no amount of call blocking seems to be effective, as they just use another shadow number all of which come up as " Unknown '' on caller ID, with a XXXX area code.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection company, XXXX XXXX, reported an account to the credit agency 's, XXXX XXXX and XXXX, on XXXX XXXX that an amount of {$440.00} was owed, but was paid and satisfied from XXXX XXXX I disputed this account with the credit agency stating that this account is not mine nor was I an authorize user on it. I do however have 4 XXXX XXXX accounts that have been in good standing for years now. The credit card account number that is being reported is not connected to any of of my current accounts., but for some reason when they last updated their information XXXX XXXX, XXXX, they did not verify it properly. I contacted the company and requested documentation proving this account belong to me, along with the information of how the account was paid off, but as of today, I still have not received it. Furthermore, I contacted XXXX XXXX, and they said this account number, last four digits, was never associated to me or any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I reconciled my checking account XXXX XXXX, XXXX and found {$520.00} missing from my checking account for XXXX and {$0.00} missing from my XXXX reconciliation. I opened my account XXXX XXXX. I explained to Capital One employee 's XXXX XXXX, XXXX at a branch and spoke to their customer service on the phone. And explained to them that they need to find and put the missing funds immediately into my personal checking account. They have refused to do so. 

They refused to provide me with an email address, fax number or mailing address to send them my reconciliation findings when I spoke with them over the telephone. I explained to them they are committing embezzlement, strong arm robbery of my funds. I went online and found the fax number off their website and faxed the attached documents to them XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Over the course of three months, I discovered I had {$14000.00} worth of fraudulent charges on my debit card. I notified Bank of America and they refuse to cover it. I had been seeing a woman during this time and it turns out that she was the one who was running up my debit card. I have filed a police report, submitted time sheets that prove that I was at work when some of these charges were made, and I even submitted a transcript of text messages between her and I where she admits that she was the one who charged up my cards. Bank of America has covered {$3800.00}, but wont cover the other {$10000.00} ( not including international fees ) and wo n't explain to my why they covered part of it but not the rest. I have made multiple phone calls ( at least 25 or more ) into the bank, and requested on every single call that I speak to an 'investigator ' ( the decision makers when it comes to fraud ) and have never once gotten a call. But when I speak to the fraud department, I have been told everything from they wont cover it because the charges were made from my IP address ( i would let her stay at my house when I went to work, I keep all of my debit and credit cards as well as all my passwords in a drawer at my desk in my home office ) to one rep telling me that because I let her stay at my house without anyone there, I was technically giving her permission to use my card-I NEVER gave permission, to one rep telling my that yeah the bank should cover it but it was n't up to him or his department. These are multiple charges that happened over the course of three months to place like XXXX. I cant even read the merchants name. Yet BofA tells me that their security team called or someone called in to justify these charges. my neighbor tells me that this woman had visitors while I was at work. But Bank of America NEVER called me to ask about any of this. They just refused to fight on my behalf even though I have submitted paperwork proving I did not authorize these charges. What I do n't understand and what they refuse to explain to me is why they covered some of the charges and not the others? They were all fraudulently charged without my permission!

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 07-07-2017 about Debt collection (I do not know) with D&A Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: sent out a letter and just got a bill no proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Mortgage) with Ditech Financial LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Settlement process and costs

Complaint: Dear XXXXQuality Loan ServicingI appreciate your time in resolving title challenges. Your response XX/XX/XXXX raises more questions. 
XXXX has confirmed by letter the servicing was scheduled the last quarter of XX/XX/XXXX only - not XX/XX/XXXX. 
Therefore who ordered foreclosure XX/XX/XXXX - provide documentsMy bankruptcy attorney was not noticed at no time by Quality Loan Servicing XX/XX/XXXX-XX/XX/XXXXI am waiting for response from appropriate parties- Quality Loan Servicing was not obligated to notice bankruptcy attorney or bankruptcy about moving forward with XX/XX/XXXX foreclosure. 
There was a modification pending with XXXXTo date the XXXX XX/XX/XXXX is void- no record foundThe debt was reaffirmed in bankruptcy and provided to XXXXQuality Loan Servicing would you provide any communication to or fromXXXX XXXX ( to QLS ) Bankruptcy attorney XXXX ( from QLS ) Bankruptcy trustee XXXX ( from QLS ) Or any other documents connecting XXXX to QLS after XXXX was taken over by FDIC in XXXX XXXXIt appears there is a violation of the bankruptcy stay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have requested the inquiries listed below be deleted the company ( XXXX agrees that inquiries are invalid and stated they would sent request to all XXXX credit buereas. XXXX has removed but transunion is refusing stating i have to authorize them to delete. Well here is my authorization please remove inaccurate information immediatley. <P/><P/>XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 10/16/2017 about Debt collection (I do not know) with Altisource Portfolio Solutions, S.à r.l. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.

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 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi i am trying to get some help in reaching out to Midland Funding. I discover they had placed an account on my credit and i really do n't know what the account is for. I have tried to contact them for the past several months by mail, so i could have a record of the communication- its no use no one has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
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 applied for a job onXXXX and a man named XXXX XXXX sent me a check byXXXX XXXX  for {$1900.00} which was {$1600.00} over the amount I was supposed to get. He asked me to forward the rest to XXXX XXXX at Bank of America. I had deposited the check into my BOA checking account XXXX and transferred {$1600.00} to BOA account # XXXX. I thought the bank would not release the funds to me until it had cleared. They would n't release any information about the BOA account I sent the money to.

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 03/30/2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Good evening XXXX.XXXX, I understand your position, I have made payments to the citi prestige card ending in XXXX. 
I recently sent over documentation other than the stop payment order I issued on XXXX XXXX, XXXX. When I noticed that the payment was not received by citibank issued the stop payment to protect my account information I attempted to contact you via telephone yesterday and today both attempts were unsuccessful.I have attached via email and fax canceled checks indicating I paid double the minimum amount due for the prestige account I thought that by paying the current month and following month would keep the account current.I was not aware the account had gone past due I never received any contact from Citibank regarding any of my accounts when you stated my citi simplicity card ending in XXXX was past due I immediately made payment on the account. In addition, i would like to add that if I had received a statement indicating the balance and the amount owed for the citi simplicity card ending in XXXX. I would have made payment on time I have impeccable credit as you may have known to qualify for the citi prestige card you must have excellent credit. To my knowledge, Citibank had failed to inform by mail or telephone about my account status I have been with Citi for over 20 years XXXX.XXXX only when you informed me that my account ending in XXXX was past due was the only information that was sent to me stating the past due status.I will contact using the telephone you provided to give you more information to receive a better resolution than before. I am very thankful for your help in this situation. Hopefully, with the new information, i have provided will overturn your initial decision. 




Highest Regards, XXXX XXXX XXXX Contact information Home # XXXX Cell XXXX Email XXXXXXXXXXXX

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