milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Debt collection (Federal student loan debt) with EOS Holdings, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect/missing disclosures or info

Complaint: I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I received a loan for {$17000.00} (? ) to buy a  XXXX   XXXX   XXXX . The original price without tax was {$14000.00}. I put {$1500.00} down. Now I 've been paying  Ally Financial s ince   XXXX   XXXX   XXXX   So that ' s  8  months o f payment at {$340.00} a month, which totals up to {$2800.00}. Why is it the I still owe {$16000.00}? I would like for you to contact Ally, and have them explain to your agency where the  XXXX  went to. Also, is  n't 11.50 per c ent interest illegal? Please write or e-mail me back about this.     Thank You,  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 explanation
Consumer complaint received 03-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: I had identify theft back in 2007 a citibank account was opened for me through my first job. The day before i got paid i lost my wallet with my information in there..i made a report about it to citibank but have n't gotten no help..then i opened a XXXX account so i can get my paycheck deposit there..but i guess the person that had my information from previous situation had gotten a hold of that account..and opened numerous bank accounts in my name and this destroy my credit to the point I ca n't open no bank accounts..i read online it takes 7 years to renew or able to open another bank account its been 10 years with my situation and i still ca n't open a bank account please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I have reason to believe and the Bank of America manager near me can prove that someone within BOA is stealing from 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 05/13/2015 about Mortgage (Other mortgage) with U.S. BANCORP (NJ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: USAA bank WILL restrict its members access to accounts if they owe money to them for ANYTHING- NSF fees, overdrawn accounts, credit cards and loans. They will completely empty your account and leave you with NO money even if ALL of your money comes soely from XXXX ( VA and social security ) BE VERY CAREFUL when dealing with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX a relative of mine opened an account in my name for XXXX XXXX in XXXX and at the time i was staying in another state so didnt know until i started getting letters in the mail from a collection agency which was CCI. I stayed they a while before but moved back to the state i was staying in. The account was opened in XXXX at the time i was staying in XXXX. I called CCI on XX/XX/XXXX which is the collection agency the debt was sold to and i told them that it was a fraudulent account and i had sent in my lease from then and also my police report stating i had identity theft and he didnt understand how it came back as its a validated account. He seen the address where the services were started and also had a wrong address on file for where i stayed which was XXXX, XXXX and ive never lived in that city. Like i stated i stayed in another state. It was a family member who got the account and i dont want to press charges but i got the police report stating it was identity theft. The man insisted that i make a payment on this fraudulent account and i refused to do anything else further including letting me speak to someone of higher authority.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date 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 monetary relief
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

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 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was a part of the Equifax breach three months ago.
I was not notified for three months, and I have not been informed about exactly WHAT information was compromised.
I am deeply disturbed not only be the fact that they allowed this breach to take place but that they waited three months to notify impacted individuals about the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband and I consolidated our student loans and went into default again. He has a garnishment on his wages that total {$190.00} per week. I called Pipneer Recovery to see what we can do to get out of this debt quicker. The woman told me we could pay {$540.00} per month MORE and we would be out in 25 years. That is {$1400.00} per month. I want to know my interest rate and she could not provide me that information. I asked her if we left the garnishment to pay the loan off when would it be paid? She said it would never be paid off. 
Is this true? It is financially hurting to have that much taken out of his check to learn he will never pay it off. Help please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Closing/Cancelling account

Complaint: For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed, but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs, that have been somewhat helpful, but have never brought my account current. After the last stint at short term hardship, I spoke to an account rep who was surprised that I was never offered a long term plan. I told her, it was never available to me, per their parameters. I asked her if my account was closed, she confirmed it was, I then asked why they are trying to charge me more that the Washington State limit of 12 %, she did not have an answer. I want to pay off my account, but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do, besides filing for bankruptcy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have applied for a mortgage refinance. My credit scores on XXXX and XXXX are excellent in the mid XXXX 's. There is a credit freeze on the Equifax system. So far I have been unable to have this removed as they either will not or can not send me some XXXX digit code. I 've written to them, sent the money and have scanned all their on line info. All their phones are automated. Today I received an automated message advising I had no credit file. I need the freeze released permanently as my rate lock will expire. I have been working on this issue since XX/XX/XXXX. Thank you for your assistance.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am affected by the Equifax security breach that occurred around X/X/17. No fraudulent activity has happened on my account, but I did receive an alert through " equifaxsecurity2017.com '' that I may have had my information leaked. I am sure many others are filing this report, but I just wanted to have something in writing for reference in case my identity is stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Other mortgage) with First Direct Lending, LLC (GA).
Issue: Application, originator, mortgage broker

Complaint: I have received several letters from these people that, to the untrained eye, appear to be official documentation from my county. It even says " The Peach State Georgia '' in the top left corner and from " Accounting '' on the front page. I have called them and requested to be taken off whatever mailing list these scam artists have me on and they told me they would n't do it. I am reaching out to you in order to put these scam XXXX in the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently tried to cash my paycheck at XXXX like ive done every payday for several years now. This time however certegy would n't let me cash it. I called them and they said there is a bounced check from XX/XX/XXXX at holiday a check to XXXX XXXX  from XX/XX/XXXX and 2 checks from XXXX in XX/XX/XXXX. These were never on my report until recently had ive never had an issue cashing my paychecks before. I didnt write any of these checks so I dispute them. However they said it will be 30 days until anything is removed and in the meantime I ca n't cash any of paychecks and ca n't pay my bills. Because they messed up

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: " XXXX is the only official site explicitly directed by Federal law... '' XXXX XXXX XXXX sent me a FALSE ( if not fraudulent ) copy of my Equifax Credit Report today XXXX XXXX, 2017.
According to the representation of XXXX, my Equifax Credit Report says my Debt-to-Credit Ratio on my mortgage is 89 %.
I contacted Equifax. Equifax. The agent states that they do not have such a ratio figure in their system, that they do not have information on my " credit limit '' on my mortgage, and therefore they CAN NOT and COULD NOT report such a Ratio to XXXX. ( My mortgager says the ratio is 21.5 % ) Equifax has sent me an official Credit Report to prove to my satisfaction that such a figure was not and COULD NOT be computed from the data they provided to XXXX.
Because I was sent a credit report under Equifax 's letterhead, I have to believe that XXXX data may be fraudulently representing Equifax data.
( FYI- it took 49 minutes to reach an Equifax agent by phone )

Company response to consumer: Closed with explanation