milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Transaction issue

Complaint: When a payment is made to my credit card, whether it 's done via an electronic transfer or from a check, the creditor holds my payment from my available balance for 5-10 days. In other words, if I make a payment to my credit card my money is deducted from my checking account almost immediately but it 's not credited to the card 's " available credit '' amount for a week. My creditor floats my payment and earns interest off my balance instead of applying my payment timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I see that there is XXXX credit # XXXX appearing in my credit report which I do n't own. I contacted XXXX today ( @ XXXX XXXX XXXX ) and they say since the account is already closed they cant help .Since XXXX 2016 ( when I first checked my credit report ) I have been contacting XXXX and they never responded properly. In XXXX I contacted them and they asked me to mail the dispute to address XXXX, XXXX XXXX, SD - XXXX and it may take some time to respond .I did so. But in reality till now I never got any response from them. I contacted Transunion twice ( recent dispute raised on XXXX/XXXX/2016 ) and their investigation is still reporting the same details. Since I do n't own this card, I want the details about this card not to appear in my credit report and restore my credit score to a good score. Please help me with justice. My credit score is getting hit with this fraud.

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 08/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am writing to you because Bank of America for the past 24 hours, actually more than that, has denied me access to my account. I have called and been transferred and/or given a different number to call 10 TIMES!!!!! No one can tell me why the account was frozen and even more shocking no one has unfroze the account. 

That is stealing, that is theft, I believe that the legal terms would be robbery, fraud and the list goes on. I work hard for my money, and I am here 24 hours without access to MY money and no reason as to why! When I asked about compensation for the stress caused and time taken away from me without an apparent reason as to why I was told that Bank of America does not compensate for mistakes. I have recordings if you would like them. 

I recorded all the calls with the poor customer service displayed by BOA. I went to the branch location on XXXX and XXXX in California and that sad excuse of a manager XXXX, had me waiting for half an hour and left through the back! 

At this point I just want my money and compensation and I 'll leave the bank. I have been a loyal customer for 20 years and this is the treatment I get.

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 03/18/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. 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 monetary relief
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted a complaint thru CFPB regarding a fraudulent account Capital One is trying to collect on. The stated they verified it was mine sent me a bunch of bills could not supply me with a credit application with my signature or anything because it was submitted through the internet by someone who stole my identity. all they could supply was copies of the bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I continuously receive calls from a companies ( the name and number change each time ) with the scam stating that I owe a debt and they 're filling charges with the courts for felony check fraud if I do n't pay them money. They call my work, my husband, my family, my mother-in-law, my husband 's ex-wife and others. I told them not to call my work or anyone else and to serve or send me with papers verifying the debt. They wo n't even tell me what the debt is. That is why I know it 's a scam ... That and the fact that this has been happening for years now and still have not ever received any verification. I 'm tired of being harassed. 

The latest call to my mother-in-law was from a place called Bronstein XXXX XXXX from XXXX. My husband received a voicemail from an unknown number to call back at XXXX. The guy said that court papers were being delivered to my work and home for failure to comply. He did not mention his name or the company 's name. My husband saved the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is from Cheveron Visa. I do n't owe them anything.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Bankruptcy

Complaint: Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I 'm writing to find out about the lawsuit against Freedom Acceptance. I am a veteran who was apparently sued in Virginia by Freedom Acceptance. I was the co-signer on an account for my ex-husband, but since they could not contact him, they froze my bank accounts until I made payment arrangements with them. I am still paying a debt that is n't mine. I just want to know if there is anything that I can do to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Grant & Weber (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a victim of ID Theft. I have dealt with the company in the past. I had checked my credit report and notice I had a debt in the amount of {$6000.00}. I contacted the company immediately by calling and also writing a letter asking them to validate the debt. They have failed to comply with FDCP and I want this remove from all XXXX of my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best 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 07/25/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted this company last year after finding their trade line on my credit report, They told me then it was invalid when I asked for verification. They said they would remove it, yet it still sits on my report and now they are calling me and harassing me about it. 

The trade line shows a date of XX/XX/XXXX for a XXXX store. I 'd like to know when and how such a debt came into being considering I 've never had a credit account with them and still buy from them all the time and they have never said anything to me about any alleged debt. 

Furthermore, I disputed this alleged debt with the credit bureaus and this company is still calling me. No verification on their part, still. 

My next move will be to pursue legal action against this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had difficulty using my online app to make a payment. As a result I had to reset my password and then make a payment. I was later assessed a late payment fee of {$25.00} because I had missed the bank 's cut-off time of XXXX XXXX by 3 minutes. Even though the bank was able to immediately debit my checking account and received payment on the day I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (PA).
Issue: Managing the loan or lease

Complaint: Lender required last 4 of SSN for identification and has no alternate method for account owner authentication. SSN is never to be used for identification.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Settlement process and costs

Complaint: I have been trying to get my mortgage service r to explain to me for 9 months why i owe more money then was agreed to when i modified the mortgage. They have hit me with force-placed insurance multiple times totaling XXXX even after i have shown them time and time again that i have insurance policy with my Home owners association. They keep saying they never got the policy that i sent them. They have also hit with Attorney fees as recent as XX/XX/XXXX. The total i owe them for differed interest is listed on the attachment i am sending you with this complaint. XXXX. This is the agreed terms of the modification. They are claiming i owe them XXXX. In addition to that they want {$2600.00} for the force-placed insurance. Now they have sent me letters that they have sold the mortgage again. I have reason to believe they are doing this to complicate matters further.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Student loan (Federal student loan servicing) with Todd, Bremer & Lawson, Inc. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was attending  XXXX  University and I had to drop out out of school due to my mother having  XXXX . Because I dropped out  XXXX  University sent me to a loan collection agency which I did n't understand because it usually just goes to my Federal Loan account with all the other loans I 've taken out. I made a few  XXXX  dollars payments to  XXXX  but I 'm assuming that was not enough because they sent me to collections wi th Todd Bremer and Lawson, INC.  When they contacted me about setting up payments in  XXXX  of  2015  I agreed for them to take out  XXXX  dollars each month. It is an automatic draft so I have been paying every month since. However when I questioned them about the  XXXX  hundred dollar fee they where charging me they just told me it was because of late fees. I let it go but now I 'm starting to wonder if those fees are even legal.  XXXX  hundred dollars is a lot for a loan that I thought was under Federal school loan and not a loan from the school. The school sent me only one notice before they sent me to collections and even then I sent them a few payments.

Company response to consumer: Closed with explanation