milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a debt from XXXX being collected from Syndicated Office Systems on my XXXX credit report that I 'm not responsible for. I am a VA XXXX Veteran who has 100 % Medical from the VA Hospital. It is the VA Hospital responsibility to pay all medical bills from other medical facilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In  XXXX    XXXX  , I received an e-mail notification from Bank of America that my account had been frozen. When I contacted them, they told me I had to speak to the law firm who put the restraint on my account. I contacted them and they told me they had a judgment against me, but I didnt know anything about it.     I went to a free clinic at the court and they looked up the case, but there was no judgment. They referred me to an attorney. The attorney told me that under state law, the bank has to send me forms asking if there is any income in the account that is exempt from collection when they are asked to restrain the account. The Bank never sent me this form, and some of the money in the account is exempt under state law. My attorney contacted the law firm and found out that there was a judgment against me in a different case, and when we checked the court file, we found out that the reason I didnt know about the case was because they had served me at the wrong address. My attorney is asking the court to vacate the default judgment, but because that can take a while, she also contacted the Bank and the creditors law firm to ask them to release my exempt funds from my account.     The bank refused to speak to her and said that they would only speak to her if I was on the line with her every time she called to give them authorization to speak to me, even though I had already given my attorney written authorization. I have  XXXX  and have been undergoing  XXXX  treatment for my neck. It leaves me very tired and affects my ability to speak. I had saved up the money in my account to live on while I was getting treatment, since I would not be able to work because it makes me weak.     Although they would not speak to my lawyer about my specific problem, they told her that they always send out exemption forms and if a customer calls them and says they did not receive it, they send it out again. The bank has my correct address, so if they mailed it to me, I should have gotten it. Because the bank refused to speak to her, the attorney sent them a letter with a copy of a retainer from me and explained to them that they had not complied with state law and that they needed to send me the exemption form and to release the funds that are automatically exempt under state law.     The bank still has not sent me an exemption form and they still have not released the money from my 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 explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with DISCOVER BANK (TX).
Issue: Credit determination

Complaint: I was approved for a credit limit of {$1400.00}. As of XXXX XXXX th 2015 I received a message stating that my credit limit had decreased to {$640.00}. I had a debt ratio over 50 % and have made payments on time for the short period I have had the credit card. Now this will reflect on my credit score as debt to ratio of 99 % of my credit limit used. I have a statement showing now - {$51.00} due to this decreases not to mention the impact it will have once it reports to the credit bereaus. I find this type of act to be very harsh considering I just received a credit limit increase on my XXXX bank card. This practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.

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 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a pre-approved application to XXXX credit card ( XXXX XXXX ). First off, the inquiry is from a pre-approved offer, and should be listed as a soft inquiry, so as not to damage my credit report. Second, XXXX XXXX denied the application and listed my credit score as XXXX which is also incorrect and not in my credit report. How do I proceed. Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Other

Complaint: I recently and very proudly paid off my credit card balance on XXXX XXXX XXXX {$25000.00} with money I received from a retirement settlement ( XXXX installment ). I double checked with a Chase Rep before making my pay-off to ensure there were no hidden fees, charges, etc. I was quoted the same amount as was showing on my Chase app balance. I know to do this after working at XXXX. My payment was not due until XXXX XXXX. I made my payment online and received my confirmation e-mail. I went in to check the app on the following day and the balance read zero. What a relief! From here on out, I intended to only use the card for small purchases and pay off immediately. On XXXX XXXX which I figured would not be processed until after my payment, I made a small charge and another on the XXXX. I paid them both off on the XXXX. The app balance again read zero. We are renovating our home a bit with some of the money so instead of carrying cash to get home improvement supplies, I made a small charge on the XXXX which I thought might have interest and then waited until the XXXX to make the other. On XXXX XXXX, I checked my app for the balance on the XXXX charges due to not being able to find my receipts. To my surprise, on the XXXX, {$120.00} in interest was charged! The total of both of my charges was {$600.00} and I planned to pay them yesterday. I asked Chase where this interest came from. They said it was on the balance I paid off between XXXX XXXX and XXXX XXXX when I paid off the balance. I told them that their staff quoted me the pay-off with interest and all pending charges. They refuse to budge or remove the charge. I told them I would pay the {$600.00} or even interest on the {$90.00} charge from the XXXX, but I refuse to pay interest that they have decided to add after quoting me a pay-off. This is a problem with their staff and a very predatory way to treat customers. I have informed them that I will be reporting them. I have filed with the OCC. My response today was as follows : Thank you for taking the time to contact us in regards to the interest charged. your inquiry has reached the highest level. Your account was a revolving balance which is charged interest daily. Therefore you were charged interest on the average daily balance carried from XXXX/XXXX/16 until paid in full on XXXX/XXXX/16. As this interest charge is valid, we are unable to credit it. As long as you pay your previous statement balance in full by the due date, no further interest will be charged. I apologize for the frustration caused. 
Sincerely, XXXX Best Quality Customer Care Senior Financial Service Specialist Phone : XXXX Ext XXXX Mon thru Fri XXXX XXXX to XXXX XXXX Fax : XXXX The XXXX for would never ask a customer to pay for an employee error. It is not my fault that they did not include this amount. I asked for a pay-off that included everything and paid it all. My money is hard earned, and they are a big bank trying to squeeze every dime that they can out of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: Capital One account XXXX became late in XX/XX/XXXX. Seven year removal of this account was in XX/XX/XXXX. Capital One still has a chargeoff on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the money.

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 10/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Mortgage) with Aspen National Financial, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The debt has been satisfied. They wo n't send a letter of deletion so it will be removed from the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.  XXXX   XXXX   .Dated J XX/XX/XXXX  2. XXXX  .Dated XX/XX/XXXX .3.  XXXX   XXXX  . XX/XX/XXXX  4. XXXX  . XX/XX/XXXX  ... 5.  XXXX   XXXX   .Dated  XX/XX/XXXX .
1.  XXXX   XXXX   XXXX  , Michigan  XXXX  2. XXXX .  XXXX   XXXX  , Texas. XXXX ..3.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Texas. XXXX  ... 4  XXXX   XXXX     XXXX   XXXX  , Texas. XXXX .
I have a   XXXX   XXXX   XXXX   vehicle I do n't need another car. I have   XXXX   kids and I am single Mom.
All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my  XXXX  child and my daughters that are under the age of   XXXX   years old..

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 07/21/2017 about Debt collection (I do not know) with Jon Barry and Associates, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have repeatedly tried to dispute an item on my credit report that is being reported by a collection agency by the name of Paragon Revenue Group..this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Credit reporting () with Resurgent Capital Services L.P. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently discovered an outstanding debt on my credit report. XXXX XXXX said I owed them {$420.00} and assigned the debt to a collection agency. I never have had XXXX and they will not respond to my requests to verify the debt is mine and Experian also will not remove this fraudulent issue from my credit report. I am in the process of filing a complaint with the FTC, and will be filing a police report as well. Is it possible the CFPB can help me with this. As soon as I receive a copy of the police report I would be willing to share it with you along with any other documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been fighting for a long time to have this fraud account remove from all XXXX credit bureau.

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 01/31/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX of XXXX Porfolio Recovery Associates called me Attempting to collect a debt. While on the phone I spoke to XXXX XXXX who informed me that on XXXX XXXX,XXXX.I supposedly made a payment of {$100.00}. I proceeded to hang up. I did some investigating of my own and found out that my Account went into delinquency on XXXX XXXX of XXXX. I am only XXXX I only have had XXXX bank accounts so far XXXX and XXXX XXXX. I called XXXX and they said my bank account closed XXXX XXXX XXXX therefore there is no way I could have made a payment on XXXX XXXX of XXXX if my account closed on XXXX I also called my current bank XXXX XXXX and they said they have no transaction of {$100.00} on XXXX XXXX of XXXX. Porfolio Recovery Associates made a false payment on my account so that they could contact me because they knew that without that false payment being on file they would have violated my statute of limitations. I want to file a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed