milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with CASH AMERICA INTERNATIONAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona. 


My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am a XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX I exercised my rights under the XXXX and XXXX XXXX relief act ( SCRA ) and applied for protection while XXXX. Soon after Transunion cut off all of my online access to my account claiming that I have a high risk of identify theft because I am a XXXX XXXX. While this may be well intentioned it is a violation of the FCRA and has served to prevent me from gaining access to my annual free credit report unless I write Transunion, thereby slowing down the request. I am no longer a XXXX and wish to have the same rights as all US consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with ERC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My wife received a phone call from the number I have linked to XXXX XXXX XXXX. They asked if they had reached me. My wife said no. 

He continued by stating that " this phone call is being recorded and was an attempt to collect a debt for Best Buy. '' I know this is regarding my credit card debt with the store 's credit card, but it 's my business and legally not anyone else 's. 

According to the Consumer Financial Protection Bureau and the Federal Trade Commission, this is a clear violation of my rights and I want their case dropped because they should not share any of my personal information with other people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Law Offices of Palmer, Reifler & Associates, P.A. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This phone number was recently assigned to my XXXX XXXX XXXX daughter. The collection attorney from Palmer, Reifler and Associates, P.A. keeps calling her looking for a person named XXXX with a recorded message in violation of the TPPA. 

I would like them to stop harassing a XXXX XXXX XXXX little girl over a debt that she does not have anything to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017 my XXXX XXXX XXXX and my Capital One 360 accounts were hacked. I went into the XXXX XXXX XXXX location in XXXX, LA to discuss the fact that I had lost approximate {$60000.00} from my Capital One 360 checking account and savings accounts. I was told that they could not help me with my Capital One 360 and the only way to contact Capital One 360 was by phone or over the internet. Since my account was hacked I could not get into my XXXX XXXX XXXX/Capital One 360 accounts on line. I called many times and was left on hold for 15/30 minutes. I've talked to three people from Capital One 360. One person said my funds would be returned to my account within 2/3 days. Another person said I had cashed out the account. Another person said I had transferred this money into another account. I've been dealing with this since XXXX, 2017 and I need help in getting my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 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 became aware of a fraudulent department store credit account opened in my name on Friday,  XX/XX/XXXX because the department store called me to verify that I had opened a charge account online, and wanted to confirm that I had charged $ 600+ in merchandise before shipping it. I stated that I did not open an account, and that the account and purchase attempt were fraudulent.
<P/>
I went home and placed a fraud alert with the major credit bureaus, and I subsequently obtained and reviewed all of my credit reports.
<P/>
I found an item under the " soft inquiry '' section of my report that was disturbing : an item indicating that I had accessed my own credit report via the agency 's interactive site on   XXXX  , but I did not access my report on that date. When I called this credit agency, the Fraud Department told me I had to speak to the Interactive division, and the Interactive division told me I had to speak with the Fraud Department, and also told me that they can not access any additional information about the source of the fraudulent consumer inquiry in question that I did not initiate.
<P/>
Obviously, if there is a logical explanation, I 'd like to know. Given the recent fraudulent department store account, it 's very frustrating that potentially, an unknown party posing as me, obtained my credit report. I 'd like to what this inquiry is, and if it is fraudulent, and how to prevent it from happening again, and how to keep it from happening to others.
<P/>
And, perhaps coincidentally, the potentially false consumer request from the fraudulent person posing as me happened on  X/XX/17 . The date that the department store made an inquiry to open the fraudulent credit account was just 3 days later on   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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX XXXX XXXX to collect.

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 10-08-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I started a mortgage process with the Fifth third bank to buy a house in SHORT SALE. 
This lender received all my documentation, give me the preaproval letter, good faith estimate, and ordered the home appraisal, charging my credit card. 
BIG MISTAKE!!!!. it was a short sale.The formal process can not start until the receiving of the approval letter from the seller 's mortgage Bank. - meanwhile the loan should be in a pending status. 
The ordered appraisal was done 30 days before receiving the approval letter. at this time was expired. So, it was supposed to be redone. When they realize their mistake, never answer my phone calls, or e-mails again. The last communication, 20 days before the closing day was " we have to start the process again ''. Even if I give my authorization to do the home appraisal, it does not mean that this could be done without complying with all legal requirements. I do not have to pay with my money for their unforgivable mistakes. 
I sent an e-mail, and certified letter to XXXX XXXX, Vice President Area Sales manager ( XXXXXXXXXXXX - XXXX XXXX XXXX ) requesting my money back. He never answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian is taking a XXXX on me and their subsidiary, CFPB since XXXX. 
They ignore my requests to show me my credit report because they messed it up, and my credit score too, and CFPB is doing absolutely nothing to compel them to comply with the law.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Creditor Name : American Express Account number : # XXXX American Express and the 3 credit bureaus ( XXXX , XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by American Express and the 3 credit bureaus. American Express and the 3 credit bureaus have been and are reporting my account as managed by credit counseling program which is not true. I called, contacted American Express and the 3 credit bureaus through certified mail and fax and disputed the inaccurate information multiple times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but American Express and the 3 credit bureaus insisted in breaking the law and violating FCRA ( Fair Credit Reporting Act ) and reporting inaccurate information on my credit report. The furnisher of this inaccurate information is American Express. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to American Express and all the 3 credit bureaus that this account was and is still a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from American Express or all the 3 credit bureaus of their inaccurate information and I didnt receive it from all of them. Since neither American Express nor all 3 credit bureaus have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to American Express on XX/XX/XXXX : XXXX Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX  on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am a XXXX person with XXXX XXXX XXXX XXXX i have medicaid an medicare and they paid all my medical expenses so i do n't know what this debt is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan modification,collection,foreclosure

Complaint: What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... 
I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX XXXX illegally foreclosed on my house. I filed a lawsuit against them and also a complaint with the XXXX XXXX XXXX. 

This item should not be on my credit report. It was an illegal act. But Experian and XXXX will not remove it.

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 10/27/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent credit inquiries listed on my Equifax credit report. The following inquiries credit inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation letter to Pinnacle Credit Services on XXXX/XXXX/2015 and they ignored my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not allowing paying customers to dispute things on line. They are not removing XXXX items from my credit report that do n't exist anywhere in the system nor the original creditor has any record of the XXXX XXXX accounts balance 64.00 $ and 89.00 {$.00} Neither entities have resolved the issue. It is impacting my credit score and ruining my life literally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Credit card () with BARCLAYS BANK DELAWARE (RI).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.

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 06-09-2017 about Debt collection (Other debt) with Complete Credit Solutions, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation