milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Debt collection (I do not know) with Assured Financial Partners (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I contacted Citibank in regards to my credit card account ending in XXXX. My account has been closed as of XX/XX/XXXX and I was enrolled into Debt Management Program to pay my outstanding balance. I have been experiencing extremely difficult time to communicate with the above creditor to resolve the issue with interest charges on my account. Since XX/XX/XXXX, I had one cash advance transaction in the amount of {$54.00}. Since that I have been trying to pay my outstanding balance every month as much as I can. 
As of today Citibank continues to charge interest for cash advances and my balance for original transaction was increased from {$54.00} to {$68.00} approximately. Every month Citibank charges me extra interest on cash advance transaction that I made in XX/XX/XXXX. After careful review of my billing statements from XX/XX/XXXX until XX/XX/XXXX, I noticed that creditor charged me extra {$15.00} interest for the cash advanced transaction. No additional transaction for cash advances I did not make. When I contacted Citibank Customer Service department on XX/XX/XXXX, representative advised me that he is unable to resolve the issue since my account was closed, and transferred my call to Forbearance department for assistance, 2nd representative whom I spoke to, named XXXX, was not able to assist me with my issue nighters, and advised me to contact Credit Counseling department for assistance. 
On XX/XX/XXXX, I contacted Credit Counseling department to assist me with my account and spoke with 2 additional representatives to resolve my issue. The last representative advised me to contact Customer Service department for assistance and I informed him that I have already contacted them. Finally, he decided to transfer my call to Customer Service department for assistance. I spent over 1 hour on the phone with Citibank and was I advised by the last representative that interest was charged in error. He placed my call on hold for additional 5 minutes and afterwards informed that interest charged to my account is correct since I was paying only minimum payment on my account. I requested to speak to supervisor and I was put on hold again. I was not able to resolve issue with the above creditor and looking for further assistance.

My cash advanced transaction was paid off since my account was closed and it should be no additional interest accrued.

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 07/23/2015 about Debt collection (Credit card) with Evans Law Associates, P.C. (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Company was told by attorney not to contact me or my sister. This was done in writing. They continue to call me sister after they received this notice. They have not contacted my attorney

Company response to consumer: Untimely response
Consumer complaint received 05/26/2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I signed up with the .001 % loan rehabilitation program with Financial Asset Management System ( FAMS ) and XXXX for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the FAMS representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. Financial Asset Management Systems misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked FAMS about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I pulled my annual credit report and found a car loan from Santander Consumer USA, which I have never obtained. This account has created a negative impact on my report and reflects payments that were late. This information is extremely injurious to the character of my creditworthiness. I 've disputed this with the Credit Reporting Agency ( XXXX ). However, I feel that I needed to file a complaint, as this sort of business practice is fraudulent to say the least. The placing of a frivolous account, name variation and an associated social security number on one 's credit report, MY CREDIT REPORT, is a direct violation of the " Furnishers Rule '', as well as FDCPA violations and must be address expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Student loan (Private student loan) with U.S. BANCORP (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been receiving harassing phone calls from XXXX XXXX XXXX XXXX in connection with US Bank. I have been unable to pay for the last three months and unable to bring my account to a place where I am able to get a two month deferment. I have explained to the company ( most of the calls are coming from US Bank ) several times that I am unable to pay currently because I am studying for my XXXX exam at the end of XXXX. I have requested them to cease calling until that date but still receive several calls per day and upwards of 10 calls per week. They have also been calling my mother without authorization, and have they been explicitly told to not call her from myself and my mom. Additionally they have removed some of the little money I have to live off of from my account with US Bank without authorization in the amount of approximately {$100.00}. I understand that a debt is owed, but have explained the situation that I will be unable to pay until late XXXX. I understand this type of repetitious calls to be a violation of the Fair Debt Collections Practices Act and would like resolution solely in the form of cessation of calls from the companies.

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 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please note that this was placed on my credit in error. This should be removed from my credit profile immediately. XXXX XXXX XXXX has acknowledged that this should be deleted off of my credit profile. XXXX XXXX XXXX XXXX has since filed a UDF ( Universal Data Form ) with all the credit bureaus to have this removed from all XXXX of my credit profiles. Please have this removed immediately and forward me confirmation that this has been done. I have attached a print out of the email XXXX XXXX XXXX sent me to confirm that they have requested this deletion. Please see the contact information for the XXXX XXXX XXXX attorney that has been facilitating the correction below : XXXX 

XXXX XXXX XXXX XXXX, VA XXXX Toll Free : XXXX ext. XXXX Phone : XXXX ext. XXXX Cell : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is 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 07-11-2017 about Mortgage (Conventional home mortgage) with ASTORIA BANK (NJ).
Issue: Struggling to pay mortgage

Complaint: I had a foreclosure date schedule. I called the bank and I requested for a short sale being that my daughter was in hospital at that moment having XXXX. It was so stressful I did n't know what to do so they suggested that I can do a short sale. They send me the short sale documents and told me to complete the paper work and send it to them. Knowing that a foreclosure date was schedule for X/XX/2017 it was never cancelled and when they received the documents they told me that it was foreclosed already and it did n't matter. My daughter is very sick and I can not move at the moment. <P/>I have an XXXX XXXX by the name of XXXX XXXX XXXX banging our door down. My daughter have nurses and doctors coming to my home to help her and I am at work. XXXX XXXX bang our doors every sigle day and requesting to get into the house. XXXX XXXX phone number is XXXX Cell XXXX address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. XXXX XXXX is an Asset Management which is an investor and have absolutely no consideration for my daughter illness and our situation. <P/>I had a five year interest only loan and I try to modify three times and first they said my income was insufficient the second time my income was to high Astoria bank never tried to help with the modification and knowing that I was going through so much stress lost my job during that process because my daughter illness they just fine the right time to foreclose without my knowledge and the last was they will consider a short sale. <P/>
The servicing company is a Mortgage company by the of XXXX XXXX XXXX in XXXX XXXX, Illinois. That is the company that did not accept the short Sale waited for the date letting me know that it will postpone and foreclosed. The servicing Company XXXX XXXX told me it was to late the own the property and purchase it for {$100.00}. Last package was sent to XXXXXXXXXXXX Phone # XXXX Fax # XXXX toll free # XXXX Right now XXXX XXXX XXXX XXXX XXXX requested for my phone number in an aggressive way and my daughter with the home attendant did n't know what to do. My daughter XXXX XXXX XXXX and she under XXXX XXXX she had XXXX XXXX and right now she can not go through any stress. <P/>Can you please let me know what should I do. I just do n't know what to do. My information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX e-mail # XXXX XXXX XXXX Loan #

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB

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 09/16/2017 about Debt collection (I do not know) with I.C. System, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}

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 12/28/2015 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to  provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: case number XXXX. 
Equifax has not sent me full details on its investigation including copies of all of the source documents including the person who did the verification with their telephone numbers. I also need copies of the contracts or applications for XXXX XXXX XXXX XXXX XXXX i am still missing information on the credit reporting. where is a copy of the source information. it has been well over 30 days. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: My husband and I have a number of accounts with JP Morgan/Chase and I pay most of our bills using online account services with various merchants. I am very cognizant about due dates for our bills and when my paychecks get deposited ( every Thursday XXXX and when my husband 's pension check and social security check gets deposited. During the past year, my previous job was outsourced and I was out of work for 5 months and when I got offered my next job I was forced to take a {$45000.00} pay cut. I am a senior and am XXXX years old. Due to the reduction in our income, it is next to impossible to keep a " cushion '' in our bank account. On a number of occasions, due to the way that Chase Bank " shuffles '' their transaction processing we have been hit with {$34.00} fees. This occurred because their transaction processing practices are designed to maximize profits for the bank by entering the largest transaction first. They do not necessarily enter direct deposits before the previous day 's debits. I have researched this matter online and have found out that this is a problem for many low-income families who can not afford to keep extra funds in their accounts and who suffer disproportionately from these practices that are common among large banks. Our branch manager has lectured me that he will refund the fee " this one time '' but the problem is far greater and should be addressed by government regulations. I do not want to have overdraft protection because it costs more money. There would be no problem if Chase processed direct deposits first before deducting any online payments. I am very responsible and balance my checkbook every morning when I go on my computer at work. However, every now and then some kind of surprise debit occurs and voila, I get hit with another {$34.00} fee because Chase did not process the deposits first. I am imploring your agency to please address this problem with the large banks. I work hard but I have been a victim of corporate downsizing. I am facing retirement and trying to pay down bills. I am very discouraged about my financial future. I read about these practices in XXXX and XXXX when I did a google search. I was glad to see that it was a larger problem that government could address, as opposed to my own negligence as was implied by Chase Bank 's managers. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Bank account or service (Checking account) with U.S. BANCORP (KS).
Issue: Problems caused by my funds being low

Complaint: US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back 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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: NAVIENT This loan was paid off. Reinvestigate and erase please.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

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