milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Debt collection (Credit card debt) with GLOBAL CLIENT SOLUTIONS, LLC (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency Global Solutions back in XX/XX/XXXX and then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX Global Credit Solutions {$50.00} XXXX XXXX  XXXX XX/XX/XXXX Global Credit Solutions {$35.00} XXXX XXXX XXXX  XX/XX/XXXX Global Credit Solutions {$32.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I HAVE SENT   XXXX   XXXX   SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS  XXXX / XXXX /   17  (  2 MOTHS AGO ) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND  DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION, LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!   I HAVE ATTACHED THE CREDIT REPORT FROM  XXXX  AND EQUIFAX.  XXXX   XXXX  STATED THAT MY REMAINING BALANCE IS {$710.00}. IF I PAID {$83.00} ON TIME FOR  XXXX  &  XXXX  THE BALANCE IS ABOUT {$660.00}. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!   THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE FROM ALL  XXXX  CREDIT BUREAUS. MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with American Revenue Management, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I noticed an unknown account on my credit a few years ago, and since then have sent American Revenue XXXX notices, including my police report showing I 'm a victim of identity theft and they continue to ignore 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 04/23/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I am beginning to receive calls at my current place of employment for a home that foreclosed while I was married. In my divorce the judge ordered my husband responsible for ALL marital debt. This was a marital debt and he is responsible per the XXXX County Courts, 3 years ago! The calls have just started coming and they are very persistent! What am I to do. You can not drain blood from a turnip. I am a single mother of XXXX and care for my XXXX mother. Please help make it stop!

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I never applied for  an amazon.com visa signature credit card from Chase bank USA, N.A but was sent a denial for credit letter which damaged my credit report and credit score. I attempted to contact the company but there was not a single contact phone number or email address to contact them and I can not have my credit further damaged for months while they attempt to sort this out through regular mail. I also attempted to contact them through their website which gave no phone number to call unless you where already a card holder. I feel this is a blatant attempt at fraud for which I am paying the price through my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I first contacted Bank of America around XX/XX/XXXX to try to work out payment arrangements due to my sister passing away due to XXXX on XXXX XXXX, XXXX which caused me to lose my job. I am a XXXX, had no job, and they refused to assist me in any way. They closed my CC and wanted me to continue paying from {$200.00} to {$220.00} dollars every month which I did. I was not working and borrowed from family and friends to make my monthly payments. I was denied a payment plan because of no income and told that once I received unemployment that they would put me on one. Every month I was told a different lie. However, they constantly told me that as long as I made my monthly payments I would avoid collections. Once I received unemployment they said that they could not put me on a payment plan. I called again XX/XX/XXXX and XX/XX/XXXX to try to work out payments and was denied. They man I spoke with from Bank of America told to make my payment via the ATM before XXXX EST and that I would not be sent to collections. The amount due was {$210.00} and I paid {$200.00} at XXXX XXXX and {$10.00} at XXXX XXXX on the XX/XX/XXXX. However, on XX/XX/XXXX I received a credit alert from my bank that Bank of America charged off my account. Bank of America has constantly lied to me about my account, given me conflicting information as to why I was sent to collections or why my payment was not acceptable. I mailed a letter to Bank of America 's corporate office at XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX asking that my calls be listened to and ask that they reverse my account that was charged off because of their bank errors. However, no one will listen or willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My home suffered damage during the natural disaster, hurricane XXXX. The insurance company sent the repair check to my mortgage company, seterus, who refuses to discuss releasing the funds to me, for me to repair my home. Seterus representatives have also threaten me with foreclosure. I have roof and interior damage, that need to be repaired ASAP to avoid further damage from inclement weather and the possibility of mood developing. Seterus actions as a result of a natural disaster should be illegal and they should be investigated and charged.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trojan Professional Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dentist called XXXX XXXX XXXX XXXX in XXXX XXXX California hired Trojan Professional Services. Trojan was advised that we do not owe {$230.00} in writing but continues to attempt collection of money that is not owed. Dental bill was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: APR or interest rate

Complaint: I was late with XXXX payment and American Express assessed a {$38.00} late fee and then on top of this they are charging interest on balance at annual rate of 27 % when interest rates are at historic lows! These types of fees and rates are outrageous and simply wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I been getting a {$2.00} dlls charge from a Macy 's card but mY balance its XXXX {$0.00} for about 3 months that I have n't used the card.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report shows a h ard inquiry from CitiBank. I did not authorize this inquiry and would like it removed from my credit report CITIBANK NA.,    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent letters to XXXX, Transunion, and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED LA XXXX Docket # XXXX. I was than told that was not acceptable.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I contacted XXXX to inquire about an internet offer I was sent through unsolicited postal mail. Upon contacting them via phone I specifically told them, no less than the times, I was not allowing them to run a credit inquiry on my record. Upon reviewing my report there is a inquiry on the same date recorded which is negatively affecting my credit score. 

Upon contacting the reporting agency TransUnion to dispute the inquiry I was told they could not do it without a statement from the inquirer. After many hours on the phone with XXXX I was told no one at their company could provide me with the required dismissal letter and was hung up on. 

I am contacting the CPFB in an attempt to have this record expunged from my credit report.

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 06/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Pressler and Pressler used extremely aggresive legal tactics to collect on a XXXX Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though XXXX and Pressler and Pressler knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: TDBAnk/ Target refused to accept credit counseling agreement and sent me XXXX notices stating that I can workout payment plan.The credit card company has since accepted monies dispersed from credit counseling agency, however keeps piling late fees and from a XXXX credit line I now owe XXXX ever since I had initially enrolled in credit counseling this company will refuse top agree to proposal to purposefully and tactfully raise my amount due quickerTarget acct ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We were in process of buying home in Hawaii using a Hawaii mortgage company we had used before when we purchased a condo there, Upon going to Bank of America to get my banking info for the mortgage I was heavily wooed by Manger at Bank of America sayin they could give me much better rates credit for being a preferred client I was hesitate and questioned the loan officer if she had done mortgages in Hawaii because things are done a bit different there. She assured me  yes they do and could make the process so much better and easier for me and encourgaged me to cancel my mortgage with the Hawaii lender saying do n't feel bad its done all the time, Well from the very start I was lied to numerous times sayin everything was proceeding I have excellent credit score of XXXX min debt high income and mortgage was small. Every day after saying she had all documents she needed they would keep requesting more and more info stuff I never had to get for any other mortgage. She often did not return phone calls or emails I had signed contract and dates were coming due to have things done wiring more money etc She called me one day sayin everything approved you got your loan Only for me to go to online account to see they were requesting more documents and it was not approved at this point we were getting close for seller to back out because they feared we would not get financed I called her several times it took 3 days for her to call me back and I asked her why did you lie to me saying we got loan when it is showing not approved and really had to confront her and finally she said no you are not going to get loan lender wont insure in that lava zone This after a month of her assuring me everything was going well Also they did appraisial That took them over three weeks to get to my Hawaii mortgage company I had to go groveling back to and in the end the Hawaii lender got me approved quickly got insurance and we closed With Bank of America I almost lost escrow money and the house I dealt with several higher ups as well with Bank America I do n't know how I could be lied to and how much longer would I have been stringed along and lost the house and 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 explanation