milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Other financial service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (NY).
Issue: Excessive fees

Complaint: We had a lot of debt with credit cards etc and were sold a plan with Global Solutions and XXXX Law firm to consolidate our bills. Up until that time we were never, ever late on a payment. Due to illness we thought by consolidating we could pay less monthly and pay off the debt. What we did n't realize was that they would take all their fees up front before ever negotiating with the creditors causing our credit rating to slump and even getting a judgement. On top of that after only a few payments they raised the monthly payment to over {$1000.00} for a year. Then XXXX of the creditors forgave a large amount which resulted in receiving. A XXXX tax form so we had to pay {$4200.00} to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have asked that Equifax update my file through XX/XX/XXXX they have { no payment } information from XX/XX/XXXX-XX/XX/XXXX which they stopped I want all payment info from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you

owe on your Discover Personal Loan as shown above.
You can resolve this by calling us to make acceptable payment arrangements. 

If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. 
CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! 

Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. 

Sincerely, XXXX XXXX Operations Director Discover Personal Loans

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector failed to 1 ) properly serve me with a summons and receive a default judgment against me. 
2 ) answer a request for a hearing 3 ) validate alleged debt 4 ) has garnished my wages with less than12months at my job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with COAST PROFESSIONAL INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today X/XX/2017 at XXXX Coast Professional Inc , called my place of employment. I am not sure what the agency is or why they called my place of employment. They asked several people where I was.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Payday loan) with Atlas Credit Company, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This lender had shown up at my house and left a business card with my XXXX XXXX XXXX son. I then sent a letter of non-contact, requesting to no longer be contacted through phone or in person, but only via USPS mail, and cited Fair Debt Collection Practices Act. They have since called me and said that they " are not under that law according to their supervisor XXXX XXXX so they are going to continue to call. '' Today they called me at work. This is unacceptable. I have also sent a Pay for Delete letter to their home office, certified mail, that was picked up yesterday, I believe, which also requested contact via USPS mail only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WY).
Issue: Advertising and marketing

Complaint: I keep receiving pre-approved offers in the mail in my sons name. To protect his identity I have called the company and they said it would stop. I have called the opt out and so have they. Currently I have had to shred every week offers. This is Capital One XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.

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 Vehicle loan or lease (Loan) with NICHOLAS FINANCIAL INC. (AL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will  consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have sent several disputes to XXXX, Transunion and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but XXXX, Transunion and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.XXXX keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXXXXXX XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along

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 10-11-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Wakefield and associates of XXXX, Colorado, has been attempting to collect a debt from me for one year. I have never received proof of the debt in writing They have called me multiple times during the day and evening. They have argued with me and have said they do not need to send paper proof of debts. The collection reported on my credit report does not match the amount they are seeking.

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 01/27/2017 about Credit card () with U.S. BANCORP (IL).
Issue: Billing disputes

Complaint: I filed bankruptcy on a secured credit card from US Bank due to my lawyers advice. US Bank sent me a check for my down payment of XXXX dollars minus the balance on the account. I believe the price I just recently received a check for was about XXXX dollars. The only problem is was this account was paid in full be me and there was no balance on this account. I had lost the card before I filed bankruptcy and I did not notice until now because I know I did n't need that credit card anymore. Long story short US Bank still owes me around XXXX dollars because the balance on the account was made by fraud transactions. The fraud happened around XX/XX/2016 right before I filed bankruptcy. The balance on the account should be XXXX so I should be given the remaining balance. I called and talked to XXXX different people and no one from that company knows how to take a fraud claim on an account that was claimed in a bankruptcy. I am not disputing the account as it was mine, but the fraud transactions that made up a balance is fraud. They ca n't even tell me what transactions came through that made the balance that high. Please help. I feel that they are discriminating against me because I filled bankruptcy and no one wants 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 07-07-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: I am attaching a Mort gage Statement received from Shell Point Mortgage. I do not know this Company nor I borrowed any money from  them.   I want to send them a QWR Notice under RESPA. But their Mortgage Statement does not have any address to which I can send this QWR, although it is required by Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Other transaction problem

Complaint: Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US.
I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX  2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers.
Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates.
I attached XXXX 2017 Online Statement for your review.
I want to begin a complaint process about Wells Fargo regarding their attitude to me.
Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : 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 non-monetary relief
Consumer complaint received 10/13/2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: After 3 hours of XXXX communications with XXXX different TransUnion " Consumer Fraud Special Agents '' I am at wits end trying to understand how any parent in Virginia can possibly have the required documentation to enable a minor 's credit freeze. I am attempting to freeze the credit file of XXXX of my minor children.The following block of information details the elusive documentation in question : XXXX of the following qualifying documents indicating that the requestor has Proof of Authority of the named individual : - Court Order- Power of Attorney ( not applicable for NY or TX residents ) - Written, Notarized and Signed Description of Authority ( not applicable for VA residents ) ; I have birth certificates, SSN cards, passports, other forms of identification, adoption decrees, and bills verifying my VA address, but what parent has any of the above listed " Proof of Authority ''? 

The XXXX issue I had was with the attempted extortion of fees for the free service. The XXXX XXXX TransUnion representatives tried to collect {$10.00} to process the lock. The XXXX representative was the XXXX to acknowledge that the lock should be free. I have rejection documents claiming I submitted the documents, but failed to pay the {$10.00} fee. The site states : {$10.00} ( Medically incapacitated AND not a victim of ID theft ) Free ( Minor under age of XXXX OR medically incapacitated AND a victim of ID theft ) Boolean logic evaluates ANDs before ORs, thus it is free for minors under XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have a credits cards debts that i paid off as agreed and the debts suppose to be erase after a months but until now, they still posting that as a bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Student Loan Finance has been reporting my file to the credit bureaus illegally with 120 day lates month after month. I have tried disputes with the credit bureaus 4 times and nothing has been done. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Medical) with E. A. Uffman & Associates, Inc (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: CSD COLLECTIONS IS REPORTING AN ACCOUNT IN COLLECTIONS FOR AN UNDISCLOSED DOLLAR AMOUNT THAT IS NOT ACCURATE. ALL DEBTS HAVE BEEN PAID OFF

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with On-Site Manager, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My spouse and I received our discharge from our Chapter XXXX Bankruptcy on XX/XX/XXXX. At the time of our filing, we were staying in an apartment, which was included in our bankruptcy. We were evicted and ended up in a homeless shelter. Fortunately, we were able to enter into a program that would help us stabilize our housing situation and the management company of our new apartment was aware of our bankruptcy. In XX/XX/XXXX, we attempted to move away from our current housing situation because our kids are getting older and need separate sleeping spaces. We applied for a new apartment, totally unaware that On-Site 's rental report included the debt from the apartments from which we were evicted and was included in our bankruptcy. My spouse went to XXXX County in XX/XX/XXXX with our bankruptcy paperwork and received something called an " Abstract of Judgement, '' which states that we were in fact cleared via the bankruptcy and no longer owe any monies to the apartment that we were evicted from. The rental report came back denied, I spoke with someone from On-Site ( XX/XX/XXXX ) and explained this to them, they told me that they never heard of such a document as an " Abstract of Judgement '' and where did the form originate. I let them know that the form originated from XXXX County Courthouse and that I was going to dispute their findings. After speaking with representatives a few times, they chose to communicate with me via email only. On-Site sent me a determination via email and would not return any more of my phone calls. Because many apartments use " On-Site ''  for rental reporting, my family is even more limited as to where we can live ... which is totally absurd and discriminatory. This information should not still be appearing on our rental history, especially since it was cleared via Chapter XXXX Bankruptcy and via the " Abstract of Judgement '' received by XXXX County.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion credit bureau is adding someone else 's credit inquiries which are not mine on to my account, contacted Transunion regarding the same they have suggested me to contact the creditors so i did, but none of those creditors are able to find any opened account or credit inquiry done on my Name or Social security number or Address.

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 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They have called me & my wife on several occasions and never sent an initial letter stating my right to dispute. I have sent a request for validation that they have received and signed for and have yet to respond to but continue to report to XXXX XXXX which is illegal under 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation