milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : 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 06-09-2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Describe what happened so we can understand the issue ... 
XX/XX/2015 I was contacted by ATG credit in reference to a Medical debt totaling XXXX for numerous accounts. I was advised that it had not reported to the Credit Bureau as of yet and in order to hold the account from further action I needed to pay the balance. I agreed to a one time payment of XXXX over the phone and advised that I would try to make a large payment the following month. On XXXX XXXX ATG withdrew XXXX out of my checking account. I called them immediately and was advised they had me on record authorizing this amount. I told them that it was untrue. They advised me they would review the recording and call back When the representative called back she advised me it was valid. I asked her directly if the recording stated I agreed to this amount or did I say that I would make arrangements for the amount. She stated I agreed to it which is a blatant lie. 

I filed a fraud complaint with my bank and the BUREAU OF CONSUMER FINANCIAL PROTECTION ( XXXX ) for the funds which were returned ... .. 

Today I received a call from XXXX for the same debt for XXXX I explained to her they have already reported to my credit bureau which she states they have not. She said they have sent numerous letters no letters have been received from ATG credit since their violation of EFTA. She demanded a payment arrangement and advised me it would be reported the following week. The previous payment arrangements were for the same hospital stay I believe they are finding a reason to contact me again by misinforming of the number of accounts/balance and I feel harassed and confused about what I actually owe. I will not give them any payment information based on the fraudulent abusive and unscrupulous actions previously. 

XXXX ATG Credit LLC said : Explanation of closure We have reviewed the account and determined that the complainant did agree to the payments but asked us to hold them until she contacted us back. The payments should not have been processed. We have placed the account on hold and as a courtesy have removed from reporting on credit. The account is still outstanding but we have pulled future payments and removed from credit. It appears the payments did not clear so the balance does remain outstanding but as a courtesy we have removed from credit for the time being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Amazon.com store card blocks access to 3rd party finance management apps ( XXXX, XXXX, etc. ).

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 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: These inquiries on my Credit report has not been authorized by me. I would like to have them removed because they are causing a bad impact on my Credit Report. Thanking you for your assistance. I will be uploading a copy.

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 05/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: During the past year, I suffered illness, a XXXX, and XXXX, therefore, I was unable to respond to Bank of America, XXXX XXXX XXXX and XXXX and XXXX their attorneys. 
From years XXXX to XXXX, we have filed numerous notice of errors, qualified written request and complaints to Bank of America and XXXX XXXX XXXX, regarding the error made when posting the taxes and insurance on XXXX XXXX, XXXX, the amounts posted in connection with the implementation of the Loan Modification Agreement on XXXX XXXX, XXXX. Both Bank of America and XXXX XXXX XXXX have neglected to correct the escrow errors. The most recent complaint was filed with Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, Bank of America posted {$7000.00} instead of {$8900.00} listed in the XXXX XXXX, XXXX, letter and the Loan Modification Clarity Commitment. ( XXXX of Transaction History faxed from Bank of America ) ( See Exhibit B, Loan Modification Clarity Statement dated, XXXX XXXX, XXXX ) ( See Exhibit C, Response from Blank and XXXX for Bank of America and XXXX XXXX XXXX dated, XXXX XXXX. XXXX ). 
My most recent response via the Consumer Financial Protection Bureau, dated XXXX XXXX, XXXX, from Bank of America 's Attorneys XXXX stated on Page XXXX, paragraphs XXXX and XXXX state the following : " Regarding your claims related to escrow account error and misapplied payments please be advised Bank of America is unable to investigate the majority of these claims, as the exhibits were not provided with the letter ... .Further, the majority of these claims are vague, conclusory, and unsupported. '' " The letter claims that a letter dated XXXX XXXX, XXXX, was received regarding the payment of taxes and insurance in the amount of {$8900.00}. Please be advised Bank of America is unable to locate such correspondence, and the Payment History does not reflect such payment ''

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 09/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: A Bank of America ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.

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 07-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (NC).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I downloaded this active hours app on XX/XX/XXXX maybe. It gives you money for the days you already worked and then take back what they gave you on your pay day. Well my pay day was Friday XX/XX/XXXX they were supposed to take out their {$100.00}. They were supposed to do it the morning I got paid but they did n't. I called my bank and asked if they already took they money I was informed that they did. So I went ahead and withdrew all my money because I do n't a have a debit card right now. So after I withdrew all my money I had maybe XXXX in my account. Saturday I woke up and I had a message that I had {$60.00} in my bank account I did n't understand how. Today on Monday XX/XX/XXXX active hours were supposed to send me XXXX. And they did but I called my bank and they told me that {$60.00} was - {$60.00} due to the 5 insufficient funds transactions that were trynna be made. I was confused on how I had 5 insufficient funds transactions because I did n't have no card to make these transactions come to find out Active hours were trynna make transactions with my account that I had no idea about. I was told that they already took their money so why were they trynna make transactions with my account putting me and the negatives. My complaint it they are n't really what they say they 're about. They told me three times they would change my max for me to be able to cash out more money but they never did. Not to mention you have to reach them by email you ca n't call them by phone they do n't have a phone number so you have to email them so it takes days for them to reply. I just do n't like this company and I will be removing my information from them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX trade lines reporting in my credit report with Trans Union, I attached a copy of the credit report with red marked items, attached a XXXX search from Secretary if State office of MA. After the " investigation '' all XXXX trade lines remind unchanged. 
I am attaching in this file all my filing. 

thank youXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with Credit Card Receivables Fund Incorporated (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: The deed of assignment was put in a repurchased remic XX/XX/XXXX. XXXX bought cwmbs reperforming loan remic trust certificate series XXXX back. And if the remic was valid then how come the security exchange commission, XXXX. XXXX, XXXX, XXXX, And XXXX, etc have record reports saying it was closed XX/XX/XXXX on a XXXX form. So again if the that deed of assignment is actually valid the how come no one has been reporting it to the sec since XX/XX/XXXX. Also again concidering its been repurchase then XXXX XXXX XXXX sold the mortgage to XXXX as the trustee violating the sec regulations. And giving the service rights to nationstar mortgage as well with the improper deed of assignment. And how come all of a sudden hud has no record of any of the paperwork on this mortgage as of XX/XX/XXXX. So it is clear that nationstar mortgage thinks official documents from the the sec are invalid. The master remic paperwork for the remic series XXXX, XXXX XXXX mortgage pass-throught trust XXXX file number XXXX is invalid as well.

Company response to consumer: Closed
Consumer complaint received 06/17/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted proper documentation to Experian about an account that is no longer allowed to be reported on my credit. The credit report that was sent to me by Experian on XXXX XXXX, 2015 stated plainly that the account in which I disputed was to continue on my report until XXXX 2015. After a few days in XXXX I reached out to Experian to have the matter cleared up only to be informed that they would not investigate any further, period. I am reaching out to you for assistance because as of XXXX 2015 and a dispute with both XXXX and XXXX for the same collection account, these negatives have since been removed from their records. I also forwarded proof of this to Experian to shorten the process in getting this account off of my credit report and they are refusing to uphold the law of reporting timeline accuracy. I am in the process of trying to purchase my first home and Experian 's disregard of the law is causing me and my fiance a lot of unnecessary pain and suffering. I have proof of deletion from XXXX direct dispute and I also have the Experian report stating the expiration date of this negative item and will also include credit report from both XXXX and XXXX proving that this account is no longer being reported, I just need Experian to do what is right in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond.
XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX.
<P/>
These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my XXXX and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies.
<P/>
XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my XXXX report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report.
<P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.

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 12-09-2016 about Debt collection (I do not know) with Orions Management Group, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I had gotten a private loan through my school but than the school shut down and the company is forcing me to pay the loan back but I was n't given the education I deserved cause the school closed down so why should I pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Alliance One was notified by the XXXX Clerk of Court of outstanding monies for non-payment of traffic citations I owed. These citations were removed from collections by a County Court Judge. The amount owed for the citations was lowered by 40 % and I was allowed to make payment thru the Clerk 's Office. Unfortunately, I was not aware of this when I made a payment of {$3400.00} to Alliance One via my bank credit card. Alliance One FAILED to verify the amount owe, took the {$3400.00} payment and applied it to SOME of the oustanding citations. Even with the 40 % collection fee, that they were no longer entitled to, this amount was {$2700.00}. I have spoken to numerous representatives and requested my money back. Indicated they failed to verify the monies owed, because if they had they would have known the traffic citations had been removed collections. Even so, they still took more money than required and did not apply the payments. There is an overpayment of {$620.00} that they refuse to return plus the 40 % collection fee they were NO LONGER ENTITLED TO. My attorney called Alliance One to discuss the matter and their position : Write a letter to a XXXX XXXX .

Company response to consumer: Closed with monetary relief