milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Debt collection (Medical debt) with WESTERN ALLIANCE BANCORPORATION (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a voicemail on  XXXX / XXXX /   17  @  XXXX    XXXX   from Western Alliance Bank which mentioned they are attempting to reach me about a payment due on my   XXXX   XXXX   Account ; the message was a robot call ; which never Identified me by name nor did it read the Min i Miranda w hile listening to the message via my Blue Tooth thru my speakers in my automobile in the presence of my co-workers. I was very embarrassed and I also felt harassed at the same time. Afterwards, on  XXXX / XXXX /   17  I called their Customer Service Number at #  XXXX  and I spoke to a Rep named  XXXX  who successfully transferred me to a Supervisor named  XXXX . I expressed my concerns to  XXXX  that i felt violated by the verbiage in the message which made mentioned of my account & my payment is due.  <P/> At the time of the robot c all may to tal balance was {$210.00} for which i make monthly payments online. I did mention to her that i was not running from my responsibilities and my nearl y two yea r payment history of $  XXXX /Month should reflect it.  XXXX  agreed to pass along my concerns over to  her Superior and/or Compliance De partment.  XXXX  did call me back by the end of the same day to confirm message was passed along to the proper area.  <P/> On  XXXX / XXXX / 17  after no returned calls, I called and i left a message with an other Rep. On   XXXX / XXXX / 17  I spoke with  XXXX   XXXX   XXXX   ( O verseas total operation ) he proceeded to confirm he was aware of my concerns and he feels that no violation t ook place & i w ould be happy to send the Terms & Agreements of my contract that i agreed to receive calls. I advised him that per the FDCPA and TCPA the violation was about the content/verbiage of the robot call ONLY and i was owed $  XXXX  - $  XXXX  per violation.  XXXX   XXXX  proceeded to brush me off several times and he continued to offer the Terms & Agreements again. I did offer to provide a copy of the message as proof of said violation.   Finally, we disagreed on the outcome the call with zero resolution from their end.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with Equifax and XXXX. 
My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Good afternoon. 

On XX/XX/XXXX I started receiving calls and letters from different collection companies trying to collect money to pay debts as result of unpaid accounts which someone else opened using my name as related with the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX without my authorization, It was the result of an Identity theft that I was a victim while I was serving XXXX as XXXX XXXX XXXX. 
The companies from where the letters came from were XXXX XXXX XXXX and XXXX. 
I took care when I found out the issue making a report with XXXX Police Department XXXX, and sending letters to all XXXX Credit Bureaus. 
I informed the companies that I 've never had relation with the mentioned address explaining the issue but them requested from me a lot of papers as copies of Social Security number, Driver License, prove of the last XXXX address where I lived, Bank Statements, etc. I considered the requested absolutely unsafe and unfair, all those papers according with them were needed to prove that I was not the one owing them money '' '' '' '' '' '' Even though in XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX where they informed me about the decision to discontinue collection efforts related with XXXX account, on XX/XX/XXXX I received again another letter and calls from a different company : Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXXThe letter again trying to collect money, it looks that XXXX company is still passing info or selling the debt company by company after almost 2 years since the incident started. 
In the attached documents you can find in page number XXXX the letter from XXXX XXXX closing the case, and in page number XXXX Convergent letter dated on XX/XX/XXXX starting again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: USAA has treated me in an completely inexcusable manner since XX/XX/XXXX/XX/XX/XXXX of this year. My phone was hacked and deposit were made between my linked bank account with USAA and USAA. I received a completely new phone. Show USAA that I had ordered a new phone and turned my old phone in still they continued to called a fraud and state that I was committing bank fraud. They told me I was lying and their representative actually had me sobbing at her unnecessary and unfunded idea that I committed fraud. After that I spoke with USAA almost constantly. I agreed to make payments to pay down the debt of {$50.00} bi-weekly. On XX/XX/2016 USAA said the account had been paid off. The statement online show this. They issued me a refund check for the amount of overage. Yet today when I called on XXXX I still did not have full access to the website. In my attempt to correct this I received at least XXXX transfers. Each transfer gave me more and more incorrect information. I was on the phone with them for a total on XXXX hour. Finally I demanded to speak to a XXXX who was able to resolve the issue. I was bounced between web banking and accounting and checking department. I was told there was still a block. I was told I needed to open another account. I was told time and time again this was the wrong department. This entire experience was made horrible my USAA who continued to ignore me as a customer. Ignore my legitimate claims that the transfers where not by me. Simply a virus that got into my phone. Even with provided proof from XXXX and my cell phone provider that I had gotten a new phone and errors occurred with the previous phone they did not listen. I experienced this same. Well it 's all your fault attitude from the company told as I explained to representative after representative that I had paid the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NM).
Issue: Taking out the loan or lease

Complaint: I would like someone to investigate my vehicle loan with capital chrysler. They financed a XXXX XXXX for me in XXXX XXXX for the amount of {>= $1,000,000}. Payments to begin on XXXX XXXX in the amount of {$710.00} a month. We are in XXXX XXXX still oweing {$29000.00}. According to my payment history most of payments have gone to interest and {$260.00} to late fees. We would like to trade the vehicle in, an are not able to as they are showing we still owe what we financed after 2 years alomost 3. They are not appling all payment where should be. They barley contcted me now in XXXX XXXX that we missed our 2nd payment. In XXXX XXXX I made 2 payments to cover the XXXX payment. they never applied it and continued to move on and apply to next payment. they are showing we are more than 80 days past due which I do not agree with. I have asked the president of chrysler capital to contact me which has not to this day of XXXX XXXX XXXX to resolve this issue. I feel my money had been robbed from us and we have no clue where it has gone for the past 2.5 years. I feel what they are doing to my money and loan is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There should be no late payments, as I set my loan to be deferred until after graduation. Also, it seems as though there are inaccuracies within the loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account

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 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2016, IC Systems placed a derogatory report on my credit report for what is described as " XXXX XXXX ''. I was never contacted about this account. I have disputed that this account belongs to me with the credit bureaus. By Law, IC Systems is required to contact me and at my request, provide me with proof of who owns the debt, who owes the debt, what the debt was for and the time frame the debt encompasses. IC Systems has done none of this. In fact, they have violated several FTC rules : 1 ) Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. I was NEVER contacted ... ... EVER. 2 ) Debt Collectors may not : give false credit information about you to anyone, including a credit reporting company. By reporting to the credit agencies without contacting me and proving/validating the debt, they are providing false information to the credit reporting agencies. 
If the debt is indeed mine, it is over six years which is the Statute of Limitations in Arizona. This also makes the debt noncollectable. What IC Systems is doing is fraudulent and intimidating. Plus, my credit score dropped XXXX points the day their report hit 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax potentially released my sensitive personal information to sources that were not approved by myself. This could have an impact on my financial records into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (I do not know) with TekCollect Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was just called XXXX times in the last 10 Min. by the same phone number. i blocked them and the calls just kept coming.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi I 've been having an error address in my credit report history for years now. It links my name with a XXXX State address at XXXX XXXX, I have never lived in that state, I have reside at XXXX, XXXX for all my life. I have made a police report on this matter years ago but nothing has been resolved. I have put my social security on a three months fraud alert every now and then. This address have had Fraudulent phone account and cable satteliite on my name before which i had disputed. I 've been wanting to fix this problem but i have hit brick walls with this issue, what else or whom can i speak to. Please someone help me i would like to build my credit score for future house owner but i am scare if someone will keep using my info for fraudulent activities. ME MYSELF CANT EVEN QUALIFY FOR ANYTHING LIKE MAGAZINES SUBSCRIBING OR CREDIT CARDS BECAUSE OF MY SOCIAL SECURITY ALERT THAT I HAD TO MAKE FOR FUTURE FRAUDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.

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 09/27/2017 about Debt collection (Credit card debt) with Halsted Financial Services, LLC. (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Today, XXXX XXXX, they shared my personal information regarding a debt with my father without my permission. They also sent him an email to his email address regarding my debt. As far as I am aware, this is highly illegal since I am over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was a customer of Caliber Home Loans. When I refinanced, they failed to fully return my property tax escrow. I went to the county tax assessor and confirmed that a disbursement Caliber claims they made was never paid out. Twice I have opened a case with Caliber. They tell me I have to wait two weeks for a resolution and that they are escalating. Twice now they have 'accidentally ' closed it and told me I have to start all over again. I feel they are trying to keep my money ( over {$2000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Customer service / Customer relations

Complaint: This complaint is about Citibank/Home Depot credit card. I always pay this card on-line through my checking account. On XX/XX/XXXX ( or there abouts ) at XXXX I submitted a payment on line, only to realize I had used the wrong ( old ) bank account info, which did not have the funds to pay the check. I immediately called, the person at Citibank said they could do nothing because it was after XXXX. I traveled to the nearest Home Depot that evening, paid my payment in cash. I called again the next day, the person helping me said nothing could be done, they had no procedure to withdraw a payment. 
When the check was returned 3x and I was charged a large fee each time, I called them again and was told they would continue to submit the check, they had no way to stop any payments. I was able to put a stop payment on at the bank, so nothing further was paid. The fees I had to pay to the bank nearly equaled my monthly 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 monetary relief