milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. 

However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. 

To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Torriere Holdings INC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Spire Recovery has contacted me about a credit card from 2007 or so that i apparently still owe. I have not used that card in many years and it has been taken care of. After researching this company, I am not alone. I was very calm on the phone to ask them to send me formal documentation via mail and they have not. They claim that they did and that I 'm avoiding payment. The number is XXXX and XXXX based out of New York. They are threatening to diminish my credit. I refuse to pay over the phone for a claim that has not been formally given to me. They asked if I had a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is  unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much

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 11/16/2016 about Mortgage (Conventional fixed mortgage) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am unfortunate enough to have my mortgage loan through this terrible firm. My mortgage broker repeatedly failed to correct errors in the paperwork even after I pointed them out. Ultimately we closed on the house. So at closing I paid XXXX dollars, all parties signed documents agreed that all cost were paid and my mortgage would be XXXX $ including escrow. I was so wrong. 
Less than a week after closing my insurance agent contacted me to say my homeowners insurance needed to be paid. She said she called the bank and they refused to pay it. Turns out they forgot to include that cost ... ooops. So a week after paying XXXX dollars, I had three days to pay another XXXX. Let me point out I am hearing all of this from the insurance agent, not the bank. In fact I never heard from the bank at all. Like a good human beings I paid the insurance, because it was owed. When it came time to pay my mortgage suddenly I owe XXXX $ a month. The reason is because I have to have escrow because like most regular people, I could n't put down XXXX % and pay all the processing fees. But the whole problem begins because my bankers ca n't count, failed to process information properly and almost caused my insurance to lapse. Yet, they want to be sure the insurance money is there for next year, because that ca n't trust it will be paid. After I called to complain magically a letter shows up from the bank forwarded from my previous address prior to buying a home through them and weeks after all our address changes were processed saying we miscalculated and you got ta pay. 
I opened a checking account with First Citizens with sole purpose of paying the mortgage. It is here I encounter more errors on the part of the bank. They could not link the mortgage with my new account because the names did not match. Turns out that I was listed with my last name first on either the account I opened or my mortgage. This means they allowed a XXXX dollar loan to be opened with a name that does n't match my SSN, or they allowed checking accounts to be opened when the name does n't match the SSN. The fact this error can even be made makes me worry people have all kinds of accounts and loans linked to my SSN if they are n't required to at least verify the name matches the SSN. I could go on with more complaints about careless errors that have real impact on people 's lives. I 've only done business with first citizens for one month and already they are the worse company I have ever worked with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter regarding an MBNA credit card account that was written off at least 10 years ago. The bottom of the letter states that unless I dispute the debt within 30 days, the debt collector will obtain a judgment.

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 09-01-2015 about Credit reporting () with National Credit Systems,Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the amount shown is way out of proportionit was XXXX how did it go to XXXX that 's just wrong its much XXXX costed 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 07/29/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Billing disputes

Complaint: Hello on XXXX XXXX 2016 we purchased XXXX round trip tickets from a travel agent called XXXX for travel date of XXXX XXXX from XXXX to XXXX and then to XXXX and to return on the XXXX of XXXX XXXX and then XXXX when we reached the airport for our return flight they would not let us on the flight saying we were never supposed to be sold these tickets we waited for the time difference and called the agent he said he will take care of it he later said he booked us on XXXX no mention of any charges and why would there be any? its his mistake when i got back on sat we found out he had called our daughter that night and told here that those tickets where around {$2400.00} which we never authorized he asked me for the credit card number i used to buy the original tickets so i did a dispute with wells fargo they took the info and i called monday to confirm they said that they couldnt talk to me till the primary on the card gave them authorization to talk to me which he did then they gave me 3 diffrent stories the final one is that the can only dispute the portion of the sale that i didnt use i tried to explain to them that i bought XXXX round trip tickets for XXXX not XXXX - XXXX the difference i did not authorize the XXXX and just thought he put us with another air line i agreed with and purchased XXXX round trip tickets for XXXX wells fargo should protect their clients from theft fraud or crocked merchents which in this case they are protecting the con artist

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 09/25/2015 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection company has reaged my debt without my permission causing in my credit score to plummet GEN BUS RECXXXX XXXX XXXX XX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency GEN BUS RECOriginal Creditor XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsGENERAL BUS RECOVERIES XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: This is continuation of my Case number : XXXX on XX/XX/XXXX I specifically was told my citi bank customer service account manager XXXX that my account had been closed. She also added to reopen the account my credit needed to be pulled again. I refused, and said no, I do not think that should happen as I did everything as a customer to resolve the issue 's and I have another credit card active with you so you do n't need to do that. She then recommended I write to the president to request my account be opened without pulling my credit. 

Today XX/XX/XXXX I spoke to XXXX, and she let me know my account was reopened and the bank did pull my credit. I was surprised to hear this, as I specifically told the agent the day before since the bank decided to close my account without notifying me, I did n't want to reopen it if they were to pull my credit and I will handle on my own and write to the president. It did n't matter, Citi bank then opened my citi card account and did n't care and still pulled my credit. 

CFPB, Is that the right way to handle customers? I have banked with them 4 year 's and have XXXX credit cards with them and pay on time. The returned payment was the reason they closed my account but it was ( XXXX ) transactions only because the checking account was no longer active, and I accidentally selected it in error but called immediately to resolve this and offset the negative balance by processing payment 's over the phone. 

I now have XXXX $ in returned fee 's and I requested those to be waived also due to this whole mess or opening and closing my account 's when they feel like it. Please help me, I feel helpless, and I have built my credit responsibility, and my score is now XXXX, I would not deserve the score to be affecte due to citi bank 's error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have a significant amount of student loans from law school which are now serviced through XXXX XXXX at myfedloan.org. I am on the IDR plan as I can not afford the minimum payments and I am required to recertify each year to stay on the IDR plan. I did so this year, filing the recertification on XXXX XXXX. On XXXX XXXX, I received a notice from XXXX  saying I had not yet recertified and that while my loans would remain on an IBR plan, my new monthly payment would be more than double what I had been paying. I reached out to them and was told they could put me on a forbearance until the certification issue had been cleared up and that is what I did. Later on XXXX XXXX I was told that my IDR plan recertification was approved. I emailed again on XXXX XXXX asking for clarification as to what happened and notifying XXXX that throughout the summer, my minimum payments had been {$0.00} ( despite my IDR plan being recertified in XXXX ). I was told on XXXX XXXX that they did not receive my recertifcation on time, despite submitting it days before their notice that I ( erroneously ) had n't yet recertified and thus my partial financial hardship payment on the IBR Repayment plan expired and the unpaid interest was added to the principal balance ( through capitalization ) and that this was unable to be reversed! I was never told this was a possibility and I have never had this problem before in years of paying off loans. Now my monthly payments are approximately the amount they had been before, but my current principal balances have increased by a total of about {$15000.00}! Is there anything that can be done? I 'm already going to be paying these loans for the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I opened a dispute with the credit bureau, TransUnion, regarding inaccurate information being in my credit report. In addition to opening the dispute, I also submitted supporting documentation to verify the inaccuracy. The credit bureau has not been any assistance with correcting the errors in my file and keeps claiming that the information has been verified by the creditor. 

The following accounts are being reported inaccurately : XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (I do not know) with Delta Management Associates, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Problems when you are unable to pay

Complaint: Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/2017 I sent all XXXX credit bureau letters to verified or removed items from my report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Its 30 days later and still have n't got any response.

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 08-02-2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.

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 04/13/2015 about Debt collection (Payday loan) with Solidus Group LLC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On  XXXX   XXXX ,    2017,  I was at the   XXXX   XXXX   in  XXXX ,  MD and I used m y ATM card to withdraw {$1500.00}. I have attached a copy of the receipt that was printed at t he casino th at night. The problem is that the machine only dispensed {$1100.00}. I immediately went to the customer service counter at  XXXX   XXXX , where I was told that they are not responsible for the machines that are on their premises. And my nightmare began.     I was given the name and phone number for the company that allegedly maintains and operates the ATM machine,  XXXX . The receipt states the terminal number and transaction number.  XXXX  also gave me the phone number  XXXX . I called  XXXX  at the toll-free number and I was immediately told that  XXXX  is not responsible for any dispensing errors. They said the only recourse is to talk to my bank,  Capital One.      First, I went to my branch of Capital  One  at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , Maryland  XXXX . I was told by the branch  manager  that I had to call their Claims Support Center. I called  Capital One  on  XXXX   XXXX  , 2017. T he claims representative at th e Claims Support Center at Capital One  took all the relevant information from me and told me they would investigate. I received a follow-up call on  XXXX   XXXX ,    2017, in forming me that I needed to fax a copy of my receipt. I did not have access to a fax machine and was trying to find a place to send a fax, but I just received the attached letter denying my claim.     I am at a complete loss about what is the next step I can take to address this consumer fraud and to receive reimbursement of the money that was taken from me by either   XXXX   XXXX   (  XXXX   ),  or  XXXX , or Capital One Bank. I have been unable to determine who is the ultimate regulatory agency that oversees these  XXXX  financial services companies and I have been unable to obtain a refund from any of these companies.

Company response to consumer: Closed with explanation