milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Accelerated Receivables Management, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a contract with safe touch. My records confirm the 3year contract with the company. The bill was forwarded to the collection agency XXXX. I spoke with a rep regarding the balance and advised her of the disputing information. She advise me otherwards and outright told me to pay the debt. I advised her that I needed validation of this debt. she went on and finaly hung up in my face. I then called back and asked to speak with a manager. A woman named XXXX XXXX falsley represented her self as a manager and placed male on the line that failed to confirm that he was a member of management. The call was then transferred over to XXXX XXXX whom automatically came off unprofessional. XXXX XXXX hung up the phone in my face after saying lets take this to court when trying to speak to him about the issue. In 8 attempts in calling back for help in obtaining the validation of debt they continued to hang up in my face. A rep finally picked up the phone and then transferred me to XXXX XXXX again and XXXX XXXX continued to prevent me from speaking to resolve the problem. After two other times in call and him hanging up in my face, he then stayed on the line only silent enough to give him the dates of my contract. XXXX XXXX then placed me on hold to finally pull up the contract confirming the dates. He then went on to tell me the last date in XXXX of 2016 I was past due. I attempted to advise him that the account was always paid ahead prior to the last payment that took the account out to either XXXX or XXXX without needing another payment. However continued to accuse me and of other things in which was untrue to the point where I couldnt take anymore. This company as well as XXXX has shown no signs of resolving this dispute. If the account was showing accurately arrangements would have been made, since this has been erroneously reported out to the credit agencies for my other creditors to see in which it will impact my annual review.

Company response to consumer: Untimely response
Consumer complaint received 07/14/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have a medical bill that goes back to 2012. The third party debt collector has not tried to contact me regarding this debt over all of these years. I have noticed that on my credit report that this bill collector is literally making inquires into my credit report every day. This is negatively affecting my credit score and I feel like this is being done purposely to affect my credit score in a vengeful way. I do not feel like this is legal due to the maliciousness of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In reviewing my credit reports I noticed that information on my Trans Union report had been deleted including XXXX tax liens and inquiries however at a closer look I noticed that the information that was deleted had been reinserted. Trans union had a glitch in it 's system that violated my rights as a consumer under section XXXX. As result I 'm asking that all inquiries and public records be removed as it has gravely affected me and my credit score is suffering as result of this action

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 07/14/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have another company charging me XXXX for medical bills that my insurance is supposed to pay. I have no clue why they are charging me because I havent been to the hospital that many times ... so why are they charging me. Why do I have insurance if it dont take care of medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with Collection Consultants of California (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I initially called the company Collection Consultants of California to dispute the accuracy of a single derogatory remark on my credit report. After I disputed this information, the company then listed XXXX other separate remarks for various amounts on my report. I called to try to pay the amounts that are listed on my report and they said that it would n't matter because I have many amounts that are due to this company. Not only are some of them over XXXX years old, I 've contacted the originator of the claims. If these are all debts from XXXX creditor being sent to XXXX collection agency, they should only be listed on my report once, not four times. This should be considered illegal, especially because I feel that this was done purposefully by their staff after I submitted my original dispute. If they are listed individually on my report, I should be able to pay them individually to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Balance transfer

Complaint: I received a credit card offer to transfer funds for 0 %, I responded to the offer on XX/XX/XXXX. The only reason for opening an additional credit card was to take advantage of the balance transfer. I called on XX/XX/XXXX to follow up on the transfer and was told it would take 7-10 business days. I called again today to follow up and was told it would take 10-14 business days and that their records indicate that I did not request this until XX/XX/XXXX and I should see it post by XX/XX/XXXX. I spoke to a supervisor who stated that a check will be mailed to me in 7-10 business days. I have never had a balance transfer on a credit card be sent personally to me as a check. I am furious that I jeopardized my credit by opening an additional credit card with a specific purpose to do a balance transfer and they are XXXX around with it, not processing it and not processing it per normal industry standards. I spoke to a different supervisor asking to cancel this transaction so I can take my business elsewhere. That being said, I 'm not stuck with this credit card on I do not want or intend to use. Wells Fargo needs to be investigated for their practices.

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 06/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarFinance Capital LLC (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

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 07-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I pay a person have service online and trues to get back to help get a reply anything never answered keeps ignoring me furthermore more told me to deposit  XXXX  dollar send him and kept my money ik its not nuch but seriously its better to keep this people away from keep doing it at paypal got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with ERC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,    2017, I  sent a certified letter t o Enhanced Recovery Company, LLC a nd  XXXX   XXXX  requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd  XXXX   XXXX  on  XXXX   XXXX  , 2017.    On  XXXX   XXXX  , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received.   On  XXXX   XXXX  , 2017, I sent  another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on  XXXX   XXXX ,    2017 after  they signed for the certified letter on  XXXX   XXXX ,    2017 a nd the information has yet to be updated to claim I have disputed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX of this year I opened an account with Bank of America and only used the account for my personal use no direct deposit thank XXXX but my friend would send me money from time to time so would n't have to deal with XXXX XXXX or XXXX.So as of the XX/XX/XXXX of XX/XX/XXXX I could n't use my online account and called and found out it was a hold on it and was told to give me the risk management department which was no help cause they could n't tell me XXXX only saying that the bank decided to close the account and it was being reviewed like all accounts do which is a bunch of bull cause if there was an issue most banks will call you or give you a heads up they did n't and not only that there is over 2000 dollars in the account and on the day they closed it they allowed my friend to put in a deposit that day which why would you do that if the account was being closed? Sounds like extortion to me and that they trying to keep my money.Then they tell me that they have to put in a request for me to even get my money really it 's MY MONEY not theres.People use banks to hold there money not the other way around they are the biggest crock of XXXX I know cause at the end of the day I need my money back they had absolutely no reason to close it period and if there was an issue why allow me to open an account anyways.But as I can see this is there practice and then they act like they ca n't tell you anything man bunk that I want my money like now cause they are the biggest crooks ever and I will keep making noise until I do get it back and get some real answers.Cause this is not right and a big XXXX fraud XXXX thieves and liers.

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 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. 
I guess communication was lost between them and XXXX. 
XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. 
I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. 
I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? 
I 'm not sure what this meant the gentleman was very hard to understand. 
I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. 
she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Please refer to my previous complaint # XXXX. 
Rather than resolving the issue - this adamant and customer unfriendly bank ( US Bank ) simply messed up this issue further. 
1 ) Neither I have online access.

2 ) Nor I am getting paper statement or any kind of notifications. 

Due to my relocation plus issues ( mentioned above ) when i reported this matter - CFPB did nothing. Moreover this bank took further advantage of this situation. 

Rather than helping me they escalated this matter more. 
I want my money back and immediate closure of this account. I want US Bank to pay for the return check fees also. 

If CFPB can not do anything or be a mute spectator - please let me know whom to reach out to?

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 05-03-2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (IA).
Issue: Problems when you are unable to pay

Complaint: Vehicle loan with Fifth Third Bank. I suffered a financial hardship and did a voluntary repossession of the vehicle. Fifth Third Bank sold the vehicle at auction. We then received multiple statements showing our balance was zero. Fifth Third Bank is now trying to collect {$4600.00}. We have disputed multiple times. Not I received notice from XXXX credit that the bank has filed a suit or judgement. 

XXXX/XXXX/2016 XXXX - Suit or Judgment New Suit or Judgment information has been added to or changed on your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (KS).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with CITIBANK, N.A. (NH).
Issue: Payoff process

Complaint: I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!

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 07-05-2017 about Debt collection (Auto debt) with Autovest, L.L.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX 2017 Autovest, LLC delivered an affidavit for garnishment to a training center that I work out of. I 'm an XXXX XXXX XXXX on XXXX full commissions contract with the company, so I travel a lot. When the forms were delivered by the Sheriff, I was out of town and the Office Manager signed for the documents, which validated the debt, by law she had to send it to the corporate office. While I was away I noticed that my commissions were short. When calling the home office to find out I discovered that this company was garnishing my checks. I was livid because, I never heard of this company before. And surprisingly, this company IS NOT even on my credit report. I contacted XXXX XXXX XXXX, the attorney 's that processed the order on behalf of Autovest, and they refused to give me any information. I then XXXX  Autovest, LLC and they refused to give me information and directed me back to the law firm. Getting frustrated. I contacted my attorney through XXXX XXXX to seek guidance. They instructed me to go to the court and get original debt documents. Well, the county that issued the court order did not have the original documents, it was sent to them as a foreign judgement from XXXX County, IN. So the XXXX XXXX  representative referred me to an law firm in XXXX county, they told me that because the debt was so old, it was out of jurisdiction for dispute and the only thing I can do is file bankruptcy. Well, filing bankruptcy, would bed pointless, because this debt is not on my credit report! So still I had no idea who the original creditor was, and was finally directed to the XXXX County Records company. There, I was able to get a copy of the original application, which was purchased from some car company called XXXX XXXX, with my name, d.o.b., etc. But I 've NEVER owned a XXXX and never lived at the address that 's on the application. The signature is definitely forged, and it does not have a Picture ID attached to the application. This has been so frustrating, because I 'm still being garnished out of my commissions for a debt that DEFINITELY DOES NOT belong to me. I 'm not yelling at you guys. I 'm just in need of serious help. I 'm exhausting all my options here. And its just not fair.

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 05/25/2017 about Debt collection (Payday loan debt) with Regional Mediation Associates LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Threatening to collect a debt without giving me a timely manner on how to figure this out

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on 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 non-monetary relief