milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX .XXXX clinic said I had a copay for {$960.00} which I paid upfront.I got a account XXXX and additional amount.I called then up and told them I have already paid it.They send my bill to a collection agency.I called and tell them I refuse to pay it because I have already paid it 1 year later the XXXX clinic send me a XXXX for XXXX for over payment I called the collection agency and offer to pay them They refused the amount .My credit record is ruined and they still do not want to listen to me or help me Why am I beiing punished if they could not do there work

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Other

Complaint: I had been looking for a new Credit Card to transfer a balance to and after reading some reviews, I saw that the Chase Slate card offered a 15 month 0 interest balance transfer option and no annual fees which would give me an opportunity to pay off the amount in that period without being charged interest. Perfect right? So I applied online and indicated I desired to transfer a my balance - close to {$8600.00} in the application. They also listed XXXX APRs - 13.24 %, 18.24 %, or 23.24 % that they offered and I would be placed in XXXX of these buckets. So they approved my application, but only for {$3500.00}, and also placed me into the worst APR bucket at 23.24 %. An account was opened and they initiated the balance transfer. Here is the problem - AT NO TIME DID I HAVE AN OPPORTUNITY TO APPROVE WHAT THEY OFFERED ME. If I had known they would not approve the full amount, for whatever reason, I would not have agreed to open the account. I also would not have agreed anyway on a 23.24 % APR which is absurd considering I have good credit standing and securable assets. It still is mind boggling why we allow credit card companies to even offer these high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a a unverified account from  BULL CITY FINANCIAL SOLUTIONS  #  XXXX . I had previously disputed this account. I have never done business with  BULL CITY FINANCIAL SOLUTIONS . Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that BULL CITY FINANCIAL SOLUTIONS Provide verification of the following  : 1. ) The  original Application or contract ; any signatured documents legally binding   XXXX   XXXX   to do business with said company.    2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest,   charges, or other fees placed on this account. I want to request that BULL CITY FINANCIAL SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a collections notice, with no info other than a doctor I 've never heard of named. No date of service, no anything. I spoke to XXXX who was extremely rude and said she ca n't give me any info, that I need to pay {$42.00}. I have paid ALL of my medical bills, and on time. She refused to give me any info on WHAT this bill is for unless they send me 'promise to pay ' letter which means Im then 'on the hook ' to pay this and agreeing to pay it by asking for info in writing?! Very concerning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account with citifinancial XXXX also known as pilot recievables XXXX that is clearly not mine i have since gotten a verified police report and notarized identity theft victims affidavit that has been notarized that has been deleted from all other bureaus because of it being clearly a result of identity theft that is still reporting on your bureau this fraudulent account that has been idenitifed as fraudulent needs to be removed asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: do not think I enjoy or have time to keep filing complaints but much remains unresolved. number one I  do not have as I previously requested the NOI from XX/XX/XXXX. I was sent one from XX/XX/XXXX when forclosure was never filed and I never got that either. Do not make allusions in your answer to the amount of complaints I file. I never have time for the horrible, untimely service you provide. Non specific and evasive. I submit there is none since I received nothing. Do not tell me to contact the law firm. Appropriate legal filings have been filed. Do not send me previous responses as all are not effective. Just like the one you will send here. I want NOI frpom XX/XX/XXXX that was sent to me supposedly that I never got. Its supposed to be sent certified mail. I submit I received nothing.Additionally, I do not understand the property tax explanation in the last response and want to know that what I sent in was applied exactly what is short in terms of what is short if I was current which I realize I am not. do not in your responses as has been done previously send me copies of previous answers this does nothing but annoy or tell me to call the foreclosure mill you are working with. Both are ineffective responses. For the record, while I called the home preservation specialist many times to cooperate with loan modification process and to receive clarity for what is needed. I never heard back. NEVER with messages left 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 02/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?

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 03/24/2017 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I have a mortgage account with Wells Fargo Bank. I had a overage in my escrow account which they sent me a check for. I do not have any other accounts with Wells Fargo Bank. I went into a branch to cash the check and was told I did not have an account with the bank and would need to pay a {$16.00} fee to cash the check which was made out to me and my wife drawn on Wells Fargo Bank. The branch manager got involved when I asked why a fee when I have an account and she told me the mortgage account did not count as an account for cashing a check. She suggested I could deposit it into my mortgage as a principal payment but would not cash it for cash. My wife has also signed the check but after discussing waiving the fee she refused to process the check without my wife present.

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 09-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Account opening, closing, or management

Complaint: Hello, On XXXX/XXXX/2015, I opened a new checking account with Citizen 's Bank in response to a promotional offer I received in the mail. The coupon mailer was titled " NEW TO THE NEIGHBORHOOD? '' and offered a {$200.00} credit within 145 days of opening the account ( as long as few basic requirements were met ). 

Several months went by and I still had n't received the credit. Multiple calls to customer service agents, supervisors, and the branch manager confirmed that all conditions of the promotional offer were satisfied - yet for some reason the credit was n't being applied. 

Since then I 've spent countless hours trying to resolve this issue with Citizen 's Bank - on the phone, faxing documents, and driving to various branch locations. 

At this point, Citizen 's Bank has claimed that the mailer must not have been addressed to me because they " ca n't find any record of sending it me. '' Thankfully I still have the original coupon. However, they punched out the smaller card in the middle and added it to my file when I first opened the account. Of course, now they ca n't find any record of it! It 's on this basis they 've concluded they do not need to fulfill the offer. 

In the meantime, I continue to be charged a {$9.00} per month inactivity fee - despite being assured that the fee would n't be charged while the account was in dispute. 

Apparently, I 'm not alone here either. A brief search online has revealed many other victims of this scam. Citizen 's Bank is clearly engaging in practices that are blatantly fraudulent and predatory. 

I 've hit the end of the road. Citizen 's Bank is simply refusing to honor their obligation. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with TrueAccord Corp. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Starting in XXXX 2016, I began receiving emails from XXXX XXXX XXXX, stating they were collecting on behalf of XXXX XXXX XXXX, a debt of roughly {$600.00}. Communication was addressed to XXXX XXXX, which is not my correct name. This is also not my debt, account, or anything to do with me personally. When I responded, stating that this was not me, and there was some kind of mistake, the email rate went up to a level of at least one per day, with different names attached to each email so there was no way to block them. I get no personal response, only continued emails that become more frightening over time. Without the response, I 'm not sure if this was just a mistake of an incorrect email address being used, or if this is an attempt at identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: As a consumer I know my rights when it comes to inaccurate information on my credit reports. Transunion has added multiple inquires on my report in the past months that I did authorize. I have placed fraud alerts on my accounts and security freezes just to prevent this on going issue from happening again. I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX aswell as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

XXXX XXXX from XXXX XXXX, XXXX + Finance Nfcu/visa Inquiry from XXXX XXXX, XXXX + Finance Discover Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Landmark Cu- Inquiry from XXXX XXXX, XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX Inquiry from XXXX 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 06/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have DiTech as a mortgage company. I sent an XX/XX/XXXX payment that they are not posting to my account. In the meantime they are sending me Default letters and ruining my credit. I have called Ditech, and they admit they know I have sent the payment, and they are working to correct the problem. They call harassing me for payment and then say oh we will work on getting it corrected but never do. I have faxed proof of payment and followed all their instructions, but they have already destroyed my credit. We were just reaching grade A credit after a long struggle with bankruptcy. We had planned to refinance away from DiTech, now we are stuck with their rude, insensitive, and awful customer service for years to come.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Making/receiving payments, sending money

Complaint: A bank account at Citi Bank is being used for wire fraud scam and Citi Bank does not act to shut down the individual. I recently got a message from XXXX saying they were not able to recover my money because Citi Bank responded that XXXX XXXX XXXX has taken the money. Citi Bank did not act on my request for a recall quickly enough. Citi Bank did not place a hold on the money reason for it being gone. Recall refs # XXXX, Wire transfer transaction number XXXX. The wire transfer was done from XXXX to Citi Bank.

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 09/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Late fee

Complaint: My husband lost his job in XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Capital One with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in 2011 with a balance of {$850.00} Old loan  accounts Closed accounts my ex-wife first name as current wife.

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 05-03-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On  XXXX / XXXX /  XXXX  , I noticed my  Capital One ch ecking account was debited {$210.00}. I did not authorize this transaction. I began to research where this transaction  may h ave came from and I noticed it was credited to my mother 's checking account. I contacted my mother and she verbalized she did not make this transaction nor is she allowed to. I contacted  Capital One  customer service and spoken with a representative who instructed me to have my mother contact them because the transaction was made to her account due to her account being overdraft. The representative stated once my mother contacted them the transaction would be reversed. I, then, contacted my mother and contacted  Capital One  customer service with my mother on the other line. We provided a new representative with our information when she then provided us with different information from what the first representative stated. She stated  Capital One has the right to take from any account with my mo ther 's name attached in order to make her account positive. My mother and I verbalized to the representative that this have never happen during the longevity of our membership with  Capital One.  The representative became very irate and began to practically yell at us the right of  Capital One to take from  a account. The representative was quite rude to my mother when my mother pulled up her policy disclosure stating, " If we mistakenly credit your account for funds to which you are not the rightful owner, we  may  deduct funds from your account, even if this causes your account to be overdraft. We  may do so at any time and without prior notice to you. '' My mother is not the rightful owner of the funds  taken out of my account. The only reason her name was placed on my account because I was a minor when my father was ordered to pay for child support by the state of Louisiana. I am now  XXXX  years of age. I have had many minor discrepancies with  Capital One , yet this has become major.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with Delta Management Associates, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal.

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 04-11-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They contacted my Grandmother and my Mother and stated that I had a Warrant out for my arrest for a felony bounced check. They verified doing this with my Grandmother upon me calling them, the representatives identified themselves as XXXX and Investigator XXXX with the XXXX XXXX XXXX for the State of Texas. The told me that they will be contacting XXXX XXXX and my XXXX XXXX over a debt held with Check and Go somewhere around 3 years ago in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit decision / Underwriting

Complaint: I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation