milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Medical) with Collection Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea why I have this. I have had insurance and it all should of been covered under it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with STERLING INFOSYSTEMS INC (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently applied for employment with XXXX XXXX in XXXX XXXX, Texas. As part of the application process I submitted to a background investigation. I was later notified that my investigation results had me ineligible for employment by XXXX and that the decision was based on information outlined in the report conducted by Sterling XXXX. The report contains information of a firearm conviction for a XXXX, by comparison my name is XXXX. I have never used an alias, but Sterling XXXX saw fit to utilize aliases using variations of my name and submitted these findings to my prospective employer. I was later notified and informed that my offer of employment had been withdrawn as a result of this erroneous information. To clarify this matter I acquired XXXX separate background investigations, XXXX from the XXXX Bureau of Investigation and the other from the XXXX Sheriffs Department. Neither of these reports contained the lengthy and misleading info found in Sterling XXXX report. I fully believe that the erroneous information regarding firearms convictions resuted in my loss of employment opportunities that would have led to management opportunities with the largest employer in the country.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: fraudulent charges on my credit card reported immediately and was told resolved yet showed up on my monthly billing statement. I spoke to representative and supervisers several time acknowledged over the phone all of the disputed charges. an email confirmation disputed charges was made.. assurance of 48 hours to resolve twice in 10 days. I have spent total of 10 days and 11 hours of my precious time I have early fraud warning and zero liabilty on my card benefit yet no resolution

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up. 
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX? 
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for XXXX andTransUnion.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Problem with fraud alerts or security freezes

Complaint: Around XX/XX/XXXX I tried to remove my security freeze online. It told me to fill out a form to mail to Experian which I did on XX/XX/XXXX. I also enclosed supporting documentation. I have not yet heard back from Experian. Tonight I tried to upload the documentation on Experian 's website but I received this error : Important Note : We were unable to upload your document ( s ) successfully. This site will accept up to five documents in PDF or TIFF format totaling 15 megabytes. Please review your request and try again. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. All the documentation I uploaded was the correct format and totaled less than 15mb so I 'm not sure why it would n't accept it.

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 11/13/2015 about Credit card () with U.S. BANCORP (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have been trying with no success for an explanation or an investigation into a debt on a credit card I have with Elan Financial which I havenever used .This came to my notice when I applied for a mortgagetwo months ago.I requested a statement from Elan which they sent, onthe statement there are XXXX transactions with sidetick ( phone number ) XXXX, I am 100 % sure I never used my credit card for anypurchase since I got it, I have been calling ELAN financial since thentrying to get them to investigate the matter so it is taken off my credit, theyhave not been professional about it, some of the customer service people have been very rude, some do not know what to do and just transfer meto other departments, I can be on the phone for about an hour and betransferred to about XXXX different times to different departments, I speak to someone in fraud, who will then transfer me some where elselike collection, collection will also transfer me back, I get so fraustrated, they dont even update my information when i tell them, it is obvious noneof the customer service people care..I have tried onserveral ocations with no luck.I have even spoken to some supervisorswho will say they are starting a case for me, and that someone from fraudwill get back to me, but I later find out nothinghad been done because when I call the next time, they tell me the same thing.This has been going on for about two monthsd. 
Yersterday after trying for a long while, I got some one who once againtold me she was opening a case for me, but annoyed me by saying thecase may not be pursued because it is over a year the last transactionwas made.I tell her that is wrong because I never used the card, the transaction on the card was not made by me and I am sure they can find out if they wanted. 
I now feel like I am being robbed by Elan Finanacial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Cedars Business Services, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX 2016 I purchased some items from XXXX with a valid credit card. I saw the items pending on my account, received the items. In the month of XX/XX/XXXX they tried to recharge my same credit card for the amount again, I stopped payment. They called me and asked for another credit card number they could charge and I refused because i believed I had paid them already. They sent me to collections and the day I received something in the mail I called. The collection agency claimed they never received payment from my card and that they had put to 360 days to recharge my account legally. I contacted my credit card and confirmed that they never finalized the transacting in the 90 days it sat pending and so it fell off. My XXXX account said they can not legally charge my credit card 4 months later because they made a mistake. I am now being threatened with fees and court over this issue that is a result of poor management.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (FL).
Issue: Account opening, closing, or management

Complaint: I have an interest Chequing account with Ally Bank. The account number, routing number, my signature, home address, date of birth and other vital information was compromised. I called the bank ( also in writing via their secure message process XXXX to confirm that someone having the above information ( and more ) would be able to access the account and withdraw all the funds. The bank representative confirmed that this is the case. I accordingly requested that to prevent such from happening, that they open an identical account, transfer the funds from the compromised account to the identical account and close the compromised account, thus being proactive and preventing any possibility of the party involved carrying out the possible fraud, in this case, robbing me of all the funds in the account, with the ability to do it over and over indefinitely. 
They would not do it at the time I had them on the phone, saying they needed a few days to process the request. I knew that meant they would not do it and my suspicion was confirmed when I received a letter from them saying that because of my credit they could not do what I am asking. This is nonsense since I am not a new customer and I ALREADY have an account with them. All they have to do is as I have outlined herein and avoid the potential and highly likely fraud from happening. This has NOTHING to do with my credit. I already have an account with them and all I want is an identical account, but with a new account number, so the crooks can not steal the little money I have that I need to survive ( eat and pay bills and sometimes not even able to do that ). HELP! This is life and death for me and not a joke at any level. I am barely surviving and it would be catastrophic if one penny was stolen from me. In fact although I do not have or want Overdraft Protection, Ally Bank continually charges me Overdraft Fees of {$25.00} and that means my bills do not get paid and/or I have not money for food. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Auto) with Mark A. Kirkorsky, PC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I received notification from Bank of America that my mortgage was increasing over {$400.00} per month due to the program Countrywide placed me and my ex husband on 10 years ago. When I inquired on options they placed me with the loss department advised me to contact bk and or foreclosure attorney and suggested a short sale. I have never been late on my payments and they are saying I need to proof a hardship. They are also stating they will not proceed with my request until my ex husband quit claims the property over to me first even though we have a divorce decree and I was awarded my home in 2008. When I asked why they can not record the deed at closing they stated investor guidelines require the quit claim first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.

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 07/20/2015 about Debt collection (I do not know) with Solidus Group LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call on the morning of XXXX/XXXX/15 at XXXX. I called back the number at XXXX and let the person who answered know that I was returning a call to this number. The person on the phone confirmed my name and last XXXX of my social security. He proceeded to tell me his name was XXXX and that he was one of the Supervisors there. He did NOT tell me that he was trying to collect a debt or that he was a debt collector, he did tell me that he was calling because I had committed a fraudulent act by writing a bad check to XXXX XXXX XXXX and if I did not talk to him he would forward my paperwork to the proper authorities and inferred that I could be thrown in jail. He almost gave me a XXXX!! 

Knowing that I had not written a bad check to anyone I requested that he send all paperwork to the police, since writing a bad check is illegal. I also let him know that I have an account with that bank. He then threatened me again that he would be forwarding my case to the proper authorities. I then ended the call. i calmed myself down and called the same number back and got a female. I explained what had happened and told her I would be filing a complaint with the Attorney General. I asked for her company name and address she would not give it to me. She asked for my name and said I was not even in her system. I requested her company info again and she transferred me to another female. I again explained my story and requested her company name. She asked me if the word Jail was mentioned and I confirmed it was - I also let her know that I was threatened by this guy and if she has recordings she confirmed that conversations are recorded. She requested my name and after searching her system she said that they were a debt collection company trying to collect on a XXXX payday loan. I told her that this XXXX person told me it was a bad check written to XXXX. She gave me the address of her company and would no longer respond to me so I hung up. She told me that the guy I spoke with was a XXXX XXXX XXXX and he was not a supervisor. 

The Company does business as : Clear Credit Solutions at XXXX XXXX XXXX # XXXX, XXXX Delaware XXXX believe that what was done to me was extremely threatening and hostile! I got XXXX when he told me that I had broken some law and was subject to some type of penalty including jail. I believe that this company rep has crossed a line that is illegal and I would like to pursue legal justice.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!

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 02/25/2016 about Debt collection (Payday loan) with American Credit Resolution, Incorporated (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, 2016 I was contacted on my mobile phone and work phone by XXXX XXXX from American Credit Resolution XXXX XXXX ) XXXX. He was supposed to be a debt collector for XXXX Payday loans. I owed XXXX a debt of {$150.00}. ACR claimed they were calling to collect the debt, threatened that a courier would be coming out to my workplace or home to deliver a subpoena to go to court. He was asking for a total of {$3000.00}, because the {$150.00} had accrued a high amount of interested. I told him it was no way I was paying that and the only amount I would pay was the amount I owed. We agreed to settle at {$180.00} as long as the payment was made that day. I then proceeded to give him my debit card information and the funds were taking from my bank account on XXXX XXXX. I may have given him my social security number, however I can not recall. I really believed he was representing XXXX, because I was aware that I had an outstanding payment of {$150.00}. This guy new everything about me and the loan I had with XXXX. On XXXX XXXX I received a phone call from XXXX trying to obtain the {$150.00} payment. I advised them that I paid it on XXXX XXXX with American Credit Resolution. They then informed me that they have their own inside credit collections department and would never use a collection agency to collect their debts. They also mentioned that several of their customers mentioned being contact by ACR. When ACR withdrew the funds from my back it was listed as American Credit Resolution XXXX XXXX XXXX XXXX XXXX. I have since changed my bank account and debit card information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 11/25/2017 about Debt collection (Credit card debt) with Colony Brands, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt needs to remove off of my credit report ... sent in a DEBT VALADATION LETTER TO XXXX XXXX in XXXX 2017. They have not vi the DEBT and this not my DEBT. I have toward all info including letters and certified sign return receipt to all 3 credit bureau and XXXX will not remove it and they have all PROOF that I have mailed XXXX XXXX to vi debt

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (CA).
Issue: Managing the loan or lease

Complaint: In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX set up the payment schedule as bi-weekly to coordinate with my paydays. The due date since I entered the contract is the payment to be withdrawn from my checking account the Saturday after my bi-weekly Friday payday. Now, this is the date that the dealership arranged not me. Just recently XXXX XXXX XXXX became XXXX and its been brought to my attention 2 years into this contract that my payment is consecutively late each payment ( twice monthly of $ XXXX monthly on a XXXX pay period month, if there is XXXX pay periods total monthly payment is {$690.00} ) at 19 % interest Im being charged late fees. Now, this was not my error or doing and I would like my account credited from the time of purchase to present being that Im paying extra interest and late fees for their doing. I 've made every payment on time to my contract and if the contract was written to pay late then that 's a serious concern to me since I feel as if theyre ripping me off. I was told my payout for this XXXX XXXX XXXX is still over XXXX. This is an outrage!

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 02/27/2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation