milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with RGS Financial, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received call from this number XXXX times, on XXXX different days. 
I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX credit cards/XXXX XXXX Florida XXXX XXXX XXXX XXXX on my credit report in which I did not authorize. I want this off my credit report please with your assistance.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (I do not know) with ONLINE Information Services, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX XXXX Contacted extended family members of mine asking for me by my maiden name, which I 've been married for a long time. They claimed I had a debt and disclosed a dollar amount to the family members, but never stated what the debt was supposedly for, nor have they every contacted me. When I have tried to call it has either been a fast rapid busy signal or the person on the other end wants me to provide my SS # and personal information before they 'll speak with me about this supposed debt under my maiden name. I believe strongly it 's a scam, but regardless they keep calling other people, repeatedly badgering them, and stating each time different amounts that are supposedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with KEYCORP (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was in XXXX, Mi today, XXXX/XXXX/XXXX. I usually use a branch located in XXXX XXXX, Mi. I needed to withdraw {$500.00}, from an available balance of {$640.00}. I attempted to withdraw through the drive-through around XXXX at Key Bank- located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. After submitting my valid id and withdraw slip I waited 15 minutes to have the teller tell me I could not withdraw as the money was on hold. She said I could come into the branch and resolve this. At this point I had to wake up my XXXX XXXX XXXX and bring him inside with me to withdraw my money. I pulled up my online banking which clearly shows my total available balance. the tellers kept saying they could not see where my {$500.00} deposit originated. It came from my mother on XXXX, not that that is any of their business. It had cleared and always has instantly. I was told it had not " hard cleared ''. They could not explain why I could use my debit card, or withdraw from an atm but could not walk into a branch with valid ID and withdraw My available funds. I was being racially profiled and discriminated against in a suburban area. My finance withdrew {$330.00} from a branch in an urban area hours later with no problem. I called key customer service and filed a formal complaint. I asked about their policies and asked if the status of the funds had changed at all since I was inside of that bench. I was informed that the amount had been available I was denied access to My available funds. The customer service agent apologized and agreed that the funds should have been allowed with valid ID. I was told that was wrong and that someone would call and or email me. But no resolution came about. I took everyones names and am filing a complaint here because my civil rights have been violated. I am contacting a lawyer to pursue a lawsuit and dismantle illegal racial discrimination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1ST OF ALL I FILE CHAPTER XXXX BANKRUPTCY 2ND XXXX XXXX FAILED TO REPORT F.C.B..A. DISPUTE SEE Attached 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 non-monetary relief
Consumer complaint received 08/14/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Advertising and marketing

Complaint: A little over a year ago I enrolled in direct charge to my checking account to repay {$99.00} a month at a reduced interest rate, at the end of 1 year I was told that I was going back to the higher interest rate and the previous offer was only for one year, even though I was told that I could renew it every year. Very misleading. Also Discover advertises that you could redeem your bonuses anytime. Yet when I tried to redeam my bonus points I could not because I did not have {$25.00} in bonus. J also never gave them permission to put my credit score on my bill. Unfortunately I get my mail in XXXX XXXX and one of my bills went into someone elses box and it was opened. This happens quite often.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Closing/Cancelling account

Complaint: I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Forward to Equifax proof that original Debt from XXXX XXXX ; account was bought by XXXX XXXX XXXX. Equifax continually states that the debt is not in my Chapter XXXX bankruptcy documentation. Equifax clearly does not understand according to fair documentation of debt, if the debt is listed is chapter bankruptcy whether original Debt collector XXXX XXXX or the the new debt collector Holder XXXX XXXX XXXX, they must acknowledge that debt on my credit file as debt included in chapter XXXX bankruptcy. They have it listed under open and current debt never paid. They refuse to change or remove form open debt section, and list under closed account included in XXXX. I have repeated cases and documentation to show that I have forwarded a whole case file with my entire chapter XXXX BK, and they see the debtor listed, and refuse to update my credit profile as such. This is my 9 attempt through their website of legally trying to get my credit file current, and according to fair credit reporting agency. One of the biggest issue is wen you call you get an XXXX personnel states they can not understand what you say, or not abreast with current credit monitoring laws. It was stated to me, I due not have any legal right under fair credit reporting for updating these errors. I was even told regardless of my bankruptcy papers documented and clearly state the amount, date bankruptcy went into filing, and action they told me by phone it would not be fixed. Then I was told by Equifax personnel again a XXXX Rep, they did n't have documentation to confirm that I even had a bankruptcy. I forwarded three times by certified letter, and yet again they refuse to acknowledge and legally update to current BK information. Also they still refuse to remove the closed state lien off my file, especially when the state indicated in documentation that the state lien should not have never existed, cause I did n't have a lien in the first place. In clear heading at the bottom of the State Government affirmed documentation it states '' can not be listed on any credit agency website. '' Yet they refuse to acknowledge that saying documentation does not show that they can not list on web, indicated my personnel on phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to get my " annual free credit report '' from all three companies online. I was denied, online, by all XXXX. I printed the form and legibly filled it out with my information, I also copied, clear and legibly, my Utah Drivers Licence, US Passport, Employee ID ( with photo on a debit card ), Social Security card, Birth Certificate, utility bills & pay stub. The exact same " package '' was then mailed to all three credit reporting companies. XXXX has replied and sent me the " credit report ''. Experian replied with a form letter stating : " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity, or the information that you provided was not legible ''.

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 01/29/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Medical) with Sentry Recovery and Collections, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Someone called me up and told me I had a debt. They wanted me to go to their office and make payment arrangements. I asked for an invoice or a bill and they stated they would give me somthing in writing after I paid the bill. I told them the law requires that I receive something in writing regarding this debt within 5 days of intil contact. They sent me something in writing stating that I had 5 days to pay the debt in full. I do not believe this is right. Am I not allowed at least 30 days to refute and/or accept the debt once I receive written notification?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX is trying to collect a debt they bought from Capital One and they are no longer Licensed to operate in the state of Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that XXXX has not reported any updates on my credit reports, Equifax, XXXX and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the XXXX issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that XXXX only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Payday loan debt) with Red Cedar Associates LLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I recently had my information taken from a payday loan website. On XXXX/XXXX/XXXX at XXXX I recieved a phone call from an unknown number. As there was no caller ID, I allowed the call to go to voicemail. I recieved a minute-long voicemail from a woman Identifying herself as a XXXX XXXX. She said she was calling regarding some paperwork I need to sign for regarding a request placed under your name and social security number and I need to place you on my schedule regarding a claim that an office is looking to place against you. She said she placed me on her schedule for the XXXX of XXXX XXXX if I have any questions regarding the matter to call the office that had filed a complaint against me at XXXX reference number XXXX. 
Having worked in collections for nearly XXXX years I know that this is a tell tale sign of a debt collection scam or at best a scare tactic used by a collection agency which is in direct violation of the Fair Debt Collection Practices Act XXXX you arent supposed to impersonate a lawyer or process server ). 
Needless to say, I did not call back. A quick search via google for the number yieled nothing. As the woman who called didnt call from a known number or leave a company name and number for me to call back, I decided to ignore the call. 
The next day, at XXXX am I recieved another call from a blocked and unknown number. The same woman had called and left another message. She stated that as she had heard nothing different from the office who filed the complaint she would be moving forward with delivering papers that required my signature on the XXXX and that if I have any questions to call the company who filed at XXXX. 
This type or behavior was obviously supposed to be a lure, to get me to call back. 
I purposely waited until after business hours to call the number. After XXXX ring, the number was automatically forwarded to a voicemail box that stated Thank You For Calling Red Cedar Associates, our office is currently closed ... then it rambled off their hours of operation and asked me to leave a brief message. 
A quick google search of Red Cedar Associates brought me to their website and phone number. I called their number off of the website : XXXX, and it was the same exact mailbox. This company, weather they are a legit collection company or not, needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are hospital bills from a hospital in XXXX state dated from XXXX XXXX, but I moved out of XXXX state to XXXX on XXXX XXXX, XXXX, and I have not visited the hospital in question since around XX/XX/XXXX. I was robbed of my wallet XX/XX/XXXX, around XX/XX/XXXX or XX/XX/XXXX I believe, and it contained my original birth certificate as well as XXXX of my children 's original birth certificates, and my original issue Social Security card and my children 's SS cards. I believe my information had been used for fraudulent things and I would like help recovering my credit and fixing the fraud on my report, as well as a FULL credit report detailing all the ways my information has been used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with SCA Collections, Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This creditor has been notified of me being the Victim of Identity theft. This creditor has also been made aware of the police report that was filed and the result of someone being incarcerated for a Drivers License with my name. This Company is also aware that I have XXXX. I 've always had XXXX as an Insurance provider. This company is also aware that any bills I accumulate while I 'm insured by XXXX would 've been paid by XXXX. Additionally it is AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED BY XXXX FOR OUT OF POCKET MEDICAL EXPENSES.

Company response to consumer: Closed with explanation