milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Deposits and withdrawals

Complaint: I contracted with XXXX XXXX Movers for services that were never performed.. Regardless of the performance, the contract drafted by vantage .... '' ..authorizethe above named business to charge credit card indicated in thisauthorization form according to the terms outlined above. ". The contractCLEARLY STATES .... '' ... XXXX XXXX authorize XXXX Auto Movers.. '' This contract is clear and even was also provided to me by the recklessaction of my bank BMO Harris which this dispute is with. I under nocircumstances do I nor did I authorized to release via my account with BMOHarris any amount of funds to XXXX. BMO Harris sent mean arbitruary unsigned letter with a copy of contract that no where indicatesany relationship to XXXX XXXX XXXX. Regardless of BMO Harris banknow claiming, without providing any proof, that they [ BMO Harris ] now say, without in any writing are authorized outside scope of contract deliver funds to XXXX XXXX XXXX which is clearly not the " above named '' nor woulddo business with them. BMO Harris is not authorized to release any funds ofmine to XXXX XXXX XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 and XXXX XXXX, 2016 I requested validation of a debt Nationwide Recovery Service ( NRS ) is reporting on my credit report. To date NRS has failed comply to FDCPA and FCRA ( the Acts ) regulations. ( see attached ) I will file separate legal action against NRS to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. 
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. 
This Agency has the authority and jurisdiction under Section 621 of 15 U.S.C 1681s to recover penalties on my behalf instead of filing legal action on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted Equifax & XXXX credit reporting agencies on two different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.

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 01-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: I paid off my credit card in full on XX/XX/XXXX with Bank of America on a closed account. On XX/XX/XXXX I received a bill from Bank of America for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten months.

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 07/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (NY).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a bill with a XXXX balance from Key Bank, opened in my name. I received it one day after my mother, who banks with Key, received the same type of bill. Neither of us has ever held or currently hold a credit card or debit card from Key. I did not request a card be opened nor do I have a personal banking relationship with Key. I am a " signer '' on my mother accounts in case of emergency. <P/>Key bank indicated these cards were an error and had been pulled from an old system and bills sent out. As stated, I have never had any credit card from Key bank or From its previous owner XXXX XXXX. <P/>Key bank did not have a clear answer as to why this bill was sent other than a computer problem. However they did indicate it would show up on my credit report. I have not spoken to, written to or requested a card from Key bank at any point it my life. <P/>I believe Key Bank is systemically and fraudulently opening accounts - much like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Money transfers (Domestic (US) money transfer) with DISCOVER BANK (TX).
Issue: Other transaction issues

Complaint: I initiated a transfer of funds from two CD IRAs I had at Discover Bank to my XXXX account as I am close to retirement. XXXX submitted the requests within the grace period following the maturity of the CDs. I received over several months numerous calls from Discover Bank stating the transfer paperwork was wrong. My financial advisor contacted Discover, made whatever changes they required, and resubmitted the documents to their IRA department. After several months of trying to get the CDs tranferred, during which time I continued to receive calls from Discover Bank saying the transfer papers were not completed correctly, I spoke with a supervisor on XXXX XXXX who, after researching my account, told me that Discover was calling me about the initial submission and that he had no record of subsequent submissions. As my financial advisor had recently resubmitted all the paperwork and sent it overnight, I insisted he look further. He told me that he did finally find the most recent paperwork, and that the phone calls I was receiving were in response to our initial submission. The transfer went through but Discover assessed me penalties for early distribution of funds in an amount in excess of {$1000.00} based on their contention that the money was transferred after the grace period. After numerous calls, during which I explained that Discover Bank was responsible for the delay ( something that the supervisor I spoke with admitted to ) they told me they would not extend any consideration to me and would not refund the penalty fees. In addition, they were unwilling to provide me with a copy of my initial contract in which they claim they informed me of their penalty policy. After researching reviews of Discover Bank, I see that many people complain of the exact same situation : Discover Bank failing to process transfers of money to other accounts, and assessing excessive fees for doing so. What I initially thought was incompetence I now strongly suspect is a deliberate strategy to delay transfers and then XXXX excessive fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, 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 10/27/2016 about Debt collection (I do not know) with National Principal Group, LLC (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I continually get harrassing phone calls from a company called the NP group, and the phone numbers they call me from are phone number associated with companies who are on the FTC 's banned list. They claim that I took out a payday loan in 2011, which I did not. I have never taken out a payday loan in my life. They tell me that there are charges going to be filed against me and my husband for fraud and that if we do not pay them, they are going to have police officers show up at my house or my place of employment. They also call numerous family members and leave messages of this nature on their answering machines. I have several of the messages saved to my cellphone that they have left. I have asked them numerous times to stop contacting me by phone, and that if they believe it is truly a valid debt, to send me paperwork in the mail to substantiate that. That question only leads them to cuss me out and call me every name under the sun that I will not repeat.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed account XXXX with Experian on XXXX/XXXX/XXXX. I received an update XXXX/XXXX/XXXX that the status of the account with remain the same. I also contacted the collection agency XXXX on or around XXXX/XXXX/XXXX to let them know that I am disputing this account and they told me they were going to conduct an investigation. I also filed a complaint with CFPB under XXXX that attached the bills from XXXX. Upon review of the bill, I noticed that they did not make the proper adjustments according to my disconnect request made on XXXX/XXXX/XXXX. XXXX billed me for XXXX XXXX thru XXXX XXXX because they failed to disconnect my service on XXXX/XXXX/XXXX. I then received a bill and XXXX told me they were going to adjust my account for the bill date XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, but they still did not credit my account. Since XXXX did not adjust my bill for XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, it caused my account to have a balance of {$270.00} that is now being report by XXXX. I called Experian letting them know that a failed adjustment cause the balance and investigation is still being conducted. I asked Experian how can I dispute this account and the rep told me by law they do not have to delete or supply anything related to credit report. I ask him ( Experian ) what I need to do, he told me to send/upload documents related to my dispute. I told him XXXX verbally told me they were going to adjust my account. He ( Experian ) said he can only re-dispute if I supply documents related to a verbal call I had with XXXX two years ago. I told Experian how can I support documentation of a verbal call from two years ago and why did the credit bureau did not question a collection items dated two years ago that is currently being reported by XXXX XX/XX/XXXX. This account is still under investigation with XXXX and XXXX. I believe the laws protect me from this negative reporting until the investigation is complete. I thought the collection item should be flag disputing until investigation is complete. At this moment, there is not flag and I can not re-dispute unless I upload a document, which I feel is totally unfair. At the end of the day, who is there to protect consumers from these type of issues. This is so unfair and it should be required for a service company to send an email and letter to consumer when they request to terminate service for future instances that are similar to this particular issue.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.

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 04/23/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due, occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago, and WF remains uncooperative.

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 04-07-2015 about Debt collection (I do not know) with STERLING JEWELERS, INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.

Company response to consumer: Closed
Consumer complaint received 09-02-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Delinquent account

Complaint: My AMEX Macys credit card ( XXXX, XXXX ) company refuses to correct my account from 60 days past due, per their error in processing my return, to that of a {$0.00} balance, no late payment. Despite my efforts for the past 3+ months to have them correct my account and forward the correction to the credit bureaus ( XXXX , XXXX , XXXX ), they refuse to do so and forward a statement of said correction to my attention. 

At present, XXXX documents payment status as " current, was past due 60 days. '' Moreover, they document 60 days late for XXXX 2016. 

XXXX, too, documents 60 days late for XXXX 2016. 

I have never been late in making payments. The accounting error stems from the fact that they did n't process a product return and allowed for finances charges to accrue thereby generating erroneous late payment notifications.

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 10/15/2016 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.

Company response to consumer: Closed with explanation