milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX 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 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have had a Wells Fargo Platinum credit card since XX/XX/XXXX. In the first two years I had an interest rate that was less than 10 %. In XX/XX/XXXX, I fell on hard times and was late a few times on my payment, so they increased my interest rate to 21 %. I quickly got caught back up and started making on time payments again. In fact, I have not been late in over 10 years and have a XXXX+ credit score, yet they kept my interest rate the same ( at 21 % ). I always felt I was being penalized wrongly and that they should reinstate a lower interest rate once I proved good payment history with them. Over the course of a decade, I have called their customer service and even visited my local branch. to see if they would lower my interest rate. There were interest rate promos for new customers that I was not " eligible '' for. Every time, I would be told that I was not eligible for a lower rate. I have even paid this card off in full on various occasions. They trust me enough to keep increasing my credit limit, however no break in the interest. 

I've had multiple accounts with this bank since XX/XX/XXXX so I have resisted changed banks because it would be quite a bit of work. 
I did some research on your website, and from what I can see, WF should be reviewing and assessing my account every 6 months, and that afte

r 6 on-time payments I should have been eligible for a lower interest rate even if it is not as low as my original one. I am hoping you can help get this resolved. I know in my heart that they are taking advantage of me with excess interest rates. Thank you kindly!

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 11/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Wakefield & Associates XXXX, CO XXXX, is stating I owe Overdraft Fees from a XXXX Checking Account from XXXX, nearly 12 years ago. The Statue of Limitations in Colorado is 6 years. U.S. Bank lost a {$XXXX} XXXX Lawsuit in XXXX over Overdraft Fees, I have never been given a chance to dispute this, they claim they served me on XX/XX/XXXX, this is not the case I was never served and have now on XX/XX/XXXX gone to XXXX Colorado Court and filed a judgement lowering my credit score

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 10/28/2017 about Debt collection (Credit card debt) with Persolve, LLC - Legal - Series 2 (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am writing to report a debt collection agency called Persolve LLC. They are located in California and their address is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX. 
They committed a fraudulent act that needs to be investigated and resolved immediately. On the first week of XXXX XXXX, I received a notice of levy under writ of execution in the amount of {$13000.00} from XXXX XXXX XXXX who I was banking with. The notice had the name of the agency collecting the debt, Persolve LLC vs my name. This caught me by surprise because this was the first time I received anything regarding this company collecting this debt. Immediately I went to the bank to see if this was even real and tried to withdraw my funds and discovered the bank had placed a hold on my account. In fact I even went to the police department to try to report the collection agency as fraudulent and they asked me to contact either the agency or the court. 
I called Persolve LLC and spoke with XXXX XXXX who was apparently assigned to my case. He told me this was related to a credit card debt that I didnt even have and tried to convince me that I owed the money. In fact, he tried to ask me for additional payment even after the levy was in progress. Next I called the courthouse in XXXX XXXX XXXX XXXX XXXX XXXX, Room XXXX, XXXX, CA XXXX ) that was handling my case and they told me I was served. After I asked them when and where, they told me they sent the summons at an old address that I lived XXXX years ago so I never received any mail related to this case. Therefore, I never got a chance to dispute the case and the agency stole the money right out of my account. 
This incident created a great amount of stress and anxiety and distrust in the judicial system and even the banking system. The agency consistently kept calling me for a few months after they stole my money. I wanted to pursue a lawsuit against the agency to get my money back but I did not have the funds to retain an attorney to fight my case. I am seeking your assistance to investigate Persolve LLC to ensure this doesnt happen to another citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In XX/XX/XXXX I began automatic withdrawals to Pioneer Credit Recovery and my final payment was made in XX/XX/XXXX for a total of {$810.00} ; XX/XX/XXXX-received a letter from USA Funds saying they were the guarantor and I was in default but no amount given ; XX/XX/XXXX-another letter from USA Funds but this time with C/O XXXX Post Claim Assistance and wanting payment sent to XXXX XXXX Inc. and threatening offset of my taxes for {$170.00} ; XX/XX/XXXX-letter from XXXX with a notice to contact XXXX for a review for {$210.00} ; XX/XX/XXXX-letter from XXXX and contact info for XXXX for review for {$220.00} ; XXXX from Enterprise Recovery System and again XXXX listed for review and for {$180.00} ; XX/XX/XXXX-letter from XXXX, finally no XXXX, for {$180.00} ; XX/XX/XXXX-Dept of Treasury notice of offset for {$170.00} paid to DoEd C/O XXXX. It is my understanding that XXXX is/was a subsidy of XXXX and I made XXXX payments of {$68.00} and one last payment of {$3.00} for a total of {$810.00} but yet XXXX has been haunting me throughout all of this. I have paid the final & XXXX twice to them.

Company response to consumer: Closed
Consumer complaint received 12/21/2015 about Payday loan () with CASHCALL, INC. (LA).
Issue: Charged fees or interest I didn't expect

Complaint: Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: We have been with Wells Fargo for decades.
The business accounts and personal accounts of myself and my 2 other business partners have all been closed by Wells Fargo. Worse, all of the accounts of our minor children and adult children have also been closed.
In all something like 20 to 25 accounts have been affected.
They refuse ( so far ) to explain why.
I am certain a mistake has been made somewhere. I run a good business and have done so for 27 years. I am 100 % certain that if we are told what the problem is, we can resolve it to anyone 's satisfaction.
However we are not being given a chance to explain. We have been told that we have 35 days ( from the date of the notice, now about 8 or 9 days old ) to find a new bank.
Somewhere, someone has made a terrible mistake.

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 04-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On or aroundXX/XX/XXXX, I applied for a Best Buy Credit Card through Citibank for the purchase of some home appliances. The promotion for this card was a 12 month interest free period to payoff the balance of about $ 3k. During this time my sales agent from Best Buy was XXXX XXXX and we both had to call Citibank at the time of the application ( while in store ) and speak with a representative to obtain my SSN information to run the credit check and receive my approval - which I was ultimately approved.

My first bill from this company I was not assessed any interest. However my most recent bill for the XX/XX/XXXX billing period reflects an interest charge of {$73.00}, which from my understanding with the promotional rate should not have occurred within the 12 month period.

In this complaint I am attaching my initial sales purchase from XX/XX/XXXX and my most recent Citbank bill for this card. I also spoke with XXXX  from the institutions customer service department ( employee ID : XXXX - out of the XXXX ) and she stated that there was no " promotional rate '' showing on my account but it may likely be an oversight.

I believe this to be a UDAAP issue, as there was nothing I could have done to avoid this interest charge. Additionally, I am concerned of a broader impact to others who may have entered into this promotional agreement with Citibank, that may have been adversely impacted.

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 11/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction problem

Complaint: I sent money to someone and they are not able to get it

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with APEX Asset Management, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Apex Asset management LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA Attempting to collect a medical debt from me even after they receive a letter from a Hospital asking to stop collection and even after I finally talk to supervisor back in XX/XX/ and she confirm that they receive such letter from a hospital??? After that I continue to receive a letters and calls. As per my last conversation with XXXX XXXX ( agency rep ) in XX/XX/ she treating me and give me a last chance to pay using unprofessional language. 
This must be stop! I request to speak with her supervisor at this time and I was refuse my right to address my concerns to her superior. I appreciate you help in this matter. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all XXXX of my credit reports i did previously contact one of the credit agencies nothing was fixed. In XX/XX/XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It XXXX Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 03/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Got a collection on my credit report without even being contacted about anything with this scam company. No communication was sent to me I never spoke to anyone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle loan) with Riverwalk Financial Corporation (AR).
Issue: Managing the loan or lease

Complaint: A newly opened collections account on my credit report appeared by this company as of last month without my knowledge. I never received anything by mail, telephone or email regarding this. I sent them an email to attempt to get a Validation of Debt Letter sent to me and while searching and investigating the company online, seen they are notorious for not responding to consumer requests on these types of issue 's.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX and XXXX a hold was placed on two deposited checks ... ..the bank then closed my account ... After much follow through I submitted the letters and all that was needed to release these funds .... Bank of America claims that on XX/XX/2018 a Certified Check for the {$3100.00} was sent to my FORMER address at XXXX XXXX XXXX XXXX XXXX in XXXX, TX. The check was never received. I moved to the new address on XX/XX/XXXX and had left a forwarding address with the USPS. I called the bank on XX/XX/XXXX and let them know I had not received the check and my new address. As of today XX/XX/XXXX I still have not received my check or money and I have been told by Bank of America that I will have to wait another 90 days before they can issue a new check. The business that I needed to pay with this money is still waiting for their funds and is about to start legal procedings with me to get this money back that I am still waiting for ... .. I need this money and check issued to me immediately.

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