milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Medical) with Midwest Recovery Systems (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX 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 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Blakely-Witt and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX at the XXXX first and asked for a copy of the lease agreement and an invoice or documentation of the charges they claim that I owe them. The gentlemen stated to me that he was unable to send me a copy of my lease because they no longer had a hard copy due to it being 6 yrs ago. He said he could only provide me a bill of what I owe but it would n't be an invoice or documentation ( whatever that means ) He said I owed {$500.00} but my credit report is showing {$530.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (VA).
Issue: Trouble during payment process

Complaint: PHH Mortgage crediting of checks is delayed and received date in their system of record is incorrect.   Mailed    XX/XX/XXXX payment  USPS Priority  tracked mail on   XX/XX/XXXX    . Priority mailed was delivered by   XX/XX/XXXX    .   Check had not cleared by XX/XX/XXXX   . Concerned, I called the customer service line the next day. The rep told me the check would be posted that day,   XX/XX/XXXX    . The rep also told me that PHH Mortgage date of receipt of the check was their processing date, XX/XX/XXXX   .   Fortunately this was within their grace period. I asked the rep to refer my comment to the supervisor -- the date of receipt is the date the mailed check is DELIVERED to PHH Mortgage, not the date PHH Mortgage chooses to process it.   PHH Mortgage 's lag in posting checks is consistent ( a week or more after documented USPS delivery date ), although this was the worst incident , 2 w eeks, perhaps due to   XX/XX/XXXX   holiday. I feel COMPELLED to pay fo r USPS  priority postage and tracking in order to be able to prove that I paid on time, given  PHH ' s track record of slow processing. It is frustrating and should be unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AL).
Issue: Using a debit or ATM card

Complaint: I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX XXXX sent letter on my behalf to me about the payment errors on my credit report - i seince then since the letter attacthed to my dispute to ALL THREE credit disputes and with more than enough information and evidence - the error has not been corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EQUIFAX IS REPORTING FALSE AND DAMAGING CREDIT INFORMATION. 
XXXX DEPT. OF H XXXX, is a fraudulent account en toto.I have never paid them anything.When I contacted them they said they were going after the filer for fraud, yet they have created this false record ... .all the while I had a contract for child support, for the same children in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with U.S. BANCORP (NV).
Issue: Delinquent account

Complaint: US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Billing disputes

Complaint: My PayPal account has multiple unauthorized charges on the account. I continue to dispute the validity of these charges. I wish to inform PayPal that I have now contacted the attorney general in my state and named them in a consumer complaint. I want charges on my account removed, ( all previously disputed ones ) and I want negative credit reporting to any of the XXXX credit bureaus removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making {$450.00} in payments every month for my private student loans for a total of {$7200.00} in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only {$2200.00} of my paid {$7200.00} have made a dent on my grand total which is nearly {$50000.00}. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was XXXX years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX, FL XXXX ( XXXX ) XXXX Use my credit more than XXXX time I would like to remove XXXX them off my credit report if possible Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sprechman & Associates, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collection agency ( Sprechman & XXXX, PA ) is attempting to collect on a non-valid, non-validated and disputed debt within the thirty-day period in direct and blatant violation of FDCPA 809 ( b ) Validation of Debts. Disputed Debts : Summary of Salient Facts : XXXX/XXXX/XXXX : Date of letter by Sprechman & XXXX, P.A. indicating that your office represents XXXX XXXX, XXXX for an account with an alleged delinquency. 

XXXX/XXXX/XXXX : Alleged delinquency letter was delivered to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX/XXXX/XXXX : XXXX XXXX mailed letter to XXXX XXXX XXXX advising that collection agency was attempting to collect on a non-valid debt and requesting confirmation that collection agency was would no longer be attempting to collect on this non-valid debt. 

XXXX/XXXX/XXXX : Sprechman & XXXX ( as Attorney for Plaintiff XXXX XXXX, XXXX ) filed a Complaint and issued Civil Actions Summons against XXXX XXXX and XXXX XXXX alleging a breached contract with Plaintiff. Both the Complaint was filed and Summons issued ( these both constitute an attempt to collect a debt ) prior to the 30-days in which XXXX XXXX was in receipt of original alleged delinquency letter. It was also filed after the letter sent to - and likely received by - Sprechman & XXXX informing them that they were attempting to collect on a non-valid debt. 

XXXX/XXXX/XXXX : XXXX XXXX emailed an electronic version of the letter ( that was originally mailed on XXXX/XXXX/XXXX ) to XXXX XXXX of collection agency per XXXX instructions. 

XXXX/XXXX/XXXX : XXXX XXXX was served the Civil Actions Summons at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Serving a Civil Actions Summons is an attempt to collect a debt. 

XXXX/XXXX/XXXX : XXXX XXXX received a letter from Sprechman & XXXX informing me that I have been served with a lawsuit and instructions to call the Collection Department. Bottom of letter states, " This is an attempt to collect a debt ... '' Sprechman & XXXX has had many violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Validation of Debts. Disputed Debts, by continuously attempting to collect on a non-valid and disputed debt. The open complaint is a continued and ongoing attempt to collect on this non-valid, unverified and disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni, Inc is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are  in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.

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 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. 
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. 
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE ASKED EQUIFAX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. EQUIFAX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian. Their website faulted out while I was trying to get my free annual credit report. Site said, 'try again later '. I tried many times in the following XXXX hours, but site said 'You 've already received your report. ' Only web alternative offered is to pay {$1.00} then {$15.00} per month thereafter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Bank of America says I owe them {$300.00}. 
I opened a checking and savings account with Bank of America at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Bank of America accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Bank of America changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings account.

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