milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016, I submitted a formal cancellation notice to XXXX XXXX XXXX XXXX, a massage therapy company which operates in multiple States across the US. The arrangement is that customers sign up and pay a monthly fee of {$59.00}. The contract that I entered into was a " month-to-month '' agreement, which was subject to cancellation by the customer with 30 days written notice, which I submitted, at the direct instruction of the Company on XXXX/XXXX/2016. However, XXXX XXXX XXXX refused to cease the monthly billing to my XXXX XXXX credit card. With the assistance of XXXX ( I reported this practice as fraudulent to XXXX ), I was able to have XXXX XXXX XXXX removed as an authorized creditor with charging rights to my XXXX credit card account.
Beginning about six months ago, I began to receive progressively more aggressive phone messages from XXXX XXXX XXXX demanding payment of {$230.00}. Three months ago, XXXX XXXX XXXX turned this matter over to their collection company, Transworld Systems , Inc., which has been hassling me regularly via mail since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Earlier this year, I had my tax information stolen along with all my personal information such as social security and present/past addresses ( our company was hacked, XXXX employees did not get taxes back ), and while checking my Experian credit report, I had hard inquiries a week apart and negative marks on my account. These are not mine and it is fraud. My credit score has now dropped and I am trying to buy a home in the next few months. I have ran into a couple issues because of this tax invasion and fraud. I have never had a late payment and have always had great credit. 

Thank you for understanding, this has been nothing, but a nightmare this year. 

*example of hard inquiries* XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD 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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Hello i have disputed multiple items over the month with transunion. They keep comming back verified. Transunion hasnt produce any documentation proving they verified these accounts. Federal law stats that they must have my contract on file. They just keep verifying these accounts without showing any documentation.

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 09-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Hello my name is XXXX XXXX i deposited government checks for my aunt she was in a homeless shelter in XXXX they gave her XXXX for a years of rent the checks are made payable both to her and her landlord wich renigged on the apartment she was able to find a new place they gave us the first XXXX now refusing to give us the other XXXX she needs these funds for her new landlord and to show human resource administration the reciepts for her new place her account will not close till this money is released its been almost a month of them holding federal funds i bank with bank of america they frooze my account the funds are cleared and just sitting what can we do it is hard for my aunt to go back XXXX please help

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 12/27/2015 about Debt collection (I do not know) with GC Services Limited Partnership (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX, 2015. I think they are trying to collect for XXXX, but I have not been with XXXX in well over a year and do not owe them anything. The account listed on the credit report is shown as XXXX ... .I have no idea what the last XXXX numbers are. Nothing has ever been mailed to me so I really have no idea what this debt is for ... and I do not answer unknown phone numbers on my phone unless they leave me a voicemail telling me exactly who they are and what they want ... I am on a do not call list! I read on the internet review after review of how this company is a scam and I want them to pull off my credit report totally what they put on XXXX/XXXX/15 or I will send my bankruptcy lawyer their way. I do not owe this lousy {$140.00} no matter where they say it is coming from! Why is this scam company still allowed to do business when they harass people innocent people all the time? Shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.

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 03-02-2017 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested. 
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %! 

I feel this is illegal! The terms of the original loan company should be honor.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX showed an overpayment judgement against me on my credit report. The total overpayment amount was paid in full and XXXX confirmed that I my credit report would be updated as such and that I would receive a letter confirming my payment in case I had any issue removing this mark with the credit bureaus. It has been almost half a year since this time and my credit report has not been updated and I have not received a letter from the XXXX despite making several requests for it. Any help that your department is able to provide me to correct this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and Experian are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.

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 09/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: We had a mortgage from XXXX after XXXX and XXXX XXXX XXXX and DITECH was our mortgage servicer. We applied to DITECH for a HARP refinance. They refused to give us the Harp interest rate and in fact denied our refinance because we would not agree to the conventional loan rate. We were very eligible for HARP. In fact we were successful refinancing with another mortgage lender. Perfect credit. Never late on payments. Ditech would also not refinance us VA even though I am a US veteran. Even at the conventional rate they refused our loan refinance due to a existing mobile home on the property. This is in addition to our single family dwelling.They said it was required by HARP that we remove the mobile home in order to get a refinance. The mobile home was a source of additional rental income. We spent XXXX dollars to have the mobile home demolished and they still would not give us any interest rate other than their conventional interest rates. DITECH IS THE MOST CRIMMINAL ABUSIVE COMPANY WE AND THOUSANDS OF OTHERS HAVE BEEN ABUSED BY. We want a ruling here on our rights to HARP refinancing vs. Ditech making their own rules in order to make it easier for them to sell our property in case of default. ( to get rid of the mobile home ) Also denial of refinancing according to HARP and VA guidelines. We feel there has been discrimination here of a US Veteran and senior citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received notification from XXXX XXXX that receivable management collection company has been placed on my credit report.I have no idea about {$170.00} that this company is requesting of me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the  documents ( Including signed contract ) that receivable management collection company have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the FCRA 15 U.S.C. 1681g, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

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 01-06-2018 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On Friday, XXXX XXXX a received a call from someone from " XXXX XXXX XXXX ''. they said that i had a claim number and a subpoena ready to be delivered to my doorstep if I didnt make a payment in regards to a a payday loan i took out from Ace Cash in XXXX XXXX TX in XXXX. 

They forced me to provide debit card information as they told me if i didnt make XXXX dollar payment i would be sued and possibly jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity fraud. Since  XXXX   XXXX ,  Fair Collections and Outsourcing  has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client   XXXX   XXXX   XXXX  . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 )  that they do not show me as owing any balance to their company ; and  3  ) that they have not initiated any collection proceedings in order to collect any debt from me. In  XXXX   XXXX , I took all supporting documentation, including this letter, to the  XXXX   XXXX  Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the  Fair Collections and Outsourcing  agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today,  XXXX   XXXX   XXXX ,  XXXX   XXXX  told me " I will not be transferring your call to  my manager ;  your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and  XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Installment loan) with POPULAR BANK (PA).
Issue: Taking out the loan or lease

Complaint: I was contacted by phone after applying on line, and the caller agreed to loan me {$1000.00} if I would wire him {$150.00} in lieu of a written contract to ensure him I could repay the loan. In desperation I did so, and he assured me that money plus the loan would be in my account within XXXX hours. After XXXX hours, I called him back and he said due to my poor credit rating, I would need to wire {$200.00} more for insurance. I did not. I want to provide phone numbers, places, and transactions to help stop these people from stealing. They were all XXXX, and I worry about terrorism. I 've learned, and realize most people would n't be that dumb, but a lot of people are in a bind like me. They have all of my personal information. 
These are the numbers and places the calls came from : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation