milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Over a year, a company called XXXX XXXX XXXX , XXXX a loan consideration company reached out to me to help me with my student 's loan. As the process took place information was exchanged, and I wanted to reach back from them to see if I was approved. I never heard back from them. A few weeks later I heard from a different company called Equitable Acceptance Corporation ( XXXX ) reached out to me in regarding telling me that they were the ones who processed the consolidation and payment will start up in XX/XX/XXXX. 
I was afraid that XXXX XXXX XXXX , XXXX might have sold my information to this company. I asked them to provide a phone number for XXXX XXXX XXXX since I have had a hard time reaching them two days after speaking to them. The number Equitable Acceptance offered was a nonworking number. I also told them that I did n't reconsolidation with them and was still waiting to hear back from XXXX XXXX about my application. I told them that I spoke with XXXX XXXX and I did n't know why a different company was reaching out to me for future payment. For a service that I did n't yet agree to pay for yet. I did n't sign my name to anything so, why would I provide a phone to a person over the phone that I had never hear of. 
Ever since Equitable Acceptance got my phone number, they have been harassing by phone and email. They also stated that they had emailed me notifications for payment as well. I ask them many times to stop calling me. Each time they called me they asked for a credit payment. And each time I tell them that I will not pay them for something that I can do myself by going online through the department of education. 
I have reported them to the BBB and other government entities. 
I have been trying for over a year to reach XXXX XXXX XXXX , XXXX, the company I originally dealt with, and I have had no luck. Each phone number I have tried I get an error message, or fax sound come from the other end. 
Begin of XX/XX/XXXX I got in contact with Equitable Acceptances about the contract I signed and as I read the document place that should have been signed or name should have written on was done by someone else. Because the signatures/printing does n't match my own. 
I am at a loss, I contacted a lawyer about this situation, and I am frustrated and at a loss and I do n't know what do. 
Any help I can receive would be greatly appreciated. 
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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A Franchise tax board lien was filed for the tax year XX/XX/XXXX in error against me when: 1. I actually had nothing owed to the state for that tax year.  2. My requirements to file were null since I moved out of the state of California in XX/XX/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 09-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Today is XX/XX/2016 After me receiving my direct deposit on XX/XX/XXXX, I submitted all of my checks and ach deposits for payment only learning as of today Chase closed my account, when asked why they explained to me they did not have to supply reason only leaving me to now ask them for enough money to survive until they were to send me my remainder money through mail in ten of fourteen days. Well while I talked them into at least giving me {$1000.00} the remainder {$1200.00} will not be distributed to me until 10 to 14 days in a check in which this has cause me great hardship in getting my bills paid on time and without late fee or penalty. I want to complain the fact they closed my account without providing me proper notice of a closer and the fact they cause me insulting inconsolable inconvenience and an embarrassment state of closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this 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 05/23/2016 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company PARKED a medical collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA XXXX ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA XXXX ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. If they sent anything out, I did not receive it or I would have sent a DV letter! 

Upon reading my credit reports a collection for this alleged debt has already been listed by another collector on the credit reports and the collection was removed in XXXX 2016. 

I request that they verify the following information. 1. What hospital is this medical collection for? 2. Date I was supposedly at this hospital 3. Full account summary and itemized calculation of alleged debt 4. Registered/Licensed number to collect in the state of Louisiana!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There was an update on an address that was just updated and its not mine I want it removed and investigated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: Currently I have an account with Bank of America. To be very Honest ; I love bank of america and I have been customer with them since XXXX. Up until recently I have never had any issues with bank of America. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted bank of America they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was informed on XX/XX/XXXX that I need to start paying my loan immediately since I 'm well beyond in-school deferment limits. There is a 48month cap. I told them multiple times that this information does n't exist online or is on my promissory note. They forced me to pay a {$150.00} fee to get my loans in order. Called again the next day asking for more information about this policy. Later informed by rep that theyll be mailing this out. I started school at the first college in  XX/XX/XXXX and I should have been informed of this policy in  XX/XX/XXXX . I 've receieved no information about this policy until now. This deferment cap seems really out of place since it was n't mentioned by the financial aid advisor at the time, on the promissory note or anywhere on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have changed my address with discover on the XXXX of XXXX. And received multiple confirmation emails even a week later saying my new card has been shipped to my address.. However i was not paying much attention to the card, i found after a month saying that they have been trying to deliver my card to an address which i never gave them not changed my self on the account. When contacted the customer care. They simply do not have any clue on how that new address even came up on the account. So scared my details have been compromised. I have never changed my address.. not sure how they would change on their own.. unless some fraud or scam was done on the back end

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My wife has a bill from XXXX for {$5800.00}. She has been paying the bill {$870.00} in XX/XX/XXXX, {$980.00} in XX/XX/XXXX, and {$980.00} in XX/XX/XXXX. This morning She received a letter from Credit Systems International that they have the account now and what total payment of the bill. Is this legal in the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account that appred on my credit report XXXX XXXX marketing this is not my account have no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Reverse mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had Bank of America, from XX/XX/XXXX to XX/XX/XXXX, i fell behind on payments, because loss of job, I was in contact with the bank, trying everything for negotiations, I called daily for help with no relief, I did have knowledge of Banks getting help with $ , I still am in not understanding that I had so much hope, when I called them it was yes we will help you, begging them, right in the middle of paperwork, giving me 3 month trial, I got a notice of pre foreclosure, witch I called the bank, they told me to ignore they were still trying to modify my loan, With in 30 days I had a foreclosed paper on my window, that same day I got letter saying sorry I did not qualify, I got on the phone n trying to speak to someone at the bank, my account number was not in service, this was all XXXX I believed in them, I was devasted in the whole mess, I wish I would not have lost my job, they gave me a loan that they knew I could not qualify, it was a predatory loan, I lost Respectfully, 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 02-03-2016 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX E-mail : XXXXXXXXXXXX Cell Phone : XXXX Dear Madam and Sir, On XXXX of 2014, I found that I could not XXXX, so I went to XXXX XXXX, XXXX XXXX XXXX, Emergency room. They tried to treat me, but they could not and made me lose a lot of blood, then they asked me go to XXXX XXXX. In XXXX emergency room, they solved my problem and took much more time and only charged me {$700.00}, but XXXX XXXX XXXX charged me {$1100.00} and could not solve my problem. My insurance company and me have paid them more than {$800.00}, therefore. I should not pay more to them, but they asked collection company to collect more money. I think that is not right and XXXX XXXX XXXX charged me too much. The account # of XXXX XXXX is XXXX and the Account # of Merchants Credit Association is XXXX. If you need more information, please tell me. Please tell me I should pay them more or not. 

Thank you very much for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: While reviewing my credit history, I all of a sudden see that an XXXX credit card was opened by SYNCB. I have an XXXX XXXX account and have used for years, but never applied for the credit card. When checking out, I am always careful not to click the " apply for cc '' button. Called XXXX and they said it takes a lot more than just inadvertently clicking the wrong button ( e.g., you need to enter id and credit info to complete application ). I have never received a card in the mail. I have not account number. But my credit history shows a {$0.00} balance and that the card was opened fraudulently in XXXX XXXX 2016. There is also some hard credit inquiries effecting my score from this fraudulent activity. When I called XXXX, they say they know nothing about it and to call the bank. When I called the bank, they said they ca n't help me since I do n't know the account number. I never applied for this card. I was never physically sent the card. And I have no access to this account. It is impacting my credit score. Suspicious that SYNCB would open this without my consent just to boost their accounts/sales.

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 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I need to complain about multiple behaviors. First and foremost, the debt was not owed! That said, they engaged in the the following behaviors : ( a ) Made harassing phone calls including threats and profanity ( b ) been unwilling to provide actual details about the amounts owed or from where the original debt arose from ( c ) offered no way to dispute the debt ( d ) said they were lawyers ( e ) never sent written information This firm is a set of crooks. There is not even an attempt to seem like a reasonable, honest or forthright firm. This is the kind of firm the CFPB was established to investigate and penalize. 

The firm is called Creditors Specialty Services , Inc. in XXXX California. 

They claim to be associated with the following attorneys -- XXXX XXXX There is no way to call them directly or discuss a dispute because they have no business other than harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through XXXX, they even have 1 of my collections listed as " medical ''?? but they " verified it, 2 '' and there was a " key derogatory '' that showed two times in 2016 even though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping

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 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute in 2013 against the collection agency known as XXXX account number XXXX Phone number XXXX with Experian sometime in 2013. Experian failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Credit card debt) with Credit Card Receivables Fund Incorporated (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Debt is from a credit card that was discontinued several years ago. Since that time I had attempted to file for bankruptcy but my lawyer died and it was never completed. I had no contact from collector for years and forgot about the debt. In   XXXX    , I was notified that I not only owed the amount previously due  ( which was close to {$6000.00} ) but owed a total of over {$20000.00}. A court settlement was completed without any real chance to dispute and my paycheck has been garnished since. I have paid over {$9000.00} since this settlement and still owe over {$20000.00} due to interest. I am the only person in my household that is currently employed and know very little about how to dispute these charges. I need help with getting this paid down and off so that my wages can go back to normal and my credit can begin to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owed this debt which I have paid after they offered a settlement. After the amounts was paid and check cleared I have still been receiving phone calls. I called them twice and spoke to XXXX different people which both have said the account was taken care of and a letter will be sent out to confirm the debt has been settled. I have not received that letter yet, credit reported not yet updated, and the calls still keep coming in. The XXXX people I 've spoken to said the calls should stop, but they have not and they do not know why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: On XXXX, I was speaking to a young lady by the name ofXXXX XXXX about a business venture where I would pay her {$50.00} to get started and she would " run '' some numbers and send the profit back to me. This conversation happened Thursday of last week and I ended up sending {$50.00} to her by XXXX XXXX on XXXX/XXXX/2015. Then I got several calls and texts from someone name XXXX XXXX and when i tried to call XXXX back, no answer. Every since then this XXXX XXXX has taken over stating that XXXX did n't complete the transaction correctly. Yesterday I ended up having to send anther {$50.00} to XXXX XXXX by MoneyGram and still no profit. I called last night and today asking and demanding my money and his response was " these NUTS. " I just want my {$110.00} ( Money sent plus fees )

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with I.C. System, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted with no results by phone and letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: SourceRM is calling 2-3 times a week, after having set a date to pay this in full. However, each time they call, they are derogatory and insulting in how they speak. Between all these calls they are harassing me at work and at home. Ive called and spoke to the manager as well. Ive set a date to pay this in full, of which is only XXXX however, they keep harrasing me every week. I will be paying this in full on the XXXX of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief