milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I am writing in relation to Experian XXXX XXXX. It 's an extension of their credit monitoring ( credit tracker ) business that connects consumers with a credit adviser. There are XXXX packages offered to consumers. The first is a free XXXX minute consultation. In the fine print of the Service Contract, however, it says the consultation is actually {$19.00}. I 've attached evidence of both, though it 's easily findable on their website as well. I think this is false and misleading advertising. I tried to register the complaint with the FTC, which deals w/Section XXXX deceptive marketing claims. But the FTC routed me to CFPB. I 'd like this to be cleared up for myself and other consumers. Those that signed up because it was advertised as FREE should not be charged. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Other fee

Complaint: This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with The Affiliated Group, Inc (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The Affiliated Group has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Reporting negative information of bankruptcy on 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 08/22/2017 about Debt collection (Other debt) with I.C. System, Inc. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Company placed a collections on all three of my credit reports. I disputed the validity of this debt. I have never been notified of an outstanding debt. I did not and do not acknowledge this debt, they started over the 7 years after my claim was denied on XXXX and updated the other two credit bureaus as if this were a recent account. I have the credit reports from BEFORE I disputed and this was originally reported in 2013. Now I am receiving harrassing phone calls every day. I do not answer or communicate with them.
It says I owe {$1400.00} but the original debt is {$1100.00}? Hows that even legal?

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 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines

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 11/29/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XXXX XXXX I noticed a collection account had been placed on my from Diversified Consultants. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XXXX XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XXXX XXXX between XXXX and XXXX XXXX I called Diversified Consultant to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from DCI, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received DCI 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me.

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told DCI it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face.

These actions by DCI are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Mortgage (Other mortgage) with Capstone Funding Group, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.

Company response to consumer: Untimely response
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: I filed an application with Bank of America for forbearance for illness and unemployed or loan modification but Bank of America has been giving me the runaround since  XXXX   XXXX ,   XXXX  .     I am sick and was laid of because of my sickness. I informed Bank of America that I am sick and was laid off as a result and that I am finding it difficult to pay the mortgage as I am no longer working because of my illness. They sent my documents to fill for forbearance for illness or unemployment or for loan modification. I filled the documents and went to Bank of America branch office in  XXXX , Maryland and had t he manager  faxed the documents to   the Loan Modification office. On the same day, I also uploaded the documents to Bank of America site.      Bank of America has been playing deliberate delaying tactics. I have sent in documents earlier on multiple times, both by uploading the documents to Bank of America website and at the same time having the documents faxed to them at Bank of America branch offices but they come back after a m onth or two to sa y that they have not received all the documents while the documents can be seen on their site.     Some of the tactics being used by Bank of America is claiming that documents were incomplete or documents were missing when in fact they were not ( I would logon to their Loan Modification site and I would see all the documents received and updated on the site ) or claiming the file was under review then I would out later that it was not under review.     A month ago, they sent me a foreclosure letter. When I called to ask them what is going on with the foreclosure letter they stated that they have not received all my documents that why they have initiated a foreclosure procedure. When I pointed it out to them that the last time I talked to somebody at Bank of  America the Rep confirmed to me that they have received all my documents and that as a matter of fact I can see all the documents I uploaded still showing on their website. The Rep ne xt response was that my documents have expired and that I have to resubmit fresh documents. So now, they have for forced me to restart the modification/forbearance process all over again. Even after restarting new process they playing the same tactics of documents being incomplete when they are not. And last  XXXX  when I called to check on the status I was told they need my bank statement and tax reports, which they already have and in addition to that now they are saying they need receipts for my expense for grocery, laundry, grass mowing payments etc. when I dont know anybody keeping their past grocery, laundry, mowing receipts around.

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 08/31/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They refuse money orders, harass me daily via phone you to open a checking account, and refuse to mail statements showing money is going towards account. 
I was contacted about three accounts I have with Portfolio, I made arrangements to send {$50.00} per month towards the accounts via money order and sent it in the mail and now I 'm told that apparently money orders are n't good enough and I must open a checking account. I do not have a checking account and I will never get one because I do not need one and I know they will just automatically take money out without authorization and overdraw any accounts, you would think they would n't care how you get the money and just be happy to get it at all. 
I also asked was for a paper bill, so I can verify that this is not a scam company and see the balance going down, but I 'm being told that I ca n't get a paper statement unless I open a checking account. I absolutely will not open a checking account and now since my money orders are n't good enough, I guess they prefer to just get nothing then? 
They are committing fraud by taking my {$50.00} and not providing me any statement that it went towards anything or to verify who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with RSI Enterprises, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I work for XXXX, XXXX, XXXX XXXX XXXX, XXXX. We are a XXXX XXXX XXXX ( XXXX ) firm with XXXX offices and over XXXX employees. This debt collector RSI Enterprises calls our XXXX XXXX, California office daily. I work for our corporate office as well as our XXXX office and I have contacted this company weekly for the last six months asking to have the telephone number removed from their list. When I answer the call it is always a recording and leaves the telephone number ( XXXX ) XXXX as the call back number. I have spoken with several individuals explaining this is a business they are contacting not someone 's personal and/or home phone, and each time I 've given them our main number ( XXXX ) XXXX and the XXXX number ( XXXX ) XXXX, requesting to remove the number from their list, last call on Friday, XXXX XXXX,2017. Today, XXXX XXXX, 2017, the call comes through again, I call the XXXX number above and the male individual by the name of XXXX becomes agitated as I stated I am going to report this business as I 've requested several times to have our business number removed from RSI calling list, as we do not know who they are looking for and it is quite annoying and frustrating to receive these calls so frequently. He became irate and spoke rude and aggressively. Upon checking XXXX XXXX #, he said this number was removed on XX/XX/XXXX, hmm that 's strange. I said yes it is, and if you keep reading you will see I 've called several times to have this problem corrected, and yet RSI continue to call our office, why ca n't someone from this company remove our number so that we can STOP receiving these calls. If you call XXXX 's numbers listed above, you can confirm we are a legitimate business and RSI should be competent enough to successively remove our business number from their list. He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a Parent PLUS Loans with XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) that is being serviced by Great Lakes Borrower Services. In XX/XX/XXXX I filed for XXXX XXXX Bankruptcy in XXXX Florida after my divorce. The terms of the bankruptcy were to repay all debt at 100 % of principal. Great Lakes filed a claim with the court {$17000.00}. The loan principal however was {$14000.00}. The bankruptcy court assumed that the amount the company claimed was the amount I owed to pay off the debt. As a result, Great Lakes was paid {$3400.00} more than what they should have been paid under the terms of the bankruptcy. My bankruptcy ended this past summer and all debts were fully XXXX by the courts in XX/XX/XXXX. Now Great Lakes is saying I still owe them {$2100.00} for interest on a loan that was paid off in bankruptcy and paid more than the terms of my bankruptcy agreement with the court. I contacted Great Lakes and they said student loans can not be XXXX in bankruptcy BUT this is a parent direct loan, they filed a claim with the courts and were paid more than what they should have been paid under the terms of the bankruptcy. I have contact my bankruptcy attorney and they are trying to understand what Great Lakes did before they can do anything. What Great Lakes is doing is trying to collect on debt that was XXXX by the courts and it is called 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 05/27/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (MS).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Harris & Harris, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

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 07/16/2015 about Debt collection (Medical) with Integrity Solution Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have continuously tried to no avail to contact the lenders/payors to have all auto debits stopped but they continue to withdraw from my account. I have accrued over 7 OD Fees. I contacted the bank on the XX/XX/XXXX to let them know what was going on and asked for a new account but they did not do it. Instead I was told to file a fraud claim. They have refunded the claim amount but did not refund the OD Fee as a result of the unauthorized charges. My account was charged a few fees as a result. I have since this time accrued another debit from my account and have had my account assessed for 2 OD FEE ( {$72.00} ) on XX/XX/XXXX. If I had a new account number, I would not have been charged the overdraft fees. I should've had a new account on XX/XX/XXXX after I filed the claim with the Fraud Department

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