milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Recovery Solutions LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX, Settlement Director with Atlantic Recovery Solutions, LLC contacted my father via his cell phone and told him that ARS was trying to collect on a debt that I have. XXXX XXXX proceeded to email my father a document to his personal email stating that they are trying to collect a debt on behalf of XXXX. Per the FDCPA, it is illegal for a debt collector to share any information regarding a debt with a XXXX party other than the conusmer, their spouse or an attorney. My father called me and forwarded me the document that XXXX XXXX had emailed him. I immediately checked my credit report and there is no reporting of this debt with any of the XXXX credit bureau agencies. I attempted to contact XXXX XXXX to obtain more information at XXXX x XXXX and spoke with XXXX XXXX, XXXX of the account representatives, she then transferred me to XXXX XXXX at XXXX who states that she is their compliance officer. I gave XXXX XXXX my name and she asked for me to confirm my father 's phone number and his social security number. I told her that I would not give her that information. She confirmed the last XXXX digits of my SS # and proceeded to tell me that XXXX has been trying to collect a debt for unpaid overdraft fees on an account that has been inactive for XXXX years. She indicated that XXXX, the original creditor, another collection agency by the name of XXXX XXXX XXXX and finally Atlantic Recovery Solutions have been trying to contact me for XXXX years to recover this debt. I asked how they had tried to contact me and she told me they had tried to call and had sent numerous letters. I asked for the numbers that they tried to reach me-they had a list of XXXX phone numbers that they had attempted to use to contact me-only XXXX of them belonged to me, the rest were for friends and family members. She indicated that there had been numerous letters sent to me trying to collect the debt. I have not received any letters from XXXX, XXXX XXXX XXXX or Atlantic Recovery Solutions even though they have my address on record. I told her that her organization was in violation of the FDCPA by sharing my information not only over the phone with a third party but also electronically. I also requested that a letter of validation regarding the debt be sent to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Reliant Capital Solutions, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.

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 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to 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 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.

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 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.

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 12-05-2016 about Credit card () with CITIBANK, N.A. (IA).
Issue: Late fee

Complaint: I obtained a Best Buy Credit Card administered by Citibank. I signed up for paperless billing. I have faithfully made the payments on time. For the XX/XX/XXXX statement I submitted payment and it was posted by Citibank on XX/XX/XXXX in the amount of {$110.00} which exceeded the minimum payment. It was received and posted by Citibank prior to the XX/XX/XXXX payment due date. I proceeded to get multiple past due notices, dunning phone calls and in the end a past due charge. When I contacted the company, their position was that my payment was too prompt so it was not applied to my XX/XX/XXXX statement. This is not a late fee, it is an early fee. None of the customer service representatives were able to correct this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.

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 02/28/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: XX/XX/2014 I received a settlement of XXXX. Less than 2 months later {$89.00} XXXX is spent. I 've never made any major purchases such as cars, houses etc. I closed my account after speaking with a wells fargo representative asking her is there any way some one could take money wuth out my knowledge she replied no. I just called wellsfargo and they have no records of my banking info stated it wss archived. After soeaking with XXXX from FDIC she stated they should gave kept my records for 7 years. At this point I am requesting a full investigation of fraudulent activity on XXXX account number XXXX routing number XXXX XXXX. 
Thank you XXXX XXXX XXXX Ga XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: I submitted XXXX applications through the Bank of America, which were both declined and as a result, have negatively affected my credit score due to the number of credit enquiries. The first application submitted for an additional credit card was declined due to not having a 'credit history '. I was issued a letter outing this however, no information was provided to me confirming what the Bank of America classifies as a 'credit history ', how long it would take to establish a 'credit history ' or what I could do to establish a 'credit history '. I did not receive a follow-up phone call or information advising where I could access this information. 

The second application for refinancing on an auto loan I submitted on XXXX XXXX, 2016. I submitted my second application confidently once I was given strong advice by XXXX of your employees that I would not have an issue with the approval of this application given I have been banking with Bank of America for over a year and other factors that were discussed. These employees were XXXX XXXX, a personal banker and the XXXX XXXX, XXXX XXXX location and XXXX XXXX, a relationship manager at the XXXX XXXX XXXX, XXXX XXXX location. My XXXX application for refinancing was declined due to not having a 'credit history '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have tried again and again to try to get help with my student loans. I have been told over and over that forbearance is my only option while I work out how to handle the loan after the XXXX of my father and have taken that route to avoid further damage to my credit for years. I have attempted to speak to the debt collectors when they call and have been yelled at even when trying to explain the situation and that I need help in order to resolve the problem. If I could pay half of my loan off on the call, I would have paid my payments on time. I still have yet to have an explanation as to why, after the XXXX of my father who is on my loan, I ca n't refinance it in my name or why it wo n't go away completely. I am beyond the point of catching up and this business does n't seem to want to help me do that as long as my loan keeps collecting the ridiculous interest rate put on it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Installment loan) with Brookshaw Management, LLC (TX).
Issue: Problems when you are unable to pay

Complaint: I had lost my job over the summer ; i took out a loan that i default on it and it isnt till three months at my new job that the collections affords been to the extreme ; they have called from private numbers and even skip trace and started calling family members and leaving voice mails and calls while trying to contact me and mind you i do have a po box also that i have had over a year now to ensure i get my mail and nothing short of this has come my way but more " news letters '' to get another loan from cashnet usa -- i am short of wanting to pay a retaining fee to get a bankruptcy decree if able to -- to make these people stop from harassing me and my family that i do n't have any contact with! when i told them that i could make a payment in full which is two week from this week and mention that i was going to be filing a complaint and contacting a lawyer which i look up at work and will follow up with the gentleman there then stated i was threatening him and his company and that would not assist me but after that fact he knew that what they were doing was wrong and how they were going about it i need help it could n't afford to even pay my tax penalty for not having health care last year and got that straightened and now they want to continue to hound me through my family members and sharing " Debt collection '' practices i am willing to pay for a lawyer if i can file bankruptcy so i can get a cesist and dease applied because this enough! i believe they are pretending to be a law firm in my state and also have someone who is contacting me and my family from a private is requesting i meet and sign " Certified mail ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with DISCOVER BANK (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX set aside the Judgment. XXXX XXXX also stated that the statute of limitation 's was up and the debt from Discover could not be collected by any other means. On XXXX XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX MA XXXX trying to collect the discover debt. I told them about the ruling of XXXX XXXX and faxed a copy of Certificate of Service they said they would review the document. The firm North Carolina phone is XXXX XXXX. They have no legal right to try to collect the debt. I faxed the documents to XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XX/XX/XXXX I did an internship in the state XXXX. I paid my taxes and filed my taxes with an accountant friend of mine. I was in XXXX school and had done work that year in XXXX different states. We filed taxes in all XXXX states, but we did not attach the physical XXXX to the XXXX tax return as it was not required in any other state and my accountant was not aware of the rule XXXX. XX/XX/XXXX my credit report showed that I had a tax lien from the state XXXX. This had a major negative impact on my credit report of over XXXX points. As I did not live at the address that XXXX had on file, I did not receive information that there was a problem with my tax return and was unaware of any issues. 
After seeing the drop in my credit score and researching the cause, I reached out to the state XXXX and received a letter from the state XXXX stating that I never owed any money to the state XXXX, but because my XXXX was not attached the lien was attached for improper filing of taxes. I have presented this letter to the credit agencies and despite the fact that I never missed a payment or owed any money my credit score has continued to be negatively impacted by this lien. A credit agency is not there to report whether my accountant and I filed our taxes correctly but to report on my ability to pay my bills. 

I have paid my bills on time and provided them with documented proof of this fact. I do n't know what else to do to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CIT BANK, NATIONAL ASSOCIATION (MS).
Issue: Other service problem

Complaint: In XXXX XXXX XXXX, a traditional IRA 2-yr CD ( Certificate of Deposit ) that I had with CIT Bank matured. Since CIT was no longer servicing IRA money they did not have any traditional IRA CDs to roll this money into. So they set up an IRA saving account that had a low rate and transfered my money into this account when the CD matured on the XX/XX/XXXX. Currently I 'm trying to transfer the money into a new bank ( XXXX XXXX XXXX XXXX ) that services traditional IRA money and CDs. I went to one of their branch offices and had an officer of the bank fill out a Traditional IRA Transfer request to transfer the money out of my CIT Bank traditional IRA saving account ( via check ) to XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I called CIT bank and spoke to a representative and explained that I was mailing a Traditional IRA Tranfer request and to find out if the Transfer document need to be notarized. She informed me at this time that the it would take 2 to 5 business days to process the Transfer. I sent the Transfer document on XXXX XXXX XXXX overnight mail and it was received by CIT on the XX/XX/XXXX. I called CIT on the XX/XX/XXXX to find out the status of the Transfer. It is at this time that the CIT representative informed me that the Transfer was still being processed and that also it would take an additional 5 to 10 business days to mail the check to XXXX XXXX XXXX once the Transfer document was approved. Thus I received inconsistent or partial information from the first person I talked to at CIT on the XX/XX/XXXX and the XX/XX/XXXX CIT representative on the XX/XX/XXXX. Since CIT was no longer offering Traditional IRA services, the time required to Transfer the money should be expedited since I was on the phone with CIT on 2 different occasions and they new what my intentions were. This delayed processing time appears to be nothing more that a blatant attempt to maximize their use of my money while behind the guise of processing time. The Traditional IRA Transfer application is only a 1-page document and should not take 2 to 5 days to process. Additionally, 5 to 10 days to cut a check and mail it to another banking institution is equally inadequate. Also if I had been given complete and accurate processing and mailing time I could have made other arrangements with another bank ( XXXX XXXX XXXX ) to make the transfer by wire of the Traditional IRA money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Quick Debt Services LLC (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a series of letters from the " Document Service Center '' that, if not fraudulent, were extremely misleading. The last letter I received stated that it was a " Final notice, '' listed the accurate principal balance on my loans ( how did they know this? ), and gave the benefits of consolidating my student loans. It gave information about the U.S. Department of Education and listed steps to create my Federal Student Aid ID through the Federal Aid website. In other words, this form appears official. However, I consolidated my loans in 2009 through the federal government and am already on a federal loan repayment plan. Further, the letter gives a phone number to call " to redeem your federal benefits '' ( XXXX ), which I know is not through the federal government. This is a highly misleading letter that is attempting to make money off of my student loan situation, taking me from the federal protections and obligations I currently have to fewer protections and new obligations through a private company. The fine print of the letter does that that " DSC is not affiliated with the government or any of its programs. '' However, I would like to report this because the letter, overall, is extremely misleading in character and may cause individuals in my or similar situations to consolidate their loans with a private company unknowingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation