milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with CITIBANK, N.A. (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.

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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion have erroneous information on my credit report and refuse to allow me access to my free credit report because the answers to the questions they ask are not correct. The questions they ask are not applicable to me and every time I get it corrected after a few weeks they return the erroneous info to my credit again. This is affecting my employment and my financial reputation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Payday loan () with Big Picture Loans, LLC (MS).
Issue: Charged fees or interest I didn't expect

Complaint: I was approached by a company called big picture Loan 's and was approved for an amount of XXXX but I only borrowed XXXX and I was told that I would only have to pay XXXX back in total and that I will only pay around XXXX a month until it 's paid off but the first 2 payments that was taking out my account was for XXXX dollars so I called and the lady told me that I will be paying that for the first five payments for a finance charge and that none of that will go toward my principal and I was not informed of any of this at the time I did the loan

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Account opening, closing, or management

Complaint: Last year HSBC offered a promotional program to open checking accounts with them and if you maintained a {$10000.00} balance for a certain amount of time ( I think 6 months ) then they would give you {$350.00}. I realized last month that I never got the money even though I participated in the program and maintained the minimum balance. I followed up with them and they ended up correcting the issue and giving me the promotion, however I wanted to submit a complaint in case this is systemic to all of the HSBC clients that participated in the program and people are getting scammed out of money by the bank. Please follow up with an investigation of the bank to see if they are making promises to clients and then not following through.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing statement

Complaint: My credit card made a special zero % financing offer that I accepted & then they charged me interest every single month. I have called them 3 times & each time they have told me they are in the process of the resolving the issue & that I should see a statement credit soon. It 's been 6 months & I have not. They have also switched this card from being a XXXX to a XXXX. I am worried that this will get lost & never be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX   and trust Open XX/XX/15 Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion has credit inquires that I did not authorize on my credit report XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 01-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Wells Fargo. I lost my job on XX/XX/2016. We felt we could continue to meet our obligations for a short period. We felt we would need some help in the near future and filed a request with Wells for forbearance or an adjustment. We where denied even though our net income would not meet future obligations. After six ( 6 ) months of unemployment, I obtained a part-time position. At that time we asked Wells to reduce our rate to current rates ( approximately 3.5 % at the time ) and reduce the amount of the loan to the current balance so that we would be able to meet the obligation. Wells denied that request based on us not missing any payments and stated that they would have made an adjustment if we had been in default. They also suggested we sell our residence. During the process Wells paid our annual property tax without approval from us. Our original loan did not include a tax and insurance payment. We are in the process of refinancing with another company. Since Wells paid our taxes AND we agreed to future payments including property tax and insurance, Wells actual raised our mortgage payment by more than {$1000.00}. If we would have went for a refinance originally, we would have had a rate around 3.5 % and been able to take our XX/XX/2016 annual tax deduction. With Wells illegally paying our taxes and forcing us to wait to refinance at around 4.25 %, they will cost us ten 's of thousands of dollars over the lifetime of the loan.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NY   XXXX   DELINQU ENT REPORT ON MY CREDIT REPORT : LOAN # :  XXXX  My credit history has been greatly damaged by a business loan I took in  XXXX  for a    XXXX   XXXX   i n  XXXX , IL (   XXXX    #  XXXX  ). This loan was granted by  XXXX   XXXX   XXXX  in New York through their agent,  XXXX   XXXX   XXXX   XXXX  before it was acquired by  XXXX   XXXX   XXXX   XXXX , New York (  XXXX  #  XXXX  ).     In  XXXX , my loan officer,  XXXX   XXXX   XXXX , assured me that it would be treated as a business loan and not reported to credit agencies since my   XXXX   XXXX   was used as collateral. In  XXXX , balloon notice came and I requested for refinancing and modification of the loan,  XXXX   XXXX  agreed to work out the details of refinancing and modification. During this process, I kept making timely payments and never defaulted.      XXXX   XXXX  started reporting it to the credit bureaus as a delinquent loan while still collecting payment and working on the process of finalizing refinancing and modification terms and agreement ; it also failed to report m y 3-year his tory of timely payment to the credit agencies. Also, it is noted on my credit report that I had missed payments when in fact I had maintaine d 100  % record of timely payment. I wrote letters to  XXXX   XXXX  requesting that it should stop reporting this loan as delinquent because it was hurting my credit history and the loan office,  XXXX   XXXX , wrote back to me assuring that it would be taken care of once after the loan was refinanced and approved.     In  XXXX , this loan was approved by  XXXX   XXXX  and  Im  still making on-time payments on this loan as agreed. I wrote back to  XXXX   XXXX  requesting that it should help me expunge those delinquent records from my credit history and my requests were denied by the l oan officer. I con tacted credit bureaus and they told me that it was up to  XXXX   XXXX  to either demand for expungemnt or accept no contest in order for them to accept my request to delete those records from my credit history.     This reporting has severely impacted my credit history and made it impossible to get any loan. This has made impossible for me to get a car loan for change of equipment which is due at the end of this month.     Please I would appreciate if you could help me in resolving this case. I have all the necessary paperwork for your perusal.     Sincerely,  XXXX   XXXX  Ph: XXXX    Fax: 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 non-monetary relief
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced with XXXX XXXX Loans who immediately sold our loan to LoanCare. I received a letter from XXXX XXXX Loans with information on where to send my first payment which was due XXXX XXXX, 2015. I had my bank electronically send the payment, but XXXX XXXX Loans provided an incorrect loan # which I was not aware of until I received a call from Loan Care that they had not received my payment. I called Loan Care and they told me to have my bank send proof of the electronic payment so they could find the funds and transfer them to my account. I did that, and thought it was taken care of on XXXX XXXX, 2015. I received another call from Loan Care about 2 weeks later saying they had not received payment. The customer service person took all my information again and said she would take care of it. I received another call from Loan Care on XXXX XXXX saying they still had not received my payment for XXXX XXXX and I was delinquent. I called my bank and we got on a XXXX way call with Loan Care. My bank sent Loan Care the information again and I was told it was taken care of and I would not be receiving any more calls from Loan Care, it was now in their hands because they knew they had the money, they just had to find it. I was also told I would not receive a late fee because they had the money. I just got another call today saying they have not received payment and I have a late fee of about {$45.00} due. I 'm now on the phone again with them and on hold. As I sit here and wait, I started reading reviews on XXXX. Every single review is the same as mine. This is ridiculous!! I have spent hours on the phone with them, and they have my money!!! This company needs to be looked into. It seems to be common practice for them. How can they receive money and not investigate where it goes when it has an incorrect loan # on it. There is only XXXX address associated with the account. I just got off the phone and they once again said they have escalated the issue to a supervisor and they will get back to me in 3 days. I 've been told this before and nothing has happened. I 'm hoping that by sending this complaint my issue will soon be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with Integrated Recovery Services (MI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A man has been calling my sister for some time regarding efforts to collect a debt that he claims my son is responsible for. This man identified himself as XXXX XXXX. His number is XXXX. My sister contacted me and was very upset feeling as if he threatened her. He used extreme profanity including the XXXX word, along with calling her all kinds of obscene names. I called him today, XXXX @ XXXX and he was so volatile and nasty that it can not be explained. He called my and my son XXXX said my son is in XXXX because his mommy did n't take care of him, he was placed here by XXXX to deal with people like us. He then said word on the street is you have a good job, you work for the state, so just pay it. Give me your debit card number now. I asked for paperwork and he refused. He finally did tell me that this was from something that my son signed for on XXXX. He did say his company was Integrated Service out of XXXX XXXX, NY. He said is boss was XXXX XXXX but would n't provide me a number directly to him. I did tape his call half way through as I felt very threatened and slandered. He told me he was n't harassing me because he had n't physically threatened me. When I told him I was going to speak with my lawyer and law enforcement first he then said he was going to make America great again and my flock would n't be part of it. This man would not allow me to ask questions or say anything, he was just verbally abusive and threatening. When I XXXX this number, many comments were of this same nature - threatening and horrific attacks against people. I am a professional woman who deals with courts and clients. I have never been treated this way before. I can not believe that this man is allowed to call and say such horrible personal things about me or my family. He even asked if I had gotten a good XXXX present from my son. My son is an adult who is currently XXXX that he committed. I am not responsible for his actions. This man basically told me that I am a rotten mother because of this. He called us losers and vile names with extreme profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017 I called Bank of America credit card Dispute and told them that XXXX have n't received a payment in the amount of XXXX and I told them I want open up a Dispute and they refused and told me once it cancelled I ca n't reopen it I received a call from XXXX rep today on XXXX XXXX2017 and they told me they have n't received XXXX from Bank of America and my service will be interrupted soon for non-payment so once again I called Bank of America again and ask to speak to supervisor and she was rude and told me they released the funds back to XXXX and until this day XXXX have n't got the money yet ... ...

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 05-03-2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The hippa form said that I allow them to discuss my medical record with whomever i add on the form, I did not add bull city financial. I asked for verification of a medical debt and they sent me the procedures of what was done along with the dates, amounts, etc. They were only suppose to have the dates and the amount owed. So when i called them they claimed they have a partnership with  XXXX   XXXX  thats the reason they have access to my files. The bills were suppose to be filed with  XXXX  and   XXXX   XXXX   within   XXXX   pays. someone dropped the ball and did not file the bills with the agencies which has caused me to be affective by a negative credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a XXXX. My care for the procedure is the responsibility of the recipients insurance. XXXX XXXX XXXX errored in filing the insurance claim against my insurance. They have refused to correct the insurance filing. XXXX XXXX XXXX, XXXX XXXX paid the errant claim. Neither XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX XXXX will / has assisted to get the claim corrected. I have continued to challenge this billing for more than 2 years with no resolution. The account has been referred to XXXX ( bill collection ). I need some assistance mediating the claim. XXXX XXXX XXXX will not intervene or confirm that my XXXX XXXX XXXX care is the responsibility of the XXXX recipient. XXXX XXXX XXXX, XXXX XXXX ca n't know that the claim filed is improper. Visiting Nurse has not acknowledged that my care was part of a living organ donation and asserts the claim was filed appropriately. I am in the middle of XXXX parties who basically are turning their backs on me and not participating in a resolution.

Company response to consumer: Closed with explanation