milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am currently trying to rent a small apartment with the XXXX XXXX  XXXX also I have applied at the XXXX XXXX XXXX and due to the information that was given as a requirement for the rental property I was not I was unaware of all of these issues that is on my credit that is enabling me to lease the space rent the apartment. If you research my credit history and my payment history in the last 20 years you have you will see that I have been outstanding as a homeowner with my home loan as well as the apartment rental that I have been at for the past 4 years at XXXX at XXXX and XXXX Arizona I noticed all of these charges on my credit report and I know for a fact they are fraudulent and my signature if I want any of these contracts is definitely a forge signature I have been with the same mobile device provider for over 6 years and I 've never had any discrepancies with any XXXX XXXX or XXXX all of these other mobile providers I have never had cell phone service or any service with these companies. 
I am asking that you do a thorough check and that you will be pursuant to the matter and have this disputed and removed off of my credit as soon as possible I also was informed that the maximum is a 30-day process but XXXX XXXX XXXX stated that you guys can take this off of here within the next 7 days so I 'm asking you to expedite this process and a very fair manner thank you for your cooperation and helping me Rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: We completed a previous dispute under XXXX. 
Complaint is about fraudulent debt XXXX that was taken out fraudulently and owed to USAA. Here are the facts of the case. We completed a fraud packet, provided police report, proof of address, identification and a complete history that we had about the fraudster and their address history from a XXXX report and continued fraud claims in victims name. Consumer has been disputing this with USAA since XX/XX/XXXX. XX/XX/XXXX, XXXX stepped in with POA to try to resolve. XXXX resubmitted all documents certified mail for consumer. USAA has acknowledged the proof of the fraudster and their history and and are aware that someone else is using their identification. USAA fraud has had file from XXXX since XX/XX/XXXX has been contacted 15-20 times by consumer and XXXX to try to resolve matter, to which their only response is, someone will look into this and call back. You are never provided any point of contact and often they leave you on hold for an hour. They never call back. They dont investigate and resolve the matter and the debt has been sold/resold to collection agencies. We had one collection agency dismiss debt, but USAA has failed to do so. USAA has had the details of identity theft and alll pertinent documents for more than a year and are violating consumer protection laws. They have failed to discharge the debt. Consumer is getting new calls from new collection agency about debt as of XX/XX/XXXX. USAA is failing to comply with Fair Debt Collection Practices and continuing to try to collect on a fraudulent debt they are supossed to be investigating. The debt remains on victims credit report and from what we can tell no investigation been completed. When the last CFPB complaint was last filled out they sent a Consumer Report Dispute form and we resent all the documents certified on XX/XX/XXXX. It has now been over 60 days and they still continue to report this debt and collect on it. This is not the first case XXXX has had with victims and attempting to work with USAA and the treatment has been the same on the cases.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

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 11/16/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Trouble during payment process

Complaint: Wells Fargo was the servicer of our mortgage until the first of this year, when they transferred the servicing to XXXX XXXX XXXX. When we started receiving statements from XXXX it was clear that XXXX 's accounting was incorrect regarding the principal balance. We spent countless hours with XXXX trying to correct the errors, only to come to the conclusion that they really couldnt make sense of the mortgage history they adopted from wells fargo and referred everything back to Wells Fargo. On XXXX XXXX, 2017, i requested a mortgage history from Wells, and am still waiting for that, after many calls and requests. They say they are working on it, but in the mean time i have missed the selling season on the house and have incurred much XXXX and other damages.

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 04-05-2018 about Debt collection (Private student loan debt) with Nelson Cruz & Associates LLC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received several voicemails for past month from this company since I never got anything in writing from XXXX associates it sounded like a scam. Plus my family members phone as well, one person said I won a cruise?? Another saying somone taking me to court XX/XX/2018 XXXX contacted at me at my job in regards to a debt from a student loan account, representative contact me saying it was a personal issue, explained they are a law office not a dept collection agency working for XXXX XXXX trying to contact me on my cell. When I asked not to call me at work there response was, since we are a debt collector we will take it into consideration but we can contact you at work if you wil not Work with us. Asked representative for a call back number which she provided. Advised I will call in 15 mins when Im on break. 

Called back at XXXX, a little later since I am at work! Reach another rep who said she was a supervisor this final landed on her desk today and the company they are working for is getting ready to take me to court. I got upset and asked who are they she explained, XXXX XXXX XXXX XXXX not a collection company a law office they have lawyers so they are able to call my job, phone or family members if they need to reach me at any time ... then went on to say she can settle a debt over the phone if I give a credit card. I explained I dont feel comfortable 1 ) I never heard about this debt. 2 ) I want something in writing 3 ) Im going to contact company before I pay anything. Her response during conversation, we will garnish your wages if we have to, asked for my social security number which I didnt provide since I have no clue who they are, said she will get a lawyer on the line. Asked for my job info, my response was the other representative just called my job why dont you know information? No response. And no they can not mail a letter but can email it including a settlement amount. If I dont pay today it will go up.i never agreed to an amount since I wanted to see something in writing. There is no company license number on letter. Took 30 mins to email letter. I explained once I receive letter and contact XXXX XXXX I will call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had a bankruptcy discharge on X/XX/17 and have attached it to this complaint. My complaint is against USAA Credit Card XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. USAA Credit Card XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. XXXX. I am uploading a copy of a credit card statement they sent me whereby they are billing me for debts that were discharged in bankruptcy. They are not supposed to be doing this as this is in direct violation of the bankruptcy discharge injunction against them and they are robbing me of a fresh start. My concern is when this statement closes on the next statement cycle, or XX/XX/XXXX, they will report this to the credit bureau. This debt was supposed to have been written off by them. This debt was included in my bankruptcy and I have the claims register to prove it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with The Best Service Co.,Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The account THE BEST SERVICE CO/XXXX  with account number # XXXX is still reporting this collection account to XXXX  Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.

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 12-07-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: The M & T online banking website was updated around XXXX XXXX 2016. The new online banking software would not allow me to login because the website requested my location. I have used my same laptop to login to this website since I had these accounts for around a year and a half. I have used this laptop for all my banking and bill paying and still do. I currently use this lap top to login to XXXX other online banking accounts and they all work fine. I have only had a problem with M & T online banking website allows me to put in my ID and password then gives me an error saying that I need to turn on my location services on my lap top. Why does M & T online bank services need to know my location now? Does it matter? This is the reason that it gives, for me not being able to login and transfer my funds. M & T login banking did n't need my location for the last year and a half. Not being able to login for this reason has caused me to be charged horrific fee 's. I had money in another account that should have been used to cover the debits and checks that I usually debit every month. This bank continually charged my account multiple times for the same incident for insufficient funds when I had money in another account, that had not been transferred. XXXX XXXX 2016, my system of banking was upset by the new M & T online banking software failing to let me login because it did not know the location of my laptop, when in the past it did n't need to know the location of my laptop. I have been a excellent account holder, never any charges for insufficient funds or anything, never. I have excellent credit. I am an educated consumer whom follows the rules and avoids fees and charges by the bank on accounts. I really think the M & T updated website was designed to create this location error so that they can get rid of consumers whom they do n't make much money in service fees. I would like to present my laptop to your bureau to show how they used this deceptive practice to extort money out of smart consumers. I worked for 40 years in the technical industry. I build computers. Please allow me to show you my laptop.

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 07/29/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I wrote a letter to Pinnacle Credit services , LLC requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from XXXX XXXX informing me that they now represent Pinnacle Credit services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.

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 05/21/2017 about Debt collection (Medical debt) with Cascade Capital, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).

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