milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Revenue Assurance Professionals LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am trying to settle a debt with the Army & Air Force Exchange Service directly and not with the collection agency due to the poor service.

Account # XXXX XXXX XXXX XXXX Thank you, 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 12/23/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I had a car loan financed by CNAC from XXXX 2015 to XXXX 2015. I traded my car in for a brand new car. When I traded my car in the new dealer called CNAC and got a 20 day pay off. Not even XXXX days later CNAC sent me emails telling me that I was in collections!! I reached out to them to advise them they will be receiving a check within XXXX days from the new car dealer. The representative was rude and continued to tell me that I was liable to pay. I then advised her that I will not make any more payments because they will be getting a check for the balance in full within XXXX days. I also advised her she was not to contact me at all. They failed to follow my request because they continued to call me when I a advised them not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: DOCTORS BUSINESS BUREAU Is the worst ever!! not only are they Harassing me by calling me everyday all day, but they also send me threatning letters in the mail which is another form of Harassment over an account that I have no knowledge of, or an agreement with their company over. I have never signed or agreed with any one to share my personal information and DOCTORS BUSINESS BUREAU is violating HIPAA Privacy laws and I will be seeing them in small claims court!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: CREDIT REPORT ( TRANSUNION ) IS CURRENTLY REPORTING ERRONEOUS SCORING INFORMATION AFFECTING MY FINANCES, CURRENTLY GOING THROUGH SBA FUNDING, THEREFORE THE FINANCES ARE CRITICAL AND MY REPORT IS DETRIMENTAL. TRANSUNION LACK OF TRANSPARENCY IS PUTTING MY BUSINESS STABILITY IN JEOPARDY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: It said that this account was open 2015 and i owe XXXX that is incorrect ive went to the company and they said theres know such thing. I DO N'T owe them nothing they owe me XXXX. I WANT this off my report ... Its false information. I 'm attaching the paper that was given to me by XXXX XXXX XXXX XXXX showing i dont owe them anything they owe me, the date is on there when i went in person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have a fraud alert placed on my credit file, that indicates anyone who runs my credit needs to call me and verify and that was not done that violates my right as a consumer I have reached out to the credit bureaus about this matter on more than one occasion to advise about my credit being pulled without my permission and nothing has been done.

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 08/20/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Medical) with Financial Corporation of America (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did n't really know what to put this under. But the collection agency sent me the financial aid application for XXXX and I 've filled it out and took it up to the hospital however they refused to take it because it has been well over the time frame for submission. However it is the hospitals fault that the application was not submitted in time because of their initial refusal to assist me with my 1st request

Company response to consumer: Closed
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TRANSUNION LISTS THAT I HAVE LIVED IN XXXX AND XXXX. I HAVE NOT

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 04/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I was charged  XXXX  on   XXXX   XXXX   XXXX   for a  XXXX   XXXX   XXXX  I contacted them and a  manager and was told I my card was never charged and they printed out paper work to prove it and I let them speak with netspend. Net spend then advised me that they do n't know what happen to m y funds but they could investigate they told me they would know something by the end of  XXXX  I call and they tell me I still got ta wait another 45 days for something that was done on there end. Now I 've tried being really patient but its running out fast cause I got took for almost  XXXX  dollars and nobody can tell me where or why my money was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was repaying my student loan to navient in which it was  XXXX  intereste. I ended up with  XXXX  and had a  XXXX . I needed to call them to reschedule and keep the  XXXX  interest with the payments I was making, I unfortunately was unable to call them so they now have raised it to 10 % and over {$15000.00} and interest was added. I borrowed  XXXX  and I know all them  XXXX . The cosigner is my husband we are willing to make payments I am on  XXXX  but they will not lower back down to 4.0 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA 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 12-03-2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Payoff process

Complaint: I full paid the balance over {$10000.00} to Lowe's/Synchrony Bank last year to close the credit card account. That was the condition to get equity loan from Embrace Home-loan. 
The Lowe's/Synchrony Bank has never mailed the next month statement, and the following statement shows the account is open and there is {$35.00} interest from XXXX balance. 
I had called for the complaint, and the bank said they will review. However, the bank keeps ask me about paying {$35.00} for settlement. Now XXXX XXXX asks me about {$790.00} for settlement, otherwise the company will lawsuit for that.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I already filled complaint you can refer to XXXX. 
I did send certified letter to Equifax with additional evidence of mistakes on my credit report, but I did not receive response. 
By law I should get response in writing in 30 business days. I am including copy of letters in this complaint explaining everything.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls from multiple phone numbers from a company representing themselves as dynamic recovery solutions. they always call at obscure times and I get a call every day of the week and its always from a different number and they call my cell phone. they never state my name in the message which makes it very suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with Sequium Asset Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting repeated calls and messages from this company. I have explained my situation with my income/bills after loosing my home in the flood, and they still keep calling. Also, I have received calls before XXXX on a Saturday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX store credit card with XXXX XXXX. 

I have incurred several late fees and interest charges over the past year due to late payments. They do not allow auto pay, thus setting you up to forget payment and incur penalty charges. I have a XXXX yr old mother and had events come up with her that caused some chaos. I have several other general and store credit cards and this in the ONLY one that will not accpet automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Credit card) with First Choice Assets LLC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. 

This is the website for their company that they gave me : 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 08/27/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Managing, opening, or closing account

Complaint: I 've had a Serve One VIP prepaid card issued by American Express for several months. It was an attractive card due to its low fees and ability to safely load cash at many locations outside traditional banking hours, as well as the ability to transfer that money to my other out-of-state bank accounts with pre-existing debited bills. 

However, I received notice on XXXX XXXX that my account was being being shut down and could no longer load my money. There was no notice, no explanation given, and no recourse offered whatsoever. I attempted to contact Serve for further information and was denied any assistance with regards to the sudden actions taken against my account. 

Upon my own research I came to understand that Serve has taken similar actions against many other account holders for perceived violations of terms & conditions regarding loading prepaid gift cards to their Serve accounts. On XXXX XXXX I initiated XXXX money load transaction from my debit card ( NOT a gift card ) for {$200.00} in order to have funds available in another account for an upcoming bill that was due via auto pay. It seems quite clear now that Serve has taken adverse action against me for using their product feature that is readily accessed and available on their website. If they did n't want this feature used by their consumers, then it amazes me they still offer it in the first place. 

Again, there was no notice given and no ability to rectify the situation. I find this highly frustrating and excessive on behalf of Serve.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Title loan) with GVA Holdings, LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I have small business accounts with XXXX. I received a letter dated XXXX XXXX, 2016 from the bank informing me that the XXXX accounts relating to my company will be closed effective XXXX XXXX, 2016. I have not been given any reason for closing these accounts. I contacted the branch and the number give on the letter to find out the reason why they had closed the account - all they said was that it was a " business '' decision and that there is a clause in the account opening agreement that give them the right to close the account unilaterally. This has caused immense business and personal stress to me as I am undergoing XXXX XXXX later this week and am just not in a position to do what is needed to open new accounts and to move the alignment of payment processing companies to the new account. Furthermore, I feel it 's gross unprofessional of these big banks to bully small businesses by taking unilateral actions without giving any reason for their action, as they have with me. My business and bank account management is 100 % compliant on all US and International regulations, and I would request CFPB to direct XXXX to allow me to continue to operate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple hard inquiries ( seven total ) spanning from XX/XX/XXXX to XX/XX/XXXX by Clarity services on behalf of XXXX XXXX ( leasing company for XXXX XXXX ). These inquires are only on XXXX I tried to resolve with the Clarity services but the only response I got was " we had some computer problems around that time, it 's been fixed ). It has not been fixed for me. They appear on my report as " finance reseller '' making it appear as if I looking for payday loans etc. I 've never applied for personal loan or payday loan. 
I have not looked at my credit report in well over two years, so I was unaware of this issue until I applied for a car loan. 
Also, this means that my credit score suffered for year due to these unauthorized inquires and most likely paid higher interest rates unnecessarily. 
On XXXX XXXX I did lease a phone through XXXX XXXX, but there is no inquiry with that date and no inquires by them since.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Company repeatedly corrects my credit report after a CFPB complaint and then immediately puts late payments back on my credit report once case is closed. This is the 3rd time. Each time Bayview Loan Servicing acknowledged their error and each time they report negative information which is against court order and lawyer. My account has NOT been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Conventional home mortgage) with Altisource Portfolio Solutions, S.à r.l. (PA).
Issue: Trouble during payment process

Complaint: I have filed several complaints with the CFPB to no avail. I recently discovered that if the complaint receives a response it is considered closed. This is absurd Responding is not a solution, therefore, we will try again and see if they can still pass the buck. 
1. XXXX XXXX denied they were a XXXX XXXX so the Department of banking was unable to assess sanctions. 
2. XXXX XXXX XXXX XXXX foreclosed in spite of rectifying the accounts servicing and other illegal fees. ( XXXX. ) They proclaimed they only offered representation and forwarded my complaint to XXXX. 
3. XXXX 's Ombudsman conveyed erroneous data.A foreclosure sale was XX/XX/XXXX. The reasons for the sale were never resolved so I gave in! They state an inspection was completed XX/XX/XXXX and the property was determined vacant and was secured. The property was not vacant, I was out of town for the holiday abd neighbors were watching the house for me. Upon my return I was unable to gain access to my home. I notified Altisource who was responsible for the lock, The XXXX County Sheriff, the XXXX XXXX Police, Congressman XXXX and the attorney general. The verified the lock was placed XX/XX/XXXX. 
4. The replacement value for the goods sold at auction total a little less than {$7000.00}. 
XXXX said I owed them money, however. the bankruptcy erased this obligation.There were no Ejectment, eviction notice or postings provided. 
XXXX will not change their decision due to XXXX  's lies.

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