milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: I got a loan from  rooms to go th e bank that fiance the it was synchrony Bank. I paid the account in full in   XXXX   XXXX     in   XXXX   XXXX   XXXX     sent me a letter saying that I still owe them money. So I in return sent copies of checks showing that the accounts where paid in full. But they are still reporting to the credit agencies late payments which is wrong.

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 05-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited  XXXX  Cashiers checks in my Bank of America  Checking acc ount on  XXXX  in the amounts of {$21000.00} ( a Bank of America  Cashiers Check  ) and  XXXX  " Official Checks '' drawn on   XXXX   XXXX   in the amounts of {$50000.00} and {$6700.00}. Bank of America put a hold of {$44000.00} on the funds, i.e., the paid {$32000.00} into my account until  XXXX . That means they paid the {$21000.00} Bank of America check and {$11000.00} of the  XXXX  checks. I called up bank of America both on  XXXX  and on  XXXX  and get sent around finally to the  Manager of the Escalation Dept. who was of little help and   described that they were working under Federal Reserve CC. I did look it up and it seems to me since I made the deposit in person they should have the funds available to me sooner than  one  week. I certainly need the money sooner than  XXXX . Can you help me?

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Since  XXXX   XXXX ,   XXXX   I have been struggling to remedy the effects of identity theft. Most of the fraudulent accounts I have been able to block successfully, however  one debt collection agency refuses to block the fraudulent accounts I have specified. Through certified mail, I sent them documents three separate ti mes supporting my position. I sent a letter identifying myself as a victim of identity theft and specified the fraudulent accounts, a  XXXX   XXXX  County police report, an FTC Identity Theft Affidavit signed by an officer, a copy of the credit report with the accounts indicated, a copy of my California 's Driver License, and a copy of an insurance statement as proof of my address. I have called  three times but I keep getting the run around, or have debt collectors s creaming in my ear until I have no choice but to hang up. They conducted an investigation, and failed to notify me of the results. They decided after reviewing the information on the reports, that the debt was in fact mine. But several of the accounts were opened while I was incarcerated in state prison, so they are wrong. I do n't know how to deal with this company and I need help enforcing the law, otherwise these fraudulent accounts will remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.

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 12-01-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Other

Complaint: HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
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: Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.

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 12/27/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: Hello, my name is XXXX and I lived in XXXX for 4.5 years while attending XXXX University. I started an online business while in college selling high-value designer goods. I was the victim on an online return fraud, caused by EBAY and PAYPAL. in which the individual returned me a counterfeit item via USPS mail. 

I sold an individual named XXXX of XXXX, NJ ( Shipped to his address at XXXX, XXXX XXXX ) a vintage, handmade designer belt for {$500.00}. He opened up disputes with the payment processing company, first falsely claiming that he did not receive the item ( when I checked the USPS tracking it had arrived that morning ). Ebay ended up siding with me after I contacted USPS and provided proof the item was received. 

He then opened up a different dispute claiming that the item was not as described, claiming that it was a counterfeit belt, which forced me to accept a return. When I received his return, he had sent me a counterfeit replica of the belt I had sold him. The item he returned to me was completely different than I originally sent. 

After providing these images, ebay sided with me. He then opened up a dispute on paypal, which they sided with him. I called paypel a dozen times and provided pictures, and they still refunded him the money from my account, claiming I needed a police report as proof. 

I attempted to contact the XXXX police department by phone in XXXX, and was told to contact my local police department. At this time, I was in college in XXXX, XXXX, and unfortunately they told me to contact the XXXX police. They were both useless. Thus, I filed 2 FBI IC3 Internet Criminal Complaint forms ( # XXXX and # XXXX ). Finally, paypal gave me money back out of their own pockets. 

The transaction took place on ebay through paypal. Neither of the companies assisted me in any way. I contacted multiple other sellers from his transaction history and they told me he had performed the same return fraud against them. As far as I know he has done this at least 4-5 times. I have picture evidence to back up everything I have said, as well as screenshots of the entire conversation history. He sent me multiple abusive and threatening messages in the course of commiting the return fraud, all of which I have documented. 

The worst insult is that ebay has deleted all of the negative feedback I left the buyer. They deleted other feedback from different people he scammed. They removed all of the resolution center history off the website, making it inaccesible to me. They wiped clean any evidence of this ever happening. The user changed his username, and did not receive a ban, even though he very clearly deserved it. 

I have already received my money back after 2 months of hard work, stress, and anxiety, but I would like to continue for justice against ebay and paypal for letting this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
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: On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.

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 06/29/2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: Credit Central in XXXX, TN calls me everyday, 3 x a day even though I sent a letter stating not to call me at work. They sent a man out on Saturday morning who tried to force his way into my home. He blocked our cars in the driveway, harassed me in my front yard after asking him to leave and he followed us for several miles after we drove out of the driveway. we took pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has put a collection on my credit report that was not mine. I contacted them and had it removed. Now the phone calls have started again for this collection that is not mine.

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 12-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Billing disputes

Complaint: My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.

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 02-03-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted LVNV FUNDING , LLC for the past 6 months as it relates to an account they are alleging I owe and have placed on my credit without first validating to see if the account actually belongs to me. It does n't!!! 
They continue to ignore the notices that I have sent them but apparently they are advising the credit bureaus that the account belongs to me. 
Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017

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 03-04-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: APR or interest rate

Complaint: I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 09/19/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company called PROFESSIONAL FINANCE CO is filing on my credit report even though I pay them every month. When I checked my credit report on XXXX XXXX, 2015 I noticed that they were reporting the incorrect balance and have n't even sent any type of bill or notices to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are wrong issues appeared on my report,  XXXX   XXXX   XXXX   XXXX   XXXX  BKPT CT AZ  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Medical) with Capital Accounts, LLC (KY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: American Express has not been transparent or truthful in providing accurate interest across Promotional balances. I 've asked for evidence of this throughout the course of the timeline of the account being open. Instead of providing a balance sheet with interest calculated per charge, they just claim that putting just the Interest that I owe on the statement is enough to go off of. This is very concerning, because it 's easy for human beings to stand by something that a computer is clearly displaying. American Express representatives do not see how calculations of interest are being accumulated. They just see what I see on my statement, which is just a total interest amount. 

I 'm not convinced that the interest they claim is being calculated is always 100 % accurate, according to how Credit Card laws specify what is proper procedure for calculating interest. Many representatives just claim that American Express has been in business for many years, so why would they charge incorrect interest. I 'd like to point out the various lawsuits that have happened where American Express was ruled to have been doing just this. I guarantee they 'll " skim '' through this and reply with just their " formulas ''. What they should be providing is full disclosure of each charge and what interest amount became accumulated as a result of that charge. This helps me understand how I can compare my calculations to theirs to see where the disconnect is. I refuse to pay for profitable interest on their behalf either calculated intentionally or unintentionally that is INCORRECT.

Company response to consumer: Closed with explanation