milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection company lvnv is reporting XXXX accounts under collection that are zombie debts. LVNV created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Balance transfer

Complaint: I received a credit card offer in the mail and I went online to apply. The application also had a space to enter balance transfers. I put in XXXX cards info. After completing all I got was I will be a response in the mail. When I received my card there was NOTHING saying anything about the transfers I entered.Searching the letter with my credit card attached, I ca n't find what credit limit they gave me. When I see that it 's XXXX which would not cover both transfers after realizing the transfer fees would put me over my limit. They had enough information to know what limit I needed. I had no clue that the info on my card was being processed as I thought it was part of the application to determine eligibility and limit. I called after receiving the card and asked that only XXXX of the cards be transferred. I gave all the info to process my highest interest card.A couple of days later I emailed asking why the transfer was not showing up. It took 3 days to finally get a human on the phone. I was asking about the transfer I called in. I was told it was request the transfer was being sent to my house.?? I asked her what a balance transfer was and she told me then I asked then why and what part of the transfer was being sent to my home. She was not making any sense. After that I talked with a VERY rude guy named XXXX. He said the transfer I called in was no good and would not be processed. He kept going through their legal jumble about it takes 2-4 weeks to process.I have done transfers before and they only take a1-2 days.I gave him the info and sure enough it was done in less that 48 hours my cc was paid. BUT XXXX giving me wrong info told me to keep making payments, so I made the payment the same daY to make sure it was paid. This caused 2 payments to go thru and I now overpaid the bank. In the mean time the 2nd transfer I put on the app gets processed with out my knowledge and forces me to be over my credit limit. 
They intentionally give false and misleading info and failed to give me enough credit to cover the transfers I put on the app. I do not find this out untill after it 's done and too late.I tried to get them to cancel the 2nd transfer but they refused. In my opinion they have committed fraud. The charges have put me over my credit limit and subject to penalties which include loosing the zero % offer that I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. 
EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). 
Then again i got charged on overdraft fee for an item while still pending and again when it cleared

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan repayment, on XXXX, was recalculated by Pennsylvania Higher Education Assistance Agency for the year and they did not include my wife 's loan in their calculation causing a much higher amount to be deducted than necessary. My student loan payment for my loan jumped from {$260.00} to {$670.00}. The amount they debited however in XX/XX/XXXX was {$810.00}. My wife 's loan increased from {$190.00} to {$420.00}. This increase was due to a failure on my part to confirm her updated yearly certification. I received one email and no reminders from Dept. of Ed. to finish the process. This difference of {$800.00} is significant. I 'm working XXXX jobs to try and keep my head above water. My salary as a federal attorney has lost ground when compared to health insurance premium increases and property tax increases in XXXX County, MD. I work part time on the weekends at XXXX XXXX, but that additional income only increases the amount I 'm expected to pay on my student loan, creating a vicious feedback cycle. I 've recently taken a XXXX job as a part time tribal judge. With a XXXX child XXXX, XXXX XXXX not counting my work hours at XXXX towards XXXX status, this expected but wrongly calculated increase has severely cramped our budget for the month. 

I also have a hard time understanding their PLSF calculation. I was hired at XXXX on XXXX XXXX, XXXX. I worked for XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. Their calculation says I have 95 payments to go. I have been making loan payments, when not in school, since I worked for the XXXX. I will have 13 years of federal service in XX/XX/XXXX. At what point does the ten year forgiveness kick in?

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAM National Arbitration and Mediation (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My complaint is against the ADR Group located in XXXX, CA. XXXX ( XXXX ) from the ADR Group called my father 's house looking for me today. First off I 'm upset because they care calling relatives to try to locate me!! I have been at my current address for 19 years and have never received any kind of communication from this company then all of a sudden they are hunting me down and when I do call them back they are threatening to take me to court and file a civil suit against me for a {$750.00} They said it 's for a XXXX bill from 2001. I had a friend call them back to see if she could find out any further information and she spoke to XXXX. XXXX could n't answer some of her questions so she put XXXX XXXX ( XXXX ) on the phone who told my friend that the company ( XXXX ) waited 10 years for the statue of limitation to be up to take me to civil court to collect this debt. I 'm just wondering why they would do that because if I owed them why have n't I received any communication from them? He also said I could settle the account today and today only for {$350.00} which will not be possible because I am unemployed. He gave me two options to pay {$75.00} a month until I pay it off or settle the account for {$350.00}. He also asked for checking account information and a date to collect on the settlement amount. I 'm very leary of giving someone access to my friend 's account and she called the bank and they told her not to do that ( I do n't have a checking account ). XXXX told my friend that I had until XXXX today to call them and give them checking account information. I am not employed and I do n't have a checking account. It 's not right that this company would contact me about an account that I ca n't remember, and on my first conversation try to get me to give them my personal checking account information and all they are telling me is that it is an old XXXX bill without showing me NO proof. Can you please have this company stop calling my relatives and to close this old account and not to take me to civil court. Thanks

Company response to consumer: Untimely response
Consumer complaint received 05-06-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contact Experian about some thing they got on my credit report that is not my.like XXXX.refuse to move it off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a bunch of american express credit card because of an advertisement they were putting all over the internet to get XXXX points if you spend $ XXXX on the card. The platinum card cost {$450.00} a year but being that they offer {$200.00} worth of travel credit I decided it was worth it for me to get the card. So I signed up for XXXX cards and spent the $ XXXX on each card as agreed upon in the offer. When the reward hit my account I used them to book a first class ticket however each time I booked the ticket I was told a few hours later that the ticket was cancelled. long story short american express decided that I was not entitles to the rewards they promised and charged my card a WHOPPING {$22000.00} in order for them to get the points back in my account. In other words. After I used my points american express deducted XXXX points making my account negative a bunch of points. Three weeks after my card was closed they charged my card {$22000.00} to put the points back in my account. <P/>My card was closed and I did n't give them any right to charge my card. If they believe I should have not gotten the bonus they could have argued that. But to charge my card without my consent is FRAUD, conversion and wire fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.

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 03/31/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Loan modification,collection,foreclosure

Complaint: I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. 
I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! 
In the meantime, we are falling behind because they are not accepting payments from us. 
We will never get help from them!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for 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 explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage paid my property taxes two months late due to an initial incorrect property tax payment and then preceded to charge me for their mistake by adding an additional $ XXXX. to my Escrow Acct. They took two months to correct the XXXX. problem of the incorrect property tax payment, and after 6 weeks of numerous calls, e-mails, faxes, and letters they are still increasing my Escrow Acct. The person that I talked to acknowledged the mistake but had to send it to a committee and would call me back in 7 days. She never called back. Nationstar never calls back when promised. I will attach most of my correspondence. THANK YOU FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble during payment process

Complaint: Straighten out the mortgage account.. There have been no late payments so not sure why erroneous late fee charges among other wrong fees/charges accessed to the account.. 

Why is the mortgage balance not reducing when there have been payments made & accepted by Capital One for every month 's mortgages account. 

This matter has been in limbo for over 6 months as Capital One is still researching the issue??

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Mortgage) with Ditech Financial LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: keep calling me saying I took out a second mortgage in 2001, amount is {$73000.00}, i NEVER TOOK OUT A SECOND MORTGAGE OR ANY LOAN, I have been on XXXX since 2001, they are telling me it is on my credit report, it is not on there, they say they have a notorized signature for me. Never received anything in the mail like they said, said they sent several notices, never got 1.This is a scam! 
I have read hundreds of complaints on them on the internet doing the same thing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Confusing or missing disclosures

Complaint: On XXXX XXXX, I went to my local Walmart XXXX run some errands. After finishing my grocery shopping, I went to the Walmart XXXX XXXX to purchase some money orders. After waiting in line, I was told by the XXXX on duty-XXXX, that the particular location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX had adopted a policy to turn away XXXX people. When I asked him to clarify, he said the store management had identified XXXX as suspicious and told me to go to another grocery store. I believe that Walmart does not have any policies against people of a particular descent and felt that the XXXX was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My business partner, XXXX XXXX, had opened up an American Express credit card sometime XX/XX/XXXX last year, XX/XX/XXXX. The CC was opened without my consent but included my name and my business name on it : ( can not include my name per instructions above ) and XXXX ( my business ). I hold 50 % of the business and I am the full investor of the business. I was aware of the card because it was presented to me XXXX after it was issued but I never approved of the card/credit. I do not understand how AMEX allowed to issue a credit card with my business name and my personal name on it without speaking to me. What truly makes me upset is that AMEX allowed XXXX XXXX to cancel my account XX/XX/XXXX without my knowledge. XXXX cancelled me out so that he could do whatever he wanted to : personal vacations, gas, dining, shopping, you name it. I called AMEX many times but they will not give me any info on transactions simply because my account no longer exists XX/XX/XXXX. XXXX has been making pmts to AMEX out of my business checking account ; charges are worth of XXXX and plus, which is effecting my payroll account and business operations overall. Because of XXXX large withdraws from the business account, I was forced to contribute my own personal money into the business to save all accounts and pay my employees on time. I am helpless here. Please help me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with Resurgent Capital Services L.P. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company has a debt on my credit report that is n't mine and keep readmitting it. I 've disputed it several times and its hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Payday loan) with National Principal Group, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I took out a payday loan in XXXX which was paid in full. Now, 11 years later I have a company contacting me constantly stating that I never paid the debt and that they are going to sue me. They have even contacted my family members and my in laws ( whom I did n't meet until XXXX ) I have explained to the company that I do not owe anything for that loan and they become rude and start calling me a liar, etc. I honestly believe that they got a hold of my information somehow and are just trying to scam me out of money. The original creditor has never made any attempt to contact me in regards to any discrepancies on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax used my information improperly by failing to store it securely, willfully allowing an information hack that will affect me and millions of other credit users for the rest of our lives. They cut corners by saving information in plain text, compromising millions of involuntary customers who have no right to refuse service, increasing the company 's responsibility to protect its unwilling " customers. '' Furthermore, their response to their failure is unacceptable as they are offering ONE year of identity theft protection. This is a lifelong struggle caused by their negligence and they should be offering lifelong protection to all victims.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have recently been made aware that a judgment was posted against me in 2013. I can only state on record that this collection agency and debt buyer never served me personally as to a pending lawsuit that I could have easily challenged. What I believe happened, it that this company mailed a copy of a complaint to my former address in XXXX New York State, submitted false service affidavits, and then filed a default judgment against me in the proper jurisdiction, as in this case XXXX New York. The facts show that this illegal collection practice is a scam : The judgment company has a collection division that states that they are still collecting on behalf of the original creditor. However, the judgment shows that the judgment is owned by the debt buyer. It is in essence a double hit to me on credit, whereas I now have a judgment on XXXX end, and a completely different company on collection, this does not take into consideration the original creditor on my credit reports. The collection process is broken, already confirmed by the Federal Trade Commission. 
I now have XXXX different fights to deal with all because my rights under New York legal practices were violated, and my rights under the Fair Debt Collection Practices Act were also violated. I demand a full accounting of disclosed documents pertaining to the illegal judgment posted against me. 
I demand this company vacate of the existing judgment XXXX.

Company response to consumer: Closed with non-monetary relief