milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with FirstPoint Collection Resources (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received letter First Point Collections Resource XXXX XXXX, 2017. Attempting go collect a debt for XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, First Point Collections or XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX years ago, My Credit Score was dropped from XXXX to XXXX. I run my credit report via XXXX and XXXX. I found out there were {$290.00} charged on my macy 's account. I called macys many times and still ca n't get the issue resolved. They have n't even provide me the credit card statement. I have requested for it many times. All they were saying I have {$290.00} due on my card and I have to pay for it. I have been keep telling them I have n't use my macys card almost XXXX years. Everytime I call them, They said they are doing their investigation. I also file a complain via macy 's fraud department email. But still have n't received any response. This has been going on almost XXXX years and at this moment I want to get this issue 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 monetary relief
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.

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 01/31/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Closing/Cancelling account

Complaint: I called Barclay and closed my credit card months ago. Paid the amount the woman on the line noted and I thought I was done. Then months later I get an email that there is a balance? I call them and they will not help me without the card number. I do not have the card number and destroyed everything to do with it. Then they ask for my SSN #, birthdate, and everything else and then hang up. Barclays shared my information with at least XXXX other support firms around the World and are encouraging identity theft with their practices. Why do I have to give up all of this info for an inquiry? How do I resolve this matter when I give the info and they hang up. They used XXXX for their login page and ask for your SSN #, when XXXX IS NOT SECURE? BARCLAYS IS A SCAM!!!!!!! They have no desire to resolve the matter and certainly enjoy the encouragement of personal identity theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (AZ).
Issue: Making/receiving payments, sending money

Complaint: I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. 

I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message.

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 01/31/2018 about Debt collection (Payday loan debt) with BTH Management (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Borrowed money back in 2013 for {$1000.00}. fell behind and tried to work things out, in the mist of getting funds together when I called them back they told me they lost my information and had to look for it and would call me back. They never did and I repeatedly called them to make payments arrangements yet they could never locate my account. 

The information on my credit report in incorrect, the date of last activity, the open date is all incorrect from the loan application information. I am asking to have this information verified and corrected or have the account deleted from 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 03-07-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I am losing my home and thus will have a physical address and my credit card, American Express, requires one for my account. Apparently this is a requirement for the Patriot Act but if I do not have a physical address, I can not provide one. What do those of us without physical addresses do?

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: I am writing regarding the case CFPB and XXXX with Honda to Address Discriminatory Auto Loan Pricing. According to settlement Honda took advantages of people. As it turns out as a XXXX, and reviewing my loan, terms, as well as interest, I believe I did not received a fair shot or assessment. I purchased XXXX vehicles from Honda. XXXX in XX/XX/XXXX, and a second in XX/XX/XXXX. As I thought that I received a fair deal, even with a great credit score, the loan payments and interest were very high. It saddens me to see this, as in my family we have own Honda since XX/XX/XXXX. However, in comparing the market and average interest rates as well as payment from fellow Honda customers, I believe my wife and I were either discriminated or taken advantage of. This is very unfair, and I am seeking assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has ruined our life, by denying a payment paid to them via our checking account at Wells Fargo to Wells Fargo Mortgage. Then slapping enormous amount of late fees and what not. This is my third complaint to you, but you are also not helping.

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 09/20/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Incorrect information is listed in my collections section. The collection agency, XXXX XXXX has reinserted a previously deleted account with false information. This is an account that I am no longer liable for and has now been added back on my report with incorrect dates as it is extremely past the allowed time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (I do not know) with Integrated Recovery Services (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been receiving phone calls from an XXXX number. They leave an automated message asking to call back XXXX, informing me they need a legal statement from me and failure to do so will result in them collecting my wages, employment, and liquid asset information. There is no mention in the message of the person 's name or the company they are calling from. I have not received anything in the mail from this company trying to collect a debt. I do not want to call back because I have read more than several bad reviews about these phone numbers that they are scam artists threatening the person they call and relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

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 09-08-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: So Discover Bank has been ordered to provide ID protection to all of their cardholders for FREE! What about all of us former cardholders ho had their ID that Discover had hacked or sold
by Discover? 
I am over {$40000.00} in credit card debt thanks to Discover letting my information to be hacked or sold! 
I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX! 
How many more Accounts has been set up using my name, SS number, birth date, home phone and/or home address from MY information that they got from Discover Bank? 
And HOW can I stop all this and being sued in court by Discover that let my ID to be hacked!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with Delta Management Associates, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called a family member that did NOT have my cell phone #

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Settlement process and costs

Complaint: We were approved for a short sale with a closing date needed by XXXX/XXXX/15 by Bank of America. On XXXX/XXXX/15 our buyer had an extreme medical emergency, when we asked Bank of America to give us an extension on the approval ( approval letter advised extension were possible ) to allow our buyers emergency to subside they denied an extension stating that Bank of America was going to sell our loan so they could not extend the approval. Closing attorney office asked several times and Bank of America kept advising that because they were selling the loan they could not do anything to extend the approval. Now after a couple weeks and repeated inquiries it turns out Bank Of America DID NOT sell our loan. We have the same contract in place for the house sale and now they are advising because the approval expired we need to start all over and be reviewed all over again. ( Which takes months to complete ) We feel we were not fairly treated and that Bank of America should be able to reopen the approval they already gave. They refused to give an extension based on the fact that they said they were selling, but they did n't sell and the approval expired due to their false information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my XXXX mortgage with XXXX for the past 10 years and have not had to pay a fee to make online payments. My loan was recently sold to Statebridge Company, LLC. XXXX charges a {$5.00} fee to make online payments. I called to inquire about having this fee waived and I was told that they are unable to waive it unless my Mortgage Note states that there is no fee to make payments. Being in the mortgage industry myself, I know that Mortgage Notes do not state such information. I would like the {$5.00} fee to make online mortgage payments waived indefinitely on my loan # 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 10/25/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: Credit card company denied charge back on the purchase of a pet food supplement. The product did not match the description on the website. The credit card company demanded written testimony from an expert ie veterinarian or pet food store stating that the product was not as described. This, despite my providing proof that the description on company website differed from the fact sheet that was included in the actual product.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Carrington MS LLC by XXXX. Issues from day 1, including no notice from them that they 'd purchased my loan. They made making payments difficult and basically forced me into missing a payment, the 1st and only payment that was ever missed in 7 years. Last year they sent me a letter falsely attempting to say I was required to get PMI. When I called they said it was a standard letter sent to all customers ; the letter said it was required due to loan type, it was not an informational letter. It took me 2 separate calls to get someone to send me a letter stating that I, in fact, did not need PMI. My concern now is that they are withholding my money. My home was sold in XX/XX/XXXX and the mortgage therefore paid off. I had to make somewhere between 5-10 calls over the course of 2 months to them in order to get a refund of my escrow, each time getting a different excuse as to why I had n't received the check and that they could n't tell me what the escrow amount was. When the check finally came, it included no information related to how the escrow amount was reached. I was told last month that the refund for my final mortgage payment ( XX/XX/XXXX ) was mailed to me on XXXX XXXX. I was told I 'd get a separate check for mortgage payment refund by XXXX separate agents, but told they could n't provide the exact number. I called today and was told that the check I received for the escrow refund included the final mortgage payment as well. The agent told me the amount of the check I received for the escrow refund. I asked for a breakdown of the escrow check, he said he would mail it. I asked that he tell me, to which he said he could n't discuss numbers over the phone. Even though he 'd just given me a number. In any case, the escrow refund is only for the amount I had in escrow, it does not include any additional monies as he tried to state. I asked my I was told by XXXX other agents on 2 other calls that I would be getting a refund for the final mortgage payment. He said they were incorrect. He all but refused to transfer me to a supervisor, then finally sent me to a general voicemail. It has been over 3 months since they were paid off for the loan. They are withholding monies that do not belong to them. I can not see where I have any recourse and do n't know what to do.

Company response to consumer: Closed with explanation