milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me up to 6 to 8 times a day and they will call all day on Sundays. We told them that they should n't be calling us on Sundays and they do n't stop. We are only behind about {$200.00} we have talked to them and told them we have been paying {$75.00} over per month on our bill. They said we need to pay the {$200.00}. Our monthly bill is {$400.00}. They have told us that they will keep calling until its paid up to date.

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 11/25/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: it has become clear that MCM is in the business of fraud, deceit, deception and prima facea criminal activity. MCM has averred that my husband of 29 years are not married. MCM has sent numerous statements to addresses at which we have never lived. MCM has relentlessly hounded my XXXX year old mother-in-law with phone calls that sent her into a state of sever mental distress. MCM has consistently bargained at a level far below bad faith. to be quite frank it would have been far more pleasurable to deal with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Mortgage significantly overcharge the payoff amount of my primary home loan by more then {$8500.00} at closing when I sold my home in XXXX XXXX. The previous year in XXXX, XXXX we executed a term-extension only modification that spiked our payoff over {$11000.00} from the previous month 's statement, which Chase can not reconcile after spending many hours reviewing their detailed history on the phone. I hired an Accountant to audit the detailed history suggesting I contact CFPB after no calculus with arrears back escrow, interest, accrued penalty come close to fees charged. Additionally Chase refused our full mortgage payments we paid in the successive months prior to modification which hindered our efforts to make catch up payments avoiding the need for modification

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureaus XXXX, XXXX, and Equifax are acting as an accomplice with the banks fraudulent activity as I have reported that XXXX XXXX failed to address fraudulent activity I submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. This is illegal. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). The information reported to the credit bureaus is fraudulent. As permitted by law, I have rescinded my signature from the original application due to fraudulent activity. Attached is an sworn under oath un-rebutted Affidavit as reference. XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result the account listed with XXXX XXXX is null and void. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Few years ago I dispute a fraudulent Parking ticket due to the fact where my vehicle was parking its different from the address it shows in the parking Ticket, even I disputed the validation of the ticket with the City of XXXX XXXX, They never corrected the mistake done, Now I got a letter from one of their debt collectors threating me to intercept my tax refund, my registration place or my vehicle be towed.
I would like the Agency to stop this debt collector threats and remove any collection activity because this alleged debt its been disputed due to be a Fraudulent action. 
I 'm enclosing a signed letter to them as well their letter I received few weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: received a letter asking me to provide my taxpayer id or SSN to them and if I did not, I would be fined by the IRS. The IRS has my correct info, and so does this company!! the letter was dated XXXX/XXXX/15. I have the email I sent to them not to contact me any further on XXXX/XXXX/15 at XXXX. to XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A collection agency sent me a letter on behalf of XXXX XXXX commpany for a past due utility account which I never had. Transworld Systems Inc. is the collection agency. They advised me the past due bill is for a property in XXXX, MI which I never owned. I have never lived in or owned property in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My Chase Mortgage Statement has XXXX payment options. I was reviewing the option to pay the mortgage off in 20 years but the payment amount indicated on the mortgage statement did n't make sense. I manually calculated the payment and came up with a payment roughly {$2000.00} less each month. I checked and rechecked, assuming I made a mistake. Then I phoned Chase, the customer service agent pulled up her copy of my statement and insisted the statement was correct. As we continued the conversation I explained what I thought was incorrect and eventually she manually calculated the payment herself and admitted the statement had bad information. However, this loan has been an interest only loan so the principal amount has been about the same throughout the last nine years. She then went on to tell me the 20 year amortization is actually based on 12 years. I questioned that since the statement says it 's based on 20 years but she said the calculation was fixed at the time of origination and that would have been the payment if we had started making the 20 year payment at the time of origination. That does n't make any sense and is misleading. There is still 21 years left on the mortgage and basically no principal has been reduced so 20 years should be 20 years and not 12. I think their making excuses for a glitch in their mortgage statement and instead of admitting it was an error they 're trying to say 20 is actually 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Struggling to pay mortgage

Complaint: I have tried repeatedly to obtain a loan modification have been asked for the same information three times and verified that they received it and it was what was requested the last time i was denied according to them due to the fact they stated that they were blocked on my telephone the only block that was on my phone ( it has bee turned off ) was annomoyous callers they have since been calling me on my business phone in spite of repeated requests to only call my home what kind of bank hides their caller id when dealing with a consumer they are attempting to supposedly help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with U.S. BANCORP (KY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Offending institution : US Bank There are two separate instances where I was charged a monthly fee where I do not believe I was fairly charged. 

Incident 1 : On XXXX XXXX, XXXX, I was charged {$10.00} for my account. I had, for the four years prior, always met the requirements to have the monthly fee waived. Without notice or warning, the conditions to have the monthly fee waived were changed for the XXXX XXXX XXXX. I changed nothing in terms of amounts deposited or average activity from the months prior. I discussed at the branch nearest me, and they recommended I open a credit card to have the fee waived. I declined to do so and requested my account be downgraded to the XXXX XXXX XXXX. Per the bank 's website, monthly direct deposits of {$1000.00} or more will result in the fee being waived. 

I have XXXX monthly direct deposits in excess of {$1000.00} each month, so I assumed my change would make the problem go away. 

Incident 2 : On XXXX XXXX, XXXX, I was again charged for my account. This charge was the {$6.00} charge for the XXXX XXXX XXXX. I discussed the fee at the same branch where I made the account change today ( XXXX/XXXX/XXXX ). They do not know why I was charged the fee. When asked to refund the fee, they said that they could 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 monetary relief
Consumer complaint received 10/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today, XX/XX/18, I contacted the collection agency that recently sent me a letter regarding a collection matter that I thought was already resolved. The company is : XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Without any success in resolving this matter again, I am now contacting you for help. 

My nephew, XXXX XXXX, was involved in an accident and went to the hospital. I received a bill for his visit. I am not responsible for his medical bills, as he is XXXX XXXX XXXX and no longer lives here at home. I first contacted the company, XXXX XXXX California, who had sent the first invoice and informed them of my situation. They supposedly had made adjustments to the account and assured me that my name would be removed from the invoice as it was not my responsibility. That did not happen. I just received a collection letter from another agency with my name still attached as the responsible party fr this debt. 

I am NOT responsible for this bill! I have tried to resolve this matter every way I know possible without any success, and now need your help to resolve this. Please help me and/or advise what my next step should be to keep this matter from damaging my credit. This is completely outrageous that I have had to put so much time and effort into a matter that has nothing to do with me. My next call may have to be an attorney! Please HELP!!! 

Thank You in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Procollect accepted the terms of the payment sent which were VERY clearly stated when they posted the payment to the account. The terms of the agreement should NOW be followed.

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 10/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: Capital One is who I have the complaint with. I have reported them to you in the past also. 
I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. 
This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? 
All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. 
Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. 
I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. 
I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! 
I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation are attached.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these accounts.

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 10/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SN SERVICING CORPORATION (IL).
Issue: Struggling to pay mortgage

Complaint: We had XXXX loan with XXXX sice XXXX, but in XXXX due to job loss, we had defaulted on payments and it took us almost 2 years to work out loan modification with XXXX lienholder XXXX as XXXX lienholder was in transfer almost every year. Last servicing we knew was XXXX XXXX XXXX XXXX where there was never alive representative on phone, and after lengthy hold times, our calls just got disconnected. Then in XXXX XXXX we found out that servicing was transferred to SN Servicing.  However, there was never a letter or notice sent to us to advise of such transfer. Moreover, we were not even sent monthly statements for last 3 years. 
We have been working hard to keep our home and were happy to workout payment with XXXX lienholder and have not been late for over a year now, but SN Servicing is not willing to compromise and accept settlement or workout. Our calls and faxes were ignored. We made a settlement request in XXXX XXXX but learned only in late XXXX that it was declined, no counter offer, nothing, except recent letter from attorney that states loan is in foreclosure now. Earlier today, XXXX XXXX, XXXX I was finally able to speak to XXXX XXXX at SN Servicing who just demands XXXX  XXXX to bring account current and is not willing to present my request for monthly payment arrangements to investor, she was rude, unprofessional, and once I demanded to record our conversation as she language was unacceptable, she just disconnected the call.

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