milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The above selected categories are not exactly what has happened, they are the closest to identifying it. 
I am repaying a medical bill thru automated deduction from my bank account. Medical Data Systems is the bill collector. I began the repayment in XXXX. Yesterday, I noticed my credit score dropped XXXX points XXXX, due to another medical bill for XXXX, it showed the reporting entity as Medical Data Systems. I called MDS and " XXXX '' told me that yes, they reported it, and it was for the bill I am currently repaying!!! That company policy is double reporting every month. This additional posting will remain on my credit report for 7 more years. This bill is the last one from XXXX when I had XXXX, I have been paying off bills for 4 years. When I expressed my outrage and that I would be filing a complaint, he offered me a " settlement ''. A onetime payment of XXXX today and they would wipe out the balance. However, they would not remove the double posting and would not restore my score. Well, I do n't have XXXX today and when I told him that, he asked me if I could ask a family member or a friend for the money ... ..Since the initiation of the repayment agreement, I have not missed or been late. I find this behavior incomprehensible. Too many entities have access too and the ability to effect your credit negatively. It takes a literal act of congress to reel these entities in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Auto) with Sierra Holdings LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We had our ca payment in the bank that was the amount due on the car. They failed to take out thr money saying it was an error in there system. My brother in law had just recently passed away and we notified them about it and were going to pay them this friday the XXXX of XXXX. They have been calling more than 3 times a day sometimes up to 7 times a day. We had notified them that what they are doing is harrasement and i dont think it will stop. Me and my wife both work but we have been going thru personal issues as well and they dont seem to understand that. I have been recieving phone calls sonce last week they were even calling on the days of the wake, the funeral and the memorial service me and my wife were attending for her brother. I just feel like they are harrassing they are also harrasing my references.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my XXXX Credit reports to access my credit history in order to establish why my attempts to acquire credit results in a denial. I have always made it a duty to diligently address any issues before it became a collection and have not opened any new accounts in the past ( XXXX ) years. I request full validation from the crediting or reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

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 11/27/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Dear CFPB In XXXX of XXXX I registered to take classes at XXXX University here in XXXX, FL. 
I applied for a student loan to help with expenses, roughly about {$2000.00}. 
Due to personal reasons that happened unexpectedly I was n't able to attend classes. 
I completed a course Withdrawal form within 2 days of school starting. 
I NEVER EVER ENTERED A CLASS ROOM. 

My application for student loan was processed and executed even-though the school had ample notice of my class withdrawal. To date Navient has been overbearing and hard to deal with in correcting this problem. Navient is garnishing my Social Security check of a {$130.00}. every month. I am on a fixed income due to major health issues and its difficult for me to purchase XXXX XXXX medication, because I barely can afford it. This amount may not seem to be a lot to Navient, but it is a matter of XXXX and XXXX for me. 

I have argued time and time with Navient trying to prove to them that I DID NOT ATTEND CLASSES AT ALL. They refuse to listen and just like that took liberty and garnished my fixed income of Social Security. After many months XXXX University system was able to find my letter of withdrawal and I forwarded that proof to Navient. 

Navient continue to ignore my request to replace all my funds and cease garnishing my Social Security even-though they have the proof that I did n't attend XXXX University. 

Please help me in resolving this matter for its making my medical position even worse. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Medical debt) with Genpact Limited (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On JXX/XX/XXXX, XXXXXXXX GA sent a letter to me stating that I owed {$25.00} on account number XXXX for a pharmacy charge that was incurred after my coverage had expired. ( Notably, they have already been reported to the GA Bureau of Insurance for their failure to refund my premiums, and they were required to return my funds following that complaint. ) The letter stated I had 30 days to MAIL the balance in full to the payment address listed on their letter, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I followed these instructions exactly. I mailed a check in the exact amount owed to the given address, check number XXXX drawn on XXXX XXXX XXXX XXXX. On XX/XX/XXXX, my check was cashed and deposited into a XXXX XXXX  account identified as being owned by the payee of my check, XXXX XXXX XXXX XXXX of GA.
I have now received another letter, this time from " XXXX XXXX '' with the same account number and mailing address, dated XX/XX/XXXX, stating that my account has been turned over to collections for failure to pay the above owed amount. Notably, this letter is dated before the expiration of the initial 30 day period I was given to pay the charge. Further of note, this letter was sent to me telling me my " debt '' is in " collections '' after the debt has been paid.
XXXX GA is attempting to collect a debt that is not owed, and misrepresented the time period in which I would be permitted to pay the initial charge. I have sent a letter back to them in writing dated today indicating I dispute the validity of this debt. I request that they and XXXX XXXX be sanctioned to the full extent of the law, as this is the second state or federal agency I have had to involve to address their illegal and deceptive practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXXthe talked to XXXX XXXX XXXX XXXX to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with transunion please fix. XX/XX/XXXX the per attached pictures said late changed to current per XXXX Last nightXX/XX/XXXX XXXX XXXX XXXX XXXX hit my credit with transunion again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem

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 11-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AK).
Issue: Loan modification,collection,foreclosure

Complaint: my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I logged in today XXXX XXXX/XXXX/XXXX XXXX to make sure I was current and to schedule my next payment. It states my amount due is {$34.00} and not due until XXXX/XXXX/XXXX. I have two student loans : one due for $ and one for XXXX that totals {$34.00}. I called to ask Navient 's customer service why my payment was n't due until XXXX and I was told that I had over paid so I am not due until XXXX. But this {$34.00} is late fees. If I overpaid, why was n't it applied to late fees if i have them? If I am paying in advance how do I have late fees? And if those are my late fees what is actually due and when?

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I wasnt approved for a SECURED Bank of America credit card, eventhough I have been approved in the past.

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 06-10-2015 about Mortgage (Other mortgage) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Settlement process and costs

Complaint: XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit Reporting Agencies should not be able to charge an individual to freeze their credit. An individual 's credit should be frozen on default, including pre-screens, and only be unfrozen at the individual 's request.

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 11-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have been calling and trying to understand and properly negotiate the debt. After speaking with the issuing company I was directed to the collection agency. The person I spoke with in the fall was rude demeaning and lied. She made fun of me for how much I could afford to pay and even said it was a joke, and not a legitimate amount given how large my balance was. She then told me I was refusing to pay, so I paid the only amount I could,  a few hundred dollars.      I have not refused to pay and I can not believe the way I have been made to feel. Is it ok for people to make you feel poor and like a bad person? I am trying to deal with the debt like a civilized person and the company is making me feel like I am worthless. I am a United States    XXXX   Veteran , and I do not need people over the telephone harassing me in order to get more money from me. It is rude, predatory and it really makes my blood boil. Can you imagine how I feel after falling behind on my bills and then being told I am good for nothing, even after I made a payment?     The next person I spoke with was not as rude but still told me my payments were amusing and that I was going to essentially be punished if I did n't pay.

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 02/20/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I have had a mortgage loan with Nationstar for about 10 years and they are now Mr. Cooper advertising that nothing has change except our name. That is not true. 

I called Mr. Cooper as I had not received my XXXX XXXX from them for my taxes ( interest on my impound account which Nationstar always paid in the amount of about {$25.00}. ) This is the first time I had not received a XXXX. 

After 10 years of getting interest on my mortgage impound account from Nationstar now Mr. Cooper tells me that they no longer have to pay interest on impound accounts and they don't have to send XXXX to customers in California. 

This company services 3 million mortgage loans and if this is true and every loan averages $ XXXX/year interest on the impound account that they don't have to pay any longer that is a XXXX XXXX dollar windfall to XXXX XXXX each year and they are false advertising to say that nothing changed except the name. Bolgna.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Account Control Technology, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XX/XX/2017 Account Control Technology Collection Agency XXXX XXXX XXXX, XXXX, Ca XXXX  XXXX ( XXXX ) XXXX Today I spoke with a XXXX, a representative from this collection agency. I inquired about any student loans I may have with this company, because after calling the US Dept of education I was given the above number so I could check with Account Control Tech.
I inquired about why she has my personal information and that I never had a loan with account control and she said well I contract with US Dept of education, so I asked how can you work for account control as a debt collector and for US Dept of education at the same time.
I told her I feel like this is fraudulent and I owe Account Control anything. I told her to do not use my personal information or contact me, or it will be harassment. I was also threaten to have my pay check garnished.
I have her to validate my debt and to send me a contract with my wet signature that I supposedly signed.
I am asking for my debt to be discharged, because of threatening of my and my kids well being about taking my wages and for committing fraud and saying that she works for the US Dept of Education when in fact she is a debt collector.
XXXX XXXX is CFO of this place.
XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have unauthorized and fraudulent inquiries and addresses listed on my Equifax credit report that do not belong to me. The following inquiries are fraudulent and unauthorized : XXXX XXXX Bank, XXXX/XXXX/2016, XXXX Bank, XXXX/XXXX/2016, the following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from PROCOLLECT. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint againstPROCOLLECT in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. 

This debt was agreed to be removed by XXXX and pro-collect. It was deleted 4 months ago and then reinserted/re-reported last month on my credit report as a new collection. 

Attached is my document. 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 03/24/2017 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Managing the loan or lease

Complaint: Consumer Portfolio Services reported the incorrect balance of {$2800.00} on XX/XX/2017 for my car loan account to XXXX, XXXX, and XXXX credit agencies. Prior balance reported as of the XX/XX/2017 statement was {$2800.00} ; payment posted to my account on XX/XX/2017 for {$1800.00}. Current principal balance on my account is {$1500.00}. Please verify & correct the information being reported by CPS, XXXX, XXXX, and XXXX in error.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with Crown Holdings, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to bomb my phone. Many times multiple calls in one day.

Company response to consumer: Closed with non-monetary relief