milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Midwest Recovery Systems (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As of my knowledge, collector attempting to illegally collect the debt which I do not owe. 
Letter requesting validation of the debt will be send via certified and first class mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: By telephone, I discontinued lawn and garden service from this company, XXXX. They continued it anyway and billed me, sending the " debt '' to a collection agency, Portfolio Recovery, when I did not pay. 

XXXX 's constant record-keeping errors and lack of communication are the reasons for my ending the service, so I was not surprised when they made a mistake about the service ending.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: had account with   XXXX   XXXX   in   XXXX   XXXX   florida arou nd 2013. close d the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my   XXXX   and credit report just with the last two months. I do not have my old account number. want it removed immediately

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 01/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I signed up for the PSLF plan 7-8 years ago and have been paying monthly since. The loan has been transferred from Direct Loan to XXXX to FedLoan Servicing and my payments have toward my XXXX have not be recorded. On my current statement, I noticed that I have made 0 payments toward my XXXX, so it looks like they do n't even have me in the program. I called several months ago and was told that this information would be collected and updated. I have not heard back from them. I 've been paying for almost 8 years and my balance has increased due to interest and the payments have not been recorded. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (I do not know) with Diaz & Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company XXXX has been consistently reporting incorrect information in my comments that account is closed at consumer request They have reporting balances as the account is good standing and never late but refusing to update status to open since is account open with a paid statement every month. This has been going on since XX/XX/XXXX. I receive automated letters saying it will update in 30 to 60 days. This is my 3rd letter of this kind saying that. The last one in  XX/XX/XXXX but XXXX investigated with a reponse that account closed with a Balance deceasing every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a chase sapphire credit card. I submitted my application and got a notice that they needed to do additional review. I 've never gotten anything like that before, so I called chase to ask what was going on.   After wading through a horrible automated phone system, I finally got to a representative who told me that they were denying my application. I asked why, and she said I had too many credit cards already. I do n't understand why that matters. I 've never been late with a credit card payment, I 've never missed a payment. I believe chase is discriminating against me because I 've reached out to the CFPB in the past regarding their terrible customer service and sending my cards to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Payments are not being applied the same way they were in the past since my loan has been purchased and moved on. ( I have not refinanced )

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I XXXX XXXX received a update on my credit karma app to see XXXX derogatory marks removed from my credit report which was XXXX XXXX and XXXX including many inquiries that was removed as well. 
about 2 hours later the derogatory marks and inquiries was added back to my report. I also have proof of letters send to the creditor with USPS tracking number 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 01-12-2018 about Debt collection (I do not know) with SRA Associates, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX/XXXX/2018 SRA Associates called my place of employment at XXXX. I work at a call center and not allowed to accept calls that are personal. They call and hang up. Need help in getting them to stop calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 've been dealing with the collection agency XXXX @ XXXX. I was given a Settlement XXXX 2016, when given the settlement I advised the representative that I did n't have the funds for the {$180.00} settlement at the time. I then called them XXXX/XXXX/16 asking for a settlement to get the matter resolved by XXXX/XXXX/16 with help from my sister to resolve this matter. Per a XXXX, XXXX and XXXX with Adastra they advised me that they no longer have settlements avalible? I stronly disagree with them not choosing to allow me to settle the account when I 'm trying to get this cleared. I 'm a single mother with XXXX income trying to take care of my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/2018 I called Loan Depot and spoke to XXXX XXXX XXXX at XXXX ( XXXX ) XXXX. I wanted to refinance my mortgage to get a lower APR. I had XXXX XXXX 's direct telephone number because I had spoken to him previously. On the same date he charged {$10.00} to my credit card as an application fee. He called me back later after checking my credit and said I was eligible to refinance. He asked for a copy of my current mortgage statement, declaration page of my homeowner 's insurance and a copy of my government annuity statement. I faxed these things to him on XX/XX/2018. On XX/XX/2018 {$370.00} was debited from my checking account for an appraisal. Before all of this was done, I made XXXX XXXX aware that my credit score was low because I had closed 4 credit card accounts and am working with XXXX XXXX XXXX to get out of debt and raise my credit score. On XX/XX/2018 I received a phone call from a woman, whose name I didn't get, stating she was sorry that they would not be going through with the loan because of the money that is being deducted each month by XXXX XXXX XXXX. They believe I have excessive obligations in relation to my income. She told me I would receive {$370.00} back. I received the paperwork from them dated XX/XX/2018 stating " Adverse Action Notification '' but still have not received my money. I called XXXX XXXX at least 10 times and had to leave messages asking for my money but he doesn't respond. I called Loan Depot 's customer service,XXXX ( XXXX ) XXXX, on XX/XX/2018 and was told they are not sending the {$370.00} to me because an appraisal was done. I have not seen an appraisal and don't want one. I just want my {$370.00} back. They knew from the very beginning they were not going through with the loan. This was their way of getting money from me for nothing. Loan Depot is a rip-off company and I will make sure to tell as many people as I can. Would you please look into this matter. Thank you for giving this matter your time and attention.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This all started about XXXX 2017 ... .I reported my incident to the NJ Banking and Insurance Commission , who refered it to Offiice of the Comptroller of Currency who in turn referrred me to your agency .... 

Yup ... .I have been getting the run around. 

However this is what occurred .... 
I contacted XXXX XXXX XXXX XXXX and spoke with their card representatives on 2 occasions and advised them that that I was trying to increase my credit standing with XXXX XXXX who was represeenting XXXX XXXX on a promotional credit card purchase with XXXX XXXX in XXXX XXXX NJ. 
At the same time I also advised the representative that we were going to decrease my balance at XXXX XXXX ... so that it would not illustrate a high balance on XXXX XXXX card which is also with XXXX XXXX XXXX XXXX. 

On both occasions I was advised by XXXX XXXX representatives that if I decreased or closed XXXX XXXX account which I did not need any more and wanted to increase XXXX, if would be possible. I called on XX/XX/2017 to establish the new credit rating for XXXX-XXXX  XXXX XXXX as I only needed {$700.00} more added to my existing {$3500.00} to make the carpet purchase ; speaking with the representative, I was denied ... I dont understand if two representative tell me that it can be done and then I implemented what they told me to do, then why was I denied ... 

I closed out {$2000.00} of credit on XXXX XXXX synchrony accont and wanted to increase XXXX by {$700.00} and was denied with the same banking institution XXXX XXXX?. I provided my salary of {$180000.00} also. Please help as this is NOT fair ... You can ; t tell the consumer one thing and then turn around and hurt them when you comply with their instructions ... 
It 's very simple I want or need or was advised that I could increase my credit on the XXXX-XXXX credit card at XXXX XXXX by {$700.00} if I closed or dropped the {$2000.00} credit line at XXXX  XXXX ... 
It all makes sense but the Bank DENIED it after the representaievs at the bank advised it could be done? DAH

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 03-08-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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 11/18/2016 about Mortgage (Conventional fixed mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company transferred my loan to another lender and because of the transition they took out a payment for my PMI Insurance ( for XX/XX/XXXX ) in XX/XX/XXXX. The amount is {$200.00}. In the mist of all this, I refinanced my home through another lender. They paid off the loan XX/XX/2016. There is an escrow refund owed to me that does n't include the {$200.00} ( PMI Insurance ) they are suppose to give me for XX/XX/XXXX. I called multiple times and they said the PMI was due XX/XX/XXXX therefore they will not refund me the amount. Why would I pay PMI Insurance for a loan I do not have with them? Its like selling your car and still making the car insurance payment. I would like my {$200.00} refunded for XX/XX/XXXX. They had no right to take that money out a month in advance.

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 04/13/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 5 AND A HALF YEARS AGO I HAD A CREDIT CARD ACCOUNT WITH XXXX XXXX XXXX. DURING THAT TIME MY INTEREST RATE WAS 2.9 %. MY HOME WENT TO SHORT SALE AND UNFORTUNATELY WHEN THAT OCCURED DUE TO DIVORCE, ALL OF MY VARIABLE INTEREST DEBT SKY ROCKETED OVER NIGHT FROM XXXX TO 30 %! MY BALANCE AT THAT TIME WAS {$2300.00}. SINCE THEN I AM TOLD THAT XXXX XXXX XXXX HAS SOLD MY DEBT AND IT IS NOW A CHARGE OFF. I CONTACTED XXXX XXXX XXXX AND THEY WERE UNABLE TO VERIFY WHO IN FACT BOUGHT MY JUNK DEBT. SINCE THEN SEVERAL COLLECTION AGENCIES HAVE CLAIMED THIS ACCOUNT WITH VARIOUS AMOUNTS OWED. MOST RECENTLY CALVARY PORTFOLIO HAS POPPED UP ON MY CREDIT REPORT CLAIMING I OWE THEM A WHOPPING {$19000.00} FOR SAID DEBT WITH XXXX.I HAVE SENT SEVERAL DEBT VALIDATION LETTERS TO CALVARY WITH NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I closed a credit card account with Barclays in XX/XX/XXXX and paid off all amounts owed. In XX/XX/XXXX, I received a bill for a new charge on the closed account. I have called to dispute it multiple times. They keep pushing me to their fraud department and there has been no resolution in spite of my monthly calls. To make it worse, they are trying to collect late charges and interest from me ( which keep growing ), on a closed account, for a charge that I did n't initiate. I have spent hours on the phone with them.

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 02-04-2016 about Debt collection (Medical) with Capital Accounts, LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe any money to this account and they continue to try and call. they are threatening to send a debt to collations that I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeat calls, including early calls for the las t two m onths. In  XXXX  when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in  XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers.     Wednesday,  XXXX   XXXX  --  13 M issed Calls  XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  : Unknown  XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX   XXXX   XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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.

Company response to consumer: Closed with explanation