milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Debt collection (I do not know) with Genesis Credit Management, LLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a loan that was formerly serviced by XXXX XXXX, and is now being serviced by Navient. XXXX XXXX allowed me to access my loan details, which included principal balance, accrued interest, interest rate and type, and monthly payment amount. This monthly payment amount was periodically reduced to reflect my excess loan payments ( I assume ), so that information helped me to adjust my payments when I wanted. Navient, however, has changed their website and decided that my monthly payment due is n't information that 's important for me to have. Additionally, I used to be able to view statements online. Navient has decided that monthly statements are superfluous, and are also not needed by borrowers. So I 'm basically paying for a loan and tracking the balance myself, while Navient withholds information and will probably show a balance that 's higher than what I have in my records. Did I mention that the only information that is currently available about my loan is the principal balance, interest accrued, and past payments? I do n't know why private student loans are even still legal in this country, but this is XXXX ridiculous. If you guys at the CFPB have any power, the least you could do is stop allowing these predators to withhold information from us and prohibit interest rate increases on loans. I 've made consistent and SUBSTANTIAL payments on all of my loans for the past 5 years, and I should n't have to deal with this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: fraudulent inquiries/ XXXX XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank XX/XX/<YYYY> XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XXXX XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX XX/XX/<YYYY> XXXX bank XX/XX/<YYYY> bank Delaware XX/XX/<YYYY> XXXX XXXX XX/XX/<YYYY> XXXX XX/XX/2015XXXX XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX   XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in XXXX  and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

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 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was reviewing my credit report on  XXXX  web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith   XXXX   in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of   XXXX  , and the charge was made on   XXXX  , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that  XXXX  did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CONVERGENT OUTSOURCING AGENCY PLACED A COLLECTION ON MY XXXX AND XXXX REPORT REGARDING A XXXX ACCOUNT ON XX/XX/XXXX. THEY PLACED THIS ON THE CREDIT REPORT ON OR AROUND XX/XX/XXXX. MY SCORE ONCE AGAIN HAS BEEN LOWERED. I SPOKE TO THIS COLLECTION AGENCY AND FOUND OUT THAT THEY DID NOT HAVE ANYTHING IN THEIR SYSTEM. THEN AFTER A BIT ON THE PHONE THEY SAID XXXX RECALLED THIS ISSUE ON XX/XX/XXXX. THE COLLECTION AGENCY PROCEEDED TO PLACE THIS ON MY CREDIT ANYWAY. I CONTACTED XXXX IN PENNSYLVANIA REGARDING THIS ISSUE AND THE AGENT STATED THAT THERE WAS NO NEGATIVE ACCOUNTS IN THE SYSTEM ON ME. THIS IS GETTING A LITTLE OUT OF HAND WITH THESE COLLECTION AGENCIES. THIS COMPANY HAD A ACCOUNT ON FILE WITH XXXX THAT I TOOK CARE OF PRIOR TO BEING PLACED ON MY CREDIT. i STILL HAVE N'T RECEIVED MY CLOSED ACCOUNT LETTER. IM ALSO NERVOUS THAT THIS AGENCY WILL TRY SOMETHING IN THE FUTURE WITH MY REPORT REGARDING THIS ACCOUNT. I ALSO FILED A DISPUTE WITH THE CREDIT BUREAUS AS WELL. i WAS IN THE PROCESS OF BUYING A HOUSE AND THIS WAS NOT A GOOD THING FOR ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. 
companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Penn Credit agreed to remove a collection from my XXXX and XXXX credit reports when a collection was paid off. After repeated promises that it would be removed, it has still not been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The bank opened my account TWO Days ago yesterday I was able to put money into the account but today I can not remove it

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX   verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully XXXX XXXX compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.

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 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Bank of America promised to reward XXXX dollars to customer who spend XXXX dollars within 3 months after opening their credit card. I have not received this such reward, and the bank representative denied the existence of this offer.

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 05-11-2015 about Debt collection (I do not know) with CL HOLDINGS LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a student loan with Navient student loan company since 2012. I have been in touch with this company several times. I realized after 2 years I was making double payments on this loan. I was mailing a payment and then they were taking the payment autopay every month. When I realized this I looked into it and they were charging me interest on both payments and not applying a payment directly to principal. When contacting the company I was hung up on several times and re routed to several people. I was basically told that is how it works because student loans are designed to be payed off within the payment plan originally chosen and that penalties were given if the loan was paid off before the desired payoff year. If I did n't get charged extra interest my loan would of been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Problems caused by my funds being low

Complaint: XX/XX/2017 As many customers I too have had issues with Bank of America hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a BoA rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the BoA reps told me, I called a total of three different times about this same issue over the years to " fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another BoA rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called BoA and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX " bank of america fee complaints '' and you can easily spend all night reading through the massive amount of complaint with BoA. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax is preventing me from removing a security freeze from my credit report by any method bu t US mail. Aside from taking many days for US mail to work I am extremely worried about putting all of my personal information into just a ty ped piece of paper that would make it very easy to steal my identity. Both  XXXX  and  XXXX  make it simple to remove the freeze online or by telephone but Equifax is making it very difficult to deal with my security freeze. I have no choice on which bureau credit checks go through therefore I 'm at the mercy of Equifax. I feel as if I 'm being punished for using a credit freeze with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Incorrect/missing disclosures or info

Complaint: PayPal has failed to comply with the Fair Credit Reporting Act by taking adverse action against me and refusing to provide the name, address, and phone number of the agency that provided them with the consumer report they used so that I may obtain a free copy in order to dispute the inaccurate information contained there in. 

1 ) PayPal uses a verification process that includes matching your phone number to a consumer report. 
2 ) If PayPal does not match your phone number, they take adverse action against you by restricting how much money you can withdraw, refusing to allow you to connect your bank account for withdrawals, and charging you to receive a check. 
3 ) This action applies only to consumers who do not pass their verification process. 
4 ) I submitted my own phone number registered in my name. 
5 ) When PayPal ran their check, they said it was not mine. 
6 XXXX PayPal failed to provide the name of the reporting agency they used even after I requested that they do so. 
7 ) When I specifically referenced the FCRA, PayPal said they refused to owner requests for information by individuals and required a subpoena from an attorney or law enforcement XXXX. 
8 XXXX These actions are preventing me from learning what consumer reporting agency has inaccurate information about me so that I can correct it. 
9 ) It has also cost me money to receive checks rather than direct deposits that I would not have paid but for PayPal 's taking adverse action based on information in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicing was transferred to Roundpoint Mortgage Servicing soon after issuance of the mortgage on XXXX/XXXX/16. Since that time, we 've run into many issues with Roundpoint including related to getting our address changed ( refusal to recognize the correct address ( same as our mortgage property ) ), threatening to force place homeowner 's insurance on the property despite having provided documentation numerous times supporting adequate insurance coverage, and now the realization that they have force-placed flood insurance on our property despite providing proof of insurance on the property which is provided to the entire building through our condominium association. Proof of this insurance was required to obtain our mortgage in the first place. I would have never known that Round Point had done this except for browsing through detailed escrow withdrawal explanations online -- and they withdrew {$1800.00} from my escrow account without any notification, and despite the fact that they have proof of adequate flood coverage through my condominium association, which we pay monthly as part of our dues.

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One 's systems disable my email account and was not sending notifications. I rely on these notifications for making payments and getting information about charges. The previous month I had problems and called but was assured all was okay. I then had another late payment and called again to find out why the email notifications on this account were not working. The technical team got to the bottom of it and it was Capital One 's systems that disabled my email. They assisted in unblocking my email. But I was charged another late fee of XXXX on XXXX/XXXX/XXXX. I then decided to setup auto payment because the Capital One systems were not reliably sending out account notices as they assured customers that there were doing.

Company response to consumer: Closed with explanation