milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with VALLEY NATIONAL BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Valley National Bank to inquire about the waiving of my escrow account. I spoke with XXXX XXXX who said that she " thinks '' escrow is required for ALL condos. I could not find any documentation to support this and then contacted the title reviewer for my loan XXXX XXXX. XXXX told me via email that XXXX and XXXX XXXX federal guidelines require escrow accounts for all condos. I contacted XXXX and was told that information incorrect. I was also directed to a page on XXXX website that contradicted the information XXXX provided. I then informed XXXX of this and she stated again that Valley National Bank MUST escrow on all condos. I reviewed the Mortgage documents that I signed and they contain information about waiving escrow. I have spoken to three people at Valley National Bank who confirm that escrow can be waived. However, XXXX and XXXX, who are responsible for servicing my loan, refuse to give me any information on how to do so or facilitate my request. I have called and sent emails several times and I am provided with false or misleading information. I have also requested a written copy of Valley National Bank 's official escrow policy and they refuse to provide it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a complaint against this company on or about  XXXX   XXXX ,  2017  with regard to my  XXXX  bill. On that same date they responded through this portal with a response and a name of an individual with whom I was supposed to contact to have this debt resolved. Thereafter, on  XXXX   XXXX ,  2017 , I sent a letter to the FCC,  XXXX   XXXX  as well as Convergent advising them that the name and number of the person that Convergent requested for me to speak with NEVER called me back and that I NEVER spoke with her.   Thereafter, I was in contact with someone from  XXXX  Headquaters via email and telephone to advise her tha t Convergent  has not called me to rectify this debt. When the  XXXX   XXXX  called  Convergent,  they lied stating that they have called me and left me several messages which they had not. I forwarded the  XXXX   XXXX  my call logs as well as voicemails. Thereafter, after approximately  2 w eeks of back and forth with the  XXXX   XXXX  I requested if I could pay my debt directly through  XXXX , which I did on  XXXX   XXXX ,  2017 .   Please also note, that I checked my credit report yesterday a nd Convergent report ed this debt as not being paid or disputed on  XXXX   XXXX ,    2017  when they knew and had knowledge of the fact that I was calling them to rectify this matter.   I would like to information on how to sue this company.

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have unathorized credit inquires on all 3 credit report agengencys XXXX XXXX and experian

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 10/21/2016 about Consumer Loan (Installment loan) with BorrowersFirst, Inc. (RI).
Issue: Managing the loan or lease

Complaint: I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was told by phone and in my loan modification one payment and it has now change. My escrow account seems rig. I did n't sign or agree to no other payment. Ocwen is still ripping homeowners off and lying about their agreements. Every time I call each rep gives me a different answer than the other..And they just say I 'm sorry ''. And I say sorry does n't help me. They need professional people that know what they 're talking about and not hang up on their customer. Yes an Ocwen rep hung up on me on XXXX XXXX at approximately XXXX. It appears he got frustrated because he could n't answer my questions. I called back, and all the next rep has to say is " sorry ''. I 'm XXXX off with Ocwen and they need to be legally check again for their mishaps..They are wrong, AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with Hunt & Henriques (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Never received 1st collection notice and or any phone call regarding the collection of the debt. Did receive a letter to threats of lawsuit only. Send fax requesting contact by phone but never got any calls. Requested original application showing my signature that I signed the application and was refused to be provided it. Asked for ITEMIZED STATEMENT, sent incomplete documents after two request. After my fax request was not honored by, HUNT & HENRIQUES ; called to get the information requested and was DENIED. Tired to offer a settlement was told by XXXX XXXX, " NO SETTLEMENT WE ARE GOING TO PROCESS A LAWSUIT. '' She then just hung up on me. Very unprofessional if trying to collect a debt and furthermore not sure if they even stated the mini-miranda when I called there offices. 

Hunt & Henriques XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent complaint letters to XXXX, where I requested them the investigation of few suspicious and inaccurate accounts in my credit report. They received the first one on XXXX, 2015 and the second one on XXXX XXXX, 2015. As of today 's date, I have not received any answer from them. I am desperate because I would like to buy my house and this situation is greatly affecting that possibility. They have exceeded the time allotted for investigating and have not answered any of my questions. This further supports my suspicions that the information is not mine. I do not believe that i am a victim of identity theft, I just feel that the information was mistakenly reported to my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Inquires are inaccurately appearing on my Transunion credit report and Transunion will not verify/investigate/remove them. The following inquires on my credit report were not authorized and I would like them removed. 

XXXX/XXXX -XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX XXXX -XX/XX/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 08/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX address and XXXX names listed under TransUnion credit report does not belong to me nor have I ever live there. Please assist!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Name of Company : XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX Amount : {$3700.00} This account is on my credit report, this is not my account. I have disputed the account and the removed it from one credit report. The company then placed it only credit report with a new balance of {$3600.00}. I need this account to removed from all three credit agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: AFNI is Reporting a debt on my credit that was sold to them by XXXX. XXXX also sold this fraudulent debt to XXXX XXXX. This debt was was removed from my credit. This is against the Law according to the FCRA and FDCP

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Prepaid card (ID prepaid card) with CITIBANK, N.A. (CA).
Issue: Overdraft, savings or rewards features

Complaint: This account is not suppose to overdraft occording to the rules upon opening it. Ive been charged double fees a few times and it is not acceptable.This acct is a XXXX Card by Citi ( its for XXXX donations {$25.00} per donation with numberous fees charged as wel ) Frankly I think it very unfair to the other donors that are cheated to

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 03-11-2017 about Credit card () with Alliance Data Card Services (IN).
Issue: Billing disputes

Complaint: Never opened an account with the company. got a bill with ending # XXXX asking for {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Credit card protection / Debt protection

Complaint: I submitted information to Chase Visa Card member Services on a {$250.00} dispute with XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX on their XXXX # XXXX with XXXX XXXX, Customer Service Specialist XXXX Ext XXXX Mon-Fri XXXX to XXXX XXXX. She recently charged back the dispute amount of {$250.00} to my credit card. I have now consulted with an attorney and it has been indicated that Chase may not have properly reviewed the information that I sent. I sent documentation to Chase Visa showing that some information sent from the hotel is fraudulent and misleading. XXXX and another representative of Chase Visa indicated to me that there was no attorney available to review the documents. They have not protected my interested from unfair and deceptive practices from the XXXX XXXX Hotel, XXXX XXXX, XXXX, NC where I stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and Earlywarning systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Student loan (Federal student loan servicing) with Student Zoom, LLC (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been called frequently by a company called XXXX XXXX XXXX XXXX of XXXX XXXX NV. They promised an Obama loan forgiveness program where they could reduce our student loan debt by 50 % over 13 years. They were aggressive in asking personal information like DL number and credit card number. They asked for an upfront payment to get the loan forgiveness started. I do not think they are legitimate after filling out their documents. Can you advise on how to proceed? Is there an Obama care program that reduces student loan debt?

Company response to consumer: Untimely response
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
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: On XXXX2017, I visited the XXXX XXXX ( FL ) XXXX XXXX XXXX. It smelled like feces, had a broken bed, 1/2 '' of dirt on the baseboards, and a toilet which did not operate properly and flooded all three rooms of the hotel/motel unit. At checkout, I was refused any credit for the problems/inconvenience. I called Elan Financial, as the card issuer of my Fidelity Signature Visa Card, complaining of the poor quality service and lousy hotel/motel operation.
When I returned home I was notified that I was not permitted to file a complaint since, " The purchase must have been made in your home state or within 100 miles of your current mailing address ''. Since I live in XXXX, MA, my right to dispute the transaction ended as I drove through Rhode Island. Additionally, I immediately realized that Elan Financial will not cover any of my Internet transactions from XXXX, XXXX, or XXXX.
I believe this limitation by Elan is unfair and deceptive. If Elan Financial does not allow the dispute of transactions beyond a 100 mile radius, I believe its ability to conduct sales transactions and business should also be limited to each cardholders " home state '' or the stipulated 100 mile range.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed an adverse account on my credit report. I disputed with all  XXXX  credit agencies : Experian,  XXXX   XXXX , and  XXXX . I had a student loan with  XXXX   XXXX  which was opened in  XXXX  and the first reporting date was  XXXX  based on Experian 's updated report. It was delinquent. The account was purchased by another company and paid  XXXX   XXXX  in full in  XXXX . According to credit bureau information, delinquent accounts should be removed  XXXX  years after first reporting  (   XXXX   ).  Therefore,   XXXX   years would be   XXXX   XXXX  . Why is this negative account STILL on my report after  XXXX  years has passed? This negative information is causing me problems in getting a job.

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 08-08-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. 
I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report on XXXX, my student loan debt is double the amount that it should be at this time. I contacted XXXX and transunion about the problem. 
I contacted TransUnion because XXXX lets me know that all information on the report come from transunion. Transunion reported to me that they had my debt at XXXX.and XXXX has my debt at XXXX I informed both websites of the problem and nothing has happened. TransUnion has the same debt on their report XXXX, it is upon the report as XXXX ( XXXX XXXX, 2013 ) and it is also on the report in individual loans that equal XXXX I never had XXXX loan of {$18000.00} at one time. I had individual loans that equal XXXX. 
This mistake has caused me to be denied credit and employment.

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 11/23/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX a fraud claim was resolved in my favor. 

However, US Bank did not handle the claim properly. There was multiple transactions for this hotel between XX/XX/XXXX and XX/XX/XXXX that were not added to the claim. 

I called US Bank on XX/XX/XXXX to add these transactions to the claim. Since that date, US Bank has been unable to issue provisional credit on my account because there is a debit/credit block. 

I have called every manager to no avail. Noone has been able to lift the hold on my account.

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 07/21/2017 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: Information belongs to someone else

Complaint: This dispute regards an open collections account on my Transunion credit report - an account that is not mine. I have no records of having a credit card with XXXX XXXX XXXX, the original creditor. In XX/XX/2017, I disputed ( via CFPB ) a closed account noted on my Transunion credit report under " XXXX XXXX XXXX. '' It was removed from my credit report. This particular dispute is in reference to the still open collections account, XXXX XXXX ( for  {$700.00} ). XXXX XXXX XXXX had sold the account to a collection agency, XXXX XXXX, and this information remains on my credit report. Again, I have no records of ever opening or owning the credit card from which this collection sprang. Therefore, the XXXX XXXX collection is not mine.

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