milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Sortis Financial, Inc. (CA).
Issue: Improper use of your report

Complaint: Second trust deed against my primary residence that was foreclosed in 2014. They continue to call and send letters and improperly reports to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I did not authorize the following hard credit inquiries that appear on my credit reports and would like them removed : 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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting A
ct Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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 non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Years ago I purchased a vacuum from a sales representative for the XXXX XXXX. We arranged a payment plan for me to pay off the vacuum and after making the final payment the representative returned with a new model and told me that he would exchange the older model for the new one and included a 2 year warranty. How ever I was told I would still need to make payments on the new model, so the representative gave me a new payment plan for the new model without subtracting the cost of the previous model I had already paid for. I continued making payments on the new model and after a few months the vacuum had stopped working. I contacted the representative who told me to contact another number who told me to contact another number and so on until eventually I was told to contact the company. After coming into contact with the company and explaining that I was still within warranty the company refused to replace my model or repair it. I told them that I enjoyed their product very much and that I 'd be more than happy to continue making payments, but that I would not resume making payments if they refused to honor my warranty. At that point the representative on the phone made vague threats about this damaging my credit score and/or having me arrested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX 2015, the original debt of XXXX plus interest of XXXX = XXXX which was represented as the total indebtedness at that time. How did the debt rise to XXXX in 2+years ( an increase of ~56 % )? Debt numbers can not be referenced to any loan generation source ; they are not cross referenced to any other loan numbers. see attached documents to secure these points.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate an alleged debt:XXXX Signed credit application between myself and the original creditorXXXX. Copies of all signed vouchers from the date account opened until defaultXXXX. Copies of all statements from the date account opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreement that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contract Franklin Collection Service, Inc.purchased the alleged debtXXXX. If the alleged debt was purchased, provide a copy of an agreement between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtXXXX.Provide proof that Franklin Collection Service XXXX Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claim is now considered invalid and all collection efforts must be stopped and the account must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claim, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debt must be removed from their account immediately, and it also must be removed from all credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Other

Complaint: A few days ago the author of this complaint ( sometimes hererin the " Complainant '' ) received a letter ( the " HSBC Letter '' ) dated XXXX XXXX, 2016 from HSBC Bank USA NA ( " HSBC '' ) informing the Complainant that my HSBC Platinum MasterCard Account With Rewards ending in XXXX ( the " Account '' ) had been closed by HSBC because HSBC had determined the Account had been inactive for 12 months or more. Immediately before the Account 's closure by HSBC the Account had more than XXXX Reward credits ( the " Credits '' ) credited to it by HSBC, the exact number of which is not now known to the Complainant, earned and credited the Credits over many years of usage of the Account by the Complainant. 

Upon Complainant 's inquiry to HSBC after Complainant 's receipt of the HSBC Letter HSBC informed the Complaint that the Credits had likewise automatically been canceled when the Account was closed. 

The Complainant never received any notice from HSBC or otherwise that the Account was under closure review for non-use for 12 months or more, nor, before the Complainant ' s receipt of the HSBC Letter, that the Account was sooner or later to be closed for non-use Had the Complainant received any such prior notice the Complainant would have made use of the Account 's credit card to preserve the Credits for Complainant 's use as and when chosen by Complainant. 

The Complainant asserts that HSBC has acted in bad faith in this matter and demands that HSBC pay to the Complainant in cash the current reasonable cash value of the Credits as determined in accordance with industry standards and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Address/Previous Address ( es ) Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is XXXX XXXX XXXX I do not live here nor have a lease here nor a Mort from the bank for this said address. 

This unit is in some one else name and belongs to them not me nor have I ever been to the building or rented or lease.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Auto) with WELLS FARGO & COMPANY (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Franklin American Mortgage Company was notified by way of a conference call between me, my insurance agent, and a Franklin American representative that I was dropping my insurance coverage with XXXX and was picking up coverage with XXXX, XXXX XXXX XXXX. That call took place XX/XX/XXXX. My new home hazard coverage began taking place on XX/XX/2017. When Franklin American sent me a notice in the mail that they did n't have any record of my new coverage, I sent all the new insurance information from my declaration page. Two weeks passed. I received notice from XXXX that they had n't received payment from my escrow account and, I was about to be dropped from their coverage. That 's when the nightmare began. I had a week to prove I was covered. I placed multiple phone calls and waited for 30 minutes at a time with each person ( XXXX, XXXX, XXXX ) to be told continually that they had n't received anything in the mail. I had my new insurance agent fax a copy of my coverage on Friday, XXXX XXXX. I called on Monday and Tuesday, XX/XX/XXXX and XX/XX/XXXX and continually got the run around. Eventually Franklin American workers told me that the fax was illegible. I then faxed a PDF myself to the company. I was promised by XXXX that she would call me to tell me whether or not she received it and could read the information. I never received a call. I now had hours left before being dropped from coverage. I am a single mother who is a teacher. I clean houses on the side and tutor students to make extra money. In a panic, I ended up calling XXXX and they told me to avoid being dropped from coverage that I should make a small payment of {$240.00} and then whenever Franklin American finally decided to get their act together, I would be reimbursed. So that is what I did. I did n't have the spare cash. I will not go grocery shopping this week now. I stay updated and on top of things. I did my part and Franklin American failed me continually. Their customer service did n't seem worried about my finances or my coverage being dropped. I felt that certainly, incompetence played a part in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Hello : XX/XX/XXXX, XX/XX/XXXX, I consolidate my student loans. Than XX/XX/XXXX I received a notice that my student loan for {$7100.00} was being collected by a collection agency. When I spoke to the agency, they would not work with me, they wanted payment in full or they would garnish my wages. I could not get a loan or borrow this amount, so my wages were garnished. XX/XX/XXXX the account was paid and my wages were no longer garnished. As of this morning, I ran a credit report and it shows that National Collegiate Trust as me in collections starting XX/XX/XXXX is the amount above and it is not paid. I contacted the agency reference as collection agency XXXX XXXX XXXX at XXXX, they indicate my account was turned back over to National Collegiate Trust XX/XX/XXXX with no other status they could provide me. I am lost as to how to get this removed from my credit or show it has been paid in full on my credit. I am trying to buy a house and I am being denied for this account. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Call 3 to 4 times a day. Does not leave messages wo n't send me anything to verify debt. None stop harassment.

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 04/18/2017 about Credit reporting () with Equitable Acceptance Corporation (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I got scamed  bya student fo rgiveness company I already reported them to the federal trade commision, they are now possing on my credit report by another name  XXXX  my credit of  XXXX   XXXX  a month, they need to clear that I called them to unmask their scam and I even had to put a flag alert on my credit, they are a false company charging for charges that are illegal and they should not charge since I contacted the department of education and they alerted me a little too late, since the harm was already done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent a dispute letter within the 30 day period. They received the letter on XX/XX/XXXX at XXXX. They called XX/XX/XXXX on my Daughters Cell phone who is XXXX years old at XXXX : XXXX XXXX so my daughter answered it and I told them that the dispute letter was sent and that they need to stop calling. They called again on my daughter 's cell phone on XX/XX/XXXX at XXXX and I have no response to my Dispute letter. I believe under the fair Debt act that they are suppose to stop calling until I receive the response to my dispute. I also told them to stop calling my daughters number.

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Not being allowed to have direct online access to view or dispute credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Problems caused by my funds being low

Complaint: Chase posted charges to my account in a way to maximize the overdraft fees they charge. I 've personally witnessed this happen several times before with various merchants so I know this is n't a coincidence especially with other customers online who 've shared the same experience. The lower cost items should be charged first and not re-ordered after the fact. XXXX charged me before XXXX did and at the time it overdrafted me by a few dollars so I made a deposit to cover the charge by XXXX to avoid the fee. The charge was only {$5.00} and after my deposit I had more than enough to cover the charge. The same day and a few hours later XXXX charged me but that is n't what is reflected on my statement. It shows the XXXX charge being posted first which costs more than the amount that was available so it took the money I had deposited for XXXX resulting in a fee and then the XXXX got charged again so that also took a fee. I never got a notification from the Chase mobile app about the XXXX charge happening and I have overdraft protection on. I think this is predatory on behalf of Chase as i stated before it happens all the time and when I do overdraft the fees always snowball because Chase WILL post the larger charges first even if that was n't what popped up in recent activity first which should be ILLEGAL. The only explanation I was given was to start a check registar but I do n't even write checks. I guess I 'm not supposed to trust the Chase bank statement?? Furthermore it is my belief that Chase is purposefully posting charges to my account when I 'm low on funds to maximize the fees. The XXXX charge was done a few days prior but it can be taken out whenever. I 'm sure something in their system shows that pending in that waiting period for it finally show up in my bank account. I have money for the charge in another bank account as I do n't trust Chase with my money anymore so I rely on their notifications to be sent to alert me when they feel like taking money out. This is unacceptable and I will NOT back down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NEW YORK COMMUNITY BANK (MI).
Issue: Loan servicing, payments, escrow account

Complaint: First servicer went bankrupt, FDIC supposedly gave my mortgage to new service. 
I have asked numerous times in writing to verify if I owe any debt and to who. 
New servicer claims they are a creditor, however they sent me documents that I believe are not true. 
The allonges are very confusing. 
I do n't believe my payments are going to the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have several late payments o. My credit report from navient dating back to XX/XX/XXXX. The rep told me it 's 6 months, however I had a payment agreement set up with navient. They would automatically take {$220.00} from my bank account every month. This payment arrangement was set up in XX/XX/XXXX. I ask rep how am I 6 months late payment when I had the payment agreement set up? She then told me it as partial payment. I was NEVER informed of this. I was told that my monthly payment will take care of my loans. These lates are extremely damaging to my credit. The CSR let me do a retroactive forbearance but it does not update the credit report. What navient has done to me is unfair. They took my money for 5 months and continued to report my account as late. I recently applied for a discharge of loans with them since I was recently d 's as XXXX XXXX. The CAR said if approved they still wo n't remove the lates from my report. Please help me. email XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: PayPal charged XXXX small fees to my bank account because I registered this bank account with PayPal to make payments to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation