milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2015 about Credit card () with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Customer service / Customer relations

Complaint: For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of {$27.00} on XXXX/XXXX/15. The balance immediately began accruing interest and on XXXX/XXXX/15, I made a payment of the current balance of {$27.00}. The following day, the payment had n't gone thru and the balance accrued another {$0.00} in interest. I spoke to XXXX at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of {$27.00} finally went thru on XXXX/XXXX/15 the additional interest ( which grew to {$0.00} ) was not wiped off as I was initially promised. I spoke to XXXX again who advised that what he had told me initially was not true and that loan would still accrue interest and payments that take 48 hours to process do not get back dated to the date of the original payment and he refused to remove the additional interest even though he admitted his mistake. He assured me though that the balance would not accrue any further interest so I went ahead and paid the {$0.00} balance. Again, when the payment was processed 48 hours later, there balance had indeed accrued another {$0.00} in interest on XXXX/XXXX/15. That same day I spoke to XXXX at First Niagara who attempted to credit my account the {$0.00} retroactive to the original balance date of XXXX/XXXX/15 which she had done. She also advised that XXXX once again provided me with misleading information in that the balance was still accruing interest. She said that she would freeze the account so that it would no longer accrue interest since it was " clear I was attempting to pay off the card. '' I also paid an additional {$0.00} towards the balance that day in an attempt to pay off the balance once and for all. XXXX my payment and XXXX 's {$0.00} credit went thru and my balance was down to {$0.00} on XXXX/XXXX/15. However, on XXXX/XXXX/15, despite the card having a balance of {$0.00}, it somehow accrued an additional {$0.00} of interest. I called again and this time spoke to Georgia, who tied to tell me that the interest was accruing because I used the card. I explained to her that the balance was {$0.00} and asked how a {$0.00} balance could accrue interest as there was no principal balance. She did not have an explanation for this and stated that she would also credit my account the {$0.00} of interest. I asked Georgia to cancel this card because of the aggravation it was causing and seemingly impossible nature to pay it off. It was also disheartening to receive so much misleading information from the representatives that I had spoken with.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Evans Law Associates, P.C. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Evans Law Associates ( XXXX ) called my cellphone XX/XX/2015 and left a voicemail. Then they called my mother-in-law and demanded that she give them my contact information. When I returned the call on the afternoon of XX/XX/2015, I first spoke with XXXX/XXXX. He became upset with me when I told him I had XXXX their number and learned they were in bad standing with the XXXX. He transferred me to a " director '' who said his name too fast to catch. As soon as I mentioned the XXXX to him, he became enraged with me. He told me several times that he would file a lawsuit against me. When he told me I owed $ XXXX instead of {$6800.00}, I told him I would not pay the difference. He told me that if I would not listen to him, then " maybe I would listen to the judge instead ''. Also during the conversation I told him I was a legal secretary so I understood how lawsuits worked. He would then ask me questions and say " okay Little Miss Legal Secretary, if that is what you really are, what will happen ''. He was very rude, bordering on hateful. He told me I was not a lady and he did not have to treat me like XXXX. He told me they would not work with me and accept what I can afford each month. When I inquired about receiving a XXXX if I settled with them, he told me they never send out XXXX. He was very condescending the entire time. He hung up on me XXXX times. I made a point to call him back each time to clear up this matter. When I called back the XXXX time, he picked up the phone himself and screamed " WHAT? WHAT DO YOU WANT NOW? ", and proceeded to talk over me and belittle me. At least XXXX times he threatened me with legal action.

Company response to consumer: Closed
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: trying to force into escrow account, raising payment not agreed upon, not applying funds to make it appear as in default, trying to justify reason for loan manipulation

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with ONLINE Information Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I called portfolio recovery in an effort to clear this debt from reports. I talked to a representative and a manager about this debt. At this time both reps stated they had no information on their computer system regarding this account, my name, or my ssn. I asked what type of account this was, when it was opened, and original amount delinquent. No one at this company could provide the information. They stated again they had no record of this account. At this time I stated that if you have no record of this account then you also need to take off all my credit reports. They stated sometimes it does not get on computer system right away. I asked how many months does it take, because it has been on there for at least a few months if not more. There was no logical answer. I asked for manager to look for info and call me direct at my cell number, and as of XX/XX/XXXX no call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Problems caused by my funds being low

Complaint: I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had my Navient student loan for approx 7 yrs. I have had a payment due of average XXXX a month, this has been this amount for years. I received my monthly bill and it was XXXX for XXXX. I called to find out why and was informed that it was actually supposed to be XXXX a month and as of XXXX it would be that amount. I have NOT received any kind of notice of the increase. I spoke to a supervisor who told me the same thing. She was willing to reduce it to XXXX a month. I have always paid my account, in fact I have made extra payments when I can. How can they increase the amount due without any kind of notice? I keep all of my statements, every single one of them. There is NO notice of an increase. I was told that this was their policy. She also told me that she can now mail the policy to me. I want to know where this policy is and why the consumer is not notified prior to the change. In today 's day most of the population are on a budget, I am on a budget, to receive a bill that is more than expected is hard. But to find out that it was going to more than double is ridiculous. I can not pay that amount, I have to keep a roof over my head and my childs. Yes I work but I also live paycheck to paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a dispute for inaccurate information reporting to Experian on 3 separate occasions. The last response came back as verified. On XX/XX/2017 @ XXXX I contacted XXXX who would n't share his last name, only that he 's on XXXX. I asked could he provide me with method of verification used to verify this record. I was told by the court house. I went on to explain to him I previously contacted the court house and they notified me they do not verify information. He continuously stated it was the court house. I requested the name of the court house, person 's name who verified the dispute, the address and phone number as well as any verifying documentation. He went on to say he could n't provide me with that information. FCRA, section 609 a ( 2 ) states the credit reporting agency must disclose the source of the information. FCRA section 611 paragraph ( 6 ) ( B ) states " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available.

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 04/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction problem

Complaint: We were sending money through  Western Union and mixed up the maternal and paternal surname on the form fields. When our daughter tried to pick up the money, she was denied because the names were reverse. Fine. We contacted WU to h ave them change the names. They could not do that so we had to cancel the transaction. Then they would not cancel the transaction. We went online ( the same way we placed the order ). We were verified and the chat person said they wanted to call us on the phone. We have no reason to give them a phone number, and we were verified online. They refused to cancel the order. We had to call our credit card company and report fraud because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Consumers Inc (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account for satisfied and paid through the original creditor. Original creditor has updated the files, however the collections agency has not responded to Certified Letters nor have they updated the credit report.

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 03-06-2018 about Debt collection (Other debt) with I.C. System, Inc. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX or XX/XX/XXXX I contacted XXXX my cell phone provider about a second line that I was being charged for that was no longer activated and had not been activated. And had not been activated for over 2 years. The rep put me on hold and spoke to a supervisor and put a credit of 200+ on my account for fees paid for that line. A couple weeks later I got a notice of a balance of 280+ dollars. My account had one line at that point and the bill should not have been more than 70 dollars. I called XX/XX/XXXX and was told the credit was reversed. I got irate and threatened to call an attorney I explained it is not legal to give a credit that was approved th en decide to change your mind and demanded the credit be re applied. After a long hold the credit was reapplied and I was told to pay XXXX. My bill cycle started on XX/XX/XXXX I left XXXX due to thi s type of under handed nonsense on XX/XX/XXXX. So I should have been billed for 11 days of service. XX/XX/XXXX I spoke to 2 reps at XXXX XXXX in customer service named XXXX who was able to verify that he sees where the credit was issued but could not adjust it because the account was no longer active. Active or not XXXX is trying to bill me for 85 to 95 dollars that I don't owe them and I will not pay until it is corrected

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 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX a new trade line reported to my credit file that is currently a closed and inaccurate account on several fronts. The line of credit with XXXX XXXX was originally opened in XXXX of 2016, but subsequently closed due to unauthorized charges. Please understand that I am not disputing this account as fraud as it was indeed mine to begin with. I am however disputing that this account information is inaccurate for the following reasons ; ACCOUNT XXXX First XXXX account numbers : XXXX ( only thing reporting on my Experian credit monitoring ) Opened : XXXX 2016 Balance : {$16000.00} Limit : {$14000.00} Monthly payment : {$2600.00} Balance updated : XXXX 2016 Account type : Line of credit 1 - This account has been closed and frozen by me due to unauthorized charges connected both directly and indirectly with this account along with my checking now " previous '' checking account associated with this account accordingly. At the present juncture, this along with multiple others accounts associated with this line has in fact been shut down and closed. 

2 - This account balance and subsequently the " monthly payment '' are inaccurate due to the unauthorized and miss use of the account. 

3 - This account is also in the process of my disputing with XXXX multiple transactions and is henceforth reporting inaccurate data. 

4 - This account is XXXX and the same as the XXXX other accounts presently reporting on my credit file. You will see that they are the same line of credit but had to be closed due to my checking account being breached and fraudulently used. I had previously disputed and subsequently filed fraudulent claims with XXXX and was given the money back. Should n't these previous accounts be eliminated since they are the same as the one that I currently reporting? I do understand that the last " updated '' account, the one that I am disputing in this case will remain on my credit file as it should. 

Thank you kindly for your help with this matter. I am extremely grateful for the professionalism, efficiency and diligence that Experian has exhibited to me with my fraudulent concerns over this past year. 

Regards, XXXX XXXX XXXX Credit Report # : XXXX ****P.S. Due to my continuing fraudulent activity, I have now changed my phone number from ( XXXX ) XXXX to ( XXXX ) XXXX in hopes it may deter future problems from continuing to arise. Would you please be so kind as to update this number on both my credit file and on the Fraud Alert statement to reflect the ( XXXX ) XXXX replacing the previous 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 01/23/2016 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (AZ).
Issue: Settlement process and costs

Complaint: My complaint is with Prospect Mortgage XXXX Az. Poor service they have told me 3 times when I was going to close, right before I close they call and tell me to send documents that I have already sent or tell me something additional I need to send. The ladies who work there are rude and disorganized. I was supposed to close Monday XXXX XXXX I went to the bank and got my closing money and last night Friday XXXX XXXX my realtor calls me and tells me that Prospect called and said the docs are not ready again. All of these delays have cost me money with additional rent payments and turning gas and electric on again. My health has suffered from all of the stress they have caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (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: I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. 

PIONEER/ MID COUNTRY BANK Account number XXXX .... 
Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: Hi! I am writing in hopes that someone somewhere can help me I put my card on file at a budget rental car place on XXXX/XXXX/2016 on XXXX/XXXX/2016 they took out XXXX and some odd cents out of my account the funds were never available in my account so it went through and caused my account to overdraft I am not opt in overdraft protection so it should have never went through now I am having to dispute charges and wait 90 days for something I should have been protected against and I 'm livid and every customer service agent I get gets me no where.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following 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 02-07-2018 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 05/21/2016 about Debt collection (Medical) with Sarma (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation