milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Straley & Otto, P.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I recently had repossession of my vehicle, The vehicle was under mine and my wife 's name. I went through a divorce. Never spoke to her. She had the car for 2 years without making a payment..capital one never contacted me ..until a a couple of months ago. When the repo man came to the door.. he was looking for the truck and told him my ex wife has the truck. I ended up getting the truck back and called capital one and told them what had happened. The rep said that if I can pay on it for 12 months that I would get the title and the car paid off. I was happy to work out the plan because it seemed very nice for them to work with me and understood my situation. After paying on the car for 4 months on time..they repo ed the car and told me that I would need to pay the whole balance to get the car back ... I think this was hugely miscommunication with me.. now I have a repossion on my My credit report. And trying to buy another car is very tough. I felt I was done very wrong and violated numerous laws.. please help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XXXX    XXXX ,2017  I went to ATM to take {$200.00} off my acct. Transactio n declined but American Express still debited my acct  for  XXXX  and ATM fees. I called them they told me I must dispute it. My AE bank acct was finally credit back my funds of {$200.00} almost 3 months later on  XXXX   XXXX ,2017.      XXXX    XXXX ,2017  I seen  XXXX  unauthorized transactions on my account from a company that wrote my card info down for  XXXX  and  XXXX  I calle d American Express Ser ve and told them they were unauthorized why these charges we 're still pending they told me a stop payment could n't be done and I had to let the thief 's take my money and to do a dispute once the transactions we 're completed.      XXXX   XXXX ,2017 I filed a dispute for both the unauthorized transactions  XXXX  and  XXXX  and was told it could be up to 45 days before my money was credited back to my acct. My card was canceled and a new one was supposed to be sent out so this could never happen again.    XXXX    XXXX  ,2017  American Express  credited my account for  XXXX  &  XXXX   XXXX    XXXX ,2017  Before I even had the chance to remove my money from my acct  American Express let th e same thief 's that stole from me before clear my account again. I called them right away as the unauthorized transaction of over  XXXX  is still pending asked them how this was possible if they canceled my card and they told me my card was never canceled and I had to wait for the unauthorized transactions to go all the way through and reopen another dispute. American express let the same thief 's that I just had a open dispute with clear my account again. So now I have to wait up to 45 days again for my money to be credited back to my acct and that 's if they give it back. Because of this my lights we 're turned off & me and my  XXXX  kids were evicted from our home. They have no sympathy for there mistakes nor do they care anything about there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I keep getting calls from a XXXX at Chaplain Financial Services. Says I have committed fraud, but he ca n't tell me who the original creditor is. I have not received any mail from the creditor ( even though he says he has verified that I have received mail from them by contacting the Post Office ) He calls my work several times a day even though I have asked him not to. He has contacted my XXXX year old mother and my minor children several times a day. He tells them that I have committed fraud and that he is sending authorities to my place of business and home. I have called him and asked him several times to stop calling my work, and my family and to please send me any and all documentation of who and what I owe. I really have no idea who I could possibly owe. He also calls from several different phone # 's. The one he 's called from today is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have 2 accounts with Citizens. I am on XXXX ( not my choice ). My income is very limited. Both accounts are closely watched. There are still a few entities that access my account. I have tried endlessly to stop this, however the bank nor the entities do not help. I have been charged 2 XXXX $ insufficient funds fee. When I noticed one of my accounts fell behind by {$2.00}, I immediately transferred monies to correct the unexpected withdrawal that same day. However, Citizens applied a  XXXX $ fee to my account, sending it back into Insufficient status.I have tried mechanically to remove these, to no avail. I had a small XXXX deposit, but that was sucked up immediately. Ca n't do this any more. Can you Help. These withdrawals were not initiated by me, nor expected.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This debt was discharged XX/XX/XXXX, Bankruptcy case # XXXX, not sure there why this is still on my credit report, as well as several inquires in XX/XX/XXXX, from this company. I have attached XXXX of the several letters I have sent to this company, starting in XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company incorrectly reported my payment history as XXXX days late to all three credit bureaus. I am currently XXXX days late, not XXXX. I am requesting this information be corrected immediately. The entire reason for my payments that started falling behind was because Roundpoint did not pay our Homeowner 's Insurance despite it being escrowed. In order to avoid our policy not to lapse, we had to pay our of our pockets. Roundpoint took almost 2 months to rectify their mistake and reimburse us for the error.

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 02/25/2017 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Rausch, Strum, Israel, Enerson and Hornik, LLC did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It 's been well over a year now, and I 'm still battling with Equifax to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Falsely mislead me when I became co-signer on my daughters student loans. Contract stated and on web-site when student finish school XX/XX/XXXX that if payments were paid on time for ( 2 ) years co-signer would be released as co signer. When I called after the ( 2 ) years XX/XX/XXXX I was told that I could n't be released because of my daughter credit. I have been harassed telling me that I need to sell my timeshare to pay off the student loans and that my credit is in good standing and that I can afford it. I co-signed for ( 4 ) student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have ben receiving calls from Portfolio Recovery saying they were representing XXXX XXXX Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with ESCALLATE, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, few months back I submitted a complain concerning a company know as ESCALATE LLC for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as XXXX XXXX put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company XXXX XXXX told me that they bought some debt from ESCALATE LLC that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter

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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Other mortgage) with M&T BANK CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased XXXX properties for use as a warehouse and a showroom for his flooring company in XX/XX/XXXX A few months after purchasing the second property, the recession occurred which resulted in the company going into default with the mortgage payment. The lender is M and T Bank. An attorney who we had hired to advise on the matter, advised us to sell the properties by short sale as this would resolve the issue with the amount owed to the bank. We sent a copy of the short sale documents to the attorney and he advised us to proceed with the short sales. In XX/XX/XXXX we began receiving notices from M and T Bank stating we were owing approximately {$180000.00} which we have not been able to pay as I 'm the only working .As a result M and T has placed a judgement against us with the intent of selling our home.

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 02/17/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It 's actually XXXX of the above. This number calls me 3 times a day, one of the calls coming between XXXX to XXXX, and I 've had to resort to using a call blocker app to not have my phone go off during class.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a Judgement listed on my credit reports. I settled the Judgement on XXXX. I tried to dispute the Judgement online to have it removed from my Equifax credit report. I was not able to do it online, their system could n't find my information. I was then instructed to fax a copy of my drivers license, credit report, and the information about my dispute. I faxed them XXXX pages on XXXX. I have had no response from Equifax and the Judgement remains on my credit report. I would like to add that I disputed this Judgement online with both XXXX and XXXX and it was a simple process and took less than a week to remove. With Equifax it has been 30 days and I ca n't get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I was offered a credit card from AMEX with XXXX bonus XXXX Skymiles miles if I spend {$1000.00} in the first 3 months of getting approved. I accepted the offer and was approved for it. I met my {$1000.00} charge in the first month of receiving the card. After 4 months of not receive the skymiles I called AMEX. I was told that I had an account 3 years ago and do not qualify for the offer. I WAS OFFERED THEN APPROVED FOR THIS PROMOTION. I believe there is false advertising, bad faith, and poor business practices in tricking consumers to obtain AMEX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax breech. Their PR website for checking if you were effected by the data breech returns random results. My SSN is on some black market now because of Equifax, who I never choose to do business with, it 's required cause Banks and credit run the world.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Deposits and withdrawals

Complaint: I made transferred money to my account and I was told that my account was closed.

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 06/30/2015 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This incident started XXXX XXXX with XXXX XXXX XXXX, I was for a loan modification that my daughter had applied for to reduce her interest rate, my husband is a cosigner on the account so it has directly impacted him. During the time of the loan modification XXXX XXXX XXXX sold the loan to Selene Finance, which in turn took until XXXX of XXXX to complete. In the mean time she was making all payments as requested by XXXX XXXX XXXX, completed the trial period of restructured payments assigned by XXXX XXXX XXXX to redo the loan with a lower interest rate on XXXX of XXXX. Since then she has been getting late notices and has been put in the credit bureau for non payment due to the change of payments made by XXXX XXXX XXXX and XXXX XXXX, the amount of payment were changed by the bank from {$930.00} to XXXX, but during the course of the transition between banks and them modifying the loan it took a year and them holding the payment in an unapplied funds account causing credit damage to them and my husband. We are still fighting with them and the credit bureau to fix this matter, my husbands score went from excellent XXXX to fair XXXX, he closed a business down with perfect credit and now due to the lack of concern on the banks concern has had his credit ruined due to someone not being able to do there job. We do hope you can help rectify this matter. 
We will be glad to send you all documentation to support this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.

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