milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2016 about Debt collection (Medical) with AmeriCollect (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A negative item appeared on my credit report stating an uncollected debt. I have no prior knowledge of the debt, and was never sent a bill or collection letter, EVER, for this debt. My credit score has declined as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Pohler and Associates, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013 I forgot to pay school taxes in the amount of {$170.00}. There was a tax lien put out, so I resolved it the following year when I paid my taxes. Although the issue was taken care of, I have still received phone calls and letters saying I still owe and it has accumulated interest. The total I 'm being told I owe is {$1300.00}, I recently looked at my credit score from XXXX and it shows that the tax lien was released. The lien shows up on XXXX, but there is no other information provided. The attorneys office that keeps calling me and mailing letters, are telling me there is no proof that I paid. And that I must pay the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Transaction issue

Complaint: I disputed charges on my credit card XX/XX/XXXX with Capital One. It appeared my credit card information was stolen as there were almost {$1100.00} in charges that I had never seen before in a period of two hours on one day. I notified Capital One and spoke to XXXX different people confirming the matter. I was advised I would not be charged for it and the charges would come off my card. They did and a new credit card with a new credit card number was sent to me. The case was then closed. Fast forward to XXXX/XXXX/XXXX and I received adjustments on my new card of over {$1100.00} for those same charges!!! I called as soon as I saw that and after XXXX minutes and no less than XXXX representatives, I got nowhere. I received XXXX different answers and a promise that a manager would call me to resolve this by the next day. No one called. I then tried resolving via online chat to no avail. That rep told me managers do not call customers ... I demanded to speak to their manager via chat who was of NO help. He refused to give me their legal department 's contact information and told me I have to call in ( again ). I told him repeatedly that I do NOT have time to waste another 40+ minutes for their mistake in which they are now reporting that balance to the credit reporting agencies. He would not assist and kept repeating I must call in. I made it very clear I was going to resort to a complaint with the CFPB as I can not repay {$1100.00} that I do not have. I am a XXXX person with medical bills that must be paid or I die. I am devastated by all of this and just want it resolved. Capital One will NOT address the matter. They claim a letter was mailed ... I never got a letter. They will not resolve via phone ... I keep getting transferred or told I need to call back or placed on hold for large periods of time. 

Please help me. I do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Other

Complaint: There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail. 
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract. 
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Regarding  a Citibank Aadvantage Master Card  I have moved overseas and no longer  have a US  phone number. I called in  XXXX  to try to close the account. I have had the account for 2 years.  <P/> I failed the security question which was the bank account number used to pay the last amount due. This is because I am overseas and my father paid the last amount due.  <P/> 
Citibank then asked to call me to confirm who I was for security purposes. I gave them my overseas phone number. They never called it. When I called back they said that they had no ability to call an overseas number. I was very frustrated at learning this as I am spending a ton of money calling them from overseas to try to ca  ncel the card!  <P/> I was then blocked from my online account because of a security problem with my account.  <P/> I called again because in  XXXX  they increased my credit limit! Still I am unable to cancel the card or the account.  <P/> I have begged them to give me someone to write to or call to cancel the account but they are unable to help me. I once asked for a supervisor and they put me on hold for ov er 20 minutes. Because I am calling them from overseas on my dime I had to hang up as the costs of the call were mounting!   <P/> What do I do?

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 Consumer Loan (Installment loan) with Universal Recovery Corporation (CA).
Issue: Problems when you are unable to pay

Complaint: I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. 
When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. 
And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.

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 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AQUA FINANCE, INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and TransUnion have made more of an effort but XXXX has not. My spouse is having the same issues with XXXX. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with XXXX report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( XXXX. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX, XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both TransUnion and XXXX are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses billions every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO BANK MORTGAGES, { CROOKS } This is the XXXX time this year that fraud and perjury has been commited by this bank, and fined by the cfpb, yet no compensation has been passed on to the consumer? i think this is a deliberate act to making the consumer think that justice is being done to wells fargo bank, i request proof and proof of consumer recieved paymants, this bank and ceo XXXX XXXX is a lieying cheeting piece of scum, and should be in jail, the fraudulent mortgage fraud is far more important card and charges? and incured vast amounts of peoples moneys [ STOLEN ] by wells fargo bank [ mortgages ] there has been fraud, perjury, fasifying documants, Theft of moneys, counterfiting, all committed by staff for the banks gain [ greed ] i demand that wells fargo bank mortgages are brought to justice also corrupt [ tickiting ] judge XXXX XXXX whom has passed missery onto familys for his personal greed? bank shareholder, He mocked my XXXX language [ XXXX ] this bank needs to be closed down NOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Auto) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I called Mercedes Benz Financial on Monday XXXX XXXX, 2016 and set up an automatic payment for Friday XXXX, 2016. They called again on Wednesday XXXX XXXX and I explained I already contacted them and set up the automatic payment. The woman said she would note the account. On Thursday I received XXXX phone calls from them, I answered the XXXX call and was never connected to a representative. Their system hung up on me. 

This is clearly harassment as I have the confirmation number for the automatic payment and am only XXXX payment past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second complaint and while I 'm usually not  one to co mplain this is getting a bit old waiting on  5th 3rd to c orrect their accounting. The last complaint I was trying to stop from the repeated calls which did slow down, but I did still get calls. I also asked them to fix the accounting errors which still has n't occurred. They have not fixed an error that they posted my payment to principle instead of applying to my payment. I did actually provide my list of payments that seems to have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Requested a deferment and never received anything back at all after several attempts. It is now reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My mother XXXX XXXX in XXXX, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Struggling to pay mortgage

Complaint: Dear Sir, I am writing you to request a loan modification. I purchased my home in XX/XX/XXXX.The mortgage I received was 80/20 mortgage later the 20 mortgage turned into a line of credit with a rate 8.60 that  balloons in XX/XX/XXXX. I work for XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX, Delaware. XXXX XXXX telephone is XXXX XXXX XXXX. My boss is XXXX XXXX. A new company takes over XXXX the first of the year XX/XX/XXXX. The new company has not said if they are going to keep XXXX XXXX. My hours have been changed to 24 hours a week. I was paying {$1600.00} a month in mortgage payments to pay off the loan by XX/XX/XXXX. I can no longer pay {$760.00} to Bank of America a month. XXXX XXXX holds the XXXX mortgage which is {$850.00} at a rate 3.00. 

Here is a list of my present estimated bills : XXXX XXXX XXXX XXXX {$210.00} IRS {$1200.00} Bank of America {$760.00} XXXX XXXX {$850.00} extra {$20.00} towards escrow XXXX XXXX {$260.00} XXXX {$250.00} XXXX {$130.00} XXXX {$45.00} XXXX {$28.00} XXXX {$77.00} XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX {$200.00} Food/Clothes/living expense/doctors/ house maintenance/XXXX XXXX {$500.00} Income XXXX XXXX {$690.00} Social Security {$1000.00} Post Office {$1700.00} Thank you for the loan Modification as you can see from the past I pay all my bills. This present loan with Bank of America is going to mature in the year XX/XX/XXXX and is a balloon mortgage, and I would like to pay it off on time and keep my 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 non-monetary relief
Consumer complaint received 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. 
In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. 
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Not my debt there were numerous XXXX that were on my report that different middle initials and there were XXXX different XXXX. they all had different spelling and different addresses.

Company response to consumer: Closed with explanation