milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with D&A Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX from D and A Services called me asked me to verify my personal information. I basically told him that I do not give out me personal information to strangers and to send whatever he needed to contact me about in writing. He began yelling at me about refusing to pay my debts or verifying myself. He told me that if he want to commit any type of fraud or identity theft he already had enough information to do so. He continued to talk after I told him to send the information in the mail. He also tried to get me to verify personal information and gave me some one else 's Social Security Number. I told him it was not my information and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Servicer ; seterus paid XXXX flood ins premiums causing a {$3000.00} negative escrow and by paying XXXX flood agencies they voided XXXX another. Then they refused to acknowledge the paid XXXX when XXXX was alread in place. They later added forced place coverage costing me another {$350.00}. And due to paying recent XXXX premium late they cost me an additional {$330.00}. On top of {$4800.00} to XXXX - that was canceled and flood was in place at time they paid XXXX. I am XXXX and no reasonable assistance has been given and it has taken a stressful tole

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no recollection of what this debt is, I have been hassled and threatened by this collection agency, the caller never identified himself as a collector and never read me my Mini Maranda Rights but instead told me that my credit will be ruined if this debt is not paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XX/XX/2015 I received a call from XXXX XXXX. They called telling me how they could help my online business and persuaded me to buy their very expensive Marketing package taking complete advantage of me. This included Social Media Gateway Marketing leading traffic to my website, Mobile website, and Video marketing for {$7300.00} I paid them with my USAA XXXX card ending # XXXX I never received any of these services as stated in my contract or described to me when they contacted me on the phone, I have only received some basic account setup and a couple of half hour training sessions that lead nowhere and definetly not worth {$7300.00} It was very minimal stuff not even close to what they described to me when they got me to give in to their demands and pay them the outrageous amount. 

They deceived me and gave me their verbal promise this marketing package was needed to build a successful online business. 

This is unacceptable, please dont let these scam artist get away with this and help me get my money back. 

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found items has been reported to my credit history that 's not even belong to me and those items has damage my credit and my financial life

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 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Our families personal information was recently compromised during the recent XXXX XXXX XXXX XXXX hacking. We would like to verify that no fraud has occurred on any of our accounts, to include our children 's. Yesterday I received a telephone voice mail from the following number : XXXX stating that if I did not call back legal action would be taken against my name. I XXXX this issue and it appears that other people have gotten a call from these people as a " XXXX '' scam. Needless to say I did not return the phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I bought a car from XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, MS. Near the end of the loan paperwork XXXX said GAP insurance was required by Credit Acceptance in order to purchase the car. I asked if it was necessary even though I already had auto insurance? He said yes so I signed. The amount was an additional {$670.00} to my loan. My name is XXXX XXXX. XXXX, XXXX XXXX XXXX # XXXX, XXXX, MS XXXX. XXXX or XXXX. My mother XXXX XXXX also purchased a car from XXXX XXXX XXXX & had to purchase GAP insurance with Credit Acceptance. Her phone number is:XXXX. She bought a XXXX XXXX XXXX. I bought a gray XXXX XXXX XXXX 09/03/16. XXXX XXXX XXXX number is: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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Back in  XXXX  o f 2016    XXXX   XXXX   posted negative information on my credit history. I disputed with  XXXX  and the other  XXXX  credit reporting agency on  XXXX   XXXX ,   XXXX  , and the negative information was removed from my account on  XXXX   XXXX ,   XXXX  .  XXXX  gave me a confirmation #  XXXX  after deleting the negative information.   Aft er one ye ar the same negative information reappeared under different collection agen cy (   XXXX   XXXX   XXXX   ).   XXXX  did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX  2 )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  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 04-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Credit line increase/decrease

Complaint: The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

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 01/30/2018 about Debt collection (I do not know) with CONTRACT CALLERS INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company named Contract Callers  submitted a derogatory mark on my credit report on XXXX-17. I  have no idea what this negative mark is for nor have they contacted me regarding the amount owed of  XXXX. I have no idea what this was for and I wanted to see if this can be deleted from mt report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Credit card debt) with Gordon, Aylworth & Tami, P.C. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Gordon , Aylworth & Tami , P.C . 
bought old debt. Garnished bank account without notice. Took {$410.00} on XXXX17

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage has been double charging me interest escrow and misappling my monthly mortgage payements and refuses to give me proper accounting ( that 's understandable ) and despite several requests has failed to rectify the situation and even now ( an example ) my XX/XX/2015 payment reflects double charges and they claim that that 's proper! I demanded proper accounting of all payments since they took over the loan! Which I got this btoken down stuff that shows entry after entry where they split the payment into multiple things which do n't make sence because I send one check a month which should show total received, interest charges, escrow charged, principal applied, ending principal balance which their accounting it statements they send you CANT UNDERSTAND

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made all my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted via certified mail a copy of my police report detailing the crime of identity theft that was committed against me. I also included proof of my identity and a legal statement regarding this matter. Transunion somehow has ignored this documentation as it has been over thirty days since they received it and I have not seen any action taken. My police report was filed in person and my dispute meets FCRA requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Credit line increase/decrease

Complaint: Requested increase in credit limit. The limits were approved without regard to income debt ratio. They approved debt without regard to whether it was feasible for me to pay back. Now I 'd like to move debt / consolidate to lower interest products and am unable to because all companies say my debt to income ration is too high. I 'm stuck with too high of a credit balance with an enormous amount of interest rate with no possibility of moving to lower interest products. It will take me 39 years to repay the credit balance if I continue to pay the minimum balance which includes high, ridiculous, and unfair amount of interest and fees.

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 05/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Billing disputes

Complaint: In XXXX 2015 I cancelled services under the terms of their contract with XXXX XXXX XXXX. I received a confirmation number XXXX XXXX.They continued to charge my credit card despite repeated complaints. I disputed the charges with BankAmericard for over a year every month. Eventually BankAmericard informed me I could send them the email I had from XXXX confirming the cancellation and they would no longer accept the charges. I sent that information in months ago and BankAmericard has still been accepting these fraudulent charges which continue to be submitted fraudulently by XXXX. I attempted to dispute these charges at my BankAmericard account online tonight and got a reply that I had no charges eligible for dispute, which is incorrect. I complied with every request from BankAmericard to supply the documentation they needed to stop accepting these charges to no avail. Tonight I cancelled this card as the only option left. I would like to be reimbursed for the XXXX charges I have not been recredited for yet. I would like XXXX to be prosecuted for fraud and BankAmericard to be held accountable for their role in facilitating this 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 monetary relief
Consumer complaint received 05-11-2015 about Money transfers (International money transfer) with FROST BANK (TX).
Issue: Fraud or scam

Complaint: I found in my email a message from website : XXXX paid a mere {$4.00}, {$2.00} in International card handling fee, and another $ XXXX for a product I have never received. I attempted to contact the company and reached a call center. The agent did not apologize for telling me the he was sorry I have not received my prodcuts, but " ... you will have to contact the USPS becasue that is just shipping money ... '' Yet, he REFUSED to provide me with any tracking information and refused to refund the money, which is not much. But I believe these are shady business practices. I have emails but can not get them attached ... The sum of {$7.00} is broken into the following in my FROST BANK account - {$4.00}. XXXX, {$1.00} XXXX card Fee XXXX/XXXX/15, {$1.00} XXXX XXXX XXXX several days later, {$.00} XXXX/XXXX/15

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX issued XXXX collection accounts, for XXXX charge off. Also I noticed a payment for {$8.00} which I did not make, on XXXX collection account. I suspect they did it to re-age the account. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with PNC Bank N.A. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PNC bank has been contacted to cease all telephonic communication but has not only continued calling but has started calling others in my family to try and collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 06-07-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (WV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.

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 02/25/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a garnishment letter from my job that LVNV is going to garnish me for a bill that is from 2007 or later. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with R & B Corporation of Virginia (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent this company a debt validation letter on XX/XX/XXXX requesting validation for debts they 'd put on my credit report. On XX/XX/XXXX - the company responded with five letters stating that their was an error and the alleged debts would be removed from credit file within 30-45 days. Well, 30-45 days passed and the debts continued to report. So, on XX/XX/XXXX, I decided to send out a reminder to the company that they were had several accounts on my credit report that they 'd assured me would be removed. This letter went ignored. It is now.. XX/XX/XXXX and the accounts are STILL being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with Coast to Coast Financial Solutions, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone has used my information to open this account fraudulently from when my identity was stolen and this company continues to report this debt as mine when it is not .... I have filled out police report and identity theft affidavit in this matter and have had it notarized as to this account being fraudulent ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed