milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX turned my account over to a collection agency without prior notification or warning. A XXXX was performed in XXXX 2015. After insurance paid there portion, I received my first statement in XXXX 2015 where I called and asked to make {$50.00} payments toward the {$190.00} balance in which they agreed. Very shortly thereafter I was injured which resulted in XXXX for which I 'm still recovering. Having not received a statement for payment due, I had forgotten about this provider due to my incapacitation. In XXXX, I began receiving threatening phone calls and letters from a collection agency regarding an unpaid medical account. I responded to the collection agency asking for a statement describing the debt as they provided none prior to that time. On XXXX XXXX, 2015, I received a response for the collection agency accompanied by a statement from XXXX XXXX. From that point, I remembered the debt I owed but was concerned why they would turn a partial unpaid balance over to a collection agency without any prior notification or warning to me in advance. On XXXX XXXX, 2015, I telephoned XXXX XXXX and spoke with XXXX in the billing department. I asked why they would take such damaging action without me having notified me in advance of doing so. XXXX was rude and condescending upon speaking to me stating that I knew what I owed and should have paid the bill in XXXX when I made the partial payment. Because of her rude and sarcastic manner, I asked to speak with the Office Manager. The Office Manager advised both my wife and I that as far as she knew, there had been no payment plan and they made attempts to contact me before turning over to collection. Furthermore, because the account had already been handed to collections, there was nothing she could do as the damage was already done. 
Note : XXXX XXXX said they made numerous attempts to contact me by mail and phone, but no communications were received by me. Additionally, the first attempt to contact me by the collection company was successful. This shows that XXXX XXXX made no attempt to contact me as I would have received the mail and voicemail is always available on the phone number I provided to them. As per the attitude of XXXX, I knew about the debt in XXXX and should have paid it in full then. 
I do n't believe it 's fair to consumers to have their credit damaged by careless & lackadaisical persons empowered by businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 been trying to resolve this matter with XXXX XXXX with no success for quite some time now ; submitted formal dispute via the major credit reporting agencies, and XXXX XXXX headquarters demand verification/validation of debt/account to this day XXXX XXXX has not responded nor have they been removed from my credit file. I do not have a contract with them, nor am I responsible or liable for this debt/ collection from XXXX XXXX XXXX on XXXX/XXXX/2014

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 09-04-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Fraud or scam

Complaint: I found tickets from XXXX for XXXX seats at the XXXX XXXX concert in XXXX on XXXX XXXX. I bought these tickets from the seller and payed him through pay pal. The amount was {$490.00}. When I got to the concert the tickets that he sent me were not valid and I had to purchase additional tickets at the door. I have contacted the seller and he keeps avoiding refunding my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (NY).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I checked my credit and I discovered false information on my credit report. They have the wring birthdate and I never used XXXX XXXX, XXXX, eos cca, eos caa. I dont use my credit. I requested this information be removed and I heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a dispute with Transunion who refused to removed the IRS Tax Lien from my Transunion credit report even thou I have file many disputes informing them that this occur from fraudulent use of my personal information which was corrected by the IRS. This is hurting my credibility. IRS document attached. Transunion must delete this immediately. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth a lot less than XXXX I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached an appraisal document stating the value of the house a year ago ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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 submitted a letter of request to remove a Public Record from my credit report on XX/XX/XXXX. On XX/XX/XXXX I received a letter from the XXXX County Recorder of Deeds that they do not report public record information to the credit bureau. On XX/XX/XXXX I placed a freeze on my XXXX account # XXXX. On XX/XX/XXXX another public record was added to my account. On XX/XX/XXXX after receiving no response, I faxed a second letter asking for information regarding how these accounts were verified. On XX/XX/XXXX one account was removed but the other remained. On XX/XX/XXXX I faxed another letter requesting again for the information regarding how the account was verified since the holder of such account does not report information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Customer service / Customer relations

Complaint: Chase sent my credit card to the wrong address. They then lied and claimed it was the address on file. I reached out to their customer service department but they keep blowing me off. They claim that my card was sent to the address on file, but that 's just not true. They refuse to accept responsibility for mailing my card to a different address and potentially compromising my data. I suspect that this was Chase committing fraud and trying to act like XXXX. There is no way to get a straight answer from them as their customer service just sends template brush off e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Other fee

Complaint: XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Problems caused by my funds being low

Complaint: Account manipulation from my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The account was deleted and replaced back onto my account. I requested per FCRA on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX an dXX/XX/XXXX for Experian to provide me with the actual documents they have on file to substantiate this charge-off. This account was initially deleted due to Identity theft by XXXX XXXX XXXX. I have requested that Experian once again permanently delete this account with a credit limit of {$600.00}.

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In 2016, Bank of America closed my cash rewards credit card without notice due to inactivity. I had {$85.00} worth of rewards that were not redeemed at the time of closing that were never refunded to me. The account closing has impacted my credit score, and I did not intend to close the card, nor was I  delinquent at any time paying the credit card.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this 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 01-10-2018 about Checking or savings account (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XXXX/XXXX/2017, {$300.00} was direct debited out of my XXXX XXXX Checking account by XXXX. I did not authorize this transaction. I have tried to contact XXXX/BNY Mellon and XXXX and have not been able to resolve 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 11/17/2016 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (OR).
Issue: Making/receiving payments, sending money

Complaint: We used Umqua bank bill pay and this caused us to have XXXX late payment or perhaps XXXX on a credit card from XXXX. We had this all settled and now there is a late payment on our credit reports that we are not responsible for. We put our faith in the bank ( Umqua ) to pay this bill in a timely manner and it was not done!

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 10/20/2015 about Mortgage (Conventional fixed mortgage) with CORELOGIC INC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Student loan (Non-federal student loan) with Reliant Capital Solutions, LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Prepaid card (General purpose card) with U.S. BANCORP (AZ).
Issue: Fraud or scam

Complaint: XXXX US Bank {$200.00} gift card bought XXXX/XXXX/16 and opened to use on XXXX/XXXX/16 but both cards had been fraudulently used prior on same day, XXXX/XXXX/16 at XXXX 's in store and Pajama-gram. Card numbers stolen and applied to new fraudulent cards and total amt drained off cards. I am now out {$400.00}

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 09/21/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AL).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or about XXXX/XXXX/14 I got a credit karma alert that I had a XXXX loan put on credit report.I told my son I would co-sign for a loan, if he needed me to.My so bought the car and signed my name as a co-signer.I never knew this, until I got the credit karma report.He told chase auto loan he signed my name and sent them a e-mail thru there secure chase site that he signed my name.They kept me on that loan knowing full well I never signed for that loan.Finally my husband who is now 3rd party rep on this and has full power to act on my son and my behalf to handle this matter.I never saw a loan document or signed a loan document, yet chase kept me on that loan.I finally got copy of that loan and on the back of loan it says : Important before signing you should read this agreement carefully.This written agreement is the ONLY enforceable document and no other terms or verbal promises can be enforced.You acknowledge that you have received a completed copy of this agreement and have READ it.I never got a copy to read-never got a copy to see till after the fact. Chase bank caused my credit score to drop and is still not where it was before this all happened.They new I never saw a contract and chase knew my son signed my name to it.Even after all this they still are making my son pay on this loan which is void according to there own contract.My son is a XXXX vet XXXX and has issues which he told chase bank.This is how they treat veterans and there families.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I requested a increase on my {$250.00} line of credit with Khol 's several times, however, I have never received a reason for denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a number to call in regards to the student loan forgiveness bill XXXX passed. This contact is The Student Loan Relief Department ( TSLRD ), XXXX XXXX, XXXX. XXXX XXXX has told me that I would have my loans forgiven after tens years of minimum payments and for the first year I 'd be paying a XXXX dollar payment. When I spoke with XXXX XXXX XXXX ( my lender for student loans ) regarding a customer call back. XXXX stated that these kind of loan forgiveness companies are frauds charging money for free services and falsifying information on the loan forgiveness application. XXXX instructed me to call Consumer Finance to make a federal complaint in regards to this situation. The Student Loan Relief Department had me sign some documentations to process my loans for consolidation and charge me approximately XXXX XXXX dollars. The XXXX XXXX dollars was given to TSLRD by Manhattan Beach Ventures, LLC which is a bank that authorized the loan or credit for XXXX XXXX dollars. I do not wish to consolidate my loans nor do I wish to do any further business with TSLRD or Manhattan Beach Ventures, LLC. I spoke XXXX XXXX from TSLRD via phone and told her that I planned to file a complaint with Consumer Services, if we could not come to an agreement of to stop the process and cancel the credit for the XXXX XXXX dollars. She laughed and said that I would be paying the XXXX XXXX dollars back weather TSLRD processed to loans or not. I feel helpless, scammed and afraid of having my credit ruined. If my credit is ruined I could potentially lose my job with the Federal Government as a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I 'm getting emails from my bank informing me of insufficient funds in an account I did not open and that is not listed on my account list on the bank 's website.

Company response to consumer: Closed with non-monetary relief