milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Applied Business Services, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SECURITY COLLECTION AGENCY attempted to collect a debt in XXXX through aggressive and harassing phone calls. The debt, {$170.00}, had been paid to originator in XXXX. SECURITY COLLECTION AGENCY has submitted a claim on my personal credit asserting that the debt was owed and paid off in XXXX. They seem like an utterly scummy and fraudulent firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Results Unlimited, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX, ( 3rd party collection agency ) acted in a very predatory manner. I found out I had a judgement placed on my credit XXXX XXXX XXXX ' ) by doing an annual credit check in XXXX XXXX '. Once I noticed this on my credit I reached out to XXXX XXXX XXXX. Immediately following my call, XXXX XXXX XXXX placed a garnishment on my wages. The problem is XXXX XXXX sent all court correspondences to my old address from 2013 in XXXX, NC. I had since lived at XXXX different addresses all in Virginia including the address that I was evicted from. After reaching out to XXXX XXXX XXXX XXXX XXXX ' they racked up {$5000.00} dollars in charges on my account and are garnishing XXXX % of my disposable income at {$1000.00} per month. I am a hardworking citizen and right now I am in another position for being evicted as well as defaulting on school loans, auto-loans and such forth. I had no clue about court dates or never received calls or correspondences as attempts to collect a debt etc. XXXX XXXX XXXX told me that they got the XXXX,. NC address off of an " credit report '' which on any recent credit report, has that address listed as it should be and it 's clearly not my last known address. The staff at this company has been rude and mis-leading. They have not come forth with information or ways to assist me, they have simply cut me off, given me shortened answers deferred my questions to their " legal department '' ( A manager named XXXX ), and they will not share any copies or paper trails of information concerning my case and the steps they took to contact me with alternatives to garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have not been able to clear my credit report dispute with NationStar Mortgage. My loan was paid in full XX/XX/XXXX. They have not updated XXXX since XX/XX/XXXX. I waited till XX/XX/XXXX to first call and was told this will be completed within XXXX business days. I called back XXXX other times and they are indifferent. This negatively impacts my ability to buy a new car and my prospective employer will check my credit before they give me a company credit card for travel expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent XXXX XXXX several letters and certified letter.I also have disputing with the credit bureaus and have complaints with cfpb concerning the false, inaccurate, re-aging account. I have ask several time to investigate. Also asking for documentation they provided when the credit bureaus contacted them about my dispute. I still have n't received anything and it still reporting negatively on my credit report. 
XXXX XXXX states in one of the letters that i have a lease entered with them on XXXX/XXXX/XXXX if so where is this lease?? Also i notice on this letter you stated i owe {$5500.00} on the repo date ( XXXX/XXXX/XXXX ). According to the credit reports i was never late or miss a payment from the date i sign the lease XXXX XXXX/XXXX/XXXX XXXX UNTIL first late payment ( XXXX ). So .... from XXXX XXXX XXXX to repo date ( XXXX/XXXX/XXXX ) i did n't make a payment ( 8 months ). If my monthly payments ( {$430.00} XXXX x 8 months = {$3500.00} and i know sum interest and maybe small fees but how did you come to {$5500.00} XXXX amount owe on repo date ). 
XXXX XXXX is reported false, inaccurate info and as a result of these blatantly reckless, wanton, and intentional infliction acts, I have suffered and continue to .suffer general and specific damages.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: Dear Consumer Finance Protection Bureau : XXXX XXXX, in store credit card, has overbilled me on my credit card, and the balances are incorrect. For example, the first statement in XXXX XXXX, has purchases of XXXX, and the statement has an incorrect balance of XXXX. Also, please check the XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX statements for incorrect balances on purchases. Furthermore, XXXX XXXX needs to credit me a total of XXXX, to my credit card with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am Sending you another complaint letter following up on my last complaint with Experian. There was a HUGE miscommunication over the phone. Experian is claiming that I waned a reinvestigation. I never requested reinvestigation or any kind of investigation. I never asked Experian to reinvestigate anything, I asked them to REMOVE persistent dispute notations from my Experian credit report on XXXX XXXX. They need to stop the unauthorized investigation. I did not call them and open an investigation, it was not an an investigation call. I called Experian on XXXX, XXXX 2016 to ask them to remove the 30 days-past my dispute ) dispute notations. I wrote your company in hopes that you could get Experian to remove the persistent continuous dispute remarks. I am very upset, my home loan is approved and needs to go into the underwriting process, if these dispute remarks are not removed I could lose my deposit and lose my home loan I am partially approved for. This loan can not be completed until these persistent dispute remarks are removed right away. These accounts are XXXX and XXXX. I have no time, I do not even have 30 days to have my loan approval underwritten. I do not want this investigation continued. They are holing my credit hostage to persistent continuous dispute remarks. I am waiting for these remakes to be removed immediately, Experian has been very misleading and they are not providing me with what I need to continue with my home loan. They are holding my credit hostage. Also, a big legal issue in my opinion- is that they started an investigation without my consent. The last time I disputed anything on my Experian credit repot was well OVER 30 days ago. NOTHING on my credit report has been requested to be disputed or reinvestigated in the past 30 days! I feel like your response ( THE CFPB ) ( your company ) did n't even try to get Experian to remove these remarks. I feel like your company is not looking out for the well being of others and the way people are being treated or handled. Once again, PLEASE have Experian remove these dispute remarks and STOP their reinvestigation that I did NOT authorize. I never requested an reinvestigation. I will have to take further legal action if they do not provide me with what I need. RESOLUTION : REMOVE PERSISTENT DISPUTE REMARKS AND STOP UNAUTHORIZED CREDIT INVESTIGATION IMMEDIATELY.

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 10/13/2016 about Credit card () with JPMORGAN CHASE & CO. (MS).
Issue: Other

Complaint: This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with GC Services Limited Partnership (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: An account was created in my name on XXXX, afterwhich merchandise was purchased using the easypay method. I did not do this. However after the bill was not paid an invoice for {$15.00} was sent to my father 's house. ( I currently live abroad ) The 1st letter I received was on XXXX letterhead however there was no account number. I assumed the letter was a scam and did not take action. Later, another letter was sent to my house, this time from GC services, a collection agency. As I no longer live in the country, I was very surprised to find out a XXXX account was made in my name. In total I received two letters from XXXX. XXXX had no account information and the other did not include a date. This to me seemed very unprofessional and I thought it was a scam. What kind of a company sends an invoice without an account number?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The bank is not sending accurate information to an application. I have funds and it is showing that I do not have any.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 sent a notice to Trans Union on XX/XX/XXXX which they received on XX/XX/XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX ). In the notice I requested that specific info in my file be verified & deleted. I also requested a notice ( according to FCRA 611 6 ( B ) iii that provides me with " A description of the procedure used to determine the accuracy and completeness of the information '' including the business name and address of any furnisher of information contacted in connection with such information. However what I received ( which was dated XX/XX/XXXX but not actually received until XX/XX/XXXX ) was a bunch of papers placed in an envelope numbered but unorganized ( pages out of order ) duplicate copies of letters & memos. It took me 2 days to organize it to the best of my ability. However none of what I requested was amongst all of the pages. It said : " Information Updated '' on 1 account on another it said " disputed information updated and other information updated '' ( however the last 'date ' it was updated according to the report that was thrown in the envelope was 3yrs ago ) also there was a message that said. " verified as accurate and updated ''.

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 10/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a credit card listed on my report that I never opened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (I do not know) with I.C. System, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THE IC SYSTEMS IS TRYING TO COLLECT A DEBT I DO NOT OWE. XXXX. 
THEY MAY AS WELL STOP WASTING THEIR TIME CALLING HERE BECAUSE I WILL NEVER ANSWER THE PHONE IF I DO NOT RECOGNIZE THE NUMBER OR IF IT'S NOT A PERSONAL ACQUAINTANCE OF MINE. SORRY SCAMMERS!!!!!!!!!!!

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 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to Experian there is a XXXX account in my name that was opened before I was even born ... I have no idea what this is as it is not mine and I am afraid it is identity theft.

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 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Since XXXX 2017 I have tried talking to Navient about my account being paid each month before the due date, then receiving letters and phone calls that my loan is past due. Each month I call, they supposedly fix it and then it happens again. I have documentation of each time Ive called ( including the times ). Now, they dont even return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Delinquent account

Complaint: In XX/XX/XXXX, my spouse purchased some jewelry on the XXXX website. In our online account information, we have her card, my card, and a joint card listed. She mistakenly placed the order with my card. XXXX months later she made another purchase, this time with her card. When it came time to pay the monthly bill in XX/XX/XXXX, we discovered that my card was nearly XXXX months overdue due to the fact that my spouse had used it by mistake. I had n't checked my account because I had not used it. We were charged {$100.00} in late fees and then my credit report was hit with a delinquency notice. At no time, did Macy 's ever send a written notification of the missed payment. They state that because I was paperless it is my responsibility to check online. However, since I never made purchase ( at least not one that I was of ), I did n't check. I believe creditors are required to notify in written form of a delinquency prior to sending you to collections or issuing a delinquency notice. In any case, once the discrepancy was discovered, the account was paid off. I feel that punishing me with a delinquency that will stay on my file for up to 7 years is unjust, particularly when I paid almost twice for the value of the original charge ( approximately {$140.00}. ) This behavior is very abusive and unfair. Macy 's has discretion and to punish a customer/consumer in this way is not only excessive, but vindictive. The account was paid and so was a substantial fine, relative to value of the original purchase. Furthermore, Macy 's made not attempt to alert me to the missed payments. They simply avoid doing this in order rake excessive fees. Then they add further injury by harming my credit history and raising my cost of borrowing. There has been no other time in my history with Macy 's that I have been delinquent, and I have had this particular account, since I was XXXX years of age ( XXXX years ). This type of behavior should be allowed to occur in our economy. Fortune XXXX companies are given far more leeway and protection than individual consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: I have called Capital One twice to understand how my minimum payment is calculated. I have experience with credit card calculations since I use to work for a local bank where I handled credit card openings, closings, payments, system issues, etc. So, my knowledge of the subject is very extensive. Here is my issue with how they say the minimum payment is calculated : 1 % of your principal balance, plus fees and interest, the 1/12th of your annual fee ( if you have an annual fee ). Yet, they apply the payment differently. They apply the minimum payment as : principal, interest, and " fees '' ( if any ). They have said that 1/12th of my annual fee that they required to be a part of my minimum payment is actually being applied to the principal balance. This is in favor of the customer but is misleading since I still will have to pay the full annual fee when it comes due. If a company 's minimum payment requires 1/12th of the annual fee to be calculated into the minimum, then that 1/12th of the annual fee should apply to the annual fee. I have confirmed twice that it is n't going towards my annual fee. I have tried to get something in writing on " how the minimum payment is calculated '' but they only send me my " current terms '' and " agreement '' which does n't include how the minimum payment is calculated. I still have what they sent me in my possession. So, I can not get a confirmation in writing that this is truly how it works. My concerns are : is my payment truly being calculated as they say, is my payment truly being applied as they say, it seems unfair and misleading to those credit card customers who do have an annual fee to have a minimum payment include their annual fee yet still responsible for the full annual fee at a later day, it 's also unfair that a credit card consumer with an annual fee has a higher minimum payment calculation than those that do NOT have an annual fee ( most with an annual fee are rebuilding their credit and have a limited income ), should n't how they calculate their minimum payment public knowledge and/or in writing where it is easily accessible?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar Bank FSB has failed to submit payment to my Home insurance provider. There may be a lapse in coverage if the company does not pay.

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. ) Nationstar Mortgage increased my mortgage payment just 4 months after both/all of us completed an exhaustive in-depth modification & refinancing. We both agreed my payment would be ; {$500.00} monthly @ 4 % for a 40 years note. Nationstar jacked my payment another $ 50 monthly to {$550.00}. In 40 years @ 4 %, that equals another {$24000.00} going to Nationstar. Also, they could jack the payment again without my signature or approval tomorrow. 
Nationstar said it was needed for escrow. I reminded them that they just completed a loan mod-refi only 4 months ago which examined the escrow needed. 
I only get {$1200.00}. per month XXXX since being injured on XXXX XXXX XXXX XXXX so a {$50.00} monthly increase is a big deal to me. 
For Nationstar, it 's {$24000.00} more in their pocket. And within XXXX, possibly just 2 years, i could be " Escrow-Increased '' out of my XXXX bedroom, XXXX bath home. 

2. ) Please make Nationstar honor their 40 year agreement that my mortgage payment stay at {$500.00} as we both agreed and signed to. Also, i did not change or alter my property nor did i file any claims which might affect the escrow insurance. Nothing has changed since we passed " signed '' papers 4 months ago ( XX/XX/XXXX-XX/XX/2015 ). 

3. ) I am the 'disabled ' homeowner adversely affected by Nationstar debt collector who portray themselves as a mortgage company. 

4. ) Homeowner 's mortgage. 

5. ) Review ; Four months earlier, Nationstar went over every little detail for my loan modification, especially escrow, taxes and insurance as we finalized, agreed and signed a 40 year note. 
What good is that mortgage contract if Nationstar can keep 'unilaterally ' increasing the monthly payment by {$100.00}. each year crying " escrow ''. In 3 years, my {$500.00}. payment will become {$800.00}. per month taken out of my {$1200.00}. Soc sec. XXXX. Two more years and i will have to give them {$1000.00}. a month out of {$1200.00} ... ... ... ... ... ..Keep in mind, some years, we do not receive an annual increase from SSI. 

i 'll be homeless again.

Company response to consumer: Closed with explanation