milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with NARTEY LAW GROUP, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage charged us via escrow account a monthly amount for unneeded forced place insurance. Upon review of the documents provided by the previous lender, it clearly shows that notification for insurance declaration pages did not arrive to us and instead were returned undeliverable to the lender. Had we known that those pages were required we would have sent them immediately. We have now provided PHH documents that prove that we did indeed have our own insurance during the period in question, but they still refuse to refund us our money. I am requesting to escalate this right away as this misunderstanding was not our fault but PHH fault for not reviewing documents when they bought this loan from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a copy of my credit report. In detailed it listed a collection account that I have never opened, signed, or agreed to this account. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Managing the loan or lease

Complaint: I took a vehicle loan out with Compass BBVA over 2 years ago and have always made my payments. Earlier this year there appeared to be an issue with my insurance renewal not meeting the correct coverage and Compass decided to take their own insurance out on the vehicle. They did this without ( i ) notifying me ( ii ) informing me that my existing insurance did not meet their requirements ( iii ) providing any evidence whatsoever that a policy had been taken out ( iv ) with exceedingly expensive premium ( way above any normal insurance cost ) ( v ) without any regard to the fact that I already had insurance and account for the money already spent. I was contacted by Compass BBVA on the XXXX Septemebr 2016 to make a payment on account, at which point I queried with them the additional costs. I refused to pay the additional cost and placed the item in dispute for someone to call me back to discuss. Instead I paid the normal monthly installment so that it would not affect my credit. No return call was made. I then made a further call to discuss the matter and customer services could not locate my account due to an error in administration when inputting my social security number. I was therefore not able to discuss the account further. I then filed a complaint with Compass as to why I could not discuss my account with anyone. After their investigation they apologised for inputting my social security information in wrong, I 'm amazed that they could not locate my account information by anything other than my social security. Still to do this day I have never been contacted about this other than to demand money yet they have gone a placed a late payment marker on my credit profile. This is an absolute disgrace. Please assist with this issue. A late payment marker should only be applied to an account that has its normal monthly installment late, not when the installment has been made and an item that does not relate to the contractual sum is placed on the account and then disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I listed 2 XXXX XXXX concert tickets on XXXX on Friday, XX/XX/XXXX and received a text inquiry from a XXXX XXXX offering me {$600.00} for the 2 3-Day pass wristbands. He offered to pay via Venmo and requested that I give the wristbands to his friend, XXXX. I received 2 {$300.00} payments via Venmo from XXXX and transferred the {$600.00} to my Venmo-linked XXXX checking account. I then agreed to meet XXXX at the XXXX at XXXX XXXX XXXX in XXXX XXXX at XXXX and gave him the 2 wristbands. My bank transfer was subsequently cancelled a few hours later by Venmo and I was given no recourse to obtain my tickets or the {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of 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 07-03-2017 about Debt collection (Private student loan debt) with WELLS FARGO & COMPANY (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. 

In no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). 

I have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. 

However, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I can document through the payment history of my Consolidated XXXX Student Loans a consistent, persistent and systemic pattern of payment allocation errors. 

These errors represent a documented history of fraud and malfeasance by Navient regarding the proper management of my XXXX Student Loans according to the promissory note and, thereby, the Truth in Lending Act. 

For my first example of these payment allocation errors, please see the attached document, which shows the payment made on XXXX, where almost XXXX ( e.g. {$220.00} ) of a {$340.00} payment was applied towards the XXXX Federal Loan, which has the lower principal balance. 

Additionally, I can provide documentation for more than XXXX instances of similar allocation errors over the 12 year repayment history of my student loans with Navient XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: today, XXXX XXXX, 2017, I received a call in which they left a recorded message. XXXX XXXX that she is looking for me to serve me with the summons. If she does not find me at my home, she will proceed to find me at my place of employment,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I worked with another debt collection company in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolve this debt. It was a medical debt from XX/XX/XXXX. I filed chapter XXXX in XX/XX/XXXX. They removed this from my credit report XX/XX/XXXX after I sent them proof ) For a 3rd time ) of my bankruptcy. I had been fighting them for years to remove this. They sold this account to commonwealth financial systems. They have put it back on my credit report as of XXXX, as an open collections account. My credit instantly dropped XXXX points. They are sending me letters to collect the amount owed {$420.00}. I called and had to resend all of my bankruptcy information to them. I plan to buy a house soon and my credit has been ruined by these guys. I 'm not sure how a company can reopen a discharged debt and why it falls on the consumer to have to continually resend documentation. If they keep adding it to my credit report every time they sell information to other companies this is not right. I want it removed asap, not in 30 - 60 days. Again, this is ruining my chance of purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (UT).
Issue: Problems when you are unable to pay

Complaint: Wells fargo was included in my bankruptcy and they are still reporting negative as well as a balance every month.

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 09/16/2017 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: Information belongs to someone else

Complaint: My credit report carries a mortgage amount. It is associated with an address in XXXX XXXX., neither of which is mine. The IRS admits there has been Identity theft. I do n't live in XXXX nor XXXX period. I sent copy of my drivers license and the IRS letter. I rent and live in XXXX for 4 years now. Previously XXXX for 3 years and XXXX before that. It is not my mortgage and they refuse to verify that at least contact the Post office were the account seems to be registered. I do n't have any documents about the mortgage nor XXXX XXXX XXXX  because they are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing

Complaint: Capital One advertised it 's SPARK credit card as " ..the opportunity to build and strengthen credit for your business.. '' ( I have copies of the web pages from XX/XX/XXXX & XX/XX/XXXX ) This statement and benefit was advertised on it 's website as recently as XX/XX/XXXX. XX/XX/XXXX, on we applied for a SPARK for this very purpose. We provided XXXX name and the XXXX for our business. 2 years later, after many calls to Capital One and being told repeatedly that they report credit for XXXX as well as the primary cardholders personal account, we were finally advised - truthfully - that SPARK does not report to any business bureaus and only reports credit under the personal SS # of the primary cardholder. Our company, XXXX XXXX XXXX, XXXX has just wasted 2 years only to learn that by using the SPARK card we have not built or strengthened XXXX ' credit at all. This is not a business credit card. It is a personal credit card that allows the cardholder to include a business name on the face of the card. If we had been told the truth initially when placing the application, we would not have requested this card. I have personal credit cards. This has caused harm to our business as we now must start over and find another company and because of lack of credit history we are not able to obtain important tradelines for XXXX. Both XXXX and SBA counsel small businesses to establish separate tax ID numbers for businesses in order to establish credit in the business ' name. Capital One takes the business name and business tax ID information and then ignores it. This is misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted EXPERIAN 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report

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 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It appears that the credit bureaus are reporting inaccurate statuses - never delinquent in 2008. Original creditor refused to remove this information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX Purpose : Please give me my {$370.00} dividend. 

My DIVIDEND credit card was closed on XX/XX/XXXX by Citibank, but my {$370.00} interest was negotiated and they refused to give me the request for CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : 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 04-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI is trying to collect a debt they bought from XXXX and they are not licensed to operate in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am very upset as I had a lease with Toyota Motor Credit, made all payments on time and the account was always in good standings with my payments. Went to trade in the car and buy a car from Toyota, was told if I owed anything remaining on the lease it would be tacked on to the new loan. I purchased another car from Toyota left again my account is in good standings currently. Months later pulled my credit and now the good paid off account reflects I owe {$450.00} I called and I was told I went over my miles. I was informed I do not owe anything and now things changed. I am lost for words and what horrible business practices. Now I have a collection on the account I made my payments on time. This is NOT FAIR at all! Please help me CFPB

Company response to consumer: Closed with explanation