milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed. 

The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account. 

I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls and letters sent to me. this is a debt that is over 12 years old. in their letter it clearly states that because of the age of the debt they will not sue me and they will not report it to credit reporting agency. because it is not legal. yet, they continue to send letters and call me regardless of their own acknowledgment of this legal aspect regarding of statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech handles my mortgage. For four months, statements showed that I had an unapplied fund balance. Within the statement it stated " any partial payments that you make are not applied to your mortgage, but instead are held in a separate in-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' So for XX/XX/XXXX, I paid the balance of a partial payment. Instead of applying the payment to my mortgage as stated, they paid off my late fee balance. The late fee balance was their for the last four months as well. Why did n't they apply the unapplied funds to my late fee previously? Since they paid themselves first, I am now showing late for XX/XX/XXXX and owing XX/XX/XXXX, instead of just owing for XX/XX/XXXX ( which would make me current ). My priority was to catch up on my mortgage and chip away at my late fees. How this was handled seems very unethical and an attempt to keep me in a late status ; in addition to continuing to hurt my credit score. It 's very upsetting that they chose to apply funds this way, instead of helping the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not one of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with FLAGSTAR BANK, FSB (NV).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 an unknown individual used a fraudulent debit card to make XXXX separate ATM withdrawals from my checking account with Flagstar Bank. The withdrawals totaled {$1800.00} and were withdrawn in the amounts of {$400.00} ( x XXXX ) and {$200.00} ( x XXXX ), my bank apparently terminated either the debit card number or the ability to make ATM withdrawals from the checking account upon the last withdrawal of {$200.00} per discussion with card services at Flagstar Bank on the evening of XXXX XXXX, 2016 ( I was not contacted by Flagstar Bank about the transactions but rather attempted to use my debit card on the evening of XXXX XXXX, 2016 and the card was declined ). The individual made XXXX withdrawals of {$400.00} from the location noted previously ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) and made XXXX withdrawals of {$400.00} and XXXX withdrawal of {$200.00} from another location ( XXXX XXXX XXXX XXXX, XXXX, NV XXXX ). I submitted a fraud claim with Flagstar Bank on the morning of XXXX XXXX, 2016 and received no correspondence from the bank. I submitted a police report with the XXXX Police Department on XXXX XXXX, 2016 to report the theft as well. On XXXX XXXX, 2016 I called the bank 's customer service number to inquire about the fraud claim and was informed that the claim was denied based on the fact that the withdrawals were in my city of residence, the fact that I retained my debit card, and the fact that there were no incorrect PINs entered during the withdrawals.

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 05-03-2016 about Student loan (Non-federal student loan) with CL HOLDINGS LLC (GA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I make payments under the IBR plan. I submitted documentation for recertification in XXXX, but was denied. I was single when I filed taxes, but I am married now ( we plan to file separately ). I was told to put " can not reasonably access spouse 's income '', but was still told to submit my spouse 's income. I was then told to submit another application and have my spouse include his income, but before pressing submit the form stated that they should only submit, if they have student loans and plan to file jointly. So, that was also denied. 

My recertification period is almost up and interest has been capitalized on my loans AND my payment is at its standard level. 

How can this be fixed? I have followed the instructions of multiple customer service representatives at FedLoan Servicing and nothing has worked or been " fast tracked ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have over 17 hard inquires on my credit report, which i did n't give authorization. I have tried to dispute them with all 3 credit bureau, i have also call have each company to get each of the inquiry removed, they told me i had to dispute them with the credit bureau which they will not remove them. They are impacting my credit score.

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 04-09-2016 about Student loan (Non-federal student loan) with Radius Global Solutions LLC (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am being harassed by robocalls from Central Credit Services LLC. I receive robocalls to my cell phone and now at my workplace landline number- at any hour of the day including Sundays. I asked this company to stop calling my workplace phone number in 2014- the representative has not honored that request, and the harassment continues.

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 08/16/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Making/receiving payments, sending money

Complaint: HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with JMS Associates, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Today starting around   XXXX   we started getting calls from   XXXX   XXXX   XXXX     XXXX  . Our bartender answered the phone told this man the owners and managers where not available at this time and if he would give her is name and number she would give it to us when we arrived. He would not just give her his name he was sarcastic and wanted all of her information. She is an employee and this was unnecessary on its own. She gave it to him and after continuing to ask her questions and her telling him she could not help and was very busy, rudely gave her his name and case #  XXXX . As soon as I arrived ( manager ) I called him and started by relaying how inappropriate his conversation was and if he needed something to put it in writing to us. He was extremely aggressive and intended on pushing buttons so I told him to just give me the debt information which he never did. I told him not to call and he not only kept calling but calling and threatening to take myself, the owners and bartender to court. Calling me uneducated trash and trying to get my personal information which he has not rights to. I finally called the police they came in and tried to call he would not come to the phone. The police left ( luckily only as far as his car ) and   XXXX   called again and I had to go to the car and get the officer to come in and handle him. The entire time we waited for the Police to come back in " he was on the phone with his boss '' this man tied up my business line and proceeded to push all of my buttons. He threatened my employer, my staff and my self and I do have plenty of customers that listened to it as he did it.. The officer told him if he had a concern to put it in writing and stop calling us. I was only able to get the name of his company by looking up the phone number on  XXXX . It is JMS Associates Contact Information   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   Local   XXXX   XXXX   XXXX   XXXX    Toll Free   XXXX   XXXX   XXXX   XXXX   Fax  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My debt comes from XXXX XXXX XXXX, whe treatment was made, afeter billing we maded an agreement for payment with automaticalyy withdrawn after few payments, the next call was from a collection agency XXXX XXXX XXXX XXXX, i had never was informed my account was passed tothis company since i never refused paying, finally we went into a new agreement after huricane XXXX, i was going tostar paying on XXXX 2018 {$140.00}, oo, after that i received a letter from a new collection agency Capio which hads very rude personal, and very bad tactics of collecting and manners not to good since i never made any negociations or signed any type of documents for this companies to had the rights on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Bank account or service (Checking account) with MB FINANCIAL, INC. (IL).
Issue: Using a debit or ATM card

Complaint: XXXX complaints against MB Financial Bank : 1. Despite the correct trial debit and credit transactions designed to establish ownership and permission which have been processed at MBFB from both XXXX XXXX Bank and the University XXXX XXXX, XXXX has failed to process the subsequent transfer requests made by me from those XXXX banks for funds residing in my account at MBFB. This has caused bills to be missed. They have failed to provide the contracted services and caused me financial harm wrt late fees and penalties which resulted from their failure to transfer the requested funds. 

2. Despite assurances on at least three occasions that my new MBFB ATM card would function exactly as did my XXXX XXXX XXXX ATM did prior to the bank being acquired by MBFB, it does not. MBFB fraudulently claims that there is no service fee to use their new ATM card at overseas locations. This is a lie. They do not indicate any fee, but they do not provide the current bank exchange rate when withdrawing money in local currency from overseas ATM 's. The acquired bank ATM card provided the actual current bank rate of exchange for all ATM transactions overseas for over 20 years. MBFB practices amount to a fee for such transactions. For the XXXX transactions I have made in XXXX, XXXX XXXX, and XXXX, this has amounted to a transaction fee of between XXXX and XXXX %. They are lying about this fee, stating that they do not charge one. It is fraudulent because they hide the fee in the exchange rate used for the transaction. 

These practices remind one of the type of moral XXXX prevalent at XXXX XXXX. Please take action to correct this criminal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile 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 11/21/2016 about Credit reporting () with CORELOGIC INC (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX XXXX, 2016, my husband and I were informed by a leasing agent in XXXX XXXX that incorrect information CoreLogic provided to the owners of the complex resulted in the rejection of our rental application. The cost of this application was {$250.00}. 
CoreLogic falsely disseminated information stating that I have XXXX XXXX XXXX XXXX criminal charges/convictions against me, according to the leasing agent and their consumer relations ' employee. This is completely incorrect. Nothing other than a negligent failure to perform due diligence on the veracity of the information being provided to consumers ' current and potential employers, creditors, landlords and others can explain such incorrect information. 

I encourage -- nay, urge -- you to begin immediate investigation of this company to ensure it is n't ruining others ' lives.

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 09/24/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Problems caused by my funds being low

Complaint: Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage statement for XX/XX/XXXX showed a balance of XXXX in my escrow account going forward into XX/XX/XXXX. I have always been at the required amount or ahead. My escrow payment is usually XXXX monthly. This month I received a statement on my bill informing me that they were increasing my monthly payment from XXXX to XXXX a month and then to expect another increase for next month to XXXX. It also implied that my new payment would now be XXXX for the remainder of the loan. That would be {$1100.00} per year more just for escrow fees ). The statement said that I would receive a letter explaining why the escrow shortfall occurred. I do not think the taxes and insurance changed that much. I have not yet received any letter explaining how the deficit occurred. The information on the letter also informed me to access assistance on the OCWEN web page but the link they provided is not working. www. ocwencustomers.com

Company response to consumer: Closed with explanation