milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with Fenton & McGarvey Law Firm, P.S.C. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with GC Services Limited Partnership (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: The following company : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :  XXXX   XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 01-07-2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: The car was towed by BMW and was damaged slightly. 
The payments were all made on time. 
I disputed the XXXX damages and the XXXX towing fee in Court. 
BMW supervisor on the phone said they would reduce it to the {$6200.00}. 
This was then paid off as agreed. 
XXXX and the other Reporting agencies have it correct. 

Please tell Transunion to change to Paid as Agreed. 
This is dramatically damaging my credit score and is not correct. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: See documentation from XXXX & gt ; Equifax states that I did not communicate with them. This is not true I have been submitting disputes with documentation for months. It is past the 30 day time frame under FCRA. The accounts with multiple errors should be disputed and barred from re -- adding. 
I have sent Equifax several disputes on these XXXX accounts over several months. They can not say I have not communicated I have sent these online. I am not liable for the XXXX XXXX Account # XXXX. It is my husband 's account. I filed Bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. The account was not on my XX/XX/XXXX Credit file. It was addded after it charged off for my husband. All charge off dates were modified and history in an attempt to re-age the debt. We filed complaints with the XXXX, XXXX, and also, the Attorney General of VA.There are multiple errors on my file. For this account and the other. It has been over 30 days since I disputed this at this point, since the Furnisher is verifying information they know is incorrect I want the XXXX deleted as well as XXXX is evidence of how many times these items have been disputed and though incorret. though I provided evidence they have left it on my file. These items should be deleted. It has been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (FHA mortgage) with Altisource Portfolio Solutions, S.à r.l. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Bank of America returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Bank of America of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states " Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees BOA is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Delinquent account

Complaint: I have a delinquent account with Capital One Bank ending in : XXXX with an outstanding balance of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.

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 04/17/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Rewards

Complaint: I  XXXX   XXXX  filled for bankruptcy  XXXX   XXXX   XXXX   discover  card cancelled account no problem they did not notify me when I called about card they told me I asked about cash back reward they said they would mail it to me now it is  XXXX  sent a demand letter 30 days late dated  XXXX   XXXX  still no reply my records indicate they owe me over 100 dollars

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt of {$29.00} that was in disputed with XXXX that was paid, at least XXXX. The debt occurred around XXXX of 2014, where XXXX said I did n't return a piece of equipment when I left XXXX for XXXX. I did return all items, directly to the XXXX store. I, unfortunately, did not save the receipts on the equipment. That is where the initial dispute occurred. 
I have also called XXXX numerous times, spending hours of my valuable time, being told to call many different and ineffectual departments with no answers. In XXXX of 2014, I received a letter from XXXX XXXX, a debt collection agency for the {$29.00}. I wrote a letter of dispute to them in XXXX of 2014 and I have not received any correspondence from them afterward. 
I eventually came back to XXXX and had to open the account under my wife 's name, as I was unaware that they would not open an account in my name. Since I use XXXX to pay my recurring bills, I paid the XXXX bill of {$180.00}, but, it was sent to the OLD XXXX account number in my name. I contacted XXXX and they would credit the NEW account number for the payment. They did do that, but with the {$29.00} deducted as a past due amount. This would be the XXXX time I paid that amount. The first is the dispute over the equipment. 
I then learned that a new Debt Collections company called Trident Asset Management entered a NEGATIVE entry on my credit profile with XXXX and XXXX for {$29.00}. I again spent hours calling XXXX and Trident to dispute the charges. XXXX, after much time and effort sent me a " Paid in Full '' letter which I forwarded to Trident.Another issue that adds to the complexity for resolution is that these companies change the account numbers so that when we as consumers try to trace the issues backward in time, there are no accurate corresponding account numbers. 
I have spoken to Trident and was told that they did receive the documentation and that they would remove the erroneous entry on my credit profile. I wrote another letter to Trident asking for a " Closure Letter '' and I am still awaiting that. 
I am concerned that Trident is searching through various databases that they have access to that may list outstanding ( paid or not ) debts and sending collection notices to these people, of which I am XXXX of them. I am now resigned to either continue the fight against, who knows how many companies like Trident or XXXX. Even if I give in and again pay {$29.00}, whose to know that this kind of fraud will not continue? I do not see an end to this vicious cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I submitted a payment in full to my XXXX XXXX XXXX for {$XXXX}. With the payment I submitted a copy of my statement. The check has my name and address that is on my account. The payment was received by XXXX on the morning of XX/XX/2018, and the funds were debited on XX/XX/2018. The payment however never posted to my account. I have contacted XXXX 's multiple times and they say they have not received a payment and opened up XXXX different cases to try and locate the payment. XXXX is calling/emailing daily that I am past due and assessed a late fee on XX/XX/2018. 

Today I called again and was told the payment went in to their " general ledger '' because they could not identify an account to submit the funds to. I was instructed I needed to submit a formal claim to get the money back since they couldn't apply it to my account. They asked that I send a copy of the original check. 

At this point XXXX has cashed the check as of XX/XX/2018, but they have neither applied the money to my credit card account nor will they refund the {$XXXX} so I can make a new payment. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2017 about Debt collection (Credit card debt) with DISCOVER BANK (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Discover Bank is in violation of their Arbitration Clause and Contract Agreement. XX/XX/XXXX, Discover Bank filed suit against me in Small Claims Court for an alleged debt of {$3900.00}. We agreed to arbitration XX/XX/XXXX through XXXX. XXXX refused to arbitrate and pay fees even though they had agreed to. XXXX, XXXX, XXXX, XXXX and XXXX, XXXX sent XXXX a letter requesting they pay the arbitration fees. XX/XX/XXXX, Small Claim Court Judge compelled XXXX to arbitrate. Discover refused to pay fees and arbitrate after being compelled. XX/XX/XXXX, XXXX   CLOSED arbitration case because XXXX refused to pay. XXXX breached Arbitration Clause and Contract Agreement. I received a letter dated XX/XX/XXXX from Counsel for XXXX   stating XXXX did not want to arbitrate because it was too expensive. I sent a letter to the Counsel for XXXX and made an offer of " XXXX XXXX XXXX '' but they never responded. 

XXXX defaulted for refusing to pay XXXX arbitration fees. 
XXXX XXXX failure to pay XXXX was a Material Breach of Contract. 

XX/XX/XXXX, XXXX filed Arbitration against me for the same alleged debt of {$3900.00} over 2 years after I filed Arbitration and 1 1/2 years after XXXX  closed case due to XXXX XXXX failure to pay. The alleged debt is time-barred. XXXX has filed arbitration for a debt that is time-barred, misrepresented facts, defaulted in Arbitration and breached their Contract Agreement. XXXX has violated FDCPA and continues to violate. FDCPA. 

XXXX states they will NOT arbitrate a small claim. This alleged debt is a small claim which is another breach of their contract agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX added services that I had not requested, did not use and refused to credit to my bill. 
I called and was given conflicting information. Asked to speak with supervisor and was told he was busy, but would call me back. I am still waiting for call. Received three bills from 2014 XXXX XXXX the XX/XX/XXXX. All were different amounts and said service would be cut off XXXX XXXX. Service was cut off last Saturday of XXXX. I have never received a phoned call or paper bill from XXXX. A collection for {$170.00} is now appearing on my credit report and I firmly dispute this claim. My credit score has been damaged going from over XXXX to XXXX, I am trying to refinance my home and it is hurting my ability to refinance. I feel like I am being extorted by XXXX and 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