milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with Harvard Collections, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! <P/>1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. <P/>2. The debt is not mine! <P/>3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. <P/>I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. <P/>4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company called Credit Protection Association , L.P has been calling and sending me letters regarding a {$100.00} debt of unreturned equipment to XXXX. I am a current XXXX customer, and have contacted XXXX. XXXX customer representative at the collection department told me I do n't owe them any debt, and even told me that they do n't work with a company called Credit Protection Association , L.P . They suspected this is a scam and recommend me to block the call. I am still receiving letter about this debt, and also received a notice of report to credit bureaus from this company. I also noticed online many scam complaints regarding this company. 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 explanation
Consumer complaint received 05/24/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Closing/Cancelling account

Complaint: I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (UT).
Issue: Problems when you are unable to pay

Complaint: Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy

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 10-06-2016 about Student loan (Non-federal student loan) with Tuition Options LLC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was speaking with someone from the XXXX referring to my current student loan from when I attended school for 4 months in 2014. They were helping me with my payment ( s ) and I asked them if this also would apply to my other student loan. The woman from the loan service I was on the phone with as well as the gentleman from the XXXX both explained to me that the loan service I was speaking to presently was my ONLY student loan for the school. I was extremely confused. They proceeded to explain to me that what was happening was a " third party '' gathered my basic information from my REAL loan and created another seemingly FAKE loan off of that. The monetary numbers almost match each-other as well. So I guess I 've been double paying my student loans because only ONE of the TWO seem to be legitimate as again I was told I only have XXXX loan for my past schooling of only 4 months. The woman and gentleman I was speaking to also told me how common and unfortunate this was and that they received calls like this daily with students unaware that they were being scammed. I am still shocked, confused and extremely frustrated. I had been receiving regular emails and letters/statements from the seemingly fraudulent loan in the mail just like the real loan for about 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO).
Issue: Fraud or scam

Complaint: I sent {$2200.00} dollars to XXXX XXXX of XXXX Missouri for a car that was supposed to be delivered to me within XXXX days. I never received my product. Therefore, i got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with Allied Interstate LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

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 08-11-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I contacted Quicken Loans for information on refinancing my condominium. I was told by the agent when I contacted him that I would be able to refinance my condo for a rate of 3.625 % with no costs to me. I understood that to mean that I would not be paying for points on a loan, nor would be paying any closing costs at all. That was the way the loan was sold to me on the phone. Once I decided to apply immediately over the phone based on the information the agent told me, I was asked to provide my credit card information so that they could charge me a deposit that I would apparently get back after the loan documents were processed. I gladly gave my credit card information knowing that I would get my refund after my low rate loan/refinance had closed. Once I submitted all the documents they requested, and was charged {$500.00} deposit, I found out that I would be paying {$3900.00} in closing costs including paying points on a low interest loan ( information that was not disclosed to me initially when I signed up ). I even got an appraisal done since I had already paid {$500.00}. I had a huge problem with the misrepresentation of information of course, and called back to dispute the information I was provided. Quicken Loans refused to refund my deposit despite them misrepresenting themselves to me when I signed up for the loan/refinance. I was given a refund of {$4.00} yesterday XXXX/XXXX/16. Needless to say I am extremely displeased with the service I received from a supposedly reputable name to intentionally misinform me just to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 09/19/2016 about Debt collection (I do not know) with New Century Financial Services, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Today I received a notification from my HR department that they received a Creditor Garnishment to garnish my wages. They included that it was their legal obligation and enclosed a copy of the withholding order for my records. I was mortified that my employer was involved in something like this but also completely confused as I read over and over the court order. 

My current credit situation is under control so to receive this notice I was surprised. The court order held no information at all to what this was regarding. I did not recognize the amount, the company or dates. There were even errors listed i.e. Total Due XXXX/XXXX/2015, Date Issued : XXXX/XXXX/2015. 

Immediately I called the lawyer that is representing the plaintiff and they told me to contact the Court Officer for the account details. It is all unsettling and confusing. This is the first time I am being notified legally, and through my employer. 

After feeling lost, I went to the internet for answers on who New Century Financial Services and XXXX XXXX XXXX are and discovered even more unsettling details. I am writing to you in hopes to rectify what is being done to me. These payments are being taken out of my check next payroll and there is nothing I can do to stop it. Please assist.

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 04-12-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The above dispute # is for an incorrect name, XXXX. They still had only my married name & i have been divorced for over XXXX & legally reverted to my maiden name in the divorce decree. I tried to correct online & had trouble signing in since the security questions had nothing to do with me. I called & tried to explain the name change, thought all was settled, Found out that a few days later that instead a Fraud Alert was placed on my account. I called again & tried to have it removed. Also, called XXXX & XXXX since I got a notice from XXXX that a Fraud Alert had been placed. I have since called & finally was able to get someone that immediately updated my name after pulling copies of my drivers license & SS card that I had sent earlier in the dispute. But I have been unable to get the fraud alert lifted, I applied for a credit card & had to send copies of my DL, SS & Bank statement to prove it was me applying. I do n't plan on any applications in the near future but would like to have this Fraud Alert removed since I never requested it. Thank you for your anticipated help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Managing the loan or lease

Complaint: My wife and I bought a new vehicle from a local dealer. The financing was placed through Bank of America. After receiving the first billing, I attempted to pay online. This did not work. It was a trying circumstance to establish the online presence. I ended up calling in and making a payment over the phone. 
The second month payment became due and I was agin unable to get the website to recognize me. I ended up calling an XXXX number and got a wrong department and was transferred. That call then lasted 17 minutes and led to more frustration.

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 04-12-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX    ran a credit check on me without my consent.    XXXX   XXXX   2017

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 03/31/2017 about Debt collection (I do not know) with ConServe (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2017 I checked my XXXX Credit report and this company out of nowhere appeared on my credit report from Conserve. Who ever this company is they did not send me any letter of this debt, which they violated my rights to dispute any debt that is in my name. I have never seen nor heard of this company until I got an alert of an collections on my credit report. This company violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (TX).
Issue: Account opening, closing, or management

Complaint: I signed up for the XXXX / Barclays Card by filling out a form on a flight. 
I have had several issues with the account : 1 ) Name was spelled incorrectly on card / account, this took several months to correct 2 ) An Annual fee of {$89.00} was charged on my incorrectly spelled account which had not been activated - I had no means to pay / access this without corrections to my account 3 ) I never received the XXXX award miles that were promised as a part of the promotion 4 ) Incorrect credit report lead to me not being able to be part of our home loan : '- Barclays reported my late payment to the Credit Bureau XXXX They corrected this once I I disputed in light of XXXX XXXX and XXXX XXXX above. 
- I needed a letter from Barclay 's as proof that they had withdrawn the credit complaint. I had to call them XXXX15 times to get the letter. By the time they sent it, it was too late. 
I cancelled my card just this morning, to avoid any future interactions. This has been an absolute nightmare - with a {$100.00} dollar charge leading to me not being able to get on a home loan.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I picked up a XXXX in XXXX Ga 2014. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXXXXXX XXXX for {$17000.00} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe {$16000.00} on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXXXXXX XXXX XXXXXXXX and the trucking company they guided me to.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax breach : I used the website to see if I was impacted. I was later informed that the website makes up results. I have not been notified to determine if I was the victim of the breach. I am also concerned about opting into Equifax 's " Trusted ID '' as there may be an arbitration clause I have to sign to get protection. This behavior is unacceptable and such companies should be punished for their lax security and ineffective security and notification measures.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The balance of this loan from XXXX XXXX XXXX of XXXX, XXXX, was discharged as part of a chapter XXXX bankruptcy, and is reflected as XXXX balance on my credit report. I received a letter from Trans World Systems of XXXX, XXXX, stating that the balance of the loan is now with their agency for collection, and the want the balance in full, with and almost {$800.00} fee. I believe this is fraudulent. In the letter they sent, there is no phone number to call, and the website they list requires information to log in that was not included. The letter states that if they do not hear from me in 30 days, that they assume the debt is valid and will pursue collection. I doubt the validity of this letter, the company, and their access to information which is no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I had  XXXX  store credit cards with Synchrony Ban k Walmart and Sam 's Club st ore cards. Then in late  XXXX  early  XXXX    XXXX   my  XXXX  cards were blocked because o f Fraud is what I was told. The fraud was that there were several accounts opened up in my name within a short amount of time all with Synchrony Bank. These accounts were fraudulent as I did n't authorize this. So instead of just closing those accounts they blocked the accounts that were mine Walmart and Sam 's Club and sent me a report to fill out wanting my tax documentation and I refused to do so because that was n't the  issue. So I had to close my  XXXX  cards along with the fraudulent accounts. I hav e since received four letters  from Synchrony which is attached stating that those  XXXX  accounts that were opened was fraudulent because I sent an FTC Affidavit and Police report. Now, my issue is why did n't they re-ope n the Walmart Store card and the Sam 's Club Store card which was blocked because of all this mess an d was my accounts.

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 09-02-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is my XXXX case against this group - repeated attempts to reach them and the debtor are never successful. I keep getting collection letters about a debt that was paid over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Adding money

Complaint: I loaded money to my account and the funds never appeared. 

The money was withdrawn from my American Express prepaid credit card, but never credited to my account. 

I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times. 

I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.

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