milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Federal student loan) with Peroutka, Miller, Klima & Peters, P.A. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a student loan back in 2002, was finally paid off XXXX and now I get a statement from XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called The Steve Peroutka Law Group , P.A XXXX Their infomation is- The Steve Peroutka Law Group , P.A XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX PhoneXXXXI thank you in advance for any help you can lend to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with National Check Bureau, Inc. (MI).
Issue: Bankruptcy

Complaint: Hello how you doing? I am XXXX XXXX I had combined our debt from XXXX credit card company in XXXX. The amount I alone started to owe was {$18000.00}. {$9000.00} of it was mine and the other {$9000.00} was my wife 's. All that was from XXXX. Currently the National check burea bought the debt some how. Now they asking {$100000.00}. In XXXX they intercept my tax return from federal government. In XXXX they asked the Judge to allow garnishing my bank accounts. I am willing to settle the original amount we used in XXXX with a deep percentage off. They insist on getting half. Their attorney is XXXX XXXX. I do n't know about any law that allows this kind of hunting. They do not show on my credit report. My fear is they attack another bank account I own or worse make me sell something I have. My lawyers are telling me to file bankruptcy. I want this debt forgiven because of how old it is. Any way to avoid letting them have so much money is going to solve this issue. ( Help ) XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over XXXX years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing XXXX XXXX XXXX, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Direct Recovery Services, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A co-worker and a male friend forwarded me a msg that was left on their work phone and cell phones stating that this was my final notice and that she needed my attorney to contact her by the end of the day. That is a form of harassment. The message came from XXXX, XXXX, the message was left by XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I am a client of  SPS Financial a nd I am in the midst  of RMA process, I  have submitted all of   the information needed for the modificatio n ( P & Ls and On-Boarding S tatement from  XXXX ,   XXXX    County Office ). However, I requested to cancel a debit for {$2200.00} on my   account ; stating instead that I will send in my payments manually ( {$1100.00} is on account - {$1100.00} to be sent ASAP to complete the   XXXX    2017 p ayment ). However, I requested on    XXXX    .2017 to  cancel the {$2200.00} debit from SPS but to no avail ; they have debited by account twice (    XXXX .201   7   ) and t oday  (   XXXXX .2017  )  to the tune of {$60.00} in Overdraft Fees. Now, I have to go to my credit union and request another Fraud Alert and reversal on my bank account to reverse these fees.
I am in the midst of doubling my income by working for   XXXX -   XXXX   County 's Office    and as a  Notary Public but I need time to ramp-up my salary to make this happen. Right now, I am collecting CA UI and  need this due consideration from SPS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (NE).
Issue: Deposits and withdrawals

Complaint: Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An American Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The American Express representative stated this was an American Express fax number. 

After receiving a call from an unknown company that represented themselves as American Express at XXXX. It asked for our credit card number. 

We then directly contacted American Express. An American Express representative, XXXX, told us they received the fax but that they would only take hard copies, in spite of the earlier call. 

Although the American Express representative gave us a mailing address that was identified as an American Express address, it is not. It is the address for a company named XXXX. 

We again called American Express representative who told us that XXXX had no connection to American Express. She also verified that our account was not sent to a third party debt collector. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I first disputed these inaccuracies which came from identity theft since 2014. Ive been going back and forth with experian for years about these same accounts. I sent my police report from the XXXX Police Dept. they refuse to adhere to my complaints. Experian refuses to follow the laws that govern credit reporting agencies. Im a victim of identity theft and I cant understand how or why Experian wont follow the law. I also filed this same complaint to the XXXX because they are illegally breaking the law by not accurately reporting on my personal credit 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 12-07-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Unsolicited issuance of credit card

Complaint: I had a Costco membership with a Costco American Express ( AMEX ) Credit Card. Costco ended it 's relationship with AMEX and began a relationship with VISA. I let my AMEX expire and thought that by doing so my Costco membership would end as well. What actually happened was that Costco tranferred my account to VISA. I never activated the VISA card sent to me but I had recurring billings on my AMEX that were transferred to the VISA account. The VISA account was set up with CitiBank. I ignored subsequent mail from Citibank assuming it was advertising. On XX/XX/2016 I received an email from Citibank indicating my account was past due. At that time I called Citi and asked for a statement to be sent to me as I had no idea what had been charged to this card. On XX/XX/2016 I paid the full balance on the card and cancelled it. In the interim, Citi made a report to XXXX and XXXX XXXX that I had an account that was 120 days past due. This has changed my Credit Scores from Excellent to Weak. I made several phone calls to Citi trying to get this resolved. I finally reached someone who gave me an address and fax number for CitiBank Credit Bureau disputes. I was told there was no phone number to reach that department. I faxed the information to Citi on XX/XX/2016 and left contact information so they could reach me. Today is XX/XX/2016 and I have heard nothing and have no idea if they are looking at my case.

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 09-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Niagara Capital Recovery LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was called by a processor ( showed " private number '' on caller i.d . ), XXXX XXXX on XXXX occasions on cell phone and home phone that I wpould be served at my office or home for not paying a 2010 closed checking account if I did not contact what I know to be Niagara Capital Recovery. I was scared and called the number. A XXXX XXXX put me on hold XXXX while he supposedly contacted the original creditor. In the end, I gave him my debit card info. After the call, I realized I didn'nt even know the name of the company, I was so intimidated. I called the collections dept of the original creditor who said they 'd not had any contact whatsoever with XXXX XXXX, that the phone number I had for him was not who they 'd sold the account to and that the amount he was trying to collect was almost {$250.00} above the charged off amount. I cancelled my card and have since received more calls from them and a purported process server. Where do I go from here and are these people legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: False refinance information provided by originators of loans in XX/XX/XXXX led to almost foreclosure and eventually bankruptcy in XX/XX/XXXX. Still trying to recover financially as my home is in need of dire repairs, but I am unable to loans because of bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Managing the loan or lease

Complaint: I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: The major XXXX security breach in early XX/XX/2017 indicated that I would be impacted by their breach. However, I was not notified of this nor was I given any sort of protection against *their* data breach of *my* information. Information, I must also add, that I did not consent to give them but instead they decided to collect. Additionally, to apply for a credit freeze without an incident of theft would cost me time and no less than {$10.00}. I find this completely unacceptable that I am not responsible, both financially and through my time, to fix *their* improper security. This is unacceptable.

Company response to consumer: Closed with explanation