milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my 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 10/30/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They call several times back to back. When I answer they do not talk they hang up and call back. Have called family saying my family member is involved in a credit issue with me and called employer looking for me but they will not talk to me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: My credit card account ( account ) had a statement balance amount of {$440.00} dated XXXX XXXX, 2016 due on XXXX XXXX, 2016. 

Prior to XXXX XXXX, 2016, the payment due date, my account was posted with XXXX credits for returns which totaled {$480.00} With the total credits from returns of {$480.00} exceeding the statement balance amount due of {$440.00} by {$38.00}, it appears to me that I did not have to make a payment and I did not. 

Unfortunately, my account was assessed with a late payment fee of {$25.00} for not making a minimum payment. The explanation I got on the phone from the credit cad provider was " credits do not count as payments ''.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH 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 10-01-2017 about Debt collection (I do not know) with Colony Brands, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.

Company response to consumer: Untimely response
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am disputing this debt collection from Capita l One Secured Credit Card for the following reasons : I was finding it difficult to meet my financial obligations after I lost my job. I owed Capital One   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have anoth er Capital One card, Im  paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a   XXXX   XXXX  , I am just trying to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Identity theft occurred because of my job through a breach of security with the Federal Government. Received a letter from OMB XXXX XXXXXXXX stating my ID along with other information had been compromised. Someone has been testing trying to get credit or some other use of my ID. I have tried to contact both the creditors & the credit Bureaus without any result. it has affected my credit score greatly. I have on several occasions sent letters to no avail to fix this problem. The bureaus refuse to help & say that has been verified. I would like to know how? Equifax, XXXX, XXXX will do nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Financial Business and Consumer Solutions. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted mortgage servicing company regarding my homeowners insurance which they took time to pay. It was finally paid but now has been paid multiple times resulting in me having a negative escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Services, Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I sent a request for a verification of debt last week and am receiving multiple calls on my cell phone and at work through National Credit Services by a woman named XXXX. She has called my work multiple times and continues to contact me after I sent a written request for verification of debt. When I told her that over the phone she said the debt was from " x '' on " x date ''. I said that was not sufficient and I need actual verification of the amount and validity. She continues to call my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Senex Services Corp. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: SENEX COLLECTION REPORTING ON XXXX CREDIT REPORT A COLLECTION WITH XXXX HOSPITAL WHICH IS NOT MINE..ONLY DEAL WITH XXXX IN THE PAST XXXX..ON XXXX ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX and XXXX are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from FedLoan Servicing on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( FedLoanServicing was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (NJ).
Issue: Struggling to pay your loan

Complaint: on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal information to be stolen and did not inform me until XXXX 2017 ( 2 months after the incident occurred ) to be able to react appropriately to take the necessary actions to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit card () with DISCOVER BANK (IA).
Issue: Rewards

Complaint: I was enrolled in Discover double case back program in XX/XX/XXXX and got email confirmation in XXXX XXXX XXXX. When I confirmed my time period of the double cash program XX/XX/XXXX, the representative said that I was enrolled XX/XX/XXXX even though there was n't any email nor record on my account reflected that information, and I made a lot of purchase using Discover it card in XX/XX/XXXX assuming my program started on the date I received that email confirmation. When I called in to their customer service, the director explained that the email confirmation meant nothing, and the date on that email says " XXXX XXXX as the XXXX billing period '' is not necessary the XXXX but can be XXXX and even XXXX. When I pointed out the confusion of the email, the director made up an email on XXXX XXXX XXXX that he claimed had rewards program information on it. I do n't have that email ever, and he could n't even bother making up the content of the email but saying there was an email. I was so disappointed of how Discover pulling this trick of date on me. I wish I had more clearer information in the first place to avoid this kind of misunderstanding. Discover did a terrible job of letting customer know the exactly date of their rewards program and tracking the use of their Discover deal portal. When it comes to REWARD, Discover makes all the information as vague as possible!! That made-up email was a total disappointment, I will stop using this card and stop referring my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Billing disputes

Complaint: I have been with USAA for more than 10 years and had a XXXX with them in good standing for just as long. On XXXX XXXX 2016, a charge was fraudulently made on the XXXX and shortly after that, USAA stopped using XXXX and changed their card to XXXX. This balance from the XXXX was transferred onto the XXXX which replaced the XXXX, and I did n't find out until a couple months later that there was a balance on my new card ( which had never been activated by the way ). After making several 2 hour long phone calls to USAA regarding this, a security credit was issued to the old XXXX but was never transferred over to the XXXX. Therefore, it shows a balance on the XXXX for which USAA is holding me responsible despite several phone calls over the past 4 months to USAA to try and rectify this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
<P/>
The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?

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 02-09-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I received a letter from EXPERIAN dated XXXX/XXXX/15 notifying me that my Credit Report was purchased by a company called XXXX, XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX and that this company bought it to resale to a source called XXXX. 
I am asking that this be investigated as l have a security freeze on my credit reports with all 3 credit reporting agencies. 

SignedXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan originated with XXXX, XXXX XXXX XXXX and was later sold to XXXX XXXX XXXX. I have an FHA loan. My mortgage fell into foreclosure due to a series of hardships and marital issues. I tried to do a loan modification but was declined. I subsequently opted for a short sale because I needed money to assist with relocating for my sons to keep custody of them and I also need to finish college and can not obtain the loans needed with the foreclosure. I listed my property with a Realtor, submitted my short sale package to XXXX XXXX XXXX and received an approval. As my approval came in, XXXX XXXX XXXX transferred my loan to Carrington Mortgage. Once my loan got to Carrington Mortgage, I spoke with a representative who said Carrington will takeover with the short sale from XXXX XXXX XXXX. He said the sales price needed to increase to XXXX and they had to have a minimum of {$87.00}. I told him that the cash buyer had already increased his offer and I sent the contract as requested to Carrington. I even sent updated income documentation. As I waited to get the green light to close, my home was foreclosed on XX/XX/XXXX and I was n't notified. I was caught by surprise. The attorneys for Carrington never sent me notice and I was waiting on Carrington 's short sale instructions. I raced to hire an attorney who objected to the sale. The property went back to Carrington, but the deed was not transferred because of the pending litigation. I need help resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.

Company response to consumer: Closed with explanation