milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-06-2018 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/2018, I received a document at my place of employment requesting verification of my income. Upon receipt of this document, I contacted P.S.C. to discuss the debt and my intent to pay. During this conversation, we discussed a promissory note for the debt in question, and I agree to review the document, and I made a {$50.00} good faith payment towards to debt after being told that I needed to do so. I was to receive a promissory note in the mail from P.S.C. in  order to begin making payments on the medical debt. To date, I have not received the document, but I have continued to receive harassing phone calls. On Friday, XX/XX/XXXX, I received a call from " XXXX '' demanding that I return his phone call by XXXX XXXX that day. On that date, I also made another {$50.00} payment as good faith, expecting that I would at some point receive the agreed upon documentation that would afford me the opportunity to clear this debt. 
It is not my responsibility to ensure that documentation is received by me in order to clear the debt. It is the responsibility of the collection agency to honor their part of the arrangement and provide me with proper information. I am not going to pay on a debt, under a verbal agreement with no assurance that my credit will not be impacted. If PSC wants me to pay the outstanding debt, then I suggest they stop calling to harass me, and they provide me with the written documentation they themselves proposed so I can go ahead and issue payments to clear the debt. This will be my only attempt to resolve this matter with PSC. Should PSC continue to harass me, I will take this to the next level. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. 
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX, 2016, I received a voicemail from Capital One Fraud Department asking me to call right away since they believed they had detected " suspicious activity on XXXX of my credit card accounts. '' Over four months later, I continue to be billed for fees and interest on a closed account that Capital One agreed had been used fraudulently via identity theft, and that we had XXXX liability to pay. Capital One assured me that I ( and my husband, whose name was also on the account ) would not have our credit scores affected, and yet Capital One continues to report that we are " past due '' for money we do n't owe ( that they agreed was stolen via identify theft in the first place ) ; they refuse to help correct our credit score. Capital One keeps " finding '' additional charges on our account when I call them to inquire why they keep billing us for a closed account with a {$0.00} balance ; they refuse to send us anything in writing, so we have never seen the charges we are meant to dispute ; we also sent Capital One a registered letter under the Fair Credit Billing Act ( FCBA ) and by law they were required to reply in writing within 30 days ( they did n't ) and to cease attempting to collect money ( they have n't ). What began as a " simple '' theft of {$15.00} has turned into a 4+ month nightmare of repeated calls, repeated billings for money we do n't owe, XXXX perfect credit scores lowered without any of this being our fault, no apologies, and no end in sight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with XXXX XXXX. The dispute is over a credit card debt that was bought by another firm, named XXXX XXXX XXXX c/o resurgent capital services XXXX XXXX XXXX XXXX SC XXXX The original account ( XXXX XXXX XXXX ) was closed. The amount is in excess of {$1000.00}.

In 2017, XXXX filed suit in a Magistrate Court in XXXX XXXX, PA/ The case was dismissed.

I disputed this fact to XXXX XXXX online. They sent a letter saying they needed proof of my address. I mailed in proof, which was my bank statement and utility bill.

I received my results via mail. Information updated. Dispute not specific, verified and updated.

I would think if they did a manual check as they said they had to, the evidence of a court of law would prevail. The case was dismissed and should not be on my credit report for a buyer of bad debt, that is over two years old in PA

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.

Company response to consumer: Untimely response
Consumer complaint received 05/25/2017 about Debt collection (I do not know) with Commercial Recovery Systems (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.

Company response to consumer: Untimely response
Consumer complaint received 04-05-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (LA).
Issue: Deposits and withdrawals

Complaint: Paypal froze my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit card () with CITIBANK, N.A. (PR).
Issue: Billing disputes

Complaint: I have disputed the following item with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, FCBA and FACTA.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX  XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Payoff process

Complaint: I have XXXX deferred interest promotions on my account. 
1. {$720.00} which was taken on XXXX/XXXX/2016 and was for 12 months 2. XXXX which was taken on XXXX/XXXX/2016 and was for 6 months. 
During the cycle in which I made the XXXX promotional purchase, I also made a second payment to my account that cycle. I had already fully satisfied my {$25.00} minimum due for the cycle due XXXX/XXXX/2016 with a payment of {$29.00} on XXXX/XXXX/2016. Prior to my statement cycling, I made an additional promotional purchase ( # 2 ) on XXXX/XXXX/16. This was still within the same cycle ( my cycle closed XXXX/XXXX/16 ). On XXXX/XXXX/16, 1 day prior to cycle, I made another payment of {$50.00}. This payment was entirely " in excess '' of the minimum. Synchrony applied that full excess to the old promotion. I had to call to have it accurately applied, and was advised by the agent when I told her that this is a systemic gap, that they know it, but that she can fix it for me and I wo n't have the problem again. She indicated that this only happens when you make an excess payment in the same cycle that you took a promotion at a shorter timeframe than the existing promotion on the account. My issue is that not all consumers are Vice Presidents of credit card companies like I am, and do not understand that this is an Unfair and Deceptive Act/Practice. 
There are no disclosures in the issuer 's Payment Allocation statement that reference promotional purchases, and given that this specific product 's primary use is by customers who are making interest deferred promotions, this should be succinctly called out. The requirement deals with the interest rate in play, because the purpose is for customers making more than full payments to be able to repay the debt in a shorter timeframe with lesser interest charges. By not requiring the issuer who offers mainly 0 % deferred interest periods to not also disclose to the consumer how the allocation of excess amounts will apply when promotions of differing lengths apply, the consumer is unable to understand fully how to pay the account to accomplish the goal of " 0 '' interest if paid within the required timeframes. 
Please contact me directly with any questions XXXX XXXX XXXX Sr Product Manager, XXXX Vice President, 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 explanation
Consumer complaint received 01/18/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a home equity line of credit for several years. For the majority of those years I have paid more than the interest only amount requested. Many times I received a payment coupon stating that I had {$0.00} amount due. I still paid an amount. I had assumed this over payment went to principal. Recently I have written on both my coupon and my check that I wanted overage amounts to be applied to principal. The last two months I noticed that the coupon stated that I either owed less or {$0.00} the next month leading me to believe that the principal payment was not made. I called last month and the current month and requested that the over payment be made to the principal. Both times I was told that I had an 'interest shortage ' stemming from 2015 when I did not make a payment based on the coupon stating that none was owed. I requested an audit of my account both times and have not received anything. Further, because I have paid over the amount for years, including when the coupon stated that I did not owe anything, I can not understand how it is possible to have 'interest shortages. ' If the over amount did not pay down the principal and did not pay forward interest, what are they doing with my money? Please look into this for me. Thank you.

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 03/25/2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Me and my husband both have Jared the Galleria of Jewler accounts we had been paying accounts and some confusion happened and payments were accidentally made to the wrong accounts. We are trying to close on a house and were made aware of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX bought a credit card debt from another creditor.
I have been making payments on the debt. I have paid them the principle and more. The $XXXX balance is all the late fees. I mailed them a settlement letter on the XX/XX/2015 and they have not responded to me by mail. I requested that I wanted to be contacted by mail only. They have sold this debt to another collection agency, but they are still collecting the debt.


Credit Limit   $XXXX
High Credit   $XXXX
Balance        $XXXX
Past Due      $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Slate Chase account ending in XXXX was re-billed in the amount of XXXX, a purchase from XXXX XXXX store XXXX XXXX, CA. As I stated in dispute and again here, the package shows delivered on XXXX, signed for by a XXXX XXXX. I was not at home on this date and no one by the name, XXXX XXXX, lives at my address. I also stated that this transaction/order was canceled by myself prior but the store has a no refund policy and ignored my request to cancel. Please advise Chase that I refuse to pay for this purchase and needs to be credited off my account, this transaction is causing the account to be over-limit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I ran a credit report through XXXX on XXXX/XXXX/XXXX. To my surprise, I found I had a balance due from XXXX accounts from Quality Asset Recovery ( QAR ). On XXXX/XXXX/XXXX I had received a letter from QAR stating my balance was {$0.00} on XXXX accounts as noted in attached documentation. Around the end of XXXX XXXX, I had called QAR to arrange a payment plan for my debt of {$2500.00}. Myself QAR agreed to make XXXX ( XXXX ) {$620.00} payments ( totaling {$1800.00} ) as you will see in attached checking account statements provided. I have not notified QAR as to my findings and I am asking for your help to resolve my concern with my credit report stating I still have a balance with QAR of {$1400.00} ( {$310.00} for XXXX account and {$1100.00} for another account ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/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
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i paid on XXXX XXXX 2016 and have letter showing it paid hsbc card services. now they are trying to sue me agin

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a loan ( at the time I did n't know it was a loan, I was told it was a grant ) for XXXX. The loan was from XXXX which is now Navient. When Navient kept contacting me as they still do, they just kept telling me to put the loan into foreberance to stop it from going into collections. They had the monthly payment at a set amount but never explained that I could lower the amount to accommodate what I can afford. I also did n't know the amount would keep going up while in forbearance, making it impossible for me to pay at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/ XXXX due to identity theft debt do not belong to me

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 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The reason for my complaint is because this company did not provide all the services that I paid them for. It was XX/XX/2017 I paid XXXX XXXX XXXX {$2500.00} for these services. 

It all started back in XX/XX/2017 I saw an ad on XXXX about opening an online store, I saw this and was encouraged thinking it would help pay the bills since I no longer have been able to hold down a job due to physical problems. I was contacted by several companies but, One of the companies I paid in all this fiasco was XXXX XXXX XXXX the representative who contacted me seemed so genuine at the time and was very compelling, he made it seem so easy and that I could greatly profit from this investment. Even though I expressed not having much knowledge to all this, he persuaded me and agreed to set it all up for me and I would not have to do much. He talked me into opening more credit cards to pay for all this. It didnt take long once they got my money for him to desert me. I didnt realize it then, but I was taken advantage of because I was an easy target, gullible and a XXXX-year-old woman that just coIt alluldnt remember anymore as well as they did. Today I am in serious financial difficulty for trusting this person to the point that I might have to file bankruptcy. Please help me get my money back.

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 02/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Application, originator, mortgage broker

Complaint: At the time of my divorce in XXXX I had a credit rating of XXXX. I filed a quit claim deed to transfer ownership of our property to my ex wife and she agreed to take over the payments, she did not make the payments on time which drove my credit rating below XXXX. Since my credit rating started going down I have tried on numerous occasions to get the bank to release me as the primary borrower to no avail. On XXXX XXXX, XXXX through XXXX XXXX, XXXX she quit making payments so I took her to court to try to recover the property before the bank foreclosed on it. Upon arriving in court I was presented with a loan modification which she and her attorneys claimed released me as primary borrower which it did not. This loan modification was executed on XXXX XXXX, XXXX without my knowledge, consent or signature. The court judge advised me to do my due diligence and upon doing so I discovered that I am still the primary borrower and am not released from my obligation.

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