milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Innovative Debt Solutions (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX-XX/XX/XXXX I held a bank account with XXXX. Unfortunately I was not fiscally responsible and my account ended up going back and sent to collections. In XXXX I was contacted by the law firm XXXX XXXX XXXX out of XXXX, XXXX with whom I entered a settlement agreement with. I completed my settlement agreement on XXXX XXXX, XXXX and received a Release of Liability from the law firm. Recently, a woman by the name of XXXX began calling me and stating that her company was attempting to collect a debt for XXXX. After supplying her with a copy of my Release of Liability, XXXX stated that they were different accounts and different amounts ( which should be obvious as I settled with XXXX XXXX XXXX ). This prompted me to research her company ( ID Solution out of XXXX ) and email address XXXX XXXXXXXXXXXX ) as well as her phone number ( XXXX ). No information came up for any of this. I contacted XXXX Collections directly and they confirmed the account number XXXX XXXX XXXX held as well as when my account was open and closed ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). They also cautioned me that this company may be a scam after I shared my concerns over the behavior of XXXX. I called XXXX back and supplied her with the information XXXX had given me. She became hostile and aggressive and informed me that her company had purchased the debt from XXXX XXXX and that the date of last activity was XX/XX/XXXX. I asked her for the name of her company, but she was evasive and stated that I " had her email address. '' I explained nothing came up when I was searching for it and that was when she stated they were out of XXXX. I asked for a website and she refused to supply one. When I told her that did not give her much credibility she became more hostile and downright rude. I informed her that I would contact XXXX XXXX directly and she retorted, " You do that! '' and hung up on me. XXXX XXXX had XXXX phone numbers on their website, XXXX of which was disconnected. The other was actually a different company and they indicated they did n't know what was going on with XXXX XXXX but that they may be closing down. They had absolutely no information about my alleged account that was sold to ID Solution and shared with me the same caution that I should be wary of ID Solution as there are a lot of scams going on out there. XXXX has continued to call and harass me, threatening me with legal action if I do not pay this false debt of {$1600.00}. I have blocked her number on my phone, but it frequently rings in as " private '' and I can not avoid those calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Mortgage has lost money I have sent to them, miss applied monthly payments and have almost doubled my monthly mortgage payments. Missed paying my homeowners ins. twice causing cancellations of the policies. Refusing to investigate the certified complaint I sent them and now are charging me with late charges when I am current with my mortgage payments which are being mis-applied. I believe if they continue this inept and flagrant behavior in direct violation of the fiduciary laws will lead to unlawful foreclosure of my home.

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 11-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Alarm was installed XX/XX/2014 by XXXX. I was told that I could set my alarm from my smartphone, which is a Windows phone, however, after the installer was in my home past XXXX, trying to get the systems to work, I was very tired and noticed a few days later, that scratches were on my counter drawers. In addition, I was not able to set my alarm from my smartphone. I was told by the representative after calling, that the system would only work on an IPhone ( 3 days past of being able to refuse the service ). Moreover, the agreement was to take XXXX payments of {$33.00} ( XXXX & XXXX ) and start taking regular payments starting XXXX ( {$44.00} ). XXXX took out more than what was authorized by me. I initially made an {$81.00} ( check ) down payment that was part of the XXXX {$33.00} payments. XXXX withdrew several payments more than what was authorized. I spoke with XXXX in reference to this incident of the extra ACH ( s ) taken from my bank account. Those withdrawals were never refunded. I am being charged for the equipment, which I requested XXXX to uninstall and I am being charged for three years of service. Mind that the system was installed XXXX 2014. Moreover, after speaking to a XXXX rep in reference to ending the service, he inquired as to why. I stated that XXXX had not ethically represented their portion of the contract. They took more funds than what they were authorized and damaged my counters and the monitoring stopped. Because the system was not being monitored, my garage door came opened on several occasions ( system connected to my garage door ), causing items to be stolen, which I did not notice until I had to use something that was stored in my garage ( XXXX ft. ladder, bar stools ( XXXX ), and XXXX XXXX products and other small items. I am a widowed part-time employee and senior citizen and can not afford to pay for products that do not operate properly. Moreover, XXXX took funds that were not authorized, which is unethical. 
I do not have access on my computer to forward documents, however, I can forward copies of paper documents and I can forward an email of the conversation that took place on the initial day/date that the XXXX representative came to my home.

Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent XXXX XXXX reported a collection on my credit report, supposedly myself owing XXXX a balance from an old account, account number XXXX. I received a letter from Convergent, also attached to this email, dated XXXX claiming the debt. I responded to the claim, with the copy of the equipment return, showing a {$0.00} balance from that account on XXXX. Convergent nor XXXX had contacted me before the date of the letter from Convergent claiming the debt. However, prior to receiving this XXXX letter from Convergent, the collection was on my credit report. Convergent was in direct violation of the FDCPA and FCRA laws. Those laws state that I have 30 days from the date of the letter, which was received 7 days after the date of the letter. I immediately responded to convergent with the proof of no debt owed to XXXX, and my complaint that they did in fact violate laws by reporting the collection prior to my 30 day response period, and by not providing verification properly, specifically FCRA, 611.B.iii, showing and describing the process, person and accuracy of the debt, NOT a printout of a " supposed '' invioce. I sent the dispute to Equifax, which failed also to properly and legally verify the process and person and true verification of the supposed debt. The " supposed '' invoice and collection amount is only {$130.00}. Which had I been contacted by XXXX or even Convergent, PRIOR to and in accordance with the FCRA laws of the " 30 day '' period they are required to allow the " debtor '', this would have never become a collection account. I have provided proof to Equifax and Convergent of their viloation of my rights and the FCRA laws, and neither company removes the falsehoods of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Late fee

Complaint: I have had a Citibank credit card for a number of years, which was enrolled in auto pay. This card carried no balance for a number of months. In XXXX 2015, I accumulated a balance due to some purchases. I knew this card was enrolled in auto pay and did not schedule a payment as it would be debited automatically according to the autopay instructions. On XXXX XXXX, I was charged a {$26.00} late fee. I became aware of that and paid a payment and I also contacted Citibank to understand why it had not autopayed according to the instructions on file. They indicated that autopay had been suspended due to inactivity. However, I never received notice that this was the case ; thus, I do not believe I should have been charged a late fee. Moreover, I have repeatedly tried to re-enroll in autopay and when I enter the information, I just get a blank screen after entering it. I brought this to Citibank 's attention and they had no solution for me. I would like autopay reinstated and the late fee reimbursed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Delinquent account

Complaint: First, let me start off by saying that i have XXXX or more credit cards and my mortgage with Chase. Chase Amazon credit card was paid in XXXX of 2015. In XXXX of 2015 i have a 30 to 60 day late pay on my credit report dropping my score from XXXX to XXXX. Shocked! I logged into equifax to find that my Chase Amazon card was reflecting a past due {$7.00} amount. Called and paid it immediately and then contacted chase. I had never recieved a bill from chase, let alone a " past due '' one. Never recieved a call. Spoke to Chase and they stated that they sent mail and send emails. I clearly put on my original application that primary method of contact was by phone. One chase employee said they did call. When i asked for dates and times she said, " i apologize, we didnt call you and it looks like the amount due was interest after the payment in XXXX. '' I spoke to another employee of chase and she said that, yes, we did call you, asked for dates and she gave me XXXX XXXX at XXXX and XXXX. My question to her was, that was after i called and made the last payment and why would they all of a sudden call then. I also asked her why the back to back call. CLEARLY, no call was ever placed to me. While speaking to ANOTHER employee i ask " did i not get called due to the amount being only {$7.00}? '' The employee told me that was possibility. This is clearly not only fair, unreasonable, but unethical. I am requesting that the late payment be removed immediately. I will not let this go. I have worked hard for my credit and for something like this to hurt it for 7 years is unacceptable. I will not stop until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (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: I ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!

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 11/18/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX My Husband XXXX XXXX XXXX, the primary mortgagor for Chase account # XXXX, passed away. Immediately we took action to ensure that XXXX servicers for the 1st mortgage XXXX XXXX XXXX, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. 

Since XXXX, Me, my son XXXX XXXX XXXX, and our advisor XXXX XXXX have made numerous phone calls and sent numerous faxes to Chase in an attempt to get authorization for me to discuss the account. Obviously with the loss of my husband, the primary income has been lost, and we 're now experiencing a financial hardship. We were both on fixed Social Security income, and this has now been reduced drastically. 

In the numerous conversations with various Chase representatives, including escalation managers, we 've been given conflicting information for authorizing a successor in interest, much of which contradicts the regulation that CFPB has set forth for servicers. 
On multiple occasions we 've faxed the death certificate, a copy of the primary note showing both my husband and I as borrower and co-borrower, and after an " unusual '' request from XXXX their reps, a copy of our marriage certificate XX/XX/XXXX. 

To this day even after confirmation of receipt, they still refuse to authorize me to discuss this account, yet they continue to send correspondence that threatens to take my home. Our intent is to satisfy our mortgage obligation with Chase, as it has always been, however this will require assistance from Chase. I 'm an elderly woman who has suffered enough tragedy, the last thing I need is for Chase to make matters worse by refusing to discuss this account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a account Im collections on my credit profile showing ( Capio Parnters and XXXX XXXX XXXX ) not liable for and also keep getting phone calls from but I dont answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (NJ).
Issue: Credit decision / Underwriting

Complaint: I requested a Home Equity Line of Credit on our fully-owned ( no liens ) residential property assessed at {$310000.00} ( by the Loan issuer ). After fully completing the application process, including assessment of the property, and providing all requested documentation, the lender ( PNC Bank ) stated ( via telephone contact on XXXX/XXXX/2016 ) that they would issue me a {$75000.00} line-of-credit ( at approx.3 % rate ) but ONLY if they could assume our only other debt -- a ( {$7000.00} balance ) car loan with a competing bank ( XXXX. ) -- which was financed at a 0.9 % rate. They claimed this was required due to " debt-to-income ratio ''. Question : how does paying this lender MORE for an outstanding car loan at a HIGHER interest rate " improve '' our overall debt-to-income ratio? ( In essence, it really sounds like this lender is simply trying to pressure me into moving other debt to their bank, and pay a higher interest rate. )

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (SC).
Issue: Taking out the loan or lease

Complaint: My husband purchased a car and never received a call from this company for about a year and when he did he was one day late with the payment they immediately threaten to take action and called constantly every hour on the hour when asked to not call on certain days or hours that he was at work. We have filed an insurance claim on our car due to {$800.00} in damage and the day that we left the dealership we had issues with the car they did n't want it back because it was their car. Now we 've had problems ever since. Credit Acceptance has been harassing us since we filed a claim for damage and we have to pay out of pocket for the damage to the car as well as the car payment so now they are threatening to repo it when I purchased the car it was {$7000.00} and I put nearly {$3000.00} down on the car this was XX/XX/XXXX it is now XX/XX/XXXX and I still owe over {$5300.00}. Our payments are at {$250.00} a month and my car is only worth about {$2500.00}. I do believe we were scammed out of money at one point because I remember paying a payment one time at the beginning of the month and about halfway into the month they called me saying I did n't make a payment and I paid the payment twice and they said they did not have it on record what can be done? This company has prevented me trading it in and refinancing a loan. In fact there are multiple recalls on this vehicle which is why I do not understand why the price was so high when I purchased it. The defects were still present when we purchased the car keep in mind it is XXXX Chevrolet HHR and we purchased it in XX/XX/XXXX those defects were already supposed to be fixed when we purchased the car. I really do not want this car and unfortunately neither the dealer nor credit acceptance would give me back my money for this car when I first purchased it and wanted to take it back the next week. I just want my money back and for the harassment and threats to stop.

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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: - XXXX/XXXX/17 I got identity theft and XXXX ( American Express ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX is a debt collector for USAFunds. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint. 


USAFunds is using XXXX as their debt collector. I sent XXXX several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with Equifax. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX child name is XXXX. XXXX XXXX XXXX XXXX His birthday is XX/XX/XXXX. My XXXX  child name is XXXX XXXX XXXX XXXX.his birthday is XX/XX/XXXX. He was born at XXXX  XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a substance abuse. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX Family in XX/XX/XXXX without my knowledge. A series of people was linked to me with XXXX XXXX XXXX XXXX. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to Equifax I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XX/XX/XXXX. My mother social security number is being used, she has been deceased since XX/XX/XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.

Company response to consumer: Closed with explanation