milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with First Credit Services Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This letter is regarding account # XXXXXXXXX, which you claim I owe {$170.00}. This is a formal notice that your claim is disputed.
<P/>
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
<P/>
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
<P/>
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
<P/>
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
<P/>
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.
<P/>
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
<P/>
Sincerely,   XXXX   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 07/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: I asked for a credit line increase and is was denied. Best Buy credit card services canceled my credit card ( and that was fine ) and then charged me a annual fee of {$59.00} + intrest {$2.00} after the credit card was canceled.

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 09/27/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I finally after 10 years of fighting got approved for my modification with Wells Fargo, however they approved me for a modification of {$290000.00} the amount my house was appraised for. The payments are {$1500.00} at 2 % then they go to 3 % after 7year and are fixed. When I made my trial payments of the {$1500.00} they sent me the modification mortgage to sign and the principle balance is now {$640000.00}! My home is not even worth {$640000.00}! I want this investigated. They are committing fraud. I thought this would be over and I would finally get my new modification. Then they send out XXXX payments amounts. I have attached the documents. My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl 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 02/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have set up a rehabilitation payment plan with the collection agency XXXX on XX/XX/XXXX I made my first payment to them. 

I then had my social security check for XXXX garnished for {$210.00} this was a major hit to my financial budget to say the least. 

My first letter from my loan servicer Navient was XX/XX/XXXX stating to act quickly an set up a rehabilitation plan before XX/XX/XXXX or my social security would be garnished, so I did and made my payment XX/XX/XXXX. I quickly made a call on XX/XX/XXXX and spoke with " XXXX '' and she promptly opened a ticket to resolve the issue and to allow 3-5 business days. the ticket number is XXXX. I asked if they would take another garnishment in XXXX but she could not say or give me false hope. I called again on XX/XX/XXXX and spoke with a young man by the name of " XXXX '' he could not give me any good information or updates at all he just kept referring to XXXX, and then to the IRS, and to XXXX? this was an automated system and does not talk to live people. He did not help at all or attempt to just wanted to send me to one bad number after another. Please Help!! I'm XXXXyrs old!

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Tried contacting the credit collection agency, they never responded. I tried contacting Experian and XXXX and they still will not correct this error on my credit reports.

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 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have already submitted this complaint ( Complaint Number  XXXX  ), however I am unable to log on to CFPB for status using the email address I have provided. Also, the information on the submitted complaint had one inaccurate information, which I have contacted  Discover to resolve the matter prior to submitting complaint here, and Discover was unable to resolve the matter.   <P/> P rior to opening Discover credit card, I have spoken with a representative/Account representative with Discover a nd confirmed that the balance transfer fee would be 0 % if transferred by  XXXX     2017.  However, when I received the credit card and signed up online for the transfer, it had 3 % fee for balance transfer if transferred by  XXXX     2017. He nce, I 've contacted Discover and the service rep/account rep told me that there was nothing they can do about it because that was what was approved for me. This sounds like bait and switch tactic. I feel mislead.  <P/> P.S. My husband received an offer for 0 % balance transfer fee, which is why I had attempted to  open Discover, and prior to opening credit card with Discover, I have spoken to Discover account  rep for this same offer, which he said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  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 09/14/2017 about Debt collection (Federal student loan debt) with Higher Level Processing (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX is demanding that I owe them {$390.00} as part of their processing. I do n't need their company but they say I owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/22/2015 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Privacy

Complaint: XX/XX/XXXX, Synchrony Bank/JCP called our home landline since I was n't able to make a payment on my card that was due on XX/XX/XXXX. My husband answered the phone. The person he spoke with gave him my JCP credit card account information without my permission even if he knows that he is not a joint or authorized user of my credit card. As far as I know, it is unfair business practice and that they are not allowed to give my credit card information to my husband. And that they violated my privacy. They also collected a payment from him on my behalf without my knowledge. Whenever I called customer service, I have to authenticate myself on the automated system before I can get information. And I have to authenticate myself again to the agent that I 'm talking to before they can give me information to make sure that I am the account owner. What if the person who answer the phone is just pretending to be my husband, then my information got compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with Advanced Collections, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I call ed    XXXX   XXXX   XXXX   located in  XXXX , Mississippi, and asked that if I paid off  XXXX  of my accounts would they give me and discount and agree to delete the negative entry on my credit report. After making several calls there to get a discounted rate, which they clearly did not want to offer, my account representative  XXXX  agreed, and she also agreed that she would get the entry removed from my credit file. She said she would have it removed simply by telling her supervisor. Now, the day after I paid off the account, I call back to verify that the entry will be removed and to request some paperwork to show the removal and  XXXX  says her supervisor  XXXX  wo n't remove it and that she never told me she would get it deleted only that she would " ask her supervisor ''. Then she said her supervisor would only remove it if I pay the other account I owe as well.This was a very deceptive practice that  XXXX   XXXX   XXXX  used just to get my payment. It is highly unfair and misleading. I paid off my debt to them under the verbal agreement that the account I paid would be deleted off my credit file. I feel that this is CLEARLY a violation of The Fair Debt Collection Practices Act and I have recorded conversations and a witness that will substantiate my evidence against  XXXX   XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continuously received about 20-30 calls a day at my job and on my cell phone from this company. They also leave several messages a day on my voicemail which causes me not to receive other messages because no one can leave a message after they flood my voicemail. In addition, someone called my place of employment and was very rude to the person that answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I called XXXX customer service and they told me they report to all XXXX credit agencies every month. They also told me to contact Experian because the problem is on their end not XXXX. I totally agree with XXXX because XXXX and XXXX are reporting properly with XXXX. It 's only Experian that is not reporting this credit card. I feel they are doing this on purpose to suppress my credit score so I pay higher interest rates. I pay all my bills on time and many credit card companies use Experian. This is why the Experian will not add my XXXX Credit Card. I have been asking them for months to add my card to my credit profile 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 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a lien with Transunion for the amount of XXXX the lien has been paid off and I received a lien release and forward it by fax to Transunion . Transunion updated the lien as paid but did n't erase it from my credit. I was told by XXXX who placed the lien it would be removed from my credit. I told Transunion the same thing and they still wont delete it.

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 09-01-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Trouble during payment process

Complaint: SLS had misapplied a payment for XX/XX/XXXX. Because of this they put funds in a suspended account. Beginning in XX/XX/XXXXthey began reporting to credit bureaus that the mortgage was in late payments. I've made several calls trying to clear this issue up. After speaking with different Representatives on different occasions it was determined that the funds that are in suspend we're being held because they did not apply from the XX/XX/XXXX payment. I have emailed copies of my bank statements showing that the payments were drawn in timely matters for each month of the remaining year of XX/XX/XXXXand the beginning of XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX named XXXX that refuse to take my situation up further to a supervisor or remedy the problem that clearly exist. In fact, he told me to fill out a complaint with CFPB instead of actually dealing with the situation and correcting it. I find this in extremely unethical way of dealing with a situation with a consumer. In addition, the email with attachments showing my bank statements has not been opened 5 to 7 days after it was sent to SLS. When I asked why my email has not been open and reviewed I was giving the fact that they were too busy to process the emails. Within an hour after my contact in discussion I received a call from another department at SLS telling me that my current XX/XX/XXXX payment is late. My bank statement shows that payment was withdrawn from my account on XX/XX/XXXX. I am receiving calls monthly that harass this situation to the point that I just ignore them. In addition to reporting late payments, that are not late to the credit bureaus, they are adding late fees over and above what should be assign because the loan payment is not late.

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 07-06-2017 about Debt collection (Other debt) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX Act Number # XXXX Credit Recovery Asso Acct Number : XXXX RFC 119 Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I scheduled my monthly payment around XX/XX/17 for XX/XX/17 when it was due. On XX/XX/17 I see it did not come out of my bank account. I reschedule payment for today ( it is around XXXX ). I contact 'chat ' with XXXX and they are no help. I am now being charged a late fee for a problem with their system where my payment was deleted.

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 05-11-2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IA).
Issue: Managing the loan or lease

Complaint: Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Credence Resource Management, LLC (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX 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 11/18/2015 about Debt collection (I do not know) with Premier Portfolio Group (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: About 3 times a week for the past several weeks I have been receiving calls from different numbers that all claim to be Premier Portfolio Group. I never answer the call and the voice message is always the same pre-recorded message saying that I need to call them back regarding a bad check that was cashed in my name. It is an obvious scam as none of my financial records indicate any such transaction. I called XXXX the numbers and spoke to a female. I demanded that they remove from phone number from their list and not to call me ever again. Not 30 minutes later I received a call ( always from a different number with a different area code ) and the message left was the exact same one I 've been receiving this entire time from " Premier Portfolio Group. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I first graduated, I was not notified of any payment plans I was eligible for. Due to my significantly lower initial income at the time, an Income-driven payment plan would have significantly lowered my monthly payment.

Company response to consumer: Closed with explanation