milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.

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 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Torres Credit Services, Inc. (NH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.

Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Background to the debt : I went to a XXXX XXXX XXXX near my home on XX/XX/XXXX because I left work throwing up and I needed documentation to miss the next day of work. I gave the lady working the desk my contact and insurance information and waited to get called back. After a few minutes, the lady I had spoken with informs me that the way my insurance works, I had to pay everything up front before I went back. I expected this, and paid with no issue. I was seen and went home. A couple of weeks later I received a statement detailing that I owed {$93.00}. I knew this was incorrect right off, so I called the number listed on the statement for XXXX XXXX XXXX and explained the situation to the representative. She apologized for the mistake and said I would receive a corrected statement soon. On XX/XX/XXXX, I received a statement in the mail that showed I owed {$0.00}. At that point I thought this was the end of it. 
On XX/XX/XXXX I received a notice dated XX/XX/XXXX from Transworld Systems , Inc indicating their intent to collect a debt of {$93.00} on behalf of XXXX XXXX XXXX XXXX. The next day, I sent in a brief letter disputing the debt, as I 've already paid it. I included the statement that showed the {$0.00} balance and a bank statement that showed where I paid. I sent this certified mail. The return receipt indicates that this was received by TSI XX/XX/XXXX. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX indicating a debt of {$180.00} as " still unpaid '' with no explanation as to why it was suddenly doubled. Yesterday, I sent a second dispute to the new amount. When I got home from work, I discovered another notice from TSI indicating that I " still owed '' {$180.00} and suggesting that if I get a tax return, I could use it to pay the balance. This was dated XX/XX/XXXX, a day after my dispute was received, with no verification of the debt as I requested. Today, XX/XX/XXXX, I am sending a third dispute noting that I have filed this complaint as they have continued to contact me after receiving my dispute and to not contact me without verification of the debt that supersedes the statement I have that shows {$0.00} owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: Barclays closed my XXXX Rewards card out of the blue. I had paid the annual fee of {$89.00} several months before closure and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Payday loan () with Enova International, Inc. (VA).
Issue: Can't stop charges to bank account

Complaint: This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX ( last year ) my mother passed away and I went to Ohio to help with her funeral and ended up paying many expenses we thought were covered by her insurance. Due to using my savings to help with funeral expenses I was unable to make my next mortgage payment. I made mortgage payments the following two months, but was still 1 month behind. At the beginning of XX/XX/XXXX I was laid off from my job. Knowing I could n't catch up the month I was behind and that I would n't be able to make any more payments until I went back to work, I called US Bank Home Mortgage to see if there were any options for assistance. I was told by the agent " Off the Record ''  that I needed to be at least 3 payments behind before they could do anything to help me catch up. I asked if that means I should just not make payments for at leas three months so I could get help. The agent said he ca n't advise me to skip payments, but " yes. '' So in XXXX I again called US Bank and applied for mortgage assistance. It was determined that I was not eligible for assistance at that time. I immediately attempted to pay 3 months ' mortgage payments to catch me up to being only 1 month behind, but the check was returned to me uncashed stating that I owed 4 months mortgage payments and they would n't accept 3 months payments because it was n't the full amount owed. I was advised " off the record '' to make sure I have no money in my bank accounts and try applying again for assistance. That would make it more likely I would get help catching up payments. So I used my savings to pay other bills XXXX while my credit bottomed out due to mortgage ). With no money in my account, I applied again. I was again denied, and told they were starting the foreclosure process unless I could come up with the total amount that I am behind..which is n't possible.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans were originally through XXXX XXXX, and now they are through Navient. I pay an astronomical amount each month. I was told if i entered into this special reduction program, my payments would then drop after a year. After the year ended, I was then told that was incorrect, that what I had been paying was the reduced amount, and they tried to double my payments when I could barely afford the original payment. Now every year I have to beg them to reduce my payments. They try to bully me and my cosigner - who is unable to pay. On multiple occasions they have taken out too many payments and I have to call and beg them for a refund so that I can eat. They also never take the payments out on time which causes overdrafts constantly with my bank. 
Their customer service is rarely helpful, and every time I call I am given different information. I am constantly told i have been misinformed. It is very frustrating and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX  is reporting two closed accounts on my XXXX   credit report. Both accounts show a balance of {$380.00}. One is shown to have been opened XX/XX/XXXX, the other on XX/XX/XXXX.

They have been doing this for many years though I have asked for them to remove them.

Also, XXXX XXXX   has never validated the debt with me though I asked them to do so in XX/XX/XXXX and in XX/XX/XXXX. Without validation I can not know if these 7-year-old accounts are mine. I do not believe they are mine.

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 10-06-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Since XXXX 2015, I have repeatedly tried to get a dispute started for a charge XXXX put on my American Express Serve card for approximately {$94.00}, because these were cable wires, AND LITERALLY, NOT ONE OF THESE WIRES OR ANYTHING ELSE I MIGHT HAVE RECEIVED WORKS! I HAVE REPEATEDLY CALLED SERVE, AND NO MATTER HOW MANY TIMES I CALL TO START A DISPUTE, I 'M TOLD ALL KINDS OF XXXX ABOUT WHY THE CHARGE CA N'T BE DISPUTED - WHICH IS B.S!!! IN THE BEGINNING, I DID GET A DISPUTE FORM IN MY EMAIL ; THEN, 3 DAYS LATER, SERVE WROTE ME AND SAID IT WAS CLOSING THE CASE, BECAUSE " I FAILED TO RESPOND!! '' SINCE THEN, I HAVE ENCOUNTERED NOTHING BUT EXCUSES AND HEADACHES IN TRYING TO START A DISPUTE! THIS IS WHY I AM WRITING. I WANT MY XXXX MONEY BACK AND I WANT IT NOW!!! PLEASE ASSISTS ME IN THE RETURN OF THE {$94.00} APPROXIMATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am a XXXX woman with low income and I have NJFAMILY CARE insurance and it is covers me XXXX without paying out of my pocket any pennies. I went to the Hospital I have to take some XXXX ordered by my physician and XXXX XXXX sent me to collection when I was not suppose to pay any pennies out of my pocket. They keep send me all this letter and I have been very 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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Merchants and Professional Bureau, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Merchants and Professionals is reporting an inaccurate late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On  XXXX    XXXX   2017 a fraudulent charge of {$57.00} was made on our Capital One Visa Signature card from a   XXXX   in Georgia. We live in Illinois and have never been to Georgia. It was flagged as fraud and we were told another attempted charge was stopped. A credit was issued as well as a new card immediately. On our   XXXX    statement the charge was reinstated for some reason. I have called several times and have gotten several different reasons that it was recharged. One being that we have used the card at a   XXXX    elsewhere and another said that someone else called and said it was valid which is not the case. I have insisted that it was fraud and that it had been originally flagged by Capital One, but it is now nearly   XXXX   and I can not get it removed. We have cut up our cards and no longer use them and will probably close the account once this issue is resolved. I am writing letters to the company today as well to try to get someone 's attention and a credit of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX  needs to delete and remove this fraudulent account from my Equifax credit report immediately. Your company failed to provide proof that my rights have not been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Payday loan () with Payday America Inc. (MN).
Issue: Payment to acct not credited

Complaint: I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To Whom It May Concern : This letter is in response to your recent claim that Navient, has verified that the account they are reporting under my name is accurate. your INCORRECT reporting is reporting me LATE ON MANY MONTHS WHILE I WAS IN DEFERMENT AND WAS GOING THROUGH ECONOMIC HARDSHIPS. THE INCORRECT LATE REPORTING ARE AS FOLLOW : 90 DAYS LATE ON XXXX ; 120 DAYS LATE ON XXXX : 150 DAYS LATE ON XXXX : Be advised that the incorrect reporting is detrimental to my credit and is causing substantial harm to my credit reports and it 's holding me back from owning our home one day. Please remove this incorrect reporting from my credit reports and mark as current with the credit bureaus. 
the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete and represent a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General 's office, should you continue in your noncompliance. 
I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX and XX/XX/XXXX i fell behind in payments do to lose of employment and tried to workout a way to pay it back and was informed there was nothing available and they started foreclosure. I contacted an attorney and after months the mortgage company informed me that they would not talk to the attorney and my only choice was to accept a modified loan under there terms which was {$600.00} more than what i was paying or foreclose. With no other choice for my family i had to except the new payment. After a while i started having trouble paying the the huge payment i fell behind again. I contacted the mortgage company and asked how much i needed to get the account up to date and was given an amount. I got the money together and contacted the mortgage company to pay and now the amount was more. When i had that amount together and contacted them now the amount changed again, this went on for months until i contacted an attorney to help me lock in an amount to make the account up to date. I set up bill pay from my bank account to pay the mortgage directly every month so ther wouldnt be any issues. After making the next XXXX payments without any issues directly from my bank bill pay i noticed a week after my last payment the mortgage company sent the money back to my bank account. I contacted the mortgage company to find out why they sent the money back after they had it for a week and was informed that im no longer allowed to have my bank send them the money i have to get a certified check from the bank and have it mailed to them. Now my payment is late and there is fees applied to my account. When i asked why they had the money for a week they could not give me an answer and when i asked them why i wasnt informed about not being allowed to pay through my bank they still could n't give me an answer. I feel that the mortgage company is continuing to make it harder and harder to pay so they can foreclose on my house and as long as they continue to affect my credit score I can not refinance with another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX  I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back to  XXXX . I called  XXXX ,  XXXX , and Experian to advise that I had a fraud alert placed on my account back in  XXXX  and no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On  XXXX / XXXX / XXXX  I went to the police department to file a police report. Th e officer  called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given.

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 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have my student loans through navient, they never mentioned to me about the income driven repayment plan, they only kept assisting me to have a forbearance.

Company response to consumer: Closed with explanation