milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Miller Davis & Peoples (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A " Law Firm '' named XXXX has called me XXXX in XXXX minutes leaving multiple messages stating that I will be taken to court if i do not call them back today. The number was XXXX and the messages were left by XXXX XXXX. I called back, no mini miranda, no verification of who I was ... she alleged that I owe money to a company for a magazine subscription which is 100 % not true. She threatened that I am being taken to court and read me the last XXXX of my social security number. As a former collector, I know that if this is not a scam, which it totally is, this agency has violated the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On approximately    XXXX   XXXX     2017 I mad e the required payment and extra. On   XXXX   XXXX    2017 I  made another payment for    XXXX   XXXX     2017, it w as applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about   XXXX   's payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On    XXXX   XXXX     2017 I reve iwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for  sixty  days. I called the company again and the representative hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter in the mail fr om ARA Inc. trying  to collect almost {$3000.00} that was originally owed to  XXXX   XXXX . But, I have never had an account with  XXXX   XXXX .     I called the  ARA  on  XXXX / XXXX /  XXXX   trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity.     They eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 1. XXXX XXXX should be remove - two of them 2. too many multiple addresses on the report - keep only XXXX address 3. three capital one = already been paid in full status - please remove them on this report 4. XXXX XXXX - THIS HAS BEEN PAID OFF. why still showing open?? 
overdraft? 
- currently, i have my checking and saving account with XXXX XXXX ... .. 
please remove them my cell # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On Thursday XX/XX/XXXX I logged into my Capital One credit accounts and noticed one of my accounts was closed. When I contacted Customer Service to inquire why this had taken place I was told that it was due to inactivity. I became very upset especially since this happened to be the oldest credit card I had and closing it would certainly have impact on my credit score.  I was then transferred to a supervisor who essentially repeated the same information. 
Of course I asked if it was possible to re-open the account and I indicated that I would certainly use it but I was told that this was not possible. 

I found this action to be extremely unprofessional especially given the fact that I have another credit account with Capital One for {$30000.00} which I use very frequently without a single missed payment. So I couldn't understand why they would close this smaller account with a significantly smaller limit of {$2000.00} and without providing any notice that this was going to take place. It became very obvious after speaking with the supervisor that this was an automatic action that takes place if a card is inactive for a certain # of months. I'm sure this automated action may seem reasonable to whomever devised this system but to not take into consideration the standing of other active accounts or consider the age of the account being closed and how it might impact a clients credit score without any notice is a perfect example of failing to provide basic Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Mu ltiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,  2017. T he request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states th at any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 07-05-2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (TX).
Issue: Trouble during payment process

Complaint: Projected County Tax Due : Current year - {$5400.00} Prior Year - {$6000.00} On at least two occasions ( XXXX XXXX ; XXXX XXXX ), I spoke to Money Source and indicated to them that the estimated county taxes for the account were incorrect. The county had reduced the estimated taxes based on my homestead exemption. This exemption was not available to me at closing because I had not owned/lived in the property for a whole year. The adjustment to the county taxes after the first year of ownership is not unusual, because of the change in ownership. Money Source based their estimation on the prior years taxes ; on the ownership/residency status of the prior owner. I provided Money Source with an estimated tax bill from my county appraisal district. Money Source called my countys appraisal district prior to XXXX XXXX and the county confirmed that the estimate taxes had been adjusted based on my homestead exemption. On XXXX XXXX, I again spoke to Money Source and requested the adjustment in the estimated taxes. While on the phone with Money Source, we visited my county appraisal districts website and confirmed the reduction in the estimated taxes. Money Source said that they could not reduce the escrow payment to reflect the reduced county taxes. <P/>Underestimating the Escrow Account Balance : In correlation with overestimating the county taxes on the escrow account, Money Source is underestimating the projected escrow balance. Together, this in turn produces a shortage that is high and artificial. Since the establishment of the escrow account, I have paid {$10000.00} into the account. Out of this amount, {$7900.00} was paid for taxes and insurance, leaving a balance of {$2100.00}. By Money Sources own account, the balance in the escrow account is {$2300.00}. To supposedly meet projected payments, Money Source raised the escrow payment from {$510.00} to {$760.00} for XXXX thru XXXX, 2017. On XXXX XXXX, it is projected to be raised to {$840.00}. This represents a 63 % rise in the monthly escrow, even though the account has never had a zero balance. The only shortage has been in the cushion. The new escrow rate of {$840.00} will aggregate to {$10000.00} over a twelve-month period. This represents an overage of {$1500.00} over that time period. The account should only accrue {$8500.00} ( {$5400.00} for taxes ; {$1900.00} for insurance ; {$1200.00} for escrow cushion ) over a 12-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report has a debt from XXXX XXXX from XX/XX/XXXX. I have not been a customer of theirs since XX/XX/XXXX, and I am not sure why they effect my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Balance transfer

Complaint: They put a unauthorized charge of {$590.00} for a balance transfer on XXXX/XXXX/2016. 
The bank that they claim they paid has not been credited to my other account.. 
I requested on XXXX/XXXX/2016 that a balance transfer of {$620.00} be canceled. 
I have had a extra XXXX charged on my account with nothing to show for it while being billed for interest on the same money they say they paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with The CMI Group, Inc. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call from XXXX. If you call this number the message states you are calling credit management. I do not know what this call could be regarding. The person that called me, the person that answered when I called back, and the manager refused to identity who they were calling on behalf of unless I gave them my personal information. I do n't know if this is a scam what the call was regarding. When I refused to provide my personal information they would disclose nothing to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried seven times to log into the equifax.com website to put a freeze on my credit report. I started trying last Thursday ( XX/XX/XXXX ) and tried on Friday and again this morning ( XX/XX/XXXX ).

Each time, I filled out the required form in step one, but when I hit enter, there is an error ( after waiting for about a minute ) that says " We are currently unable to service your request. 
Please try again later. '' Then I tried to call their customer support to have them do it over the phone. When I click on the " Customer Support Center '' tab on the website, I get the following error on the website it goes to : " Error 500 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I I have completed the freeze on the other two credit reporting agency website. Unfortunately, the one agency I am most worried about ( namely Equifax ) I can not freeze my credit. I am VERY upset and worried about this situation. I feel that my financial stability it at risk because their website and phone lines are not available for this critical service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 

YOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: I am closing on the sale of my home on XXXX XXXX, 2015. I have an FHA mortgage with JP Morgan Chase. I have been told that I will have to pay interest for the entire month of XXXX even though I am paying off the loan before the end of the month. This amounts to approximately {$490.00} in interest I am being charged for absolutely no reason. They are also charging me an entire month 's worth of mortgage insurance as a result of this practice, which equates to an additional {$110.00}. New rules are in place prohibiting this practice for loans originated after XXXX XXXX, 2015 ; however, JP Morgan Chase is CHOOSING to continue to charge this excess interest to borrowers with older loans despite the fact that it is unfair and harmful. The lenders should not be permitted to engage in this type of conduct simply because some fine print buried in the contracts permits this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian.com 's main website banner offer 's a {$1.00} credit report when clicked takes you directly to a page to fill out the form. No where on the banner does it state that you are agreeing to JOIN a recurring membership based website. No where in the process is there a field to opt out of this supposed membership. 

I got a {$1.00} credit report on XXXX XXXX, 2016. I cancelled the credit card I used to purchase the report. The only notice I ever received from Experian was an email requesting I log in and give them my new credit card. I never did because I did not and was not interested in any further offers from their company. 

Today Experian put the charge through on my new credit card, a number I never gave them I never put in their website nor did I ever agree to pay anything with. 

I called Experian immediately when the charge was processed on my new credit card and asked why. The representative on the phone told me he could not help me unless I gave him my credit card number, the new credit card, I absolutely refused to do that and I argued with him until he agreed to find me by my social. 

It is obvious to me that Experian was attempting to get my new credit card number to weaken my ability to dispute the charges. 

Having text below a banner on a website does not tie the advertising banner together with the offer. Then when calling to complain the company tries to strong arm me to hand over my new credit card information because they don ' t have it and they know they do n't have it which further shows I had absolutely no intention of doing business with them nor do I ever intend to again.

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 11/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Deposits and withdrawals

Complaint: I have chase for a checking and amazon refunded me {$56.00} towards my checking account and chase failed to apply that {$56.00} towards the remaining balance and I gave them 48 hours to fix it they failed to meet the deadline my balance should be. {$85.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Chase calls me 15 to 20 times a day. They use different numbers. Sometimes they use a local number. My phone blocks them all but they still get through to my voice mail. They just wo n't stop even though I have demanded they do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I purchased an appliance from Best Buy and used their offer of charging the purchase on my Citibank Best Buy credit card which offered no interest for 18 months. I waited for my bill to arrive and had budgeted the money to pay the bill. No bill arrived when expected, so I thought that it was simply delayed in the bureaucratic pipeline. I contacted them after realizing that it had been much longer than reasonable to receive the bill. They charged that I had requested a paperless billing and that the bills had been sent. I may have made the request, but I had received no bills, paperless or otherwise, and no phone calls either. I initiated the contact and discovered that my {$680.00} purchase was now a {$740.00} charge due to late fees. I XXXX, so I am confident that if any emails had been sent, even if they arrived in my spam folder, that I would have gotten them. I believe that it is possible that the creditor is making a practice of not supplying the proper statements to the consumer on time so that they can collect fees in lieu of the promised interest-free charge. I believe that there is an element of fraud in this practice. Any creditor would notify a consumer by phone if they were not receiving payment for a period of two months! I had no phone calls from Citi Best Buy MasterCard concerning any matter, least of all an account that is 2 months in arrears! I might have gone on accumulating late fees if my wife had not asked me about the account. I went online and registered the card account and found what they were charging me and of their claim about paperless statements being sent. The person with whom I communicated, XXXX XXXX, said that she could not ( or would not! ) deduct the late fees until I paid the bill : and she would only credit half the fees, not all of them. I paid the account in full that very day, including the disputed fees and requested the account be closed. My credit history is a tribute to my ability to pay ALL my bills on time. It seems to me that a creditor 's ability to collect late fees on an interest-free credit agreement is a great impetus to make sure the consumer does not receive the billings on time. How long would they have waited to contact be because the account had gone unpaid? As it is, I paid an extra {$62.00} for the interest-free purchase. Maybe that is a small price to pay to learn about the credit practices of this company. How many others have been, and will be, defrauded by this practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief