milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon reviewing my personal credit report I noticed XXXX collections that I have no knowledge of. 
1.XXXX public library2. Unique Management services , inc. 
for the amount of $ XXXXThis debt is not mine.After finding this information I quickly called XXXX parties on the collection and told there must be some mistake. the collection is from overdue/lost books from the library in XXXX XXXX XXXX.I believe they have myself mixed up with my brother.We share the same XXXX and XXXX names aswell as the same XXXX initial of our middle names.I spoke with XXXX companies and seemed like all they wanted was money instead of finding out who when what and where.I explained to the library that they must have me mixed up with my brother and that I live halfway across the united states for years now and there was no way this could be me.I asked for proof of debt and was told that they only have a name and address on the account.I asked if they have a driver liscense to go along with the library issued card pertaining to the account and was told they do n't have that information just a age range XXXX ( perfectly fits my brothers age ) .I was told there was nothing they could do. 
I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 

the address they have on file for this account was my childhood home until I moved away, my brother of the same XXXX XXXX and middle initial name still lives there. 

for this debt to be mine is next to impossible.Please help and Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: In XX/XX/XXXX JCPenney credit card switched to JCPenney mastercard. During this switch I was notified I would be sent a new card which I was. Though the number and logo on the credit card were different all my account information was the same. On their website I still logged in under my old username and password. Even my bank information to make payments to them had been saved. Apparently the only thing that did n't get carried over when they made the switch was my enrollment in auto bill pay. I was never notified of this and assumed my monthly minimum payment would be deducted from my bank account as it always had for nearly two years. A few days after my payment to JCPenney mastercard was due I noticed no money was deducted from my bank account. I went online and noticed I was not enrolled anymore in auto bill pay! I called their XXXX number and resolved the {$25.00} late fee they had charged me. In XX/XX/XXXX I re enrolled in auto bill pay. XX/XX/XXXX auto bill pay again did not go through! When I called them again to find out why they explained that sometimes it can take a full billing cycle for the enrollment to go through. Though no one notified me of this previously. This time they denied my request to refund the {$35.00} late fee. At this time I closed my account with them and paid the late fee as well as the normal minimum payment. XX/XX/XXXX my minimum payment increased from {$25.00} to {$35.00} despite my total balance going down. 
I ca n't understand how I was enrolled in auto bill pay for two years then suddenly need to re enroll without any notification. I have never had a late payment with them before and I feel it was sneaky on their part and wonder how many other customers went through what I went through. I am upset that this will show up on my credit report as a late payment as well as having to pay the {$35.00} late fee. 
Interestingly enough XXXX also made the switch to XXXX slightly before this and yet I remained enrolled in auto bill pay with them. I am very upset with JCPenney and would like my late fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and Transunion. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.

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 01/14/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: chase has provided XXXX different responses to my escrow inquiry, I agree that there should be a shortage because taxes and insurance has increased, but not a shortage of XXXX dollars. Please advise what has happened to the XXXX dollar credit when was that applied to my account you mentioned that in your last letter. Please advise what happened to my payments that were held in suspense. Please advise if you added the Escrow payment amount into the trial payment calculation and then why did the payment change, and if you put the balance back into the loan. Why do I have to pay it over again. It appears that I 'm paying the you and taxes and insurance over again. I just want a final balance amount of what I owe so that every year there is n't an increase unless Taxes and insurance increase. I do n't have a problem with the increase in taxes and insurance ... that I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Purchased appliances from Home Depot purchasing appox {$5300.00} on XX/XX/2014. I qualified for a Home Depot credit card, which I used to purchase the appliances. Appliances were bought on a 24 month promotion, interest deferred@26.99 rate. Appliances were held at Home Depot warehouse until I was ready to start my kitchen project and I was unable to go forward with my kitchen project so asked them to return the appliances except for the dishwasher, to just deliver the dishwasher. Home Depot said they would apply it to my home depot credit card and it showed up on my home depot credit card statement as a payment of approx {$4700.00}, even though I never made a payment, but actually goods amounting to {$4700.00} were kept my Home Depot and not delivered. In my mind the promotional amount is now for just {$530.00}, the price of the dishwasher that was delivered to me. I also made XXXX separate purchases later on for approx {$230.00} and {$530.00} on my Home Depot credit card over the 24 month promotion period. Any payments I made were applied to the later purchases first and so the XXXX bal never got paid in time and they based the interest accrued on the original promotional amount of {$5300.00}, so I got stuck with a deferred interest charge of {$1100.00} for the purchase of a {$530.00} dishwasher. I contacted Home Depot credit services ( which I believe is actually Citibank ) and they said that it was reported incorrectly, that they can only go by the info they are given. When I spoke to a manager at the Home Depot store, I was told that I should have cancelled the whole order including the dishwasher and purchased a dishwasher on a new order from scratch. Of course I can not foresee how this is going to play out and believed that Home Depot is operating in my best interest. I opted not to have paper statements and when I went online I am seeing minimum payment due, a small balance, almost {$5000.00} available credit, so am in no way contemplating that I have all this interest accruing on what I consider an unrealistic, fictitious promotional amount of {$5300.00}, you do n't see if you are going online to make a payment. To apply the returned goods and show it as a payment of {$4700.00} is actually fraudulent because that did n't happen, I did n't make a payment, so they can not have their cake and eat 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 monetary relief
Consumer complaint received 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 'm only XXXX and never had an account in my name before and just found out that I have this collection on my report the do n't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I listed my Home for sale, and I was not I could not continue to make.I am a XXXX XXXX XXXX. I got a Buyer and we were in escrow to close the sale.XXXX XXXX would not work with me I got attorney to help me. We file a petition with the court and got a automatice stayon XXXX  XXXX,2011.I sold the property to Buyer, XXXX XXXX was paid in Full..
I did not have the funds to go forward with the automatic stay. We withraw the petition on and close the case in 11 days after we file the case was dismissed.and the case was dismiss on XXXX. XXXX, 2011.The case was dismiss in 20 days.no lender was effective by fhe filing, it was withdrawn in 20 days and should not been on my credit report.I am disputing this reporting Under the Fair Credit Reporting Act. The Bankruptcy should not be on my credit report. this loan is over 7 years, should be remove. from all XXXX credit agency.This Bankruptcy was with drawn and 11 days and should not been on my Credit files report. Please see the letter attached to this complaint from Attorney 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 non-monetary relief
Consumer complaint received 09/19/2016 about Credit card () with JPMORGAN CHASE & CO. (SD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The dispute have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which ca n't be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with Io, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe any medical bill in this amount, this is inaccurate. My health care insurance pays it. Inaccurate data disputed and never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with Law Office of Joe Pezzuto, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit line increase/decrease

Complaint: This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. See XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Alliance Data Card Services (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call leaving multiple messages saying they need to speak to someone that is not me. Saying it is urgent the person they need contact them about a matter before them. 
This is from XXXX XXXX Recovery Division. XXXX XXXX XXXX. I asked them to stop calling me because they have the wrong person. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I filed a dispute with Experian on XX/XX/XXXXregarding several inaccurate items on my credit report. One was a judgment entered in XXXX XXXX, NJ which was paid in full. They obviously did not investigate this item and left it unchanged on my report. Same with a car loan with XXXX. I have a payment plan in place with XXXX and I make monthly payments each month on time. Experian is still reporting it as written off and still showing the original balance. Three other small credit cards also were paid in full in XXXX, XXXX and XXXX of this year. I disputed all 4 as they have a XXXX balance, Experian is still showing the balances as written off. A collection account with XXXX resulted from a dispute with XXXX XXXX in XX/XX/XXXX over a termination fee when I switched carriers. This account is too old, should be deleted and has been from my other reports. Experian did nothing to update my report at all during its dispute investigation. I tried to refile my disputes and upload documents and their website is completely ineffective. It gives error after error despite the fact that my documents meet their size and file type criteria. It also would not allow me to restate my disputes for the accounts still showing inaccurate information, therefore, it is purposely reporting incorrect information damaging my credit.

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 07-06-2016 about Debt collection (Medical) with Asset Recovery Group, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.

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