milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Checking account) with Signature Bank (NY) (NY).
Issue: Deposits and withdrawals

Complaint: Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, 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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( US BKPT CT FLORIDA XXXX XXXX ), ( US DISTRICT COURT ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( 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, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). ALL FRAUDULENT INQUIRIES

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 01/27/2017 about Mortgage (Home equity loan or line of credit) with PHH Mortgage Services Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Consumer Loan (Installment loan) with Express Cash Mart Management (IL).
Issue: Problems when you are unable to pay

Complaint: I started with an installment loan of {$200.00}. I have been paying on the loan since XXXX. It has noe accumulated to over {$600.00}, and the company assigning my wages. I never saw a court order and sent a letter by certified mail to stop the assignment. How long can they collect? Will the letter stop the wage assignment?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX bill payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( Biller will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX on XX/XX/XXXX @ XXXX 71 minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX , NY Male from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone 43 minutes being transferred back and forward Payment directly debt from XXXX account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX XXXX. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/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 03/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Other fee

Complaint: Applied and received the American Express Blue Cash Preferred Card. Amex charged me the annual fee of {$75.00} upfront on XXXX/XXXX/15. I read and re-read the terms and conditions before applying and thought they would charge me the fee after a year using the card. Why would you pay for services you have n't even received? It did n't make sense. 

I again re-read the TOC and it never states when the fee would be charged. When I contacted them about this they repeatedly told me it was in their disclosures that they charge this fee in the first month. I asked where and spent a few hours with Amex reps falsely explaining that it says that the annual fee was due the first month. 

After considerable time, they finally agreed with me that the TOC do n't state when the annual fee gets charged but would n't negotiate on refunding or changing the timing. Eventually, I paid the fee. After a while, I cancelled the card and hope it did n't hurt my credit by closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I have a credit account through Sears. It has been open since XXXX. Approximately XXXX XXXX, while paying, Sears retail clerk prompted me of an opportunity to enhance my Sears credit through the addition of a Master Card. at the point of that register, through the process of applying to the added credit account that I discovered the store had my incorrect address. I updated the address at the register, and agreed to new account and made a purchase that day. 

In XXXX XXXX, I was forwarded mail sent to my incorrect address, my former address. I paid that bill and opened an online service account so as to stay on top of the tracking- I then updated my address. In XXXX XXXX, I received a notice from credit bureau ( XXXX ) survey account stating that there was a change in my credit report. It pointed out the Sears card. I then promptly attempted to sign in to investigate the account. 
As I attempted to sign in, the Sears online system did not recognize my email stating that my email was not registered. After multiple attempts with multiple user names and passwords, I promptly called Sears to investigate on XXXX/XXXX/XXXX. The Sears clerk told me that he saw that I was registered through the Sears online system, but not through the Sears Credit card online system. In essence, the online banking system for the Sears card that I have held since XXXX, and the new Sears Credit opened in XXXX XXXX are not linked, correlated, or connected in anyway. XXXX, therefore, must have made XXXX separate online accounts. This added step and process was no where disclosed anywhere by the company nor its affiliates. 

The multi step online registrations requiring XXXX user names and such are not disclosed and creates ambiguity and confusion on behalf of the consumer that can have serious ramifications. I think that this is capricious and not fair to the consumers, and now my credit score has been dropped by these discrepancies. 

In the meantime, I have paid all bills in full, but seek remedy for the XXXX notes added to credit score affiliated with the Sears credit card online system.

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 01/22/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX was charged to the XXXX XXXX XXXX store credited card on XX/XX/XXXX for an online order at XXXX XXXX XXXX. The order was never delivered and I called back to XXXX XXXX XXXX. And XXXX XXXX XXXX said the refund will be issued within 2-3 business days. That was XX/XX/XXXX. I also called on XX/XX/XXXX to the customer service at XXXX XXXX XXXX credit card for a dispute. I have not seen a refund or hear anything from XXXX XXXX XXXX credit card back about the disputes. I feel XXXX XXXX XXXX scammed me with the credit card company, and I would never get back the {$1700.00} back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Liberty Credit Services, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Liberty Credit Services has attempted to garnish XXXX different bank accounts of mine on a debt that is past the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: I have dispute d my Capital One ac count many times and as of today 's date they are still reporting beyond the 7 years from the first date of delinquency. I called and the said they will continue to report this item for 10 years. I contacted the credit bureaus and said it 7years. I have requested payment history but they have not been able to produce it. This account was opened in  XXXX  and has had missed payments starting in  XXXX   XXXX . I was able to obtain this information from their collections team. I am requesting this account be deleted from from Experian credit file per FCRA rules. Per   XXXX    website Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (I do not know) with FORD MOTOR CREDIT CO. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My husband and I purchase a vehicle finance by Ford Motor Credit in XX/XX/XXXX the vehicle was repossessed by Ford in XX/XX/XXXX for non payment at the time my daughter was ill and because of the care and treatment for her we were not able to meet our obligations for paying the vehicle on time as such we fell behind on payments and the vehicle was taken we were not able to meet the back payment to get the vehicle back the vehicle was sold for {$6000.00} at the time we were balance on the loan XXXX. Ford sent a letter to collect the balance of over {$6000.00} which we were not able to pay. The account was taken over to collection agency which filed a judgement against us in XX/XX/XXXX the first judgement lasted 10 yrs and was again renewed for another 10yrs in XX/XX/XXXX, as a result of the judgement and the repossession we have been unable to finance anything on credit at normal interest rate we have since been able to finance vehicle at buy here pay here and the interest rate as high as 30 percent. We have suffered the shame of having the vehicle repossessed and our credit ruined for the last 11 years. This past week we receive a execution order from our local sherif office to seize our assets when I contacted the office I was advice t make arrangement can be make payment on the debt my husband and I are unable to take on any more expenses we are still recovering from debt of hospitalization of my daughter, my husband loosing his job in XX/XX/XXXX I do n't understand how Ford Motor Company was provided federal bail out at the financial crisis but someone like my husband and I can not be forgiven for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Savings account) with TCF NATIONAL BANK (CO).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I 'm only aware that my TCF Bank account is " Closed '' because I stumbled across it online and pursued further explanation. <P/>I spoke to customer service and confirmed my savings balance. I was also told that my account was " Closed '' at this time because without a transaction in 12 months, an account with TCF is " dormant ''  and a transaction can not be completed online. Further, I was told that an account is deemed un-owned and the funds seized to the state at 24 months without a transaction. <P/>This account was sold to me as ideal for my goal : saving for emergencies, along with earning monthly interest. Thus, the goal = no transactions. <P/>So in addition to this not being disclosed upon opening the account nor outlined in policies, I have received not one notification about my account 's " Closed '' status - and the potential risk. I receive monthly hard-copy statements at my home address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: I made a purchase using my Citibank card to purchase an evaluation ( 14 days ) product at a price of {$4.00} ( used internet ). The web site stated I could cancel at any time. I then seen a additional charge was added for {$89.00} ( XXXX ). I called their number as listed in the terms agreement but only got a looping message. I then learned that this was a scam. I filed a dispute with Citibank. They gave me credit then reversed shortly after. Citibank sent me a copy of the terms agreement sent by XXXX. I sent a copy of the terms agreement as stated on the web site ( plus provided Citi with the web link. ) Citibank excepted this false terms and agreement and nere told me of their finding. I should also point out that the dispute was issued XX/XX/2016. When I checked the charge date on my bank statement it listed XXXX different dates XX/XX/XXXX and XX/XX/XXXX. I looked back at two month statements and XXXX % of my charges only had one. I have asked Citybank now 4 times to explain why XXXX % past charges had only XXXX date and the {$4.00} charge for XXXX had XXXX dates. This is imporant since they are claiming 14 day notice was not met. Citibank never answered the question even after asking 4 times. I would also like to point that in the letters I did receive from Citibank they listed all XXXX numbers of my account ( not just the last XXXX numbers ). This is shown twice in their letters. Once I saw this I blocked my account. When it was done again I canceled my account.

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 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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 XX/XX/17 I received an email notification from Capital One confirming if a XXXX purchase on a credit card was valid.  I asked my husband about this since it is his credit card and he then realized that he lost his wallet.  I then called Capital one immediately and told them that the credit card was lost.  I check another credit card and that also had a XXXX charge of over $1000.00 on it and called XXXX XXXX and told them about it.  I also called XXXX XXXX and XXXX XXXX to notify them of it.  No charges were on those two.  Only unauthorized charges were on the Capital One and XXXX XXXX.  Capital one put a hold on the charges back inXX/XX/XXXX and reverse the charges.  I received two letters dated XX/XX/17 on XX/XX/17 from Capital One stating that they did not find any indications of fraud and it now charging us the XXXX that wants us to pay for it.  I called on XX/XX/17 and spoke with someone from Fraud department and they said that only the person who handles the case can re-open it.  I left a voicemail message on XX/XX/17 and was told I would get a call back in 2 working dates.  As of today XX/XX/17 I have not received a call and call back and left another voice mail message and hope that they would call me back.  I am filing a complaint now so that someone can help me out. The Fraud person I spoke to on XX/XX/17 stated that it could not be a fraud because the credit card machine was a chip card and it could not have been a counterfeid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ARC Management Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Credit Karma, Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Back in XX/XX/XXXX a number of accounts were deleted from my reports per Credit Karma and replaced back on. With this happenng my scores down over XXXX points.

Company response to consumer: Closed with explanation