milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMCOL Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from AMCOL SYSTEMS INC. I had previously disputed this account. I have never done business with AMCOL SYSTEMS INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL SYSTEMS INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL SYSTEMS INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!

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 10/21/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problems caused by my funds being low

Complaint: I was stationed in XXXX XXXX with my family and Navy Federal froze our account for almost two month without telling us, when they finally released the hold on our account we were in serious debt. They were allowing all funds to be deposited but was n't allowing any funds to go out. When my Wife went into the Branch Office they told her that a third party requested a hold. She asked them why she was n't informed and she was told that they did n't have to. I called from the XXXX and was told the same thing. During the time our account was locked we accumulated a lot of late fees on all our bills. We were out of food at the house, the lights got cut off which lead to my Wife and kids depending on friends. It also lead to the borrowing of fund from our friends for gas money, food, health product etc. My XXXX was contacted constantly for non payment. We still have overdue bills that are outstanding because we were never able to catch them up due to all the late charges. We lost one Time Share Property due to this incident because we was never able to recover. My Wife developed XXXX and XXXX symptoms from all the stress this incident was causing which she is still suffering from and is currently on medication for. She was never able to go back to work which negatively impacted our finances, shifting our debt to income ratio in a way where we had more debt going out than income coming in. I was out to XXXX for two months with no money to buy the basic necessities need for XXXX life which affected my performance standards when it came to uniform and grooming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

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 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed an entry on credit report from XXXX, XXXX, XXXX. It came back verified. I then request the method of verification Transunion used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FCRA 611. I filed a CFPB complaint # XXXX ( copy attached ), in which they again ignored the request for method of verification, and merely re-forwarded the information to the furnisher. 

I have attached a copy of the results of the original dispute, dated XXXX/XXXX/16. I have also attached screenshots from credit reports on XXXX/XXXX/16 and today, XXXX/XXXX/16. There is no dispute comment on the tradeline I have disputed, in violation of FCRA 611.

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 03/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Following -up on case # XXXX which I disputed as follows : We have been going back and forth on the same issue : i.e. Ocwen does n't need to file a XXXX since there was no XXXX continuation ; however, Ocwen has been stating that did report the payoff to the county _ XXXX I know how did Ocwen did the reporting - letter, phone call, signs, announcements, etc ; whatever they did and in my estimate it could only be in writing therefore the need for a document - I request that Ocwen sends me a copy of 'the document ' they gave the county to report the pay off. 
With regard as your investor being XXXX XXXX, ( 1 ) please see your letter dated XXXX/XXXX/XXXX second page first paragraph in which you indicated that XXXX XXXX was the investor ; hence reason why you had shared related loan information with them. 
( 2 ) See my letter dated XXXX/XXXX/XXXX to XXXX XXXX who indicated that XXXX XXXX had assigned note to XXXX XXXX XXXX in XXXX ; hence reason for their filing of a XXXX which later got cleared. ( copies of UCCs attached ). 
( 2 ) How is it that XXXX XXXX who says assigned the loan to XXXX XXXX XXXX and files a XXXX in XXXX still owns the note with OCWEN servicing the loan on their behalf until XXXX and there is no UCC continuation ( by the way I never dealt nor did I know XXXX XXXX XXXX 's existence before XXXX when I close on another apartment ) and how is that Ocwen now has XXXX XXXX as the investor owner of the loan when you indicated that XXXX XXXX had assigned the loan to XXXX XXXX (? ) did XXXX XXXX assigned and the retrieved the assignments back and forth? 
( 3 ) With regard to late payments, my question was 'why did Ocwen held this loan in their collection unit ' when the loan as you pointed out had a minor late payment. ( which was, by the way, an error on Ocwen because I have never been late on paying this mortgage ). Please advise I also enclose copies of the XXXX originally filed by The XXXX XXXX Bank in XXXX which was cleared the same date. Your investor had taken over the note at the time but did n't file for a XXXX but decides to file XXXX in XXXX (? ) why I hope you understand my confusion and why your repeated same answers do not offer any clarification. Hopefully my questions are clearer and you can address them accordingly. I 'll be happy to clarify them for you should you need to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX at XXXX hrs I received a call stating I owed an amount on a XXXX which I know nothing about. I called XXXX and they had no knowledge of it. The number on a reverse look-up showed it to be convergent outsourcing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I AM FILING THIS COMPLAINT BECAUSE THE CREDIT BUREAU IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNT AND INQUIRIES UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. THE CREDIT BUREAU FAILED TO PROVIDE ME WITH A PROPER INVESTIGATION AS WELL AS PROVIDE ME PHYSICAL PROOF THAT THE ACCOUNT AND INQUIRIES DISPUTED WAS 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 explanation
Consumer complaint received 01/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone opened a Bank Of America credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Bank Of America promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, " According to our records, on XXXX/XXXX/XXXX Bank of America # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Bank of America was notified the account was deleted. However, on XXXX/XXXX/XXXX, Bank of America reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Bank of America refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe, I can not get my triple rewards points toward another hotel stay, and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point, it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX, not to mention a potential XXXX night ( {$300.00} ) with the XXXX earned for adding my fiance as an authorized user. Plus my plans are now changed because of not being able to book the hotel room at the price that was advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with Merchants and Medical Credit Corporation, Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.•	Repetitious  Phone calls –telephone records list 25 calls in the said time frame•	Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process)  and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment  stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”•	Failure to notify me of my right to receive verification of debt •	Failure to provide me  with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX•	Failure to inform me that I can dispute the debt •	Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX.  She did not provide the requested information to me.•	I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue.  I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit card () with DISCOVER BANK (NY).
Issue: APR or interest rate

Complaint: I asked my credit card provider to reduce my APR ( annual percentage rate ), since I feel it is too high even though I have been a good customer for more than a year. The provider refuses to reduce my APR, for the below reason : " Credit line decrease on your account within the past 4 months '' I have never had a credit line decrease in my lifetime of using credit cards ; in fact my credit line has only increased in the time frame mentioned. I have called the credit analysts who are supposed to be rectifying the problem numerous times, but the problem still persists after two whole months ( my first complaint was made in XXXX ). 

I have been told repeatedly that this is a technical issue and should be resolved in a few days, but it has taken a very long time and it still has n't been resolved, even though it is not my fault whatsoever. There is no reason for the bank to deny me an APR decrease even though my credit usage has been excellent ; I have not been given any other reason for the provider 's inaction apart from the one mentioned above, and the provider refuses to take action until this technical issue is resolved, which they neither resolve nor give a concrete timeline for. 

I feel that it is unfair of the provider to take advantage of me this way ; I have always made my credit card payments on time in full ( multiple payments a month ) ; I have been a good customer in good times ; I fear that if I fall on bad times, the provider is unwilling to have my back and fleece me in my time of need through ridiculously high APRs ( greater than 20 % ) which it refuses to decrease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: To Whom It May Concern at the CFPB : I am a Wells Fargo customer, and when I used a non-Wells Fargo ATM, I was charged something like {$3.00} to withdraw {$20.00}. I understood that I would be charged that amount and agreed to pay it even though I consider the amount of the fee an obscenity. 
When I received my next feed statement from Wells Fargo, I saw that Wells Fargo had charged me an additional {$2.00} to withdraw {$20.00} from a non-Wells Fargo ATM. 
I am writing to complain about the Wells Fargo fee, which I did not know about at the time I withdrew the money. Such a fee is gouging. 
Can your organization get Wells Fargo and other banks to stop such gouging?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a FHA loan and I called Wells Fargo to see if I qualified for the XXXX program and was told that I did n't because I did not have a XXXX or XXXX original loan. Also that I did n't get the loan before XXXX of XXXX. I have had this mortgage since XXXX XXXX. The last time I refinanced was in 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 01-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had XXXX XXXX investigated through Equifax credit reporting agency. After a 30 day investigation XXXX XXXX was deleted from my Equifax credit bureau report. I just checked my XXXX credit report today and Equifax is reporting XXXX XXXX on my Credit Bureau report again. 

New Accounts Reported Since your last update on XXXX XXXX, XXXX, XXXX accounts have been added to your credit report. 

AccountTypeDate OpenedCredit LimitBalanceReported XXXX XXXX XXXX XXXX XXXX, XXXX {$25000.00} $ 28,684EquifaxXXXX/XXXX XXXXCredit CardXXXX XXXX, XXXX $ XXXXEquifax

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.

Company response to consumer: Closed with non-monetary relief