milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Debt collection (I do not know) with Couch Conville & Blitt LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Got a letter in the mail today ... dated XXXX XXXX from these ppl! It says its an attempt to collect a debt! Doesnt show who they are representing for the debt, etc! Just says ... XXXX XXXX XXXX, XXXX and thr amount of {$1600.00}! I called to see how I owe and left aphone number and name about XXXX oclock today! No answer! Could be a scam ... ..Im XXXX with XXXX XXXX XXXX and have had a XXXX XXXX in XXXX! If this isss due to a bill from Fla ... it doesnt state it and I was fully covered with XXXX! ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.

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 04/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX my brother and I purchased a car which we financed through XXXX XXXX. The loan is in both our names and reports on both of our credit reports. Sometime between XX/XX/XXXX and XX/XX/XXXX, we were the victims of identity theft and embezzlement which resulted in our sustaining a major financial loss but also some of our bills not being paid as a result of the person embezzling our funds was not paying our bills. It came to our attention that in order to succeed in this scheme to defraud, the person in question caused to be faxed and or mailed various documents to creditors such as Chrysler Financial which was supposed to give them permission to speak with this person and to make any changes on our account. Chrysler without any care or due diligence accepted letters from this person as well as telephone calls where he said he was us and further made changes to the account resulting in not only the account not being paid but in my brother and me not being notified about any delinquency on the account. This went on for a long time and it was only because we were notified by a family friend at Chrysler that the car was on the verge of being repossessed that we were able to take immediate steps to save the situation. We have registered complaints with the executive office of Chrysler to no avail. We have been able to catch up on the payments and by XX/XX/XXXX will have finally caught up. Given the circumstances, we have petitioned Chrysler on numerous occasions to adjust, amend or otherwise roll back the negative information being reported by them on our credit reports. It is axiomatic to say that had Chrysler not breached our privacy by allowing unchallenged information and records to be changed we would have been alerted to the fact that our account was behind. I view Chrysler complicit in this matter and liable to us for their negligence. Their reporting has ruined our credit and it is worth noting that each and every other creditor similarly positioned went back and adjusted their credit reporting as a courtesy for their failure to engage in due diligence and what has happened to us. A review of our credit will indicate that some of our bills were not paid during this period but most were. We have previously supplied information to the Chrysler Financial executive office however they have ignored us to date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: I enrolled in a service called   XXXX   XXXX   which is a payday loan service. The problem that I am having is that they partner with my bank but my bank sometimes partners with them and sometimes they do n't. For example I was able to enroll my bank with this service but then in the middle of the service my bank is no longer a partner with them and then I am unable to use active hours. The bank that I use is the North Carolina State Employees Credit Union. This when this happens it puts me in debt with the company   XXXX   XXXX   because they are no longer able to connect to my bank to withdraw funds owed to them or deposit funds I make request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX  of  XXXX  I renegotiated my rate in the rate reduction department of Navient. I have been in this program for few years now and each year I renew the terms. For the year beginning in  XXXX  of  XXXX  I agreed to pay {$440.00} on the  XXXX  of each month until  XXXX   XXXX . My fixed interest rate for that time period would be 3.5 % for  3  of my  4  loans with the company while my  4th  student loan would not be included. Earlier this month I logged on to my account to make sure that everything had been update with a 3.5 % interest rate. The 3 loans have not been. Instead my loans show variable interest rates of 2237 Signature Student Current Balance {$16000.00} Interest Rate 4.250 % 2245 Signature Student Current Balance {$20000.00} Interest Rate 8.250 % Current Balance {$26000.00} Interest Rate 14.750 % When I called into the rate reduction program ( after being bounced around other departmen t 4  or 5 times even though I expressed to the operators that I needed to speak with someone from the rate reduction program department ) I was told that due to a failure on their end my application was stuck in the review process for longer than intended. During this time Navient still took out of my checking account the amount of money we agreed upon in  XXXX . I was also told that if I logged back on to my Navient account after  XXXX   XXXX  I would see that all of my information would be updated to the correct amount. I just logged on today   XX/XX/XXXX   and the rates have not changed.  <P/> My concern is that my total balance will go up higher than it should because of the incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Calling my employer after I specifically stated never to call me at work again. Collector is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with Aldridge Pite Haan, LLP (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: ALDRIDGE P. HAAN, LLP SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Vehicle loan or lease (Loan) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I took out a loan with Prestige Financial years ago for XXXX, as of today, I still owe {$8000.00} I have paid over {$20000.00}. I can not trade it in, nor is the value of the car worth what is owed. They have processed payments without my approval. When I confronted them, they said there is nothing they can do. I 'm done with the harassment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Payday loan () with ACE CASH EXPRESS, INC. (RI).
Issue: Can't contact lender

Complaint: XXXX XXXX using ace payday loan as their own name to collect funds not owed to them. Ace was not aware of them using their name. I asked consumer financial to stop calling me but they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (I do not know) with American Recovery Service Incorporated (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Multiple calls to my business and mailing to my residence from ARSI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, for a debt pertaining to a XXXX XXXX XXXX. He does not and never has worked or lived with me at this residence. I have a different middle initial. I have told the company multiple times it is not me. They have the wrong person. It was attached to my credit rating which I had to rectify with the respective credit reporting agencies. They continue to call, harass and mail me.

Company response to consumer: Closed
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MI).
Issue: Settlement process and costs

Complaint: After much time spent with this company on the phone and e mails, trying to force me to borrow more than I wanted too, we finally came to an agreement on a mortgage. At this time a closing was scheduled and kept on XXXX/XXXX/2017. 10 days after closing they called me and said they never received the mortgage papers and did not know where they were or what happened to them. At this time I did what I could to protect myself and stopped payment on the check I had gave to the person they hired to do the closing. Since this time they have continued to call me numerous times per day trying to force me to continue with the mortgage. This has been going on for over week now to the point of harassment. Now tonight XXXX/XXXX/2017 the escrow company called and informed me they went ahead and deposited the check any way knowing I did not want to do business with them or loan depot. This has got to be the most devious and unprofessional business practice ever perpetrated against someone. I hope this information is published so others will not have to go through the deception, harassment, and devious games this company plays.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Eight years ago, Wells Fargo tricked us into an account which charged us {$30.00} a month. I spent over 7 years trying to get Wells Fargo to switch the account. They refused. Finally, when the President of Wells Fargo was called before Congress, I tried again. They were suddenly willing to change it. A month later, I went on line to see something in my statements. I was not able to access my statements. I called to find out what was going on. I spoke to people in the executive office. At that time, Wells Fargo stated they had removed my access to my statements because I had changed my account. I pointed out that they are supposed to provide my statements, but they were not interested. Since they had taken this action, I pointed out they had forced me to stay in that account against my wishes and asked that they return the money ( {$30.00} a month for 8 years ). This was obviously a mistake. It started a vendetta against me. Immediately afterward, I was blocked from getting copies of cancelled checks. Then they cancelled one of our debit cards. I wrote a letter to the new President of Wells Fargo hoping to get some help with these hostile actions. I received a letter saying it had been received, but I never got another response. However, in response to the letter, the people in the executive office blocked me from transferring money between our accounts. Began charging fees on other accounts without reason, and then cancelled our other debit card. Each time they did one of these actions, I would call them to ask what they were doing. Each time I called, they responded with open hostility. They just sent me a letter saying they were going to close my kids ' college accounts. These people in the executive office are completely out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying to get Asset Acceptance Corporation to remove a collection item on my account. I did not open any accounts during XX/XX/XXXX-XX/XX/XXXX and they have a collection item on my account stating that the account was open XX/XX/XXXX but my XXXX delinquency was XX/XX/XXXX ... that is clearly impossible. I have sent them numerous letters to them and have even requested validation and removal from my credit report, I ca n't seem to get any answers but yet they have not removed it. 
It is my suspicion that this account has been re-aged, I am sure it is a mistake but I would like it resolved as soon as possible. This is the only negative item on my credit report and the debt does n't seem to have any validity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Zenith Financial Network Inc (CO).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 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: Public record information inaccurate

Complaint: I filed a bankruptcy back in 2012, but according to the New law that took effect in XXXX they should be taken of because of missing pertinent information. My public records need to get removed because of this new law.

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 07/20/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Late fee

Complaint: Credit card statement with due date of XXXX showed purchase made XXXX in the amount of {$33.00}. I returned some items XXXX XXXX and made a payment of the amount which was still due on XXXX XXXX 
The problem is that next month, First Bank charged me a late fee of {$25.00} and minimum interest charge of {$1.00} in spite of the fact that there was no past due obligation. When I called First Bank, I was told that the credit for my return did not actually remove my obligation for payment - that their computer system would not deduct returns from the current billing cycle. 
First Bank removed the " late '' fees when I called, but warned me that I was in danger of ruining my credit score unless I was " very '' careful. I resent that. I was told that I should have sent payment in full even though I had returned the item. I could not argue that this might be necessary if the return was made in another billing cycle, but it does n't make sense when the entire transaction takes place within the same billing cycle.. Once the store accepts the return and processes my credit, I should no longer have an obligation. 
I am making this compliant about First Bank because I feel that this policy is unfair to consumers, and sneaky. They hope to get use of money which has been credited back to me, and in addition, they try to impose fees which are patently ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Unique Management Services, Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.

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 04-01-2018 about Debt collection (Mortgage debt) with UNITED BANKSHARES, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX XXXX, a franchise of the Bankshares , Inc., is my mortgage servicer from XX/XX/XXXX.  After 12 years of impeccable service, in XX/XX/XXXX, the Bank transferred my account to the newly formed XXXX XXXX XXXX in XXXX XXXX, MD, and the problems occurred with the new office manager who was not fit for this position. When he was caught in wrongly advising the customer about options for the loan modification, he did not admit the error but started to manipulate customer 's mortgage account in order to produce a virtual delinquency and to punish him for his grievance protecting his rights. As a manager of the XXXX XXXX XXXX he had the opportunity, wish and the bank " power '' to start the foreclosure proceedings which failed in XX/XX/XXXX. Because of this failure, later in XX/XX/XXXX, he hired a law firm which had experience in debt collections, appointed them as " substitute trustees '' to avoid the responsibility under FDCPA, provided them with his fabricated affidavits, and finally succeeded to manipulate the Court to allow him to sale the extorted prpperty for {$50000.00} above the the purchasing cost which equalled the mortgage debt. Nice profit from wrongdoing. Is it allowable? 
I admire the United Bankshares , Inc, Code for Conduct and Ethics, and I wish that they will insist their franchise, the XXXX XXXX in MD/VA to comply with this code. If this happens, the most of the problems in this complaint will be solved automatically.

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