milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never opened an account with XXXX or Credit Control. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called Credit Control , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to Credit Control to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern my name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX mailing address : XXXX XXXX XXXX XXXX, LA XXXX SSN XXXX last year i 'd opened Capital One credit card with {$300.00} credit line, i 've have n't got the bill statement in XXXX3 months, then my house got flood in XXXX 2016, a month later they contact me and told me that i was late XXXX my bill, i 'd told them that i 'd never got the bill statement from them, how could i make a payment, they told me just pay over the phone, i said i had to see the paper statement what they charge on the bill is correct or not, finally they sent me the bill statement with the amount more than {$300.00}, after fighting with them about something wrong in the statement, i had to pay them off, and closed my account. 
lately i found out that they report to the credit report bureau that i was late on my payment. That 's absolutely not right, they 'd played game on me, how did i ruins my credit score with just a credit line {$300.00}? i tried to contact them to dispute this issue, they said they did n't know about this. 
i would like you to help me to clear this problem, my house was flood, i am still homeless now, we 've had enough suffer, could n't stand anymore like this Thank you so much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Account opening, closing, or management

Complaint: chex systems reports that i have deliquent bank accounts. I filled bankruptcy XXXX chapter XXXX included all bank accounts. now im on my feet and cant open an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with American Acceptance Co., LLC (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: In early XX/XX/XXXX I began the process to refinance my home. The plan for the refi was to pay off some loans that were still active include a loan with XXXX XXXX XXXX or ( XXXX ). I missed two months of payments or around XXXX $ each. XXXX stated I could defer payments if I gave them XXXX $ in XX/XX/XXXX that amount was satisfied and the contract was sent for me to sign for the deferment. Almost a week later first or second week of XX/XX/XXXX I found put during a conference call wo th my loan officer XXXX XXXX at XXXX XXXX that XXXX did not show the deferment on my credit statement when I called them they stated that the contract needed to be wet signed. XXXX failed to ever contact me to advise me that the contract was approved or disapproved. Then a week or two later in XX/XX/XXXX my credit checker for the refi called XXXX with myself on a conference call to obtain a payoff amount I do n't have the exact amount available to me but it was XXXX and some change the check for that money was sent to XXXX one week before the XX/XX/XXXX. When I contacted XXXX today the XX/XX/XXXX the business informed me that there was a fee even though we obtained a payoff amount. The fee was XXXX $ the business failed to inform me that there was a fee and failed to provide that information when asked for the payoff amount. I believe XXXX 's intent was to extort me out of more money upon them receiving a large payoff amount for the loan. XXXX also said that it would take longer if I did not pay them the XXXX $ to investigate the issue.

Company response to consumer: Untimely response
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are credit card in my name I have no idea about

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a service connected, XXXX XXXX XXXX XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the XXXX XXXX XXXX has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Focus Holding Company (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: constant calling about a debt that 's not identified whether by mail or phone call

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Payday loan) with NAM National Arbitration and Mediation (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Hi, I submitted a complaint on XXXX XXXX, 2016. The case number is : XXXX. Today I received another call from the same person, XXXX XXXX, stating he worked with XXXX XXXX XXXX ( which does n't exist as a debt collection company ). He again threatened my husband to show up at my house and his place of employment with the sheriff. He again stated that he had summons to serve and if he did n't receive a stand down order my husband would face penalties. Once again, he did n't acknowledge that he was a debt collector. He did not leave the name of the company he supposedly represents. The company name is XXXX XXXX XXXX Services. I 've already asked them to stop calling my number. They still keep calling. The last time they threatened to show up, they never came. We 've never received anything in the mail from them and we do n't even know what they are trying to collect for. I just want it to stop.

Company response to consumer: Untimely response
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with DISCOVER BANK (VA).
Issue: Payoff process

Complaint: Discover Financial Services, through its Discover Card credit card, is taking consumers that carry a revolving debt to the cleaners. When a consumer is granted a lower interest rate, that rate does not apply to the current balance but only to future balances. Then to further insure that they continue to pick the pockets of the consumer in the form of interest charges, future payments made by the consumers are applied to the newest debt at the lower interest rate first. This allows the old debt to continue accruing interest charges at the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Trident Asset Management requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with nothing which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Transaction issue

Complaint: An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse 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 explanation
Consumer complaint received 11-12-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: My bank, BBVA Compass, does not have fees associated with ATM usage. However, I was charged fees from BBVA in addition to the fees applied to the amount I withdrew from non-BBVA ATM 's. XXXX fee reads " USAGE ATM FEE '' and the other reads " SURCHARGE FEE ''. The dates and amounts are : XXXX - Surcharge {$3.00}, Usage {$2.00} XXXX - Surcharge {$6.00}, Usage {$2.00} XXXX - Surcharge {$2.00}, Usage {$2.00} ATM withdraws with my other bank, XXXX XXXX, does not have fees applied on the same ATM 's. I called BBVA Compass to request a reversal and a stop to these charges, but I was told to call back. 

The BBVA Compass website reads the following in regards to ATM fees : " BBVA Compass customers can withdraw cash with their BBVA Compass Debit Card or ATM Card without a fee at nearly XXXX BBVA Compass XXXX in the United States. Withdrawals, deposits, transfers, and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please see your applicable account disclosure for additional information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Trouble during payment process

Complaint: I was charged more than the original loan amount by XXXX, loan # XXXX. The payment history showed I paid the principal amount off XX/XX/XXXX. I disputed the final payoff of XXXX due XX/XX/XXXX. I asked them to review the payment history which showed that I had paid off the principal already. They transferred the loan to Bank of America, loan # XXXX effective XX/XX/XXXX. Bank of America sent me a payment notice. I contacted Bank of America and was assigned XXXX XXXX, XXXX ext. XXXX to help resolve the complaint. She had difficulty resolving the problem because XXXX did not provide the full records as requested. After dealing with the problem from XX/XX/XXXX to XX/XX/XXXX and not getting the problem resolved, I sent them what they said I owed. I was told no late charges would be accessed and no late payments would be reported to the consumer bureaus. The account was reported as 60 days late by Bank of America.

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 07/21/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On X/X/2017 I sent formal notice, via certified mail, to CRME for a collection account listed on my credit report for XXXX, that their claim was being disputed. After 30 days, there was no dispute mark placed on my credit reports, nor did I receive any communication from CRME. On X/X/17, I sent a second letter, via certified mail, to CRME that they have violated federal and state laws, and also failed to send me any communication and/or evidence bearing my signature that the account is reporting correctly. Somewhere thereafter, my credit report was marked by them, that the consumer disputes, but again, this was AFTER 30 day allotted time per FDCPA and FCRA regulations. To this date, I have not received any communication or acknowledgement from CRME, after their receipt of 2 certified letters. They have clearly violated the law by not marking my credit reports disputed within the 30 day time allotted and also have not sent me any documents bearing my signature, validating that the debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (MN).
Issue: Application, originator, mortgage broker

Complaint: We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.

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 09-07-2016 about Consumer Loan (Installment loan) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Managing the loan or lease

Complaint: I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!

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 02-08-2016 about Debt collection (Auto) with Optio Solutions, LLC (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission, I spoke first to XXXX and with XXXX or 2 mins of the call interrupted me and told me pretty much she did not want to listen to my story and to tell her why I was calling, I told her about the ACH check and she said they are not responsible for them and hung up on me. I called back and spoke to XXXX who claimed he was a supervisor and I expressed to him the issues that I am having with ACH ran on my account several times and mind you they have already been paid. He started making fun of me because I accidentally said I did collections for 30 years in reality XXXX and said so you started doing collections at XXXX and laughed at me and embarrassed me to others. He refused to give me any information or their fax number to send them the proof of my checks that I now have {$320.00}. negative balance because they ran it so much. XXXX also hung up on me. I called back and spoke to another lady who I do not remember her name who claimed she was a supervisor and was actually a pleasure to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with NETSPEND CORPORATION (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This is a follow up to unsatisfactory resolution of CFPB complaint number XXXX. I was told a customer service representative left a voicemail with a direct number. I have not received any such phone call. I have been unable to liaise with Netspend for further assistance with this issue. Again, I have no contact information for who to speak with at Netspend. My accounts were closed by Netspend.

My funds in the amount of {$5000.00} are being held by Netspend and not returned to me.

I was asked to provide a Letter of Indemnity by Netspend from XXXX XXXX. As expected, since XXXX has nothing to do with Netspend holding my funds XXXX, XXXX XXXX has provided written instructions that they will NOT provide this letter. I have attached the message from XXXX for your review. Understandably, XXXX does NOT want to get involved. " Regrettably, we are unable to accommodate a request of a written release or indemnity form to provide to Netspend. While we sincerely empathize with the issues you have experienced, we ask that you continue working with Netspend and the Consumer Financial Protection Bureau ( CFPB ) in order to recover your funds. '' I really do not know what to do at this point since XXXX is unwilling to provide what Netspend is asking for. Netspend has closed my accounts in XXXX. They promised to mail the funds to my address on file which I have NEVER changed since registration. Netspend continues to hold my funds XXXX. Since filing a CFPB complaint, Netspend then says the promise to  mail the funds to the address on file was actually an error and to get the funds this whole time, a Letter of Indemnity is required from XXXX. XXXX has denied me this letter and is unwilling to get involved. I have no contact information for someone at Netspend to contact regarding this matter. I fear Netspend will continue to hold my funds XXXX citing my inability to secure this " Letter of Indemnity. '' CFPB, please help.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A credit inquiry made on my Transunion credit report on XX/XX/XXXX by XXXX. I did not contact on this date to establish any type of service. As of XX/XX/XXXX, I placed a fraud alert on my credit file because of all the different things going on with hacking and scamming. I contacted both Transunion and XXXX without resolution.

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