milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.

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 05-03-2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My deceased husband had a Sears credit card, and I was an authorized signer. My husband passed away, and I declared bankruptcy. My bankruptcy was discharged by the court. Citibank/Sears continues to report the debt to XXXX and XXXX XXXX. My husband did not have any assets. Citibank has no legal grounds to collect this debt.

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 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I could n't say who the debt is for but they are trying to collect on a debt for a magazine that not only I never ordered but never really wanted to read in the first place. I have tried to contact them but it is impossible to ever reach a real person to tell them to stop mailing me! I Do n't read magazines period!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a settlement offer from Navy Federal to pay off half of my {$12000.00} credit card debt. The settlement said If I paid half, my debt will be considered paid in full. I paid {$6500.00} to Navy Federal on X/X/2017 and since then I have not received any more communication from Navy Federal stating my debt has been paid in full.
The balance still shows up on my account when I log in with a 24 days past due collection sign for minimum payment of {$30.00}.
I have attempted several times to reach out to Navy Federal but no one seems to know what 's happening.
I am hoping this was n't a new debt collection tactics and that my settlement contract offer is genuine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with Monterey Financial Services LLC (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have not received a final response, however I challenged with all XXXX bureaus a falsely identified item ( listed as a judgment entry which was later appealed and removed ) XXXX of the XXXX bureaus successfully removed the judgment from my credit file. However, I have had to file another investigation with transunion in which I argued that they did not investigate anything because if they did they would have removed the error like the other XXXX agencies did. I shortly thereafter received a letter that they would not be investigating any complaints on my account because they believed they were n't coming from me. I called and verified that they were coming from me and they need to work on the issues I am presenting while trying to clean up my credit report. 

To this date, the item has not been removed, it was originally to have been investigated more than 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I a made a mistake in XXXX of 2015. I did not receive an email acknowledging recept of my payment. Stupidly I made another payment and when I realized my mistake I tried to fix it immediately that did n't work so the second payment bounced. It has been 4 months and they are still not accepting payments from me. They are hitting me with all kinds of charges. I spoke to them and mailed the amount they told me to mail and they received it 2 days late and they returned it to me. I have been trying to 4 months to just pay my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with P&B Capital Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Received call on XXXX XXXX XXXX from P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and XXXX / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.

Company response to consumer: Untimely response
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX called me claiming to be XXXX saying that my computer was sending out error messages and needed repairs which it did not. Now they claim I called them. How could I have called them when I have never heard of them. Furthermore I have sensitive material on my computer XXXX and would not leave it with anyone except XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I was rewarding my money in 2010 for student debt. I was mislead on the financial amount and the repayment was misleading and confusing. I attended the XXXX as well as the XXXX campus.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle lease) with UBER TECHNOLOGIES INC (FL).
Issue: Taking out the loan or lease

Complaint: I got approved for a lease through Xchange Leasing ( an Uber subsidiary ) on XX/XX/XXXX with only XXXX down payment. I picked the car on XX/XX/XXXX and starting driving for Uber that day. The payment agreement was XXXX weekly. The problem here? First, I reported car issues on XX/XX/XXXX. Those problems begins with aligment, low coolant, transmission sometimes making rough gears after heavy usage during the day, and the car can tremble or start to fail on a stop when turning off AC for a while. I signed the contract and one of the documents said that the car was fully inspected. Second problem, they did n't took the first weekly payment from my Uber earnings as supposed, then it was really a pain to contact them and had the response on time, they only have email for our problems! The agent XXXX never told me if the issue was resolved or not, I had to give it a try to see if I can send the payment through XXXX, and it worked. Now the car was still with troubles and I decided to give up with this irresponsible company and return the car with only 2 weeks of usage. They are now demanding to pay up to 5 weekly payments, they will take XXXX of my XXXX down payment. I know that was on the contract, the only thing here, is that I did n't mean to break the contract on purpose. They gave me a car with serious issues and clearly not well inspected and now I have to pay the price for their fault? Seems to me this business is a complete scam. I only want them to stop charging me for the 3 remaining weeks because of all the troubles they caused me. It 's not fair that I wanted to keep the car and work and they did n't handle this with a properly manner and they did n't even care, only for the money. This a an hoax.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: They keep dening me of a loan modification after they request several documentation and I provide them all I ask if the could lower my mortgage because i could no longer afford to pay XXXX because my husband was diagnose XXXX and my son die and i had to bury him from out of pocket because i did not have insurance for him. My husband is now working while doing 3 days XXXX and i have XXXX job and selling XXXX XXXX so we can afford to pay our mortgage i just need to stay in my house of 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: equifax XXXX and XXXX reporting inaccurate information which i provided police report and id theft gov. report this is in violation of the cra must remove inaccurate infomation

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

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 Credit card () with CITIBANK, N.A. (PA).
Issue: Rewards

Complaint: Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry.

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 09-09-2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Settlement process and costs

Complaint: XXXX XXXX, Owner of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, VA XXXX requested a HELOC on his property. Maximum on that loan was {$45000.00}. When he went to sell the property, Capital One ( second lien holder ) indicates {$95000.00} is owed. They wo n't explain why the amount has increased so drastically other than a generic letter stating " he owes the money ''. I am a licensed Realtor/Broker and have a Power of Attorney to work on his behalf. I am completely at a loss to get any information from Capital One, and do not understand how the real estate records can indicate a lower amount is owed, yet the Loan PayOff Statement indicates almost twice that amount is owed. There was no re-finance, no second appraisal, the consumer signed nothing, and he claims fraud on the part of the bank. I have plenty of documentation to send.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I receive XXXX billing statements for the same billing cycle instead of a single statement. It is not until the first XXXX is paid that I get a notice for a second amount that is due at the exact same time. I 've spoke with customer service twice regarding this and the first time they said all I had due was the amount due XX/XX/2017 and the next due should be XX/XX/2017, I paid it and now another amount is due for XX/XX/2017 which is contrary to what the customer representative said. My fear is that if I make the entire month payment for the first and lesser of the amount then the rest of the balance will go to principal and the next statement will show the larger of the balance due on the same date. This method would cause me to overpay or to not have enough to make a second payment in a billing cycle causing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have monster mortgage servicer and a monster private invester And I am stock They dont want to work with me because the thief invester doesnt care What should I do loose my Home thats not an option It is disgusting thats government has no resources broker who got this garbage loan and the invester chested and I have to loose my Home

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 03-07-2018 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting relentless phone calls over the past month. There are too many calls to list. I would miss anywhere from 2-4 calls almost every single day. These calls were mostly made while I was at work. I spoke with a member I believe on theXX/XX/XXXX I explained my situation and why I was unable to make a payment at this time. I was pressed and pressed for more and more information and to why I have not made a payment. The call was not only invasive, it was disrespectful. She informed me that I would not receive any calls for 3 to 4 days. I received multiple calls the very next day. It was the same thing. Nothing I said was accepted and they kept pressing. I asked them to stop calling. The calls have yet to cease. The have harassed me every single day of the week multiple times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXXXXXX XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow 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