milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Debt collection (Non-federal student loan) with Key 2 Recovery, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/17 I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XXXX17 that the investigation may take up to 30 days. It is now XXXX/17 and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.

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 Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: CRA is intentionally violating XXXX XXXX XXXX, Illinois consumer protection laws, Federal consumer protection laws, FCRA section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). Debt Collector has violated the FDCPA by reporting this account to credit reporting agencies and not providing a dunning with debt validation within the XXXX business day time frame of reporting the debt on XX/XX/XXXX. I would like to inform you that in your agency has committed a fraudulent action under both the federal and state laws. Due to this reason, all collection activities must be stopped. I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. The account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Application, originator, mortgage broker

Complaint: I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing date.

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 04/29/2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (MI).
Issue: Unexpected or other fees

Complaint: Hopefully you can restore the value of my gifted  XXXX   XXXX   XXXX  program {$100.00}  XXXX   Visa  gift card back to $  XXXX . I selected this card ( attache d ) a  year or so ago and, like many gift card users, the card was forgotten in a drawer. I found it on  XXXX   XXXX ,  2017  and noticed that it had an expiration date of  XXXX . I noticed on the front of the card that it says Funds do not expire so I called the  XXXX   XXXX  number on  XXXX   XXXX ,    2017  to get a replacement card. The call center advised me that a replacement card would cost $  XXXX  and that the balance on the card was deteriorating at a rate of $  XXXX /month after the  XXXX  date for card maintenanceso my replacement card would now be worth $  XXXX !   Needless to say I was shocked since I received no warning ( no mail, email, phone calls , etc..Im not su re what other maintenance is involved ) that my $  s  were evaporating ( or being stolen  XXXX  ).     Would you please help me get my $  XXXX  restored?     Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Customer service / Customer relations

Complaint: Around XX/XX/2015, I called American Vacation to book a vacation Package. After I gave them my information, they called me back within 5 minutes, saying they can not charge to my credit card, advice me to call customer service for my credit card company. At that point my instinct told me these people are desperate, I should not do this. 
So I called credit card company to thanks him for looking out for me. told him I change my mind about this transaction, please do not let them charge me {$400.00} to my card. I called back American Vacation and told them I change my mind about this purchase. They said no problem. 
A couple of day later, I saw a charge on my activity list on the credit card web site. I called the credit card company again and asking why you guys let this charge go through.They charge with different name or their sister company but the the same amount of {$400.00} that I called you to put a block on. But he said I could dispute that and we could resolve it later. 

Later, I talked to customer service specialist on the phone a few times. He send me some copy from XXXX XXXX claiming that I did sign an agreement electronically. that was a lie. I did n't sign anything. On that paper, they had my last name wrong. they even sign my name wrong. I wrote to the customer service XXXX that handle my case. He said sorry he decided that it is all valid. I disputed again another customer service specialist looked over again and she agree with the first one. 
I later found out that that travel company is form out side of United State. I could n't even find it on internet. They must do this kind of stuff all the time. BUT the credit card company is support to protect their customer. '' My credit card not yet been charge. I called to block it. They still let it go through. '' And later on even with wrong name and wrong signature, they still decided it was valid. I pay {$95.00} a year for this credit card service for what? So they could XXXX me? I paid the balance and now I closed the account but I still want this issue to be resolve. 
I have some more document that I could summit. They are in paper copy. I could mail or fax it to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX 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 12/22/2015 about Debt collection (Non-federal student loan) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX CA XXXX, has called me repeatedly for at least 6 months accusing me of a credit card debt in XXXX 2014 of over {$800.00}. I have spoken to XXXX representatives and all three have assured me that the last XXXX digits of my SSN and the last XXXX digits of my credit card number do not match the card holder that they want to contact. They promise each time that I will not be contacted again but that has not happened. I noted the names of XXXX of the representatives that have promised to delete my phone number. Those names are XXXX XXXX and XXXX XXXX. I have twice asked to be referred to a supervisor. I waited on the line for 60 minutes and another time for 17 minutes. My credit card co. agrees that I do not owe this amount. Also, Midland is looking for a person that has a slightly different name than the XXXX on all of my credit cards. 
I am really feeling harassed with no end in sight. Can you get them to cease and desist? 
I have blocked XXXX of the phone numbers that Midland uses but they continue to call using different XXXX and XXXX numbers. I am becoming very concerned that my excellent credit rating is going to be compromised

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: lender is delaying the payoff to charge late fees and attorney fees ''. lender would also not take my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Nation star is refusing to investigate anything properly or verify anything because if they verified or actually did a proper investigation on remic with the security exchange commission on XXXX reperforming loan remic trust certificate series XXXX. So as shown by Nation star mortgage a official United States Security Exchange Commission document is invalid. Can anyone in Nation star mortgage actually read the documents and do research instead of copy and pasting documents? Can any one in nation star mortgage actually provide us with the actual correct documents we asked for and quit providing the same documents we provide to them right back to us? It is perfectly clear that nation star mortgage is on purpose refusing to actually investigate all documents provided by us and refusing to provide what we ask for sayin internal use only. Also you can reference control numbers but not look at what was provided for the control number and give us a automatic response without actually reading all information provided why? Also how can you hold a loan modification from XXXX in 2003 when it was all executed by XXXX XXXX XXXX after the took over XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit card () with U.S. BANCORP (NY).
Issue: Closing/Cancelling account

Complaint: In XXXX, I closed and cancelled an account with US Bank. The balance was paid in full ( see XXXX balance ) About 6 months later in XXXX, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in XXXX. 
I spent hour straightening it out with them, and they said that the account was closed ( See XXXX fee reversals balance ). 
This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " close '' the account again is to pay the balance in full. 
My credit score has dropped because this *closed* account is so past due. I do n't know what kind of business they are running and why they refuse to close 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 monetary relief
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.

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 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XX/XX/XXXX, I received an offer of 0 % promotional APR on all new purchases until XX/XX/XXXX. I  took the advantages to advance {$20000.00} on XX/XX/XXXX and another {$20000.00} on XX/XX/XXXX after paying a balance transfer fee of {$2000.00}. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. Not only that I never owe on the new purchases, my balance has always been way below {$40000.00}. However, CitiCard keeps charging me high interest rate on my purchases, I called three times to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the {$40000.00} cash advance. I was advised to pay off the {$40000.00} or not to use the credit card at all. 

Since I have prepaid {$2000.00} balance transfer fees, it is not fair for me to pay off the {$40000.00}. I have quit using this credit card in the last two months, yet there are still pre-set automatic payments from this credit card 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 09/13/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: LVNV FUNDING LLC is continually placing a collection, as well as a closed account listing on all of my credit reports for the amount of {$480.00}. I do not know who or what this company is. I have tried contacting them multiple times requesting a full validation of debt and nothing has been done nor have I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.

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 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This complain is about Navient Corp and how they handle payments made toward the principle and interest. My wife and I for five years rounded up on our payments to Navient thinking the extra money paid each month would go towards our principle similar to other loans for housing or vehicles. This is not the case with Navient, in order to pay down principle a written letter has to be sent with payment explaining that the funds deposited are for principle and not paying interest. For years we were lied to about how this is handled. Should n't anything between the minimum payment and a payoff go towards principle. Why would would anyone intentionally pay off interest early. Personally I believe all extra funds deposited should go into an escrow account for the barrower until the end of the fiscal cycle. At the end of the cycle the barrower should be prompted to either use the funds for their first payment of the year or it should all be deposited against the principle. Thousands wasted and nothing to show for it. So much for trying to pay ahead and decrease the amount I owe over a period of time. Just another one of their dirty tricks.

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

Complaint: OnXX/XX/XXXXI was informed that Equifax experienced a large data breach, and was able to confirm that my data was included in the breach.

Company response to consumer: Closed with explanation