milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Genuine Debt Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been receiving call repeatedly with threats of lawsuit. In the past I asked for written documentation, which they have failed to send. They have contacted family members who do not live with me. Very abusive messages. When I have talked to them, they are verbally abusive. I do n't like to respond b/c I do n't want to give personal information over the phone. I ca n't clearly understand the company they are calling from, which makes me more suspicious. I would send a letter asking the calls to cease, but I do n't want to let these people scam me. I am very scared. The numbers they have called me from are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Payday loan debt) with Endpoint Resolution Services (ERS) (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They have called my work phone and have left messages on my VM when I had contacted them and advised them several times not to call my work place. The last call was  XX/XX/XXXX - called my work extension and left a message telling me they will come to my work place it home w papers. They call in via a blocked number but I am able to retrieve number. I called and advised them again on  XX/XX/XXXX , however, they refused to confirm they called and denied it telling me someone else has my file and refused to provide that information on who has my file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: APR or interest rate

Complaint: Opened a credit card account in XX/XX/XXXX. Interest rate was 9.9 %. XXXX XXXX payment due date was XXXX/XXXX/XXXX. XXXX XXXX statement did not show any increase in minimum payment. I made my XXXX XXXX payment and when I received the XXXX XXXX statement, the minimum payment jumped to XXXX with no significant purchases made during XXXX XXXX. After scrutinizing the XXXX XXXX statement, I noticed a late fee payment and also a change in my interest rate from 9.99 to 29.99 %. I immediately called this credit company and they said that my payment that was due on XXXX/XXXX/XXXX was late and that they did not receive it until XXXX/XXXX/XXXX. I could not believe what I was hearing especially since the holidays could have slowed the mailing process. They were very negative about my complaint and said that their policy stated that they had every right to do what they did. I have sent letters pleading with no avail. In XXXX XXXX statement which was due in XXXX XXXX, XXXX was not paid and in my letters, I stated that if no consideration would be given to my account, that they would not see a dime from me. I had a balance of about $ XXXX and I believe the balance is now up to XXXX or XXXX ( with all the late fees and other fees ). I have a credit score of XXXX and I applied for a VA home loan and was turned down because of the collection that is still on my credit report. The VA finance recommended that I get in contact with your company and maybe you could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Problems caused by my funds being low

Complaint: I am a XXXX veteran, senior citizen of a fixed income. My social security has been discontinued at XXXX point, and continues to be deposited late on numerous occasions despite my complaints to Social Security about this matter. I have XXXX separate months when I did not receive any income. US Bank is aware of this matter ; it continues to charge exorbeint overdraft fees, allows checks and automatic deductions to be submitted at least three times and each time the funds are not in the account they charge me insufficient funds fee and the over draft fee. I am never able to catch up because I always in the negative due to extremely expensive penalty fees and extended fees, etc. The bank refuses to allow to close the account or to freeze the account. This is so they continue to charge me the extreme fees which keeps me in the negative. I have explained my situation to them but the bank refuses to assist me in this matter in any way. I view these bank practices as predatory, and target senior citizens and XXXX persons. Is there anything that can be done to challenge these unfair practices by this bank. I am always so in debt for their fees I never have enough money to pay my bills and pay their continual fees. 
Available Balance Checking - XXXX - {$360.00}

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 11/30/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Making/receiving payments, sending money

Complaint: I sold a A XXXX XXXX Treadmill on Ebay and at the time of listing Ebay recommended Pay Pal as the Agent to receive payment from the buyer which is what I did. The item was listed for {$350.00} and the the buyer offered {$270.00} which I accepted. The listing for sale stated ( 1 ) Local Pickup, ( 2 ) No warranty. ( 3 ) No refunds. The item was in excellent condition and the buyer Paid the full amount {$270.00} to Pay Pal who advised me that the payment was made, the Buyer contacted me and was able to pick up the the item on XXXX XXXX. and thereafter wrote on Ebay 's feedback " Outstanding transaction, Excellent Seller '' When later that day I contacted PayPal about my money I received an email from them stating that it would be 21 days or until XXXX XXXX before they can release the money to me. It was pointed out to them that no such disclosure was made to me before and the item was sold as is without any warranty or refund, and further the buyer has my goods enjoying the use of it and I do not have access to my money because they are unjustly holding it for no justifiable reason they have refused to release it even though I have satisfied all conditions of the sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Mortgage debt) with NCC Business Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a credit enquiry from XXXX that I did not initiate and that the credit reporting agency refuses to remove

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 11/28/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a new complaint against Carrington Mortgage Services, following a prior complaint ( Case no. XXXX ) which was resolved. Carrington Mortgage Services responded to prior complaint by agreeing to rescind a foreclosure and recognize a prior loan modification offer made to my client from a transferor servicer. In its efforts to fufill their commitment, Carrington Mortgage Services made the following errors in servicing my client 's loan : 1. While servicing my client 's loan, Carrington Mortgage Services ( CMS ) charged unsubstantiated and erroneous fees to his account totaling {$620.00}. These fees include a late fee for non-payment of the fees. After contacting CMS to request the basis for each fee, CMS gave a list of fee charges and dates that could not possibly apply to my client 's situation. Please see the attached letter for more detailed information. 
2. While servicing my client 's loan, CMS failed to properly calculate and implement the permanent FHA loan modification pursuant to FHA rules. These guidelines require that servicers implement delayed permanent loan modification offer in such that it will, " put the borrower in the same position as he or she would have been if the servicer converted the borrower to a permanent modification in accordance with the program requirements. '' Please see the attached letter for more detailed information. 
3. While servicing my client 's loan, CMS failed to respond to my client 's written dispute of the FHA HAMP modification terms, sent on XXXX XXXX, 2016. CMS Home Retention Representative XXXX XXXX instructed that I provide a written dispute of the modification terms and to fax it to a number he provided. XXXX XXXX insisted that the written dispute would be addressed within 30 days. CMS has still never responded to the written dispute. 
4. While servicing my client 's loan, CMS improperly distributed funds from an unapplied funds account when they removed these funds without applying them to the mortgage as interest, principal or escrow amounts.. On XXXX XXXX, 2016 CMS subtracted {$320.00} from my client 's unapplied funds balance without then applying any amount to principal, interest, or escrow and without allowing that amount to accrue to a full periodic payment when XXXX XXXX 's made a Trial Plan Payment eight days later. 
In response to this complaint I request that CMS do the following : 1. Remove all fees and charges from my client 's account, as he is current on his mortgage. 
2. Respond immediately to my client 's written dispute and re-execute the loan modification agreement using proper calculations in compliance with FHA guidelines, and do so without charging my client any fees or amounts otherwise. 
3. Account for any and all funds removed from my client 's unapplied funds account, and credit any funds that were not applied to interest, principal, or escrow back to my client.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Specialized Loan Servicing reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

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 06/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Acceptance Solutions Group, INC (OH).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX I mailed a typed letter to Portfolio Recovery Associates to politely inform them that my company did not permit personal phone calls and to request they stop calling my workplace immediately as their contact could possibly imperil my job. 

Since them I have received a call on XXXX from XXXX, one on XXXX from XXXX, and one on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Customer service / Customer relations

Complaint: I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: In XX/XX/2016 I called in to the call center to see why my minimum payment had increased. One of the agents told me I was late paying more than two times in a calendar year and the interest rate had increased. I asked him to lower it back down, and I will continue my monthly payments. He said he can not change it because it is in the agreement that I signed. So I ask to get a copy of the contract that I signed. The agent said " you have to request the copy of the contract in writing '' and gave me the following address : CapitalOne - Department General Correspondence, XXXX. I sent a written request and I did not get copy of the contract. 
I have a charge-off on my credit report and I never got what I asked for, a copy of the contract before it went into default. 
This is a violation of 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1637 - Open end consumer credit plans ( i ) ( 4 ) AND 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681n - Civil liability for willful noncompliance For your knowing of such violations to credit disclosure and fair credit rating pursuant to 15 U.S. Code 1611 - Criminal liability for willful and 15 U.S. Code 1681n - Civil liability for willful noncompliance, I demand damages of {$5000.00} pursuant to Section 1611 and Section 1681 ( a ) ( 1 ) {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with STERLING INFOSYSTEMS INC (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Consumer reporting agency reported negative information that is more than seven years old. Which is against my rights under the FCRA.

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 02/18/2016 about Debt collection (Credit card) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.

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 12/28/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: U have a credit card r bank card that i dont have u also say i applied for car loan that is untrue

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or 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 explanation