milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Less than minimum payments were being made to a closed account with XXXX. XX/XX/XXXX I sent a written letter in advance to XXXX explaining about a medical hardship ( husband XXXX XXXX ) and why the account was being closed ( could no longer afford it ). Before closing the account tried several times to reduce plan but could n't get a better deal. In closing plan I was charged termination fees for XXXX phones, XXXX tablets, and 2 months past due. I disputed it but it did n't get any attention. Fast forward to XXXX XXXX and I get a credit alert that Diversified Consultants reported on all XXXX credit bureaus that I owed them for XXXX. I never confirmed anything with this collection agency. If I did n't get the credit alert I would not have known it was there. XXXX has been taking my money before and after I closed the account and not once referred me to this collections agency. I contacted XXXX to speak with a rep but since the account was closed no one could help me. I went to XXXX to complain and I finally got a response. XXXX XXXX from head quarters contacted me and set up a plan for me to ( 1 ) return the products and ( 2 ) lower my bill. On our initial call I told her I did n't understand why they went to the collection company when I was making payments and sent them a hardship notice. She gave me the impression that once I cleared the debt ; in which I did, then she ( XXXX ) would send me something in writing paid in full and have the collection company to be removed. When I contacted her a week later ( have the email communication to confirm it ) to ask about my letter she was delayed in her response but before the account was paid she was quick to respond. She finally responded and said her collections department will get the letter to me in 7 - 10 days. then I responded again saying please be clear we both know this transaction was handled with the original creditor I 'm confused about this collection department. She responded back saying that Diversified will send me a letter stating paid. I informed her that I feel like she used me to get this payment to funnel the money to the collection agency without even stating this in our phone conversations nor our email communication. Now this collection agency has reported this on all three credit bureaus as if I paid them. That 's 7 years on my credit report. This is like a hustle and I feel swindled.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.

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 04/30/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I have sent several certified mailings concerning accounts, wrong address, inquirie removals and the customer service has been horrible. Nothing has been done and I haven't had anything " verified ''. 
My accounts in collections are not the original creditor. Contract was cancelled and I have no further obligation. There is no contract for any of my collections. I have tried everything and keep getting the run around.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have account with XXXX XXXX XXXX. We applied for a business loan and was turned down because Transunion reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is XXXX that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX, XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We XXXX XXXX XXXX XXXX we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it XXXX or Transunion or both. We have never had a problem like this. Hope you are the right place to go.

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 04/26/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Several times this past year for example, Ocwen has sent notification of loan payment increases. Three times claiming to be for Escrow shortages. Once within two weeks. Now I get after sending in the amount, posted, now another increase. They seem to either can not add or subtract or are attempting to commit fraud by claiming false chargers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Stark Collection Agency, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked for this company to validate debt with my signature on a legally binding contract between their company and me. They have failed to provide me with this information. I spoke to them on the phone on a recorded line and they said they do not have that info. Since they do not have that I do not owe a dime to this company. With this being said they are fraudulently reporting to the credit Bureau. 

I also requested the name, number, and any other contact info of the person who " validated '' that I owe this debt. This information has not been received or provided in their responses.

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 01/19/2018 about Debt collection (Other debt) with ERC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted. 

Who validated this account? What documents did they use to validate? Where are the documents used to validate? 

I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Other financial service (Refund anticipation check) with IBERIABANK (FL).
Issue: Unexpected/Other fees

Complaint: I order an item on XXXX, attempted to pay it with a card through my XXXX account XXXX for {$10.00}. When it went through XXXX I would deposit {$15.00} and then I cancelled the item on, ordered on around XXXX the XXXX. I had an over draft fee on my account which was taken away due to my carelessness. I have asked several times for the over draft to be placed back, I was told no. I got a letter from Iberia last week on the XX/XX/XXXX. I cancelled the item with XXXX and when I checked I owe Iberia {$90.00}. I called and asked to speak to a customer service and was told that it could not be taken off. I called XXXX who really was not sure what to do, I spoke to another customer relations and was told the same thing. I like this bank I am just overwhelmed with this charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Customer service / Customer relations

Complaint: After repeat attempts for assistance with managing my accounts and the online options that Target provides, Target was unable to assist me and then would not work with me on removing some of the fees assessed as a result. I have a Target Redcard and I was having trouble managing it with electronic statements. I contacted to try and get paper statements I was told that I had to change them online, online it has a link to Stop Paper Statements no link to stop electronic statements or even manage electronic statements. Since I was unable to manage my statements I incurred XXXX late fees. When I attempted to correct this situation. Target informed me that they can not make a refund after 30 days, I never agreed to that and if I was able to manage my electronic statements I would have known within 30 days that I had an outstanding balance ( emails easily get lost - which is why i tried to change to paper ) and would have paid it and not incurred anymore fees but now i am told that no fee can be returned and that the fees will be sent to a collection agency if I do not pay them. They say they are sorry but there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was trying to get XXXX Loan Forgiveness. It took submitting 3 times and blessing them out to get straight answers. I finally got that done. Now I have been trying to get information on federal forgiveness programs and consolidation and keep getting the runaround. The servicer is Navient. I can never get a straight answer. Also, they have tried to force me to take extensions. They actually implemented it once without permission. I am so done with this company. Thank you for your help. <P/>Sincerely Frustrsted

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I lost my card over the new year. On XX/XX/XXXX I saw an unauthorized charge of {$1100.00} on my account. I called the credit card company to file a lost/stolen card and disputed the charge. The company closed my account and issued a new card for me. The charge was taken off 3 days later. However, on XX/XX/XXXX the same charge appeared on my account again. I called the company again and try to find out what happened. Their investigation team determined that the transaction was valid, disregarding my statement that I did not have the card in my possession at the time of this transaction happened, I did not know anything about this transaction. I had to call numerous time for them to take any action on this matter, they were rude and condescending. Finally, they reopen the claim and issued a chargeback, however, they are not willing to further help and protect my right as their customer, I may get rebill again on this unauthorized charge.

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 09/14/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Over one year ago I ordered a chair from a company in XXXX, Ky. In order to complete the order which would take six weeks to get the company rep. took my information and stated they had special deals with a particular credit card company. I obtained the account information with a few weeks ( listed below ). After seven weeks I had not received my custom chair as ordered. I contacted the chair company and was told it would be at least another six weeks, because they were so backordered. I asked the rep to cancel which she promptly and courteously agreed and I have no further correspondence. The chair company rep did give me the " credit card '' company 's toll free number in to cancel the card account since I did not need another card and was not going to get the merchandise I was going to get on the credit account. I contacted XXXX XXXX and asked them to close the card account, to which the agreed. I have never used this card account or received any merchandise or service charged to the this account. They continuously harass and send me threatening letter and phone calls. I get statements which I have disputed in writing but stye continue to send account statements show interest and late fees being billed to me on this account and the original amount of approx. {$300.00}. As i have stated to XXXX XXXX reps many times, I never received the merchandise that was first order that started the account and I have advised them of this several times.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public records suppressed from reporting as public information. All three credit bureaus are knowingly reporting public records information even after provided a letter from XXXX XXXX who provided the public information to the credit Bureaus. Method of verification or reporting is obsolete since suppression is in place. I have attached a copy of suppression letter

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 08-07-2017 about Debt collection (Other debt) with Aargon Agency, Inc. (NV).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I spoke with a rep from this collection agency Aargon Collection Agency Named XXXX who advised me that I owed for an XXXX XXXX Bill from XXXX 2016 to which I advised him I would have to contact the original Company to inquire what this bill was about. He then advised me that He would call XXXX XXXX XXXX Police on me about this bill, when I requested to speak to his supervisor she said that he did not day that, my husband was listening in on the call and was very adamant of what this XXXX said. I am aware of the FDCPA rules and making a false statement is a violation of these rules claiming to involve Law Enforcement when there was no intention to do so. This happened today XX/XX/XXXX at XXXX XXXX PDT

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 02/26/2016 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have had an account with the company ( OneWest Bank ) who has held my XXXX mortgage ( HELOC ) since 2006. I have excellent credit and have never had a late payment reported until last month by OneWest/CIT. I paid through their web portal as I have the prior 100+ times previously. The transaction went through without issue. I did not capture a copy of the confirmation. I received zero communication from them that a payment was in arrears. I was notified by my credit monitoring that my score had changed and immediately paid what they showed to be in arrears and called them. They told me that they could not authenticate me although I provided every piece of personally identifying information they requested. They told me they would not speak to me. I asked to have this escalated to a manager and they refused. After much badgering, they said they would have a manager contact me, but, they never did. I purchased the email addresses for their corporate level management and emailed them. Someone emailed me back and said someone will be in touch. It 's been 13 days and no response. I have tried to contact them multiple times via telephone and email and they have been unresponsive. My credit score has now been severely impacted and I 'm in the process of refinancing which may impact my ability to close. I have submitted disputes with all three credit bureaus. I am furious and can not believe that a company I 've had an account with for 9 years would violate my rights under the Fair Credit Reporting Act. A company that so blatantly violates a consumers rights in this manner should be made an example.

Company response to consumer: Closed with explanation