milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I XXXX XXXX signed an agreement with Navient during 2007. I signed the application using my mother 's name XXXX XXXX without her knowledge. During that time my father and only sibling were XXXX, therefore I did not want to ask my mother as she was dealing with that unfortunate situation but nevertheless I was wrong. I have forwarded a signed letter acknowledging that my mother knew nothing of this loan and I am fully liable also it matches the signature on the application in which Navient sent my mother a copy. Also if they view the signature on the domicile that my mother informed me she has forwarded several times to Navient, the signature on the application does not exactly match the one on the domicile in which she forwarded, that is because the signatures on the application are both mine not XXXX. My mother indicated Navient keeps stating that the documents were returned authorizing the agreement, but what they seem not to comprehend is the address that the documents were sent to is n't my mother 's address, it was mine. She spoke to their fraud dept she said upon discovering on her credit reports. She spoke to XXXX XXXX and then I am guessing they changed their name then Navient. 
Well this company has this XXXX loan on my mother 's ( XXXX XXXX, which I attached she mailed to me ) and myself credit reports XXXX times, the same XXXX account is showing XXXX times. They indicate the loan was issued in XXXX parts, I do not recall anything about the loan being issued in XXXX parts but it was still XXXX loan and should not be on the credit reports as if it were XXXX loans, that 's also fraudulent credit reporting. It was XXXX loan. Please look at the dates and all of the information for the XXXX accounts that they have documented on the XXXX credit reports it 's the same loan in which they have massive increases different from the loan agreement. Also, if you review the XXXX credit report attached, it is the same loan, however, they are documenting different dates and amounts. So, I was wrong but they are also committing fraud. I am again asking them to remove the XXXX accounts they have listed on my mother 's credit report and to remove the fraudulent accounts that they have on her XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my mortgage with Carrington mortgage was paid in full, address of XXXX XXXX tx XXXX. I have requested a breakdown of my escrow account and my last payment on three occasions due to a dispute concerning the final escrow distribution. Carrington mortgage refuses to explain how they reached the amount of the escrow distribution, continuing to say the loan is closed and they do n't have access to the data. In Carrington 's view the amount they sent is final and not to be questioned. When the escrow company requested a payoff an additional payment was made by myself afterword. The escrow company sent the original payoff which did not take into account the additonal payment which I have yet to receive back from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 2017 ).

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 05-02-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: USAA has taken  XXXX  of my retirement checks for {$2800.00} plus {$300.00}. I have attached police reports with the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with AFNI INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101.  AFNI does not have a license in the state of TENNESSEE. Their license expired in  XXXX   XXXX ,    2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each   location at which it conducts business a location  manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  AFNI is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I booked to go on a cruise through an agent, XXXX, with XXXX XXXX XXXX for {$4300.00}. When the XX/XX/XXXXstatement was received I paid the statement balance of {$4800.00} on XX/XX/XXXX, which of included the {$4300.00}. Since then I have had an ongoing struggle to explain to Chase, the card issuer, what happened next both in many telephone calls and in seven letters to date. Chase is charging the account interest and fees. I insist that my account was paid on XX/XX/XXXX in full. I have always in my entire life paid my credit card in full every month. I have also told Chase to close my account and I have destroyed the cards. I have not used the card since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Tulsa Adjustment Bureau (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is a medical account to my  XXXX ,  XXXX   XXXX   XXXX ,  XXXX . The account was paid to his office at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , OK, on or about  XXXX   XXXX ,   XXXX  . This account was originally with  XXXX   XXXX   XXXX ,  XXXX , OK. The complete file, cancelled checks, and educational materials on correct claims filing were presented in person at their office downtown on  XXXX   XXXX   XXXX  At that time, it was agreed by all parties that this case in its entirety was closed and satisfied per contract on all parts. Now, this account keeps reappearing at various times on various credit reporting agencies both national and local. This is a gross violation of the Fair Credit Reporting Act and I have also advised these agencies repeatedly.     I expect justice to be carried out, I expect these to be removed from my credit report permanently, and I expect punishment to the full extent of the law to these agencies for repeatedly violating the Fair Credit Reporting Act and my personal rights. I also expect my credit reports to be completely and forever expunged of these items as they have been satisfied for more than three years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with Credence Resource Management, LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (GA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax Security Breach has impacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (LA).
Issue: Managing the loan or lease

Complaint: I purchased warranty for a TV with Conn 's, I had the TV replaced but, was not notified that I needed to purchase a new warranty for the replacement TV. I was not notified until I tried to use the warranty for a 2nd time that my replacement TV was not covered. I received all sorts of different, conflicting information from the Conn 's representatives. Additionally, I found out that although I had supplied Conn 's with a copy of my renter 's insurance policy, they had not adjusted my account. I supplied Conn 's with proof of the confirmation sheet that their rep had provided to me and they still refuse to adjust my account. Finally, I spoke with a Conn 's rep on XXXX/XXXX/15 and authorized them to draft a payment from my checking account on XXXX/XXXX/15. Instead of drafting the payment on the correct date, they drafted the funds on XXXX/XXXX/15 and have failed to compensate me for their error. Conn 's has a pattern of dealing deceptively with me by failing to give me pertient information, refusing to adjust my account when I 've provided them with proof that they said they would, and by making unauthorized drafts from my checking account and refusing to compensate me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Using a debit or ATM card

Complaint: There was fraudulent activity on my account and I was told that I may just get my money back right away or I may get some paper work in the mail first. I said that was fine, well a week goes by and non paper work and no credit. I went to a branch and they told me in 7 business days id get a provisional credit to my account while they further the investigation. Well nothing still. No one has contacted me about anything and no mail. I call the bank today and the rep was rude, they got loud with me and told me that it may take up to 90 days for me to get my money back. This is unacceptable customer service. I am switching banks asap.

Company response to consumer: Closed
Consumer complaint received 12/22/2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (CA).
Issue: Fraud or scam

Complaint: I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: cra violation no score reported inaccurate information please fix this issue asap

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 05-07-2015 about Debt collection (Credit card) with Hosto & Buchan, PLLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have been trying to obtain verification of debt documentation since XXXX 2014. XXXX XXXX XXXX has not provided anything, neither has their attorney. It has been 9 months and this account si damaging my credit. There is no one to talk to regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Payoff process

Complaint: American Express are liars and extremly rude. They think they are above all credit cards. I have been trying to work out a deal for months and they refuse to make this horrible situation any easier for their customers. They hang up on you if you get upset or angry and they continue to raise your interest if you dont make a payment. Yet they wont work out a deal until you miss XXXX payments. Then the minium payment goes up and they report to credit services and destroy your credit. They give you the wrong advice for how to handle your finances and not to mention the hold times for even reaching a customer service rep. If you have any debt with american express do everything you can to close your card or you wont ever be able to fix your credit score. They will do everything they can to charge you fees and insane intrest rates. Worst company ever! Wasted so much time and energy. Every rep tells you something different and they are all just liars.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received preventive care from XXXX XXXX XX/XX/16. They submitted this to collections after I was told via email it was corrected as a result of being preventive care. My insurance classifies routine XXXX XXXX as preventive care. This was not due to a illness, etc. This was a yearly routine physical.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent harassing phone calls throughout the day.

Company response to consumer: Closed with non-monetary relief