milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with GC Services Limited Partnership (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about  XXXX   XXXX ,  2017 , the consumer, pursuant t o 15 USC 1692 a 3, did re ceive a communication without the prior consent from GC Services Limited Partnership,  XXXX   XXXX , debt collector pursuant  to 15 USC 1692 a 6. There wa s no express written permission from a court of competent jurisdiction attached.     On  XXXX   XXXX ,  2017 , the consumer mailed the debt collector a notice of the violation of the Fair Debt Collection Practices Act subsecti on 1692 c, to one of two locations provided on the letter from GC Services Limited Partnership. Due to the violation, the consumer issued an invoice for damages in the amount of {$2000.00} pursuant to 15 USC 1692 k a 1. The debt collector was given 10 days to respond.      A final communication, dated  XXXX   XXXX ,  2017 , was mailed with an invoice for damages in the amount of {$2500.00}.     The consumer communicated with GC Services thru  debt collectors   XXXX   XXXX  and  XXXX   XXXX  by telephone on  XXXX   XXXX ,  2017 , at  XXXX   XXXX  central standard time. The consumer inquired and attempted to communicate with  XXXX   XXXX , debt c  ollector, whose name is on the original communication.
Compliance with federal law pursuant to 15 USC 1692 by the debtor w  as not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't stop charges to bank account

Complaint: Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX  detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AP).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I started an income-driven repayment plan in 2016 with various lenders. Instead of reporting that I am currently on an income driven repayment plan and have smaller payments, Navient continues to report that my monthly payments are over {$600.00} which is negatively affecting my credit report. My other lenders ( like XXXX ) clearly state that my payments are lower as a result of my IDR. My husband and I are trying to purchase a small home so we can build equity and eventually have a savings, but we continuously run into issues because my credit report shows that I have a $ 600 monthly payment, on my student loan, when I do not. I have called Navient on numerous occasions and they refuse to correct this issue. They state that is the method they use to report and that I should know what my monthly amount is. However, they have no contingency plan for how it is affecting my credit report. I frequently get paranoid about payments because I want my credit history to remain clear. Navient website also shows that I have a {$600.00} payment due, so I often pay something to avoid penalties. I call every so often to verify the amount of my payment because my other lenders have the information very clear and concise on their website. It is very confusing and I feel like Navient is purposefully misleading borrowers so they pay more than they have to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted the credit report agency disputing information on my credit report. The reply i have gotten was that they were reporting correct information. I have a letter from the company i was disputing that this information was sent to the credit bureau in question to have this removed months ago. They are still reporting this information thus hurting my credit further as i 'm trying to clear up my credit and this oversight is hurting me and hindering me from bettering my situation

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XX/XX/XXXX I started investing in a company abroad in the binary market. I first did my research before investing and there no negative remarks about the company. My initial investment was {$500.00} which I used from my checking account with The Huntington National Bank. The money went to XXXX XXXX XXXX which is the payment processing for XXXX XXXX. There was growth in the investment so in XX/XX/XXXX I invested another {$5000.00}. I was then charged a fee for sending the money over seas. I was unaware of this fee, but the bank informed me that it was in my contract when I opened the account a number of years prior to this transaction. I had to call the bank to approve the transaction and was not made aware of any such fee. The account continued to grow and everything still seemed legitimate so I invested another {$3500.00} in XX/XX/XXXX. I was charged the fee. Then in XX/XX/XXXX I authorized a transaction of {$5000.00}, but the bank let the company ( XXXX XXXX ) withdraw {$10000.00}. The company had put the money in trades so it was now tied up for three months. When the trades had expired XX/XX/XXXX I went to put in a request for with draw because the account had grown to {$120000.00} and I wanted my full investment back and let the rest go. I then found that I was locked out of my account and the website did n't recognize me. I called and emailed numerous times with no response from XXXX XXXX. I then contacted The Huntington and let them know the situation that I was scammed and I was told that they could not do anything for me. I had informed them that my credit card company ( XXXX XXXX ) had returned the money with the dispute and they have the same protocol for disputes. I just feel that they did n't want to help me. I have been a good customer for about ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (VA).
Issue: Using a debit or ATM card

Complaint: An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference 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 01/15/2018 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXXI ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to  harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Rash Curtis reported a bill from XXXX in XXXX as " in Collection '' as of XXXX. There was no detail about the bill except that the services were from XXXX which turned out to be incorrect. I called XXXX in XXXX on XXXX/XXXX/XXXX. XXXX reviewed my account and advised that the bill was paid in full by the insurance company on XXXX/XXXX/XXXX. There is no patient portion due. Here are more details : Date of Service : XXXX/XXXX/XXXX, amount XXXX. This went to collection on XXXX/XXXX/XXXX and was paid in full by XXXX XXXX on XXXX/XXXX/XXXX. XXXX advised that XXXX year ago they changed collection agencies and hired Rash Curtis. Rash Curtis reported everything to the credit bureaus regardless of account status. In other words, even though my account was at XXXX balance as on XXXX/XXXX/XXXX, Rash Curtis reported this as in collection because it had been in collection at XXXX time. I ca n't imagine how many people will look at their credit report XXXX day and see this incorrect report even though Rash Curtis knows that they need to review all of XXXX in XXXX accounts to ensure the amount is truly overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a XXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. XXXX sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, XXXX reported to XXXX and Equifax a past due balance of {$1200.00}. I disputed with both credit bureaus, XXXX removed the information from my credit card promptly and Equifax told me to contact XXXX. I have contacted XXXX multiple times to no avail. The last communication was a phone call about a month ago and XXXX was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by XXXX to Equifax ( XXXX XXXX ). This is affecting my Equifax score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: LoanCare is the worst imaginable loan service provider ; if you get them on the phone they keep transferring you from one department to another and none are able to justify why they charge you more. I do n't think is legal what they do and there 's a series of people that complain about them and nobody does a thing ... .what 's going on?

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 01-09-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have never been modified and I have recently been declined again for a modification by CHASE. CHASE seems to be only looking at a HAMP modification. They 're hiding behind the government program to not offer me help. I told CHASE up front I understand I may not qualify for HAMP. XXXX of America do not. But trying to get a fair review for an investor modification has been difficult. CHASE 's modification department is very dysfunctional and does not seem to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: ARS National Services , Inc.  keeps contacting me even though I have asked them not to do so by writing them and including this statement : " I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no attachable income ; essentially I have no money and can prove it. In accordance with the Fair Debt Collection Practices Act,  15 USC 1692c, 805 (  c ) : ( c ) CEASING COMMUNICATION. " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' They still persist. Latest contact from them was dated   XXXX   XXXX   XXXX    .

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Credit decision / Underwriting

Complaint: I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.

Company response to consumer: Closed with monetary relief