milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Debt collection (Federal student loan) with URS Holding, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Multiple contacts made with outside family members and their employers. Also contact made with general acquaintances of mine. All were told I was trying to be located regarding many different scenarios all of which were lies. Credit card and bank information was requested from the contacts by stating I had given their phone numbers ( many I do not personally have ) and statements were made saying I had made payment arrangements that involved outside parties having to divulge their private credit card and bank information for payment of my debts and so the caller was calling to request that information from them. Also when I contacted the company I was told that for {$60.00} I could get my loan out of default, clear my credit report, be able to qualify for new loans and All I had to do was pay {$10.00} initial payment and {$5.00} a month for 10 months. The company refused to send me a copy of my bill and refused payments unless I set up automatic credit card payments. This company has my correct address phone and email but yet still calls my familyand their employers as well XXXX my acquaintances and misrepresents the purpose of their calls. The company is enterprise debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: my vehicle loan opened in XXXX XXXX. I have had insurance since I purchased the unit. Fifth third bank took it upon themselves to add insurance to my account anyway. Causing my monthly payment to almost double. They never contacted me prior to doing that. I contacted them XXXX/XXXX/XXXX, when i went online to make a payment and saw the amount due. The rep was able to contact XXXX and verify insurance and was supposed to refund the insurance. Today is XXXX/XXXX/XXXX, and my account still is not correct. I should be current and next payment due XXXX/XXXX/XXXX. I have attempted to contact them to resolve, but keep getting transferred around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Balance transfer

Complaint: I have XXXX credit card accounts with Barclay Bank : XXXX Rewards and Juniper. On XX/XX/XXXX I submitted a request for XXXX balance transfers to my Juniper credit card in the amount of {$390.00} and {$1400.00} because I am supposed to have 0 % interest until XX/XX/XXXX. However, the balance transfer was process with my XXXX Rewards Account instead of the Juniper account. I believe this was done intentionally as my XXXX Rewards account only has 0 % interest until XX/XX/XXXX. I contacted customer services and requested they fix the issue and process the balance transfers with the Juniper account as previously requested, but they are claiming there is nothing they can do. This is FRAUD. I did not authorize those balance transfers to my XXXX Rewards account. I do not understand how this is legal and okay. I am sick and tired of these banks trying to find ways of ripping of the consumers who keep them employed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing statement

Complaint: I enrolled ( and have since unenrolled ) in electronic statements from Amazon'sSynchrony Bank system. I thought I read everything carefully, but nowherenoticed that I would not be seeing my individual transactions listed -- just thedollar amount of those transactions. Now it is true that one could go back andresearch all of the monthly transactions, but that 's like reinventing the wheel. 
Is this format truly acceptable? Paper statements do include individualtransactions and I do not understand why since both are managed by the samecompany they should not be identical. Thanks for any consideration you canget to help me understand this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage ComplaintXXXX2015XXXX XXXX, NY XXXXEnclosed are the pictures of the XXXX when or where it was XXXX when it was raining. But I used part of the rental money to fix the problem. Now, the property is in good condition, the tenant are very happy to pay the rent and I am extremely happy to start paying the mortgage on a timely basis. 
Please note that I have been retired from my job for the last past 5 years. I do not file the Federal Income tax due to the fact that I do not pay any Tax. Obviously, I received Social Security Benefits of {$1200.00} and an additional retirement fund of $ XXXXXXXXThere is also an additional non co-borrower contribution of $ XXXX/month. 
From Social Security Benefit and the retirement the total amount is {$XXXX} and the non-co-borrower contribution is {$XXXX}. The total monthly income is $ XXXXXXXXCombine the rental income with what I received every month is : {$XXXX} + {$XXXX} ___________The total monthly income is : $ XXXXXXXXA loan modification would be beneficial to both of us. It would help me to get back on track and fulfill my obligation to Wells Fargo/The Lender as well as my other obligations. My home means a great deal to me and it is my desire to work with Wells Fargo to keep it out of foreclosure. Please advise me of all options available to avoid or stop foreclosure. I am anxious to reach an agreement and appreciate your assistance in this matter. 
I have sent the Award letter that I received from the Social Security Benefit, the XXXX and XXXX and the non-borrower information. 
If you have any other document you want to request, please feel free to call me at your earlier convenience. 

Cordially, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with XXXX requirements to CommonWealth Financial Systems , Inc . I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt is under investigation to be validated by CommonWealth Financial Systems XXXX Inc. After doing my research I found out that CommonWealth Financial Systems , Inc does n't have the right to collect debt in Texas XXXX Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. CommonWealth Financial Systems, Inc should cease all collection efforts and remove the debt from my credit report promptly. Also, I know that a Debt Buy can not hire another debt collector to collect for them in Texas therefore this debt can not be transferred to another collection company. Therefore, this debt should be removed from out of the office of Central Financial Control. 
Section XXXX of the Texas XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office XXXX. 
On this site, you can search for individuals and entities that have filed debt collector bonds with the Office XXXX. The search results will indicate, based on the information filed with the Office XXXX, whether the bond is active, pending cancellation, or has been cancelled. All fields displayed are searchable. You can see from the documents that CommonWealth Financial Systems, Inc cancellation was in XXXX/XXXX/2016 prohibiting them from doing business in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In 2010 I was notified by the IRS that someone had filed a fraudulent tax return in my name and received a refund. A police report was filed with the XXXX XXXX Police Department. As a result of this unknown/fraudulent tax liens were placed in my name as well as a BK. 
Transunion removed the BK once I supplied them with my police report and other pertinent documentation, however they re- inserted the BK back to my credit write while I was in the middle of applying for a loan. 
I have tried to reach out to them for the past 6 months and the public record account still remains on my credit even though it is not mine!! 
BK XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CAP ONE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAP ONE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAP ONE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AN AMBULANCE WAS CALLED FOR AN EMERGENCY AT MY HOME. I NEVER AUTHORIZED THE USE OF AN AMBULANCE, THEREFORE GET STUCK WITH THE BILL!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with LENDING CLUB CORP (UT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This is as far as what happened XXXX XXXX XXXX XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, I visited the website https : //www.equifaxsecurity2017.comXXXX to see if my information was compromised in the Equifax security breach. When I entered my social security number and last name into the required fields, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ( I declined the offer to enroll in XXXX XXXX, as I was concerned about how it would affect my ability to take legal action against Equifax if necessary. ) Based on this response, I 'm concerned that my personal information has been misused, and may be available to those who would use it to steal my identity. I have already placed a 90 day fraud alert on my file, and my credit report does not list any unauthorized activity. However, if my information has been compromised, then these things could still happen in the future for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Between my XXXX phones they call XXXX times per day. Starting the day after payment is due until I pay. This has gone on for several years even when I was in XXXX for the military I was harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not help me.

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 04-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by XXXX XXXX XXXX and they continued to give me a different money amount for my final settlement. I was never provided a signed copy of my judgement, signed by the judge, In addition, since I have paid off the final amount, they never sent me, after I called them many time, with a clearance letter. I dealt with XXXX XXXX and XXXX XXXX in their XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Closing/Cancelling account

Complaint: I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2007, I signed an adjustable rate note with XXXX XXXX XXXX, XXXX. As part of that Adjustable Rate Note package, XXXX XXXX had originally included a document that said my rate would become fixed after six months. 

Approximately three months after I signed the note, XXXX XXXX went out of business and XXXX became my servicer. As soon as I received notice in the mail that XXXX had taken over my loan, I went to see someone in person to inquire about the changes. 

When we discussed the change from adjustable to fixed rate, the XXXX employee said he knew nothing about that. XXXX then said they would refuse to honor my agreement with XXXX XXXX, and never honored the interest rate change we had agreed on. 

Now Ocwen is attempting to foreclose on me, and is charging interest and fees based on rates that do not reflect the original agreement and grossly overcharge me based on incorrect interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I first disputed unverified items on my credit report on XX/XX/2015 with Equifax and mistakenly did not include my SSN card. I sent this certified and via fax. I received a letter on XX/XX/2015 requesting the documentation. I once again sent this information out via fax and certified mail, ( including my ID, SSN card and proof of address ) on XX/XX/2015 and once again received the same letter requesting for my ID, SSN and proof of address to be sent to them. I also received a letter on XX/XX/2015 stating that my fax was illegible, which I take to mean that the picture of ID that was sent was illegible. Unfortunately, pictures do not come through well via fax, which is why I sent everything certified each time. My issue with this is that after I resent everything and they confirmed it was received, they said that my SSN card was not in there. It was and I have proof of this as you can see in the fax that was sent. I also sent a debt validation letter for a bankruptcy on my credit and received a letter on XXXX stating that chapter XXXX bankruptcies stay on file for a specific period of time and to contact the court which posted this. According to my rights afforded to me pursuant to the FCRA, the CRAs are required to provide documentation to validate disputed accounts when I demand it. My written request for this was absolutely dismissed. I am getting the run-around from Equifax regarding my credit report and my rights are being violated. I also received a letter from Equifax stating that further disputes regarding one of my accounts will be ignored and is considered frivolous, although I have disputed this account only once in the passed and received no proof at that time either. I required proof of these accounts or they must be deleted. I am fully ready to take this to court if I must. 

Please see attached documentation.

Company response to consumer: Closed with explanation