milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: APR or interest rate

Complaint: I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at this The Address XXXX XXXX XXXX, XXXX Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with ERC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owed a debt to XXXX credit card which was turned over to ERC collections. They call me, harass me, when they hang up at my home, they call my cell and do the same. They have threatened to send me to jail then asked for my husband and threatened him. They call all types of the night after hours and even speak to my children.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with SECURITY FINANCE CORP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted several months ago about a payday loan my son had apparently made with a finance company in the town near where I own a house. When asked, they said my son put me as a reference. I told the girl at the finance company that I would contact my son because I knew nothing about him getting a loan, but if I confirmed made a loan with them, I would tell him to call her immediately. When I ended the call with the finance company representative, they were told, clearly, that I was not to be contacted about this matter again unless I was going to represent him legally ( I am a lawyer ). I then was shocked and surprised to learn from my son a half hour later that he did get a {$250.00} signature loan, and lost his job the week before I got the call. He had made some payments, but not once he was laid off a job. I knew the week before the call that he had become unemployed, but knew nothing of the loan, the girlfriend 's loan, or anything about money issues. I have received approximately 20 phone calls in the past 4 months since the first call. They are usually on a Thursday, but sometimes on Tuesdays and Thursdays in the same week, each asking me to have my son call them. This week ( XXXX XXXX, 2017 ), I had a call on Monday and today ( Friday ). I am being harassed over a loan I did n't make. I did n't know about and a loan and I would have told my son never to go to one of those rip-off places. AND I am not responsible in any way to pay back to loan or communicate with my son about the loan. I am not his lawyer, partly because I live 300 miles away. The collection agents are not demanding money from me, but they are doing everything to harass me to see if I will pay the loan for my son. The majority of the calls go to my voice mail, but I have talked with them on three occasions ( the original call, and two more ) and I have said the same thing - DO N'T CALL 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 explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, my husband ( now ex-husband ) and I moved into XXXX XXXX XXXX in XXXX, XXXX. We resided here until XX/XX/XXXX. We put in our 30-day notice to vacate our apartment due to the fact my husband had military XXXX that were XXXX him in XXXX. Therefore, due to the Servicemembers Civil Relief Act ( SCRA ), we were allowed to break the remaining term of our lease. 

XXXX XXXX refused to accept my husbands official military XXXX, and since have sent our account to Hunter Warfield Collection Agency to try and collect on a debt that we do not owe. 

I have tried contacting XXXX XXXX, who are the owners of XXXX XXXX XXXX and they have yet to respond. 

I am currently working with my local credit repair company to resolve some past credit issues and they recommended that I contact CFPB to step in and handle this situation for me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.

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 09-02-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other

Complaint: I paid my credit card on time and paid the balance in full every month. 

Now Capital One is saying there is fraudulent activity on my account because They are making no interest on my account. Although my account is paid in Full I ca n't use my account because they say they have to investigate fraudulent Activity. 

Capital One is Discriminating against me because I am XXXX. I want An investigation into Capital One policy of Discrimination against XXXX Who pay their bills on time and they do n't make any interest on them. 

Waiting to hear you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX issued me a credit card from Synchrony Bank I have never once used this credit card however they are reporting a balance of {$820.00}. 

Incorrect information and I want it removed from my credit account they are reporting bad things on my credit report

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 10-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other fee

Complaint: Applying for the Citi / AAdvantage Executive Card I called to ask when the Annual Fee was due. I was told it was due at the 6 month mark. So, I applied and received the Citi / AAdvantage Card. On the first statement I received the annual fee of {$450.00}. I immediately called them to tell them of the problem but, all they offered was {$50.00} off the {$450.00}. I told them what I had been told earlier but, I just got a " stock answer ''. I paid off the card all but the {$450.00} annual fee and then closed it. They sent me a letter saying the card is closed but they will still be charging me the fee plus accruing interest each month as well as alerting the credit bureaus. 

I feel I was tricked into getting the card and now being bullied. How can they charge a fee for something they have not yet provided? What 's more, something I will never receive? With interest on top of that. And threaten to wreck my credit if I do n't pay up. XXXX. I 'm not paying for something I did not and will not receive.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

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 05/15/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Requested an investigation in reference to a hard inquiry from XXXX XXXX on my credit report under Equifax. I already submitted an investigative dispute with Equifax numerous times with no success in removing inquiry. Next, I submitted an investigation with XXXX Billing and Credit Dept. via mail and received a reply via mail with no success in removing inquiry, pursuant to Sec. 604 ( F ) ( i ) and ( ii ) of the FCRA ( 15 USC 16816 ) according to reply letter. In closing, I contacted the Consumer XXXX Protection Bureau ( CFPB ), representative from before mentioned agency provided information in reference to this CFPB complaint, orientation provided via phone call and file a complaint in unison with the FCC via their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There was fraudulent activity on my card from XXXX. Synchrony bank charged me foreign transaction fees as well. When I told them of the fraud they refunded me for it, but did not refund the foreign transaction fees.

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 06/27/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan in foreclosure with Shellpoint Mortgage, Loan # XXXX, and I re-applied for a loan modification on XXXX XXXX, 2016. Shellpoint claimed that I reapplied on XXXX XXXX, 2016. Regardless, Shellpoint replied on XXXX XXXX, 2016 stating " Shellpoint Mortgage Servicing ( " Shellpoint '' ) has received your complete request for loss mitigation program. We are currently reviewing the package to determine if the referenced loan qualifies for one of our programs. We will contact you if we need additional information or, if during the evaluation process, we determined your package to be incomplete ''. 

Shellpoint Mortgage never contacted me since XXXX XXXX, 2016 about any missing document before I received a denial letter dated XXXX XXXX, 2016. In the denial letter, Shellpoint Mortgage claimed that I did not provided documented that we requested. THAT IS FALSE. Shellpoint never contacted me or my authorized representative in writing or via phone about any missing document between XXXX XXXX, 2016 ( when I submitted the application ) and XXXX XXXX, 2016 ( when Shellpoint sent me the denial letter ). The only communication I received from Shellpoint between XXXX XXXX, 2016 and XXXX XXXX, 2016 was a mortgage statement demanding payment for the arrears. Please see the attached supporting documents. 

Shellpoint Mortgage NEVER evaluated my application that I sent in on XXXX XXXX, 2016 and is now telling stories about contacting me for missing documents in it ongoing effort to take away my home via foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.

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 01/25/2018 about Debt collection (Medical debt) with Professional Finance Company, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/XXXXWed 2018 ... ( 7 in 3 days starting at 8 am from all different numbers ) They called and stated I owed over a thousand dollars. She started off by saying " this is what you owe how would u like to pay by check or credit ... '' I never caught her name and I did ask for it but she did n't give it to me. I still have no idea who they are or if they 're real. After reading on their reviews on XXXX it is AWFUL and encourage you to do the same. I never received an itemized statement or from who. I asked The lady if she could send me one. She kept talking over me. Told me they do n't do that after a few times of asking and stating I knew my rights she said " unless I send a written letter requesting one they will not be doing that ''. Why would I give out the last 4 of my SS, DOB, address and bank information to any one who wo n't identify who and what they are? Very very rude and intimidating. I called and left a message for a manager. No call back yet. I also told her my daughter has Medicaid if ( thats who it was for??? ) she could send me the dates of service, Bills or whatever I could provide my information and a plan for payment as well. I asked about email ... Still very rude and condescending, still no. Please if you can listen to the recording. Scary business tactics. Not a way to do business or help people like their webpage states. I have nothing to attach because I have no idea what they are referring to and if I have already paid the bills She was claiming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My friend XXXX XXXX and I, we had together a phone account on XXXX. A few months ago we decided to move the account to XXXX causing generating a debt with XXXX but covered by the XXXX XXXX XXXX because we were doing a Buy-Out. The XXXX company sent XXXX prepaid cards where XXXX were lost and we had to wait until the processed the new ones. During this time, the Company Amsher were calling trying to collect the debt for the XXXX account that was closed ( in around less than 3 month ) We explained to them that we were waiting the prepaid cards from XXXX in order to pay. XXXX XXXX, my friend, one day call me and says that a representative from Amsher was calling him continuously and he does n't speak XXXX, so I told him to allow them to call me directly. I spoke with a lady I do n't remember her name, but was the same lady all the time we spoke in many occasions, also we made a payment for around {$1600.00} with the XXXX first prepaid cards that arrived around XXXX 2017. On XXXX XXXX, 2017 this lady called me and says that I had to pay something in order to keep the arrangement they provided me, otherwise, will disappear, after making pression to pay something that day, I accepted to make a payment for {$300.00} for a debt that is not mine, that I am doing a favor, after the PAYMENT I told the lady that she has to wait until we receive the prepaid cards in order to pay the rest, because that debt is not under my name! Today, while I was checking my bank account, I found that my account was debited for {$1200.00} from AMSHER without any verbal or written authorization!!! they took the attribution to charge my account without know if I had money or not, without matter them if it would affect me or not, also I am traveling with my wife and my mother-in-law on Thursday XXXX, 2017, we already have the flights tickets and they had destroyed all my plans, because something that is not my responsibility and I am trying to help a friend mine, this IS NOT MY DEBT! 
My friend name is XXXX XXXX XXXX and the last XXXX number for his social are XXXX. There is no way to provide this information in this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have multiple loans thru Navient ( previously XXXX XXXX ), I 've tried working with them about payments but they will not budge they want more than I can afford, now I think they are going to try to garnish my wages without a court order

Company response to consumer: Closed with explanation