milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase credit card : ending in XXXX I paid off my full balance and closed the account XXXX XXXX XXXX. 
I still incurred a {$19.00} annual fee after this date. I was unaware and did not log back into the account. I got an email on XXXX XXXX XXXX stating my account was overdue. I called XXXX XXXX XXXX and was told by customer service rep that I was late on the fee of {$19.00} and was charged an additional late fee of {$15.00} on top of the {$19.00}. 

I went ahead and paid the overdue amount and told the rep to close the account again. I also noticed Chase Credit Card had put a negative hit on my credit report. 

This is not fair practice. How can I incur charges/fees after I already closed the account a month prior, they should have waived the late fee since the balance was paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Today, XXXX XXXX, XXXX, one day after the auction of the unsecured debt ninety months past due related to the XXXX Deed of Trust which Bank of America has represented to me no principal balance exists, I have had to deal with a man driving a blue XXXX XXXX claiming his client bought my property and home. After he tried to open my front door without knocking, I told him to leave as he is trespassing and not to come back. I also informed him his client may have bought a debt, but he did not buy this property as this property was not used as collateral to secure the debt once incurred under the terms of the XXXX Deed of Trust and to contact Bank of America to get the details related to the XXXX Deed of Trust, California Homeowners Bills of Rights, Fair Debt Collection Practices Act, and Adverse Possession. 
Additionally, Bank of America has committed multiple acts of fraud related to this account, including dual tracking. But for dual tracking, I would not be subjected to the unwanted traffic upon my property and disruption of my quality of life. It is because of dual tracking, the recording of the Notice of Default, subsequent Notice of Trustee Sale and the Trusstee 's auction, I can get no rest nor peace, night or day. 
All previously mentioned resolutions are desired and required, including a brand new home built on the subject property complete with landscaping as it is no longer a place of peace, security, and tranquility.

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 01-10-2017 about Consumer Loan (Installment loan) with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Taking out the loan or lease

Complaint: I was APPROVED And funds were never given but now I 'm being charged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have called Equifax 18 times each person puts me on hold or transfer me over and over they lie and now they have told me to break the law by calling my creditors and asking them to remove items off my report I have a split file and they are refusing to combine my report because they say it 's to long they have 52 lines so they are refusing me and my creditors access to my file which is against the law I am seeking legal counsel but until then I will use the platform as well as the BBB This is the worst company I have ever dealt with please help

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I had a prior case with XXXX XXXX and I tried numerous times at your request to try and work with them. They wanted more than I was able to afford for payments. 
They over talk you and interrupt if you tell them it is unreasonable. They even threatened on occasion. Now they sold my file to Portfolio Recovery Associates LLC and even though XXXX told me it was written off the amount has grown even larger. 
I emailed my situation to them and they did there investigation and decided I have to pay them. 
I still do n't know why XXXX would n't work with Debt Helpers knowing that they would have been paid in full but at a lower interest rate. Every credit card did work with them and the mortgage got modified despite them. Do I have to pay this other company now? 
I read about them and they like to sue people.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with TD BANK US HOLDING COMPANY (NJ).
Issue: Fraud or scam

Complaint: In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. 
I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was approved for an American Express XXXX credit card under a promotion where I was to receive XXXX reward points once I met the spend threshold of {$5000.00} within 6 months. As of myXX/XX/XXXX cycle end date, I had met the threshold by spending {$5200.00}. Each time I contacted American Express they confirmed that I had satisfied the conditions to receive the XXXX reward bonus. They promised I would receive the bonus by XX/XX/XXXX or XX/XX/XXXX. Its nowXX/XX/XXXX and I have n't received the reward bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I received a letter from Credit Collection Services concerning a dept of {$800.00} that I did not owe. On XXXX XXXX, XXXX, I called CCS and addressed my concern that I do not owe this account and the information they have is incorrect. I also asked them to send me any documentation they may have concerning this account. I also sent them a fax the same day pertaining to the conversation and the request of the documents. I never received anything from them. Two weeks ago I went and apply for a loan for my business, and I was denied because of that collection in my credit. This report had caused a very big burden to me and my business. I have been waiting for that transaction for two years and now I can not move forward with it. Please help me resolve this issue. 
Thank you very much XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with M&S Recovery Solutions (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company is trying to ruin my life. They call and threaten me all day, and for the past month, have been calling ALL of my family members up the entire XXXX XXXX. They will NOT validate debt ( If there is even a debt ), so I have no idea what they want. The harassment is getting so bad that I am seeking legal counsel next week. I just want them to stop calling my family and validate whatever debt they think I owe them. I did a complete debt consolidation two months ago so I have no idea what they want. They use threats and unethical practices and I have no idea how they are still in business. I am horrified by this company and what they do to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with with JPMorgan Case Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Medical) with Source Receivables Management LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Source RM Receivables repeatedly calls me for what they claim to be a {$300.00} from a XXXX Hospital in XXXX XXXX. I dispute this bill as not mine or owed as I was insured at the time. In addition, they continually refused to provide me with their company name/ contact information/ and repeatedly refused to provide me with a supervisor to speak to ; just put me on hold and had the same representative I spoke to 'pretend ' to be a supervisor, when I repeatedly stated I do not owe this debt they stated they would put my account as 'refuse to pay ' as opposed to actually verifying any information with me regarding it being a legitimate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Th SYNCB/BELK account that is reporting on my credit profile is not my debit. The account was sold to XXXX XXXX. The XXXX XXXX, cased was dismissed in the County Court in XXXX County, Florida because the signature did n't match. <P/>The CASE NO : XXXX ; therefore this FRAUD debit should be removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Trouble during payment process

Complaint: After refinancing my mortgage a few years ago, the loan was sold to Freedom Mortgage. For much of the past two years of this relationship, this company has a knack of not properly applying my payments. I 've made more than 2 dozen phone calls to rectify these misapplications, have spoken to managers, and have submitted a formal complaint. Since their response to my letter, they have screwed up the subsequent 3 monthly payments. They choose to ignore what I write on the remittance advice and now thanks to their own advice, even instructions on the memo field of the check. Alas, they insist on applying my monthly payments to future months and curtailing the remainder rather than applying all the additional funds to principal. If I was no longer concerned with the accuracy of my account, I wonder when I make my final payment around the summer of XXXX whether I will receive the title then or when they have my payments applied out to sometime in XXXX. I am not interested in making double payments each month to escrow and interest ; I want my house paid off ... and not have the XXXX incorrect when I have to do tax preparation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WA).
Issue: Managing the loan or lease

Complaint: I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. 
They had said to make a certain amount of payments.. one was approx. 
{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. 
Now, after all is said and done, my account did not remain in goodstanding and my credit was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Federal student loan servicing) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sallie Mae is engaging in harassment tactics to attempt to collect payment. From having XXXX, I know that it is not legal for companies to engage in such practices. They call me several times PER DAY, and many of the calls are during work hours. This is completely inappropriate. It is also entirely inappropriate for them to call my mother during business hours. As of today, I have written them a letter demanding that they stop immediately. I will file an additional complaint if they do not adhere to my demands. Any of the times I have answered their calls, their agents have been incredibly rude and/or condescending. I will not stand for this kind of treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been getting the run around from Experian regarding inquiries. Experian has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Experian a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. The 5 inquires are XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/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 04-05-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by XXXX who advised that he was a processor hired to deliver a court summons. He was hired by XXXX and their number is XXXX. I contacted this company to request that they not contact me at work and they were not cooperative. I was also advised by this company that I was being charged with a felony for intent to defraud a financial institution. I once again asked that they not contact me at work and contact me on my cell. The representative ( man ) that I spoke with asked me if I was " XXXX ''. He would not provide me with any additional contact information for their company. I disconnected the line due to the verbal abuse. My summons number according to this company is XXXX.

Company response to consumer: Closed with explanation