milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone calls every hour from the same number attempting to collect a {$60.00} fee - which is a late fee on a contested late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have questions about the accounting transparency of both my previous and current loan servicers ( XXXX and XXXX, respectively ), regarding the way my payments are being applied to the balance and interest of my loans. 

In XX/XX/XXXX, I was informed that the servicing of my Federal loans was to be transferred from XXXX to MOHELA. I had been having some serious concerns about the way my payments were being applied by XXXX, and was unable to get satisfactory explanation either from their website, or via phone. When I found out that they were going to be transferring the servicing, I immediately emailed them ( via their website, as you ca n't send them a standard email ) requesting written statements, showing my payment history and how those payments had been applied, for the period that they had serviced my loan. 

Their reply : " Due to the transfer, the information you requested is no longer available ... Please contact MOHELA. '' So they suddenly are no longer required to give me records of what they 'd been doing with my payments ( over {$500.00} a month! )? 

I then contacted MOHELA, and requested that they mail me my records. Their reply, as of XXXX XXXX, XXXX : " We have submitted a request to XXXX to have my prior payment history generated. Please allow 7-10 days for this request to be processed and sent to you. '' I have now emailed and called MOHELA multiple times, and have yet to receive my records, as of XXXX XXXX, XXXX. 

Of note : the last time I spoke to a MOHELA representative, she told me that the company had taken over the servicing of something like XXXX loans from XXXX, and about XXXX of the borrowers had also requested their written payment histories. 

I am making full graduated payments on my loans, and when I checked the balance yesterday, it had somehow risen over {$7000.00} since I last viewed it a couple months back. As I said, I am sending them well over $ 500 monthly, and I would like an explanation of where my money is going.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently did a chapter XXXX and the other credit company XXXX my information that was filed but Equifax removed some then put backon there saying that filed it as being placed under my chapter XXXX come to find outshe did it a Satisfied Judgement not she said after 90 days no changed in my sscore hopefully it will. Then told me I had to join Equifax to get the realscore not a third party. Never Heard such mess. Hopefully they will fix becausemy discharge is up but still have thing that was disputed open?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland credit management L.L.C continues to report a collection account on my XXXX credit report even though the original creditor has removed the charge off from my account. I disputed the account " does not belong to me '' and was deleted from XXXX XXXX. I have never received any form of verification from midland funding regarding this open collection account.

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 EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I was aggressively sold an installment loan by Wells Fargo, told it would save me money on my maxed out credit card. Turns out the interest rate was 11 %.

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 12/15/2016 about Debt collection (Credit card) with The CFM Group (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Got a call from Consumer First Management Group and spoke with XXXX XXXX at XXXX. He threatened to sue me and garnish wages and get a judgment against me for a debt that was from XXXX, that I repeatedly told him was not mine. He has been calling multiple times and contacted my wifes place of employment and gave her all the information on the account even though they stated that I was the only one on the account and that the bank had written off the debt in XXXX. I asked multiple times how I could resolve this legally and why they were harassing me if the company had written it off and requested that they send me whatever documentation that they had and information on how to dispute the account and the debt. He told me that the only way to get out of this was to pay it all. The disturbing part is that they had all of my personal information and when I asked what it would take to resolve he told me that we had good jobs and made good money so he wanted all of the XXXX and that it would be XXXX after they took me to court with court costs. I looked up this company on XXXX and it looks like they are a scam. Can you help me validate this company or put them out of business if they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with National Credit Systems,Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, Experian and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks

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 06/28/2016 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: Rewards

Complaint: We closed our previous Wells Fargo Cash-back credit card ( with XXXX balance/credit ) so that we can take advantage of the Rewards Visa Signature credit card with six months promotional XXXX % rewards on Grocery, Gas Station, and Drugstore purchases. Wells Fargo employed the bait-and-switch tactics to deny our promotion without any rationale. 
XXXX We demand WF provide us the promised full six-month promotion on our new WF XXXX Visa Signature card!!

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 09-07-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Midland Funding LLC has fraudulently claimed to the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX XXXX, XXXX, and XXXX ) that they have received a Final Monetary Judgment in the Michigan Court ( XXXX XXXX XXXX District Court ) which they have not and which is completely fraudulent. This intentional fraud on their part has destroyed my Credit Rating and has caused me great monetary damages due to their intentional fraud. I have attached physical evidence. 

The Michigan Supreme Court has asked the Michigan District Courts to suspend all actions of Midland Funding LLC in their Courts while the Federal Govt. currently investigates their fraud ( I have attached the Court Case which shows this suspension by the Court ). The XXXX County Court ( XXXX District Court ) has suspended all actions by Midland Funding LLC in their Court. Despite this case never being settled and no judgment ever being granted or settled, Midland Funding LLC went ahead and fraudulently ruined my credit with the XXXX ( XXXX ) National Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) and fraudulently reported to all three that they had received a final judgment from this Court which is completely untrue. I have reported this fraud on their part to the Court as well. 

I would like to proceed with this Complaint and offer the CONSUMER FINANCIAL PROTECTION BUREAU this physical evidence of all the above and all of the additional claims that I have regarding this continual fraud by Midland Funding LLC. I also feel that they have no rights to this case or claims that they have purchased this debt from any Credit Card company and the dollar amount that they have claimed is fraudulent as well. I am not responsible for this debt and it is a fraudulent debt that they have reported as them being the new debt owners of. They have inflated this debt with tremendous additional charges and fees they have just added on or attached from almost a decade past from a previous divorce that I am no longer responsible for and tacked these fees on to their fraudulent claims with their fraudulent lawsuit from any original debt amounts. I do n't believe they legally purchased any of these debts and have no proof of their ownership of this debt and the amount is not accurate and inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MD).
Issue: Managing the loan or lease

Complaint: I knew the stipulations to taking out a installment loan ( air quotes ) long term payday loan. I decided to do so with Big Picture loans aka Castle Payday loans. I made my first initial payment of {$200.00} which covered the finance fee and an additional amount to go towards the principle. Now it 's time for the 2nd payment due and I want to make the same payment. Per there instructions you have to notify them 2-3 business days before the payment date, in which I did. I get an email back from thing 2 days later explaining they had a high email/call volume sorry for the delay but they already processed only the finance charge. This seems like a crook move to me so they can get more money out of my pocket. Something told me to not do business with the company, but I had a bill that desperately needed to be paid. I do n't like the deception in this company. Not to be disrespectful but the customer service people can barely speak proper English and I feel stupid to have even started doing business with them for the almighty dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I May or may not be part of the Equifax credit information hack. I can not be certain since its been shown reliably that the Equifax verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like XXXX XXXX have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is  astounding.. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with Valley Credit Service, Inc. (OR) (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX I received a notice of garnishment in the mail. Until that time I had been unaware of the debt, a {$500.00} line of credit I had opened in XX/XX/XXXX at Oregon XXXX XXXX XXXX when I was living in Oregon 14 years ago. I had completely forgotten about it, and I never received any notices for any hearings or judgments. Upon receiving the notice of garnishment for the total amount of {$1600.00}, I contacted [ collections agency ] and worked out a payment plan of $ [ XXXX ] a month, to be withdrawn by [ collections agency ] on a monthly basis out of my bank account. I checked at the end of the month to make sure the payment had gone through successfully, and it had. On XXXX XXXX, XXXX I received notice from my bank that [ collections agency ] had withdrawn the entirety of the money in the account, totaling $ [ XXXX ]. When I called [ collections aghency ] to inquire about this, the representatives confirmed that they had received the XX/XX/XXXX payment but said they had not withdrawn any subsequent monthly payments due to a mistake in their records, and upon realizing their mistake, they withdrew all of the money in the account instead of just the missed interim payments. Though they acknowledged that it was an error on their end, they told me I should have known of the error and found another way to pay them somehow, and then they demanded I pay the remainder of the total amount of the debt immediately. Throughout our interaction, the representatives were extremely verbally abusive. They told me I was cheating the credit union and said multiple times that I was irresponsible, even though I had willingly set up a payment plan as soon as I became aware of the debt and then made sure there was enough money in the payment account for my monthly payments. I informed them that I am not able to pay the total amount and asked if we could work out a settlement or a new payment plan with the terms in writing this time. In response, the representative demanded my paystubs, home information, and other personal information and would not tell me why they needed it. They said it was their standard practice and they would not work with me until I gave them this information, which I did not feel comfortable doing. I know there is a garnishment order and I want to do the right thing, but I can not afford to pay the full amount ( especially after they emptied my account ), and I am not sure what else to do at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 wrote to Equifax about an incorrect inquiry that was displayed on my credit report and they did an " investigation ''. They said the company did verify that I made an inquiry so it was correct. When in reality this same company  XXXX  did their own investigation and deemed the inquiry incorrect and sent me a letter that they would delete the inquiry and send a request to do so to the credit bureaus. The other credit bureaus received and deleted the inquiry but Equifax will not do so. They are reporting false information, I never tried to obtain a loan or get a car at that time I do not even posses a license at this time nor then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After reviewing my credit reports, I noticed a collection account from PYOD aka Resurgent Capital Services. On XXXX/XXXX/XXXX, I sent a letter to PYOD asking them to validate this debt with my signature and to prove that I was obligated to pay them. They responded back with a letter saying the debt was mine and needed to be paid. I wrote a letter again on XXXX/XXXX/XXXX again asking them to validate this debt. Again, they failed to provide a proof of signature, but continue to claim that I had an obligation to pay them, which I do not. This collection account is still reporting negatively on my credit report as of today, XXXX XXXX, XXXX, and is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: Photo-deposited a check on XXXX XXXX XXXX. When I looked at my account information a record of the deposit was not on the account. I then call the TD Bank and was told it will be 7-14 days before the funds will hit my account and the deposited check will be put on hold until that time. I instructed my bank to not use my photo-deposit because I could not wait 7-14 days for money I needed ASAP. TD-bank said okay, and I cashed check at a check cashing place. 2 weeks later I see a deposit for XXXX ( the amount of the check ) and I called the Bank again to take the money out of the account. They said it will be out in 3-5 business days. After another week the funds were still in the account and I called TD-Bank again to have the funds recalled and they said it will be in a day or XXXX on XXXX XXXX. I never heard from TD-bank again and come XXXX I used some of these funds not realizing they were still in the account. Finally XXXX XXXX!!! XXXX TD-Bank debits XXXX dollars from my account leaving me with a XXXX account balance! I called them to work out a payment plan but was told that is not possible. I have a baby and a mortgage and TD-Bank just about ended our lives. Then they charged me a XXXX dollar over draft fee to add insult to injury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Student loan (Private student loan) with SLM CORPORATION (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: At least twice in the last three weeks my husband has recieved a call from sallie mae. I recieved a student loan in XXXX with my name being the only name on the loan. I have never lived in a community state. They were trying to recieve payments and told him to verify my birthdate to recieve all of my private confidential financial information. I have never sign or voiced permission for them to speak withanyone on my financial information. I understand myself getting calls to pay the loan that I am not able to pay currently but they have no right to contact my husband nor give him my finacial information, as well as bother him at work. That is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation