milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon pulling my most recent credit report It came to my attention SW Credit Systems had reported a debt for collection on my report. Knowing the debt is n't mine I disputed with the creditor to have it removed or verified but did not receive any competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.The letter sent was not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of the account on my credit reports. SW Credit Systems was and is non-compliant and in violation in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Payday loan () with Red Cedar Services, Inc (MA).
Issue: Charged fees or interest I didn't expect

Complaint: Received a email from 500 fast cash about over due balance and do not understand was paid last year They have never contacted me by phone and this email was from today

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call at my mother 's home, on her answering machine. It was an automated call, looking for me, about collections. I have nothing in collections. A week later I got a letter in the mail demanding I pay {$52.00} to " Credit Protection Association L.P. '' because XXXX XXXX turned over a debt to them. I do n't owe XXXX XXXX anything and my name is NOT on the utility. This is a fraudulent attempt to collect money I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I am submitting a formal complaint against a company known as, " Phoenix Financial Services LLC. '' XX/XX/XXXX, I observed that I had a collection agency by the name of Phoenix Financial Services reporting to the Credit Bureaus as debt. I immediately researched the company to resolve the issue. I spoke to a customer service representative by the name of " XXXX '' and asked her about the account in question. XXXX informed me that she only collects a debt for the original creditor. I asked XXXX, who was the original creditor. XXXX stated the original creditor was a doctor or hospital. XXXX  stated, she did not know but she could provide me with a settlement offer. I asked XXXX about the settlement, due to the fact I do need to remove this item regardless of, I am trying to purchase a home. XXXX stated she could settle the account for XXXX dollars and write off the remaining amount. XXXX also stated that I need to hurry up and make a decision to accept the settlement cause she did not know when the company would get rid of my file. I asked XXXX if she could provide me with validation of the account. XXXX stated, I will email you. I received ONE email with a settlement offer attached. This is the last I spoke to XXXX in regards to this account. I still am unaware of the original creditor or how it 's validated to be my account. The company reported that my account was opened XX/XX/XXXX, today, XX/XX/XXXX, I received a letter from Phoenix Financial Services dated, XX/XX/XXXX, stating that they have verified my account with the original creditor with a " Statement of Account '' that I received with a date of service, XX/XX/XXXX. The Statement of Account states that the " Statement Date '' is XX/XX/XXXX. I have never received ANY form of statement, validation, or so forth.
I would also like to state, if this is a MEDICAL debt that I am legally responsible for, the service date for XXXX XXXX, should have been covered by his medical insurance, which should have been billed Texas Chip Medicaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to do a short sale for nearly 2 years and Wells Fargo keeps making us start again and send the same paperwork over and over again! They have received XXXX buyers to which they refuse the offer each time setting an BPO saying the current has expired. 
We have reached out to the executive office and they keep appointing ineffective staff that do not help.

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 Money transfer, virtual currency, or money service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (NV).
Issue: Unexpected or other fees

Complaint: I started working with XXXX XXXX XXXX to finally get out of debt on my credit cards on XXXX/XXXX/XXXX, the company was going to work with my credit cards to pay them and get out of debt, XXXX deducted from my account {$480.00} each month. I was unable to make more payments on XXXX/XXXX/XXXX and cancel my account. I received a check on the mail from the company with my refund but Global Client Solutions charged me fees of $ {$5100.00} almost 80 % of what I deposited for 16 months to pay the debt, Now I have the full debt and no money to pay. 

Global client Solutions its taking advantage of the situation and taking the limited resources I have to pay the credit cards, the offer me help, but now I see they just took advantage of me, and who knows how many people out there.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX Experian and XXXX have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.

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 09/21/2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Global Credit And Collection Corp has been calling us daily sometimes XXXX a day for over a month now. When I answer it is a recorded message telling us they want us to call them about debt. We do n't owe any debt in collection? How do I make the calls stop?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I was misled by Santander Bank about the extra 20 checking account. I would n't have opened the checking account and moved all of my banking if I knew that the promotion was temporary.

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 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check

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 04/21/2015 about Consumer Loan (Installment loan) with U.S. BANCORP (CA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, XX/XX/2015 my father and I went to USBank XXXX XXXX XXXX XXXX, CA XXXX to apply for an equity loan with our Florida XXXX House as collateral if needed. My father 's XXXX house at XXXX XXXX XXXX XXXX XXXX, Florida is appraised for {$750000.00} and is paid for. We were applying for {$60000.00} for repairs we 're been doing since last XXXX. XXXX XXXX and XXXX was assisting us with collecting the information we brought with us to the bank ( w'2 's and property tax for Florida property and income statements. We were told that it takes about XXXX days for process to be completed. I received a call on the same day XXXX/XXXX/XX/XX/2015 at XXXX XXXX. from XXXX stating the loan was denied and he did n't have a reason as to why. On XXXX/XXXX/XX/XX/2015 I went back to the bank and XXXX told me that the computer denied the applicatin, and still no reason was given. We feel as if the loan was never given consideration. Unfair practices and when I call and insisted on a denial letter or reason, none was given. WE are XXXX XXXX and have combine income over {$7000.00} monthly income. We are able to repay the loan and other information was never collected or considered. I 'm requesting an immediate investigation be given against XXXX XXXX and XXXX at US Bank and the denial be overturned immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a contract with Portfolio Recovery. I am not responsible for the collection for the debt with XXXX XXXX. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I had filed a dispute with Experian but there has been no update. I need these hard inquiries off and seems like there is nothing that has been done. 

The hard inquiries are XXXX XX/XX/XXXX, XXXX is one there twice when it is only suppose to be on there one time. I do have a credit card with them. Also XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: on my XXXX credit report.i have disputed collection charge its my son they want investigate my dispute. so, i call both company and they tell me its my son account they keep leaving it on my credit report its under his social number they want take it off.and their is a creditor, i pay every month this on and they have no data for XXXX months or more they are not treating me fairly its like they can do whatever they want they in charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit line increase/decrease

Complaint: I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: My wife and I sent investigation requests to the credit bureaus in early XXXX. We have yet to receive our deserved responses.

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 10/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent po report inaccurate infomation all doc 's sent to the credit company

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my   XXXX   credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had (  XXXX  )  XXXX  bills sitting i n collections.The debt collect or furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  RECEIVABLES MANAGEMENT    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: These people were told not to contact me. They are calling all the time! I want it to STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I worked with Navient to reduce my student loan payments on an income based plan. I got a letter stating that my payments would be {$0.00} per month ... but I am still being charged a {$180.00} per month fee, stated as a " Life of loan '' fee.

Company response to consumer: Closed with explanation