milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclays Bank Delaware ( Barclaycard ) which I have had an account for two years with in good standings. Decreased my credit limit by close to 1000 due to a high revolving debt. I have not used my card for over 6 months and have never been late on a payment. By decreasing my limit that affect my credit score. They did not give any notice of change until I called with minimal to no explanation. They constantly increased my limit and they cant just change credit limits without negative doing of the consumer.

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 07/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase applied my payment to the wrong account. the problem is they have not taken the 30 day late off of my credit reports yet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX representative had been sending me information to sign up for their service. I called to do so. They scheduled the appointment to come on a Saturday. On Friday I got a call from their collections department that They were not coming because they claimed I owed them {$760.00} for a residence that I had never lived at. I explained to them that it was fraud. They told me that I needed to fill out an affidavit, to check my credit report, and file a police report. I did all of that. I called back asking them when they were coming and they still said I owed them money even though it was fraud. A month later I applied for a loan and XXXX was showing on my credit report as a collection account sold to a third party ( Diversified Consultants ). This caused my credit to drop XXXX points! 
XXXX used my personal information from a fraud affidavit to enter a debt on my credit report that I told them was fraud. XXXX installs services without requesting ID, when they found out it was fraud they still attempted to collect from me and hurt my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I financed my house with a 15 yr, fixed rate mortgage and have paid mymortgage on time every month. Further, I have paid an additional $ XXXXto principal with each loan payment since the inception of the loan. 
Normally on fixed rate mortgages, the interest decreases while thepayment to principal increases as each payment is made. On theservicing of this mortgage, the interest that I pay fluctuates with everypayment and does not steadily decrease. For example, the interest thatwas posted on the statement dated XX/XX/XXXX of {$100.00} isslightly higher than the interest posted on XX/XX/XXXX of {$100.00}. Ibelieve that the allocation between principal is calculated incorrectly for afixed rate mortgage. I wrote to BB & T and received a timely response, but the letter does not address my concerns it merely cites that it is incompliance with CFPB regulations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: equifax enrolled me when i did not click on enroll

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I informed Central Financial Control & provided Police report, this debt is not mine and collection activities should seize, despite their response that they would seize collection activities, they are still attempting to get me to pay this debt which is do not owe. 

the threats they made are a violation of FTC rules and continued efforts to collect on this debt is a crime, it is not owed by me and they failed to provide me proof or identity presented on day of

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company XXXX is reporting that I have an outstanding balance with XXXX XXXX Apartment, attached you will find that XXXX XXXX responded to XXXX that I do not have an outstanding balance with them. I have disputed this information several times with the credit bureau and they have replied each time that the information that XXXX XXXX is reporting is accurate. If the company has replied stating there is not a balance with them then how is the credit bureau confirming that the information that XXXX XXXX is reporting is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. 
On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. 
On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. 
Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. 
I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. 
Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. 
I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. 

Sincerely, XXXX Enclosure ( XXXX )

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

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 09/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation