milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I was a member to Citi Bank Credit card, since XX/XX/XXXX member with a credit limit under {$30000.00}. After I lost my job in XX/XX/XXXX I got in touch with the credit card company and asked for help. I was told that I do not qua qualified to receive any help from the credit protection plan, even though I have been charged for a credit protection plan without my permission. 
My account was Illegally charged for so many dollars for so many years. I tried to solve this problem with the Bank through phone calls and letters. My first letter was sent to XXXX XXXX dated XX/XX/XXXX my second letter was sent to Citibank/card services XX/XX/XXXX and my recent was sent XXXX XXXX to XXXX . 
XXXX Credit Management Department. The latest contact that I had was done by phone calling the on the back of my card which is XXXX, After I gave them my name and the credit card number I was told that I was calling the wrong bank, the was the last time I tried to in touch with the bank.

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 04-10-2018 about Debt collection (Medical debt) with I.C. System, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.

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 01-05-2018 about Debt collection (Credit card debt) with Messerli & Kramer P.A. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NJ).
Issue: Taking out the loan or lease

Complaint: I was searching for a loan online and received an email from a XXXX XXXX XXXX claiming to be a Citi Bank Financial represenative. He said my loan was approved but because my credit score was low I had to pay the first installment so I purchased a green dot prepaid card and paid the fee soon after that I did not receive the loan. He then said the FDC was holding it because I owe taxes and that was what the loan was originally for. I then contacted the fdic and fdc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Problem when making payments

Complaint: This is my second complaint. 
They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. 
It was all relayed to him in turn he told his attorney about this information. 
They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. 
I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. 
They are denying it when I have proof from my ex husband and his attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with United Student Loan Assistance Center (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted after initially requesting information from the United Student Loan Assistance Center. Somehow, and I know it was stupid of me, but they got A LOT of PERSONAL INFORMATION from me ; including my social security number, debit card, etc. I have since filed a fraud report with the credit bureaus as well as cancelled my debit card and even filed a complaint with the Dept. of Education. I am now terrified after doing my research that I made a terrible mistake. 
This company wanted me to make payments, told me I was basically being irrational for being concerned and I felt pressured into giving that information out because " student loans are expensive. '' I had emailed the lady back and told her I was not ready to make that commitment. I then received calls from her manager and " the owner '' - if that was him. 
Before today 's experience I know that I had been contacted by this company before and I told them to quit calling and they refused ; apparently. That 's why I am in this predicament.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Medical debt) with AMCOL Systems, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just gained access to my credit report and noticed that Amcol Systems has damaged my credit. I have never done any business with this company, Nor provided any of my personal information to this company. Their are XXXX collections on my account that i never knew anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Application, originator, mortgage broker

Complaint: First, I would like to make a complaint against Chase mortgage, My wife of 21 years just passed away XX/XX/XXXX. The mortgage was in her name only this was because XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. Was unable to work for most the that year. then passed away. I have tried three time to make and assumption of said loan and Chase has denied said assumption, Stating XXXX derogatory records? XXXX length of time since acct delinquent? XXXX delinquent accounts, XXXX length of time accts have been established? but yet I have a XXXX credit score.. I thing this is discrimination of the first kind..

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: NAVINT has a debt against me. my concern is XXXX calls a day. despite the fact that i have stated I am unemployed to NAVINT. My further concern is these calls take place before and after times regulated by the federal government for debt collection. now they are calling my former employer, which I understand to be against the law. they also call my parents who never co-signed a loan. I have provided my contact information to NAVINT, yet they persist in contacting persons not responsible for my debt. I had a contract with NAVINT 's parent company XXXX XXXX ; which called for {$500.00} each month. this was a modification of my loan payments. before a year of steady payments was completed, my debt was transferred to NAVINT. I accuse NAVINT of violation of basic contract law, XXXX XXXX has transferred the debt to them in order to breach a valid contract. NAVINT is now intends to foreclose on my student debt. I request a single point of contact from NAVINT and a repayment plan via US Mail, which they refuse to consider an acceptable form of payment. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: My Amex account holder information was hacked allowing Amex to cancel my card, issue a new card to the person who hacked the Account Holder Information, closed my card. The person who Amex issued an unauthorized card has stolen through Gift Cards amounting to over $ XXXX- {$6000.00} per month, XX/XX/XXXX through XX/XX/XXXX. Amex express was notified however ; refused to protect me. My Amex Credi Card was opened XX/XX/XXXX. My Social Security number remains as the person responsible for this fraud and identity theft. XX/XX/XXXX I received a letter from Amex removing me from my own account, AMEX provided an unauthorized card to an unauthorized person on my account. Thus enabling over {$500000.00} stolen funds from my XXXX and myself. in Gift Cards and Other Transactions. Friday XX/XX/XXXX, one of the representatives were sending my case file to underwriting. However, I am harmed, my company has been harmed causing losses of almost {$500000.00} due to the negligence of AMEX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.

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 02/20/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,

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 07/30/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The IRS put the owed amount of a private loan on to my tax return to be paid back as a return. 
The school refuses to release my XXXX degree until the loan is paid. 
The guarunteed loan service refused to pay for my final semester to graduate and so I had to take out a private loan. 
Over {$XXXX} has been added to what was borrowed since the loan was made.

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 I.C. System, Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX. I received a debt collector letter how much I had to pay. I responded on XX/XX/XXXX. I requested for a validation and still waiting for respond. XX/XX/XXXX I found out it was reported on my credit report. The letter states that I have 30 days if I do n't respond they will report to the credit bureaus. IC System has violated the US Code Title15, Chapter41, SubchaterV- debt collection practices.They reported early to my credit bureaus at the XX/XX/XXXX day. Unfair and false statements. I contacted the credit bureau and sent in the docs and was removed. They do not have the right to do that. I looked in to the company and they really have bad ratings. This company should be fined for improper activity.

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 06/23/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Central Financial Control to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: This involves PayPal Credit ( aka " bill me later '' ). A refund of {$120.00} was never credited to my account properly ( ebay refunded on XXXX/XXXX/16 to paypal credit account ), and an additional {$54.00} has been improperly credited to the {$120.00}, it needs to be refunded back into the PayPal credit account. Several emails and phone calls have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar mortgage purchased my loan from another servicer in XXXX 2015. I have never received a mortgage statement or any other mailing from them. Shortly after XXXX 2015, I realized that the mail was going to another address in my town. This neighbor initially brought this mail to me but became so frustrated with my inability to fix the address issue that they no longer provide this misaddressed mail to me. I called NationStar for 6 months starting in XXXX 2015 through XXXX 2015 to correct the address mistake, each time they assured me it was corrected. I also sent XXXX letters to them requesting address correction, but nothing was done. I have been at the same address for 19 years and I live at the property address that the mortgage is attached to. This is probably the most frustrating customer service issue I have ever encountered in my XXXX years on this planet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To start I was going to a school called the XXXX XX/XX/2006. I am not a US citizen, however it was never explained to me that I would n't be able to graduate if I did n't have proper documentation so after two years I was told I could no longer attend but that I would still be required to pay back all my loans. I was young then and ignored everything and let the loans default. After several harassing calls from collection agencies through the years I finally caved in. I understand that I should n't have let them go into default but I still felt that they should n't have approved me for these loans in the first place knowing very well that I was n't a US citizen given the amount of time it tames to become one. One of the last times I got contacted by XXXX Services they told me that I could pay XXXX all at once and my entire balance would be paid off. My loans are over XXXX for all three. I told them they were crazy. There was no way I could do that. The guy I spoke to advised me to take out a loan with my bank or something and I told him that because my credit was so bad because of these defaulted loans I would n't get approved at all. He told me to figure it out and hung up. Again I started ignoring the calls and finally the last time the guy said that I could pay XXXX and the XXXX each month until XXXX and XXXX of the XXXX loans would be paid off. Then the larger one I will have to pay over XXXX for that and that I would have to figure out after XX/XX/XXXX on how to pay that back. Aside from feeling that I should n't have had been approved in the first place has been my last experience with XXXX XXXX XXXX. Just talking to them on the phone it did n't sound like they know what they are doing. They sent me a couple of faxes and at XXXX point they had my name and address wrong. I 'm afraid that i 'll pay this and when it comes to XX/XX/XXXX they 'll XXXX say that it was never applied to the principle and I have just been paying the interest down. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: a salesman from XXXX sold me a phone saying it was better and cheaper than my XXXX, said try it and if you do n't like it just send it back within 10 days to void your contract, i said OK and drove to my cabin in XXXX for a weekend and the phone had no service.so Monday morning ( 3days ) i sent the phone back XXXX ( insured ). billed 90 days later!!!!! and call XXXX and tell them the same thing ( give them all u.p.s.info ) ... 3 times, and 3 times said they would resolve it ... .now im in collections ( XXXX ) for a phone i never could use .... how is this possible? there just taking advantage of people.not fair ... ... .... : (

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: i have submitted a complaint once already about shell point mortgage and they responded by sending me a letter saying they received the complaint and were sorry, they said they were looking into the matter and would send me an update on my file asap. I still have not received anything they still wo n't return my phone calls and my home is going to sheriffs sale on XXXX/XXXX/2016 I finally got an e-mail from them last night at XXXX saying that my case was under review and to call with any questions I tried calling anyone I talked to could n't help me they had to transfer me to a specialist who is never there and never returns phone calls now I am down to the last min to get something done and I ca n't do a dam thing because they refuse to do there jobs. ( so much for keeping my home )

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