milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Senex Services Corp. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Senex Services insists that I owe {$480.00} for a medical debt. They have refused to provide proof of this debt despite my several requests.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (CA).
Issue: Money was not available when promised

Complaint: Hello my brother and sister in law wired me {$4000.00}. from their XXXX XXXX account in Oregon to help me through a tough time i am going through. Citi bank will not release the wire to my account. For 9 days they lied to me saying wells fargo was holding the wire. Then on XXXX I spoke to XXXX in the Citibank wire dept and she admitted Citibank was holding the wire until my brother in law gives them all his information including his passport #. He has supplied them with all the information and XXXX now said the compliance has all the time in the world to review the information and when they are ready they will release it to my account. She told me they did not tell me the truth because banks talk to banks not to customers. I want my money it has been 7 days and they will not release it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am contesting that XXXX SYNCB is not my account. It has been openedwithout my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The hospital failed to send my medical bills to the correct address. I never received any bills nor did the input all my information as I have healthcare coverage that would 've covered the entire bill. They asked me for all my information and STILL failed to get it right. Now it has gone to collections and it is on my credit report because they failed to do their job. I have had so much trouble trying to get a copy of the bill.  One  gentleman I spoke with earlier his year asked me for the number on the back of my   XXXX   card and all my member information and assured me he would take care of it. Now it 's on my credit report and every time I follow up they tell me something different!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed an XXXX account with Enhanced Collections. I have never had an account with XXXX. I contacted Enhanced directly and asked them to provide proof of this account. They have not done that. 
I then disputed it with the bureaus and it remains. This is a violation of my rights under the Fair Credit Reporting Act.

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 05-08-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: Without notice,  XXXX   XXXX  sold my mortgage to a company calle d Loancare. Thus far I have had an impossible time making payments, as though they want me to defa ult on my loan! Despite having setup auto pay and schedule d one time payments none of them are being applied! Despite their " website '' stating otherwis e. Customer agents have no clue as to what the status of my payments are as they use the exact same poorly designed and outdated " website ''.     This company has no business handling my loan and their actions are bordering on discriminatory as I am a  XXXX  American and this issues are causing me great distress!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Other fee

Complaint: On XXXX/XXXX/2016 I closed the Bank of America XXXX credit card account ending in XXXX. An annual fee of {$75.00} was assessed to that credit card account on XXXX/XXXX/16. Upon closing the account, I was informed that the annual fee could not be refunded. I then requested a partial refund since the fee covers usage of the card for the next 12 months and aforementioned credit card account had been closed. Bank of America refused to provide a pro-rated, or partial refund of the annual 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 monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Over the course of the year XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XXXX & XXXX. I ask that all inquires be removed off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NM).
Issue: Fraud or scam

Complaint: This website claimed to be selling XXXX ( XXXX ). They requested a money gram transfer but never delivered the puppy.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Application, originator, mortgage broker

Complaint: HSBC has been holding me hostage over my mortgage since XX/XX/2008. I have been approved for over XXXX loan modifications since 2008, however, after each approval, HSBC fails to send me the modification documents and approvals, and continues to solicit me for other loan modifications, when there is a court order on file with XXXX County, SC, stating that HSBC is not allowed to contact me directly. More Recently, HSBC defense council, XXXX XXXX, has promised my attorney and I that she will expedite my loan modification. see attached letter. It has been two years, and XXXX XXXX has never responded to me or my attorney. HSBC continues to ignore me and my attorneys requests and we do not know how to proceed. I need to get out of this house and get out of this loan so I can move my life forward. HSBC has effectively ruined my life and my credit for the last 8 years. Can you help them to contact me or my attorney? Can you please sanction XXXX XXXX or report her to the bar association for her complete failure to do anything in my case? I am going to provide the proof I have been approved for a loan modification, and the proof that XXXX XXXX has done nothing to help the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a line of Credit with XXXX of XXXX, Ohio, XX/XX/XXXX, I was in the process of selling an old company, and was not getting alot of my mail, I was unaware there was a current outstanding amount owed to XXXX, on XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) filed suit against me with no notice, the address he used is not a valid address in the City of XXXX, it say 's some one signed for it but was not me and they could not make out the signature, per the court, I was not aware of the issue till I went to get a loan and a Judgement showed up on my XXXX credit files, so on XX/XX/XXXX, I sent a letter to XXXX and followed up with one of the Managers to resolve the matter, the manager understood the issues at hand and stated he would help resolve it, but he found out later that they had sold the account to the Law firm, and his hands was tied, he stated that they forwarded the letter to the Law firm, instead of trying to resolve the matter, XXXX XXXX XXXX, elected to file another lien to the bogus address, now because they where told to stop calling and harassing me, I thought that might be the reason the where not reaching out to resolve the matter, so I sent another letter with the offer to reach out to my counsel, we heard noting, less than 60 days ago, XXXX from there XXXX office ( XXXX ) XXXX at XXXX XXXX stating he was trying to collect this debt, when he told me who he was calling, I stated to him that I sent a stop order to the firm, he stated he did not care and that it was valid, I also told him that service was done to a bogus address, again he stated he did n't care, I told him that he was put his counsel 's law licences in to question he did n't care, I then reached out to XXXX, who want 's to do business with me again to see what they could do, they reconfirmed since they had sold it, they where out of the loop even thought they agreed that if they still had it and I was willing to pay the XXXX amount they would just remove it and clear the item, this firm has hundreds of complaints against them with mutiple states and agencies acrossed the country.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM XXXX XXXX. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR XXXX XXXX. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. 
I TRIED TO REACH OUT TO XXXX XXXX BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Bankruptcy

Complaint: Received XXXX forms dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Both debts were included in a bankruptcy which was discharged on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified is currently reporting a collection account on my credit file that was paid in full to the original creditor XXXX XXXX XXXX XXXX. Once i made the payment i was told they would no longer report this debt on my credit file. I paid off the old debt in FULL as well. 

this had a huge impact on my credit file, i 'm in the process of buying a house and the mortgage company said this collection is hurting me greatly

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: I have been a loyal member of the US Bank XXXX XXXX XXXX Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr. I would not be able to utilize the new benefit and am seeking compensation for this drastic change in the form of annual fee refund ( that I just paid ) as well as XXXX XXXX XXXX points credit that I would now need instead of using the bonus award night feature for XXXX of my trip planned this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a personal loan with XXXX/One Main in 2008. I was not informed by the company that a " refinance '' started the entire loan amount from the beginning of the loan. I have requested complete pay history from the company. I have paid a considerable amount of money on this loan and deem it paid in full due to the company 's misleading their terms of contract, pressure to refinance, and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting to the bureaus when I have a letter of deletion. XXXX is stating they sent proper documentation and I have also myself and so did A+ management, a company I hired to assist in my credit repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Federal student loan) with ConServe (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The student loan debt was collected by my tax refund offset for the full amount. ConServe withheld a total of {$92.00} between the XXXX loans by not paying the full amount offset. I believe this was to keep me in default so that I will pay the {$1200.00} in fees and costs they say is owed to them. But as far as I know once a student loan in collections is paid by tax offset they can not collect fees for collecting it because the debt is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Professional Bureau of Collections of Maryland, Inc. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Lender : Professional Bureau of Collections of Maryland , Inc . XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : ( XXXX ) XXXX I was contacted by this collection agency, on XXXX/XXXX/XXXX to repay a student loan I had that went into default in the amount {$5300.00}. The lender aggressively advised me that they had completed an " asset investigation '' and how much available balance was left on a credit card and advised me to max out my credit cards to make the payment. I was also advised to take out a title loan on my car for {$2100.00} to settle the debt and to make the payment. One of the " bosses '' that I had a conversation with told me about how lucrative of a business they had collecting debts and that 's the only reason he was still in that trade. I received a call today XXXX/XXXX/XXXX and was advised that my payment did not go through for an amount that was completely out of my range. I told the representative that I could not max out my credit cards and the amount requested XXXX was completely out of my range. I told them I was susceptible to making arrangements to getting the account current and making monthly payments. The representative told me that they did an " assest investigation '' and knew that I was employed and would seek alternative resources to collect the debt. I still want to get the account current and work so that it eventually gets paid off.

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 01/19/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.

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 monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with World Recovery Service, LLC (NH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call from someone saying they were near my house and about to drop off court papers that I should 've been made aware of a week ago. I told the person I was not aware of the papers and she gave me a phone number and a case number as well as a reference number which was the last XXXX digits of my social security number. I called and the person I spoke with said I owed money to " XXXX '' and that I 'd made payments and stopped making payments and now they were attempting to collect the debt. She grew increasingly combative and then hung up on me saying my recorded conversation would be presented in court. 

No one showed up at my house. 

I 've never had an account with XXXX. I called XXXX 's card services department and they do not have an account for me. This seems like an obvious attempt to scam me out of money. 

I also called my police non-emergency and they agreed that it was probably a scam. 

The company 's name is WRS. It looks like they have a legit website under World Recovery Services ( http : //www.worldwiderecovery.net/ ). The number I was given is XXXX. 

I did not give these people any money or personal information.

Company response to consumer: Untimely response
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute both online and over the phone with Experian about a credit inquiry that does not belong to me. I was spoken to very rudely by several representatives and refused help. I have a fraud alert on my credit file. This inquiry is not mine. The following inquiry does not belong to me : 1. XXXX XXXX/XXXX/2016

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 10/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: First off I was in the process of re-finance my home. I was taking equity to pay multiple loans off including Navient ( my student loan ). In order to close my title company needed a written pay off amount from NAVIENT. It became very difficult to obtain one. It pushed my closing date back just because of this. I had tried multiple times and so did my mortgage company. Was very frustrating and it seemed as if no one has ever paid a loan from NAVIENT in full. On top of that my balance went from XXXX to XXXX in less than 2 weeks.

Company response to consumer: Closed with explanation