milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Debt collection (Medical debt) with TH Professional & Medical Collections LTD (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX / XXXX / 17  I contact ed Professional Med Clctn an d spoke with a lady by the name of  XXXX . I paid Account number  XXXX  in the amount of {$60.00} using my debit card and received confirmation number  XXXX  from her. I also paid Account number  XXXX  in the amount of {$61.00}, again on my debit card and was told to use the same confirmation number. That same day I also paid with my debit card on Account  XXXX  and received confirmation number  XXXX . I was told that they would update the credit bureaus with these payments. After reviewing my credit report today, I should that they are still reporting Account  XXXX  and  XXXX  A as not being paid. When I spoke with the company, they told me that the payment that I made had been applied to an old account th at was 15 years old and t hey could not make any adjustment. When I called in and spoke with  XXXX , I specifically told her what I wanted to pay and thought that the payment was being applied to these  XXXX  accounts. At no time did I approve a payment to be applied to an account that wa s 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report from Experian, and discovered that XXXX XXXX claims to have charged off an installment loan of mine. The date on the report that the account was opened ins XXXX/XXXX/2006. The account number on the report is : XXXX. 
The report indicates that it was a 60 month loan but there is no amount listed for the loan. 
I have never signed any documents with XXXX XXXX, and have not failed to pay any installment loan on time for any creditor. I want this error removed from my credit 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 02-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Fedloan is trying to collect for loans against me that have no master promissory notes. Years worth of loans they say I owe, but they have no records of promissory notes for. 

I 've repeatedly asked for documentation that those loans are actually mine, and they referred me to my school. The XXXX fifth time I made the request for documentation, they sent me a fraud packet. Fedloan said my only option is to declare fraud. 

I think they are trying to collect on loans that I never agreed to. I do n't know if it was the school that made the error, or Fedloan, but there are tens of thousands of dollars in loans I never signed promissory notes for, and I get nowhere when I try to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed a inaccurate public record with Equifax they failed to respond. I have been disputing this for almost a year. Each time they just ignore me

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (Conventional fixed mortgage) with MB FINANCIAL, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to refinance my mortgage and noticed that mb financial incorrectly had that my XX/XX/XXXX payment was 30 days late.. I called up to mbfinancial to inquire and their customer service personnel advised me that I was not 30 days late.. they requested that I send report showing 30 days late to them via email, which I did. They advised me that it could take 30 days to investigate at which time they would let me know something in the mail. I waited the 30 days and received letter stating that the XX/XX/XXXX payment was not late and would be removed from my credit report. I than checked my credit again and now they have that my XX/XX/XXXX payment was 30 days late.. which it was not also. I called customer service again and inquired why it was showing that my mb financial payment was 30 days late for XX/XX/XXXX they advised that it was not 30 days late for XX/XX/XXXX. They again requested that I send them a copy of my report showing that XXXX payment was 30 days late, which I did again. They said again that it will take 30 days to investigate after which time they will mail me a letter in the mail with the results of their investigation. It was still XX/XX/XXXX when I called them and they advised that there was no way that it could be 30 days late. This bank is continuously showing me 30 days late in error and having me email them my report and waiting an additional 30 days to get results. 
I have to continuously wait during this time before I can refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  AMERICOLLECT  XXXX   XXXX  Your company have violated FCRA  615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by i dentity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items  may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted fr om identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious AMERICOLLECT  XXXX   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your compan y Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act L itigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of Cal iforn ia Stop collec tion proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX   XXXX  SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (PA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: SoFi is advertising that the average consumer saved over {$17000.00}. This is predicated on optimal terms and the fact that a variable rate loan does not adjust. First of all, the optimal customer is not the average customer. More importantly, that statistical probability that a variable rate loan will not adjust during its life is nearly null. I would like to know, quantitatively, how many loans SoFi has issued that meet the advertised criteria ; delineated between fixed rate and variable rate. This is yet another example of how this company appears to be engaging in deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with WELLS FARGO & COMPANY (DE).
Issue: Payoff process

Complaint: I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: i have send a loan modification package to shellpoint on  XXXX   2016 . all requested documents were send to the bank on time i got a response from the lend er 2  weeks ago regarding my loan modification status shellpoint had declined my loan modification because they said i have equity i have ordered an appraisal report from a lisenced appraiser value came out at  XXXX  i also odered a pay off statement from the bank and i owe {$410000.00} i have no equity please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

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 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. 

This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. 

I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: I '' m filing this complaint against Wells Fargo N.A. for failure to engage in loss Mitigation. I was under approve for a modification in or around XX/XX/XXXX shortly after I started making payments. I was forced to retire from my job and I apply for my Social Security, which gave me a big reduction in my income. Which caused me to default. Now Im facing foreclosure which was file on XX/XX/XXXX. I engaged help from a HUD train Housing Counselor to help me get my modification reinstated. After we contacted Wells Fargo to request that my modification be reinstated along with my Housing Counselor they refused to work with me claiming that my loan was under ligation. She explained to them that my loan was in foreclosure and still under to redemption period Im trying to save my home. They totally refuse. My housing Counselor explained to me that she involved in a civil suit with Wells Fargo and she believes that was the reason why they claiming I was involved as well. My counselor informs me to made the call myself. I made a second call on XX/XX/XXXX to Wells Fargo they were very persisting about not being able to help due to the ligation. Upon asking which ligation they were referring to they fail to answer. Well Fargo demand that I seek out a lawyer, once again I ask the same question why do I need to hire a lawyer for a modification. They reply by saying because of the alleged ligation Im supposed to be involve in. Them they proceed to demand who am Im working with. Since they refuse to give me information concerning this ligation I refuse to tell them who Im working with. I feel like they have violated my civil Rights they are discriminating me due to my housing counselor, yes! I want to keep my home. Please 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 06/18/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: AD for a car on craigslist for XXXX. Contacted them about the car the dealer said to give address so he can contact the XXXX dealer and the XXXX dealer contacted me and gave me the steps to make the payment through money gram. I did. A day later I found out it was a scam. When I asked them for my money back they refused and continued to say that the car will be here today and there has n't been a car delivered here. The dealer also said he was a soldier and he needed to sell the car quick

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened a business line of credit with Chase after receiving their solicitation for such many years ago. After receiving the first statement with {$150.00} fee, I decided I did n't want it because of the annual {$150.00} fee and the high interest rate. The account has never been used and I 've tried on several occasions to close it. I thought they had closed it, but now after several years, they are refusing to close the account until I pay them {$750.00} in fees they 've racked up, and my branch manager told me they are going to keep it active and will keep accumulating the annual fees until I pay the fees they have already assessed. This feels very illegal, basically locking me into a product I do n't want so that they can continue to extort annual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Balance transfer

Complaint: American Express has decided to sell or transfer ALL their XXXX co-branded credit card accounts to XXXX. There is no option to continue with the current card. By doing this, XXXX customers ( Including me ) will now have to take a big hit on their credit report for not only closing an account, but opening another ( With the transfer ). They have done nothing to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with U.S. BANCORP (TN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX XXXX XXXX XXXX resigned from the XXXX XXXX XXXX. This left only myself XXXX XXXX XXXX as the sole Board Member and President of the XXXX XXXX XXXX. The same week that XXXX XXXX submitted his resignation to the Board I went down to the US Bank XXXX XXXX and asked XXXX XXXX XXXX to remove XXXX XXXX from the Homeowners checking account and showed him a copy of XXXX XXXX 's e-mail he had sent to me resigning. XXXX XXXX XXXX said he could not unless I supplied other documentation. I told XXXX XXXX XXXX at that time if XXXX XXXX accessed the account I would hold him accountable. He later called me and told me that he had talked to a corporate lawyer about it. When I asked for the lawyers name and phone number he backtracked and stated he had just talked to the legal " office '' that he had n't talked to an attorney. I called XXXX XXXX XXXX 's manager XXXX XXXX XXXX to complain that it was n't ethical to say you talked to an attorney about my situation when you really had n't. XXXX XXXX agreed and so I did n't file a complaint at that time. However, later XXXX XXXX went to the XXXX US Bank Branch and verbally asked to be taken off of the account. For some reason XXXX XXXX was not taken off of the account. On or around XX/XX/XXXX XXXX XXXX called me to tell me that XXXX XXXX XXXX had went to an " outlying '' branch and withdrew all of the money out of the account and close the account. XXXX XXXX said he was sorry and sent me this link to file a complaint. I have taken all of the e-mails/correspondence to the XXXX Police and they have filed a police report on this issue. As the President of the XXXX XXXX XXXX I was left with debt to pay from the account as well as the XXXX XXXX having to go through legal issues due to this.

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