milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KS).
Issue: Fraud or scam

Complaint: I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On  XX/XX/XXXX  2017  I got  XX/XX/XXXX tattoo  at   XXXX   XXXX   in   XXXX   XXXX  , NV for {$350.00}. They then also without my authorization charged my card for {$870.00}  and forged a signature. They have documentation proving I was there for   XXXX  ta ttoo ONLY and no itemization to back up any of their claims of whatever they charged me for. I disputed the charge with Chase, but because of the fake signature, they will not help. I have tried to report this to BBB with no luck.
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In addition, the tattoo I paid for got  XXXX  and I spent {$150.00} dollars treating the  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Auto debt) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is in regards to a loan that has since received a default judgment against my husband and myself. The loan was originally for {$42000.00}, signed in XXXX. The debt was paid down to below {$30000.00} when this was sent to court and now has accumulated to over {$57000.00}. We lost our business in XXXX, where shortly after my husband moved to XXXX to work. Shortly thereafter, we separated and I moved to XXXX  to help take care of a grandmother who was in the late stages of XXXX XXXX. She died in late XXXX and I moved back to XXXX in XXXX. Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from Associated Bank to an attorney who filed a judgment against us in XX/XX/XXXX. They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time. Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to XXXX XXXX XXXX in XX/XX/XXXX. We were NEVER sent any paperwork on this account when it was sent to either collection agency! The only time I knew about XXXX XXXX XXXX handling this case was when they stated garnishment proceedings on my husband inXX/XX/XXXX. I did not know then that we could send a verification letter to these companies to verify the debt with them and now XXXX XXXX XXXX  says that I am entitled to a verifaction letter as it is past the 30 days notification! How can that be when they never sent a letter to us regarding this debt?!!! I have sent all information to the judge handling the case as well but nothing has been done. This is not right and I would like something looked into regarding this. I should be entitled to a verification of the debt from XXXX as well as XXXX, yet neither one will give this information!!!! XXXX XXXX XXXX continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Medical) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Found a doctor bill on my credit report that that was sent to a collection center that should not be there, it should of been sent to my insurance company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account it's obsolete and should be remove from my credit files, as exceed the max of 7 year in my credit file in TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: As in my previous complaint, briefly, XXXX XXXX inappropriately removed my loans from repayment program and sent them to full repayment in XX/XX/XXXX. They subsequently debited {$4000.00} from my account without warning. They capitalized {$15000.00} in interest in XX/XX/XXXX and again capitalized {$40000.00} in interest in XX/XX/XXXX. After many complaints from myself and my Congresswoman as well as a formal apology letter from the Department of Education, they finally admitted their wrongdoing however did not reverse their financial mistakes. They always claim they are going to reverse my capitalized interest and that they need 90 days to do this, however, they have been saying this since XX/XX/XXXX and it is now XX/XX/XXXX. In my last complaint, they also provided me with incorrect documentation regarding my Public Service Loan Forgiveness eligibility. Below are my current complaints : 1.  They need to actually reverse my capitalized interest and show me documentation of not only the removal of that interest from my principle but also the removal of any inappropriately compounded interest due to that capitalization. 
2. They need to recalculate my PSLF qualifying payments. Every payment for every loan was a qualifying payment and any payments that currently are marked as ineligible are marked as such due to ERRORS MADE BY XXXX XXXX. I am not to be held responsible for their errors nor will I jeopardize the {$500000.00} of loan forgiveness at stake because of XXXX 's incompetence. They need to account for every one of my loan payments to ensure it is credited toward my PSLF payments. 
3. The XX/XX/XXXX payment did not occur because as I documented in many past correspondences ( and they have acknowledged this and apologized for this ), I was unable to view my loans or set up a payment profile on their website from XX/XX/XXXX to XX/XX/XXXX, during which time I was unable to make a payment due to their errors. They acknowledged they would address this, however in the attached administrative forbearance documents they did not include this date in the administrative forbearance period. As such, that payment is listed as a missed payment ( incorrectly ). 

XXXX MUST be held responsible for these errors. I am at risk of having to pay back an enormous amount of money at the end of my 10 years of XXXX XXXX work due to XXXX numerous and continued errors.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Navient is a criminal organization, they practically force you to make a payment VIA routing and account number. In order to pay by debit card you have to request a call back. They do not allow credit card payments what so ever. Navient was just recently sued for unethical practices like this. 

What is criminal is that they will not provide an amoritization schedule so I can plan to make more efficient payments on my loans. Theu rrfuse to provide this report because of special circumstances which they can not even explain. Navient does not want students to pay off their loan balances. Naveint expects students like me to pay interest until the day I die.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Clarity Services (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received an alert from XXXX indicating Clarity Services pulled a copy of my credit report on XXXX/XXXX/XXXX. I have not been pursing any type of financing and have no idea who these people are.I want this hard pull inquiry removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (I do not know) with Penn Credit Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First contact : automated voicemail to call debt company back I called company back to ask what this was about. I would not give my address. Company did not provide any info about debt and hung up on me. 
Automated voice called back and gave me info about who original debt was from and amount. 
I called original company and they have no record of this being my debt ( which I agree with ). 
I called debt collector back and tried to sort it out ( I did not give my address ) - they hung up on me twice. 
I called back once more and told them to send me a verification notice. Apparently, they should have sent this already ( or did I have to ask for it )? 
Waiting for that so I can dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Franklin American Mortage Company did not pay our county taxes which resulted in late fees and penalities. They assured us that they would cover the cost of the fees, but in addition to their check they took the money out of our escrow account resulting in the county being over paid. The county refunded Franklin American Mortgage ( our money ) and now they are refusing to reimburse us the funds that were mistakenly removed from our account. We 've been working to resolve this since XX/XX/XXXX, which had resulted in over a 10 phones, countless hours of our time wasted and extreme frustration. Every call we make to them results in poor customer service and a belittling attitude -- not one person there has taken ownership to resolve this issue!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX XXXX sent Trans Union a letter to remove a hard credit inquiry from " XXXX 2015 '' the inquiry is still present and needs to be removed as soon as possible please ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company XXXX XXXX XXXX is trying to charge me through ERC collection for something that never existed. I already called ERC and explained the situation and they told me I had to talk to XXXX XXXX XXXX. There has been multiple times collection companies have tried to make this charge. It is about the XXXX time I make a complain about a collection company. I just put a complain against XXXX XXXX XXXX at FCC. I want this collection to be stopped at ERC. I dont want it to damage my credit.

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 05/19/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Bankruptcy

Complaint: My consumer credit report is reporting incorrect information for a Chase card that was closed as of XXXX. The debt to the creditor was discharged on XXXX/XXXX/16, and they were advised of this, XXXX credit-reporting shows the condition of the account to be derogatory as well as a revolving account, and after speaking to multiple reps at chase on XXXX/XXXX/16 they are advising that the account shows charged off, and debt still owed to me in their system. As this information is incorrect and this is no longer a debt and is also XXXX old and should not be showing on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past 5 days I have received numerous calls from a phone number associated with a debt collection agency dba as Amsher. They are calling from XXXX and then either hanging up or leaving empty voicemails on my phone, both of which are most unwelcome and unwarranted practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I disputed this loan in XX/XX/XXXX and again XX/XX/XXXX. I requested documents showing that I signed up for a loan.The program I was in was a free program and for some reason, I received a bill. In my disputed, I asked for some proof and all that was submitted to me was my grade school transcripts. My XX/XX/XXXX dispute all they submitted was a typed out letter from someplace I have never heard of. The school closed while I was attending and this is why I 'm disputing this loan. I would have disputed this loan prior to XX/XX/XXXX but, I did not know I could.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX-XXXX-2018 I ordered TransUnion credit report linked from free reports US government. In order to obtain a FICO score, you are forced to give credit card or debit card for perpetual drafts against your account-about 350 dollars a year. You can not cancel this service, the XXXX number is busy or refers you to circular XXXX. 

My problem is that this is linked from an official US Government website. 
This is nothing but a XXXX type scam. 
This is one of our major player credit reporting company running this scam to get a few bucks from poor/disabled.ignorant people.

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 06/15/2016 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: on XX/XX/XXXX I purchased a new car. During this process I found out that I had a 30 and 60 day late payment to Prime lending. I have evidence of payments sent to prime lending on time each month. After the XX/XX/XXXX payment received communication that XXXX was now prime lending. upon reentering my online information I had an incorrect account number listed. I found this out with help from XXXX. I immediately contacted prime lending and explained the issue at which time I made the offer to pay in full all monies in arrears at that time. I was told that I could not until the issue was cleared up internally. Apparently when they receive money to an erroneous account it goes into some type of holding account. I then asked what is the process to release the money and I was told finance has to process this. It then took weeks to resolve a laboriously slow process. During this time because I could not make them whole which I did voluntarily admitting my mistake with the account number entry in XX/XX/XXXX my account became 30 then 60 days late. 
this has affected my credit as to the point I can not get a mortgage right now and have just lost the chance to buy a home here in South Carolina. I made payments in good faith that they received and have bank statements that prove that. Right now I have these late payments on my credit report along with a " Dispute '', not totally clear on that, however I want this removed from my credit report as I 1 ) made payments that they received on time and 2 ) once discovering my issue I offered to make them whole and they refused payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: reinstating the same ole stuff plus i can ; t get information about my credit because I answer all the question to identify me and they said it wasn ; t me and thats because they have set me up for some one else. and there not trying to hear me.i.m XXXX and need some one check this situation out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Auto debt) with Professional Bureau of Collections of Maryland, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation