milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2015 about Payday loan () with Platinum Holdings Group, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suite against me. The man who contacted my employer was XXXX XXXX XXXX. I called immediately at XXXX. He demanded payment of $ XXXX by tomorrow or {$500.00} + by the months end. I said that I could make a payment arrangement of about {$50.00} a month being that I am a single mother of XXXX and with only my income to support. I explained that I had just recently, back in XXXX, got out of an abusive relation ship that had left me in debt. I said unfortunately I did n't even have enough money to buy my girls XXXX gifts this year or fix my car that is desperate need of repair. I said {$50.00} was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite XXXX He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that " No, because then you 'll receive it and then just say you can only pay {$50.00}. '' I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I did n't send payment and agree to anything he would follow through with the suite XXXX This ca n't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay {$3000.00} + back, which is what he said that I would come out to being if I did n't pay by today but no later than tomorrow. I will lose everything that I have worked so hard to get and at the moment keep. Again this is XXXX XXXX who said that he is an attorney and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XXXX XXXX taxes garnished as payment for a loan that falls under student loan forgiveness. XXXX univeristy is closed for predatory practices and now Navient is a co-conspirator. I was unable to finish college in XXXX due to my 'credit line ' was maxed out and could not re enroll. No transfer of credits until final balance is paid. 
My transcripts are still held hostage to this day. 
I will not pay them a XXXX cent. I can not go back to college with the way they left me. Its now 8 years later and theyre taking everything. 
Next step in mail is garnishing paychecks. I refuse to allow someone to forcefully take my money over a debt that I was lied, tricked, decieved into believing would be payable after earning my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX I attempted to use my Chase XXXX, it was declined. I investigated and found out the credit limit was was reduced by XXXX. When I called Chase they stated they sent a letter. I never received the letter. I asked for escalation and was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX  XXXX account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Payday loan) with United Check Recovery, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recieved a call from United check service in New York on behalf of payday from Investior XXXX from XXXX yes the calls were very threating I asked for information regarding this company as I was not aware of them the gentlemen failed to give his name the company name and location information I than googled my rights as a consumer and called back and asked for proof of this debt and other information. Again I was threatned with court and jail agian I asked for information about this company and debt I was told to shut and I continued to question information I was than called a racial slur he states XXXX this is what you need to do. I than hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 10-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant Mercantile Agency (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I first contacted Grant Mercantile which I believe is a collection agency on XXXX. When I contacted this company about the accounts they have furnished on my credit reports they verified the accounts with the credit bureaus without supplying any proof that I owe the debt. I am also disputing with the credit bureaus, but I am being ignored by Grant Mercantile. 4 accounts opened : XXXX. XXXX. XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (GA).
Issue: Closing/Cancelling account

Complaint: I Applied Penfed platinum rewards XXXX signature card on for XXXX/XXXX/2016 I was approved for the card 24 hours later I was declined and the reason given was application was built in error I immediately called up to find out what was going on they did n't know. The representative resubmitted the application it came back approved because were service rep said that the card would be mail in out XXXX to 10 days. I logged to my account and noticed that the account had disappeared from the Account screen. I am mediately called and spoke to customer service representative that informed me that my account was closed and could not give me a clear reason why it was close. Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.

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 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Settlement process and costs

Complaint: Nationstar was supposed to perform a deed in lieu for my property on XXXX XXXX, 2015 and I vacated the premises and moved and as of today XXXX XXXX, 2015 they still have not taken the property. My insurance company XXXX refused to insure the property since it is not occupied. I need to have to taken care of so I can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Medical) with SCA Collections, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!! 

In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections. 
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED! 

I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries. 

Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I have contacted Experian and XXXX  requesting verification in regards to the accounts that are listed in an open status. { XXXX and XXXX XXXX } My report has since been updated with the current year showing the accounts are still showing open. The company that they are getting the information from is reporting inaccurate information.

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 01-04-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. In XX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account Number : XXXX ( XXXX XXXX XXXX BANK {$440.00} ) Account Number : XXXX ( XXXX XXXX BANK XXXX XXXX. {$460.00} ) Account Number : XXXX ( XXXX BANK {$1800.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA. 

I have been more than fair and more than patient regarding this matter. This is my last attempt for you to make right regarding this collection that you wrongfully placed on my credit report. I have started the draft of my complaint to the CFPB with complaints for not notifying me of the collection you placed on my credit report, giving me the right to dispute this debt, not responding to my request ( FDCPA Section 809. Validation of debts 15 USC 1692g ), as well as the list of damages this has caused me personally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with NICHOLAS FINANCIAL INC. (TN).
Issue: Taking out the loan or lease

Complaint: I purchase a car for XXXX dollars with XXXX dollars down payment the remaining balance XXXX dollars in XX/XX/2015 the car is a used XXXX.I bought the car from a local used car dealer shop. he sold the account to Nicholas Financial.INC XXXX XXXX FL.XXXX now they say my pay off balance is XXXX dollar and more please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Settlement process and costs

Complaint: After my point of contact told me that this file was being submitted for an approval. They came back and stated they have to order up a new appraisal/BPO. This was 4 weeks ago. We have been waiting for weeks upon weeks to get a BPO/Appraisal to come to client 's property. Every week they order an BPO/Appraisal and nothing comes of it. No phone calls, no scheduling. Nothing. Ocwen continues to state every that someone is coming will contact me. They have already scheduled a foreclosure date of XXXX XXXX, 2015. We have a buyer and the buyer is now growing impatient with the waiting process. Ocwen told my me that they will not allow an escalation. They will not reveal the investor on the loan. They only state that we will have to continue to wait for BPO/Appraiser to come out. We have been waiting for over 4 weeks ago. They are setting this client up for a strategic foreclosure. They continue to tell me that they do not know why no one has contacted me but wait another 7-10 days and " maybe '' someone will call. Ocwen is really being unprofessional about this. This is a HAFA short sale and for them not to give me any information on who else to contact is ridiculous. I need help with Ocwen. This is stressing my client out. She does not want a foreclosure on her record, but Ocwen is forcing XXXX her.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo loan number # XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ON XX/XX/XXXX Wells Fargo Home preservation Specialist refuses to grant my request to file an Home Affordable Modification application, additionally specialist informed me that I was to close to the foreclosure sell, I also ask for my entire file regarding loan modification file that was submitted in XX/XX/XXXX, that was decline, and then representative transfer me over to personnel that was unwilling to resolve my request, No representative was willing help me regarding prior years invoices from the dates of ; XX/XX/XXXX to present, I was not receiving my invoices therefore i am disputing amount that is unpaid which is : XX/XX/XXXX information regarding XX/XX/XXXX home preservation file is not accurate in which i was decline on wrongful income amount, after receiving this information i immediately contacted Wells Fargo Home preservationist officer and inform XXXX XXXX XXXX that information regarding income is not accurate yet XXXX XXXX informed me and my the Attorney that Wells Fargo bank will not proceed any further on loan modifications therefore placing us in foreclosure status. 
I ask the CFPB will correct Wells Fargo mismanagement of Government funding by not allowing consumers to apply for loan modification

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 04-04-2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (DE).
Issue: Using a debit or ATM card

Complaint: M & t bank customer service Claims a credit card can not be issued without a chip. The card is constantly denied! Poor customer service with XXXX, XXXX and XXXX. Refused give me the president!

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 01/17/2017 about Debt collection (I do not know) with Law Office of Linda Strumpf (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted in or around XX/XX/XXXX by a collection agency claiming to have a judgment against me and demanding payment. The judgment was supposed to have been imposed in XX/XX/XXXX for a debt that I knew nothing about. I never knew about the judgment until XX/XX/XXXX when I received the first communication. I have written to the collection agency and both of it 's " attorney 's '' stating the debt is not mine and they must have the wrong person. I have asked for validation of the debt and all I received was the judgment order from XX/XX/XXXX. I was threatened with wage garnishment and now a subpoena to show all of my financial assets for the last 3 years. I have contacted the original creditor they claim I owed and they have no record of me owing this debt. I have relayed that to all parties involved and I am still getting threatened with legal action. I have overwhelming proof that this debt is not mine and since I never knew that this judgment was filed against me. It has cost me a lot more than what I have spent trying to get this cleared up in the recent months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying off this loan for ~ 12 years and I owe almost what I did when I took out the loan. The original amount was XXXX {$42000.00} and I still owe XXXX {$42000.00}, despite consistently paying every month for about 12 years.

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