milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was called on XX/XX/XXXX from XXXX XXXX XXXX, a person claiming to be in the legal dept named XXXX XXXX. XXXX stated I owed a debt to XXXX XXXX for a credit card I opened in XX/XX/XXXX, and if I did n't pay it they would sue me for wage garnishment or put a lien on my house. She stated they mailed a settlement letter to my home, which I did not receive, I confirmed they have the right mailing address. She stated the debt first became past due in XX/XX/XXXX. I told her the statue of limitation is up and that I do not believe I owed this debt. She stated that she would send it to an attorney in my county and they would sue me the debt. When I told her I would wait to speak with my attorney, she began yelling that I owe on many credit cards and that they are all at their limit and I was going to pay the debt whether I agreed with it or now. She then hung up on me. I called back to try and reach her and ended up speaking to a woman named XXXX who rudely asked me what I wanted when I asked to speak with XXXX in the legal dept. I stated we were speaking when XXXX hung up on me and I just wanted to know why they were trying to collect on a debt that was almost 10 years old. XXXX said they acquired the debt in a federally regulated sale back before the statue of limitation was expired, and recent XXXX had done an audit and requested that ARA pursue this debt again. XXXX stated that because the debt was bought before the statue of limitations was up, they had the right to keep collecting on the debt until it was paid or they decided to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: I obtained a home mortgage through XXXX several years ago. My mortgage was recently sold to Nationstar mortgage. I received a notification by mail that Nationstar will share my personal data such as my social security number and income, my account balances and payment history, and my credit history and scores with other business for marketing and information purposes and I can not opt out. This is a company that I did not choose to do business with. I do n't want my personal information shared by a third party. I do not believe that this should be allowed. Please advise.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Struggling to pay mortgage

Complaint: 1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX.
2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX.
3. But how can they have a completed application when the XXXX or XXXX was never submitted.
4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income.
5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
<P/>
6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: There were two ( 2 ) unauthorized hard credit inquiries made by XXXX XXXXXXXX XXXX ( GA ), which were revealed on a credit report I pulled directly from Equifax 's website on XXXX XXXX, XXXX. 

I then started working directly with me creditor ( XXXX GA ). After a long and involved investigation, the creditor agreed with me, and formally approved the removal of their XXXX XXXX, XXXX and XXXX XXXX, XXXX hard credit inquiries. XXXX GA then advised me that they sent two separate requests to all 3 credit bureaus in the U.S. ( Equifax, XXXX and XXXX ) to remove these two hard inquries. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including to Equifax U.S. ) in XXXX. 

The request for the removal of the XXXX XXXX, XXXX hard credit inquiry was sent from my creditor, XXXX GA, to the credit bureaus ( including Equifax U.S. ) on XXXX XXXX, XXXX. In addition to the creditor directly requesting the removal of their hard inquires, I also disputed them directly with Equifax U.S. for good measure. 

Despite the creditor requesting the removal of the two hard inquires directly, and me filing disputes directly with Equifax via telephone, online and fax, requesting removal of these two hard inquiries, in XXXX, XXXX, XXXX, XXXX XXXX ( and again today ), as well as several telephone calls to Equifax in between my formal dispute filings, the two hard inquires still remain on my Equifax U.S. credit bureau report ( as confirmed in another telephone conversation I made directly to their offices today ). 

I also sent Equifax a formal letter requesting the removal of these unauthorized inquiries, enclosing all requested documentation, including the letter from the creditor, and gave them direct contact information for the creditor, for any questions. 

I have provided everything possible to Equifax to facilitate the process and confirm the information I have given them. The creditor has requested the removal of the credit inquiries. My creditor advised me as of today, they in fact sent the XXXX XXXX and XXXX XXXX requests through an online system customarily used by the banks and credit bureaus to share this type of information and to send these types of requests. 

Equifaxs failure to properly investigate and remove these two unauthorized hard inquires has greatly compromised my credit score, thus, making it very difficult to obtain reasonable interest rates for credit products, affordable housing, and the ability to get a job that conducts background checks that also incorporate credit reports/scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Credit card) with Taurus Law Group, P.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from XXXX to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to XXXX, but never received a final statement from XXXX. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to XXXX that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from XXXX. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both XXXX and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but XXXX refuses to honor their side, and I need assistance with getting XXXX to get them to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Shopping for a loan or lease

Complaint: The prospective loan company financing a new car should HAVE TO REQUEST the report from the origination of THE loan application and XXXX should NOT allow several Inquiries on the same LOAN TRANSACTION. You should know better. QUIT DINGING MY CREDIT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Other fee

Complaint: I have a rewards credit card with Chase. I contacted Chase to cancel the card in late XXXX and have not used the card since, but they claim there is no record of the phone call. They charged me a {$95.00} annual fee in XXXX XXXX XXXX, and e-mailed me a bill in mid XXXX. I XXXX on XXXX XXXX and was out of work and recovering until early XXXX an did not see the e-mail from Chase. When I did discover it in late XXXX while reviewing my open credit card accounts I contacted Chase by phone immediately. Claiming that it was now more than 30 days since the charge posted, Chase refused to refund the charge. I have contact Chase via phone and secure messaging on the their website multiple times asking them to reconsider. In my defense, my original cardholder agreement gave me 60 days of leeway to cancel without having the pay the annual fee. According to research on the internet, Chase changed their policies around XXXX XXXX and since has been refusing to waive these fees nor refund them to cardholders. I have closed all of my accounts with Chase and requested they remove me from their mail, phone, and e-mailing list. I have going through the Chase website 's charge dispute process, but the request was rejected by Chase. In summary, Chase originally allowed me 60 days to refund the annual fee charge ... I called to cancel the card last year but there is no record with Chase of that call ... once I discovered the charge I contacted Chase immediately ... I have contacted Chase via phone and e-mail on multiple occasions with no success. Finally, I have received no benefit/good/service from this annual fee. It 's a scam for them to violate their original cardholder agreement and refuse to provide a refund. I 'm concerned that my near-perfect credit rating will be impacted if this issue is not resolved soon, as I 've never had a late or missed credit card payment in my life ( and am over XXXX XXXX XXXX now ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ALLY FINANCIAL INC. (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything in the mail from them. XX/XX/XXXX XXXX XXXX XXXX, XXXX - {$230.00} XX/XX/XXXX XXXX - {$76.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, WA, XXXX - {$150.00}

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Federal student loan) with Windham Professionals, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hello, My friends ' parents have repeatedly received calls from a caller who would not identify his employer, he said he was calling from the US dept. of Education about a loan in default ( all my loans are current as confirmed by XXXX an hour ago ) Caller : XXXX XXXXPhone : XXXX, XXXX have never resided at this address or provided my friends ' parents ' phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number I do n't even know. 

When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I provided my full social security number. I do not in fact owe them a debt as my loan is current and serviced by XXXX ; when I spoke with XXXX they indicated that they never authorize 3rd party collection calls and not to ever provide my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (OK).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: AMCA I do not owe money. 
claims false information remove or delete my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX that went to collections. The amount was {$200.00}. I did end up paying the total balance off. Yet it still shows on my credit score as not paid for. Ive called them 3 times and have asked to give me a letter of deletion but they wont.

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 03-01-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (GA).
Issue: Struggling to pay mortgage

Complaint: i have missed several payments due to reduced income in my household. When i reached out to my lender for assistance they informed me that they would not consider the short sale, due to the foreclosure sale date being so close, but even before then they did not assist me with any alternatives. I am struggling to get something done and i now have an offer that i would like for the lender to review so that i can at the very least sleep at night. I am so stressed out about this whole thing that i am beginning to feel despondent. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express is not reporting consistent information after I 've left their company with a XXXX balance and closed the account. The account still reflects an outstanding balance of the entire credit limit plus residual interest which has since been wiped from the account. 
Please explain to this company that they should not be reporting FALSE information after a customer pays the remaining balance off and closes an account. 

Please refer to the images which go into detail on the payment information as well as the account closed listing. This particular listing indicates that I closed the account with an outstanding balance which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During a period between 2009-2014 I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX REC XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. 
My frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. 
I should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. 
For students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. 
Even there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I was notified via text message from USAA of possible debit card fraud on Thursday, XXXX XXXX, 2017 at  XXXX XXXX. I immediately replied to the text that - yes the charges were, in fact fraudulent. The fraudulent charges totaled {$1900.00} - nearly {$2000.00}. <P/>Given that USAA prides itself on good customer service, I expected that I would be given provisional credit, until the dispute could be investigated. USAA does not have many brick and mortar branches, so I moved my household account there because I had expected they would put their money into superior customer service. However, I am wrong in my assumption. <P/>After the text on XX/XX/XXXX and my subsequent call to them on the same date - I did not hear anything back from them. No phone call, no text - no email. I checked my account every day and noticed that although the charges stated pending - the monies were deducted from my available balance. It was n't until today, XX/XX/XXXX ( 5 days later ), when I called them to find out about the status of my claim. <P/>I was told today and my account revealed that USAA had finally reimbursed me for the fraudulent charges. <P/>I am so disappointed in USAA 's lack of customer service. No calls, texts, no communication as to the status of my dispute claim for fraud. This was clearly fraud. There should be an algorithim to detect that this was out of pattern for my profile. This is unacceptable customer service. I am so surprised with this treatment. Most banks will give provisional credit and then investigate the claim. <P/>Wow - I still can not believe the lack of customer service. I will not be using my USAA debit card anywhere. Only for ATM withdrawals. <P/>I hope that USAA Senior Management sees this complaint Regards, XXXX XXXX

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