milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Medical) with American Capital Enterprises, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX needs Calls and Harassment to Stop. She also wants a Stay of Medical Bills debt collections and or Negative Credit Reporting. The Billing Company named America Capital keeps calling me and or contacting me for Medical Bill payment even after I have asked her to stop contacting me. The XXXX 's Representative name is XXXX. Their phone number is XXXX. The harassment has been on going for nearly a year. I am afraid to answer phone and or be sued without notice or relief. I received assistance with communication through XXXX XXXX with American Capital.He can be reached at XXXX. 

I also need help with getting a 6 month stay under the new federal law on medical bill and negative credit reporting or usage.

Company response to consumer: Closed
Consumer complaint received 11-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX The Appraisal used by Wells Fargo to counter the buyer on this short sale is invalid. 

1. The Appraiser used comps outside the XXXX area and in a completely different geographic and economic neighborhood than the subject property this does affect the sales price 2. The Appraiser used comps that are a YEAR OLD 3. The Appraiser outright IGNORED comps that were MUCH CLOSER and that CLOSED RECENTLY that were a lower value than the counter offer 4. The appraiser even ignored year-old comps that are in the same complex as the subject property that were lower in value that the counter offer ********* The Appraiser was obviously stretching to get this valuation to be in the higher price range dictated by Wells Fargo.
This appraiser could lose their license over these issues it has already been recommended to us by another appraiser to file a State complaint against the appraiser as her work product is extremely flawed and could not be used for origination of a loan or any other purpose for valuating a property. 

I have attached the following items : 1. XXXX XXXX showing Market Comparables that are RECENT and in the SAME NEIGHBORHOOD. 
2. Copy of the appraisal used by Wells Fargo - SEE PAGE 7 AND 11 showing the OLD COMPS USED 3. XXXX XXXX XXXX 4. Additional Market Comps Please see XXXX XXXXXXXX XXXX - This home is in Excellent Condition and is obviously C2 and not C3 as stated on the appraisal. Did the appraiser look at any of the comps or even call the listing agents -- - the answer is NO. Our unit is correctly listed as a C4 ( in need of major remodeling ) We have already addressed this with Wells Fargo and have been told that Wells Fargo reviewed the information we provided and has found nothing wrong with using comps that are a year old. -- - Seriously??? 

We demand this appraisal be re-reviewed with the information attached to this CFPB complaint. 

We expect this situation to be remedied immediately.

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 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been paying monthly to XXXX on a closed account however they sent me to collection agency anyway. I have not even received a bill from collection agency as of yet to even have info to send a payment and just paid {$100.00} to XXXX in XXXX. This collection agency calls me XXXX times a day using various numbers. I have spoken to them advised I had been paying an amount each month that I could afford although I am out of work due to illness. Agent advised the amount I was paying was not enough and they would continue to aggressively seek a higher amount. I 've asked they stop calling because I was aware and paying what I could. They advised they would continue to call everyday until I set up a payment plan that was significantly higher than what I can afford at this moment!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: First point - this complaint has nothing to do with the content of my credit report from Experian. I filed a complaint previously and the response with a canned response about disputing the content of my credit report. Let me emphasize again ... .this has nothing to do with the content of my credit report or disputing the content of my credit report. 
Complaint : Experian lowered my FICO credit score because I requested a Security Alert and a Security freeze from Experian and from XXXX after the XXXX data breech.  There were no changes in my credit report or credit history. My FICO score should not be lowered because I requested a Security Alert and a Security Freeze.

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 02/24/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Someone was able to set up a new account with my information, which baffles me because I had a debt with another carrier that would not allow me to even set up another line of service on my already active account. How this is possible, to set up another account with my information. And the other thing that gets me, is that I am an employee for XXXX XXXX XXXX as well. Which is another oddity to this whole thing. I'm more perturbed by the fact this happened to one of their own employee 's. I would like to dispute this claim from my record, since I would never dream to open up a completely different account when I have a perfectly good one, that I am also very content with. 

The amount that I supposedly owe is {$820.00}.

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 12/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: American Express is not honoring the welcome bonus offer that they keep sending me. I was approved for the card but they are not honoring the bonus that was offered for opening the card and spending a certain amount. I met the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Capio Partners, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Nearly XXXX years ago, while I was employed and insured by XXXX, I went to XXXX XXXX ER for food poisoning. I was never contacted about an unpaid bill. Only recently did I learn of an outstanding bill. This bill should have been the responsibility of my employer, as I had full medical coverage. I 'm no longer employed with XXXX, I was unaware of this debt, and it is now negatively effecting my credit. Had I been aware of the unpaid bill, it would have been paid years ago and my credit would not be suffering negative impacts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our refi loan is subject to PMI. The loan was initiated in XXXX XXXX with XXXX XXXX XXXX, sold to XXXX within the first month, then sold to XXXX in XXXX of XXXX. Within the PMI Disclosure ( Fixed Rate Non-High Risk Loan ) signed at closing it gives two options for PMI termination. 1 ) upon 80 % LTV we can request termination of PMI and 2 ) automatic termination at 78 % LTV. The Original Value of the home based upon a XXXX appraisal was $ XXXX. In the case of the first, we requested termination in XXXX at which time an appraisal was requested by the lender who contracted with an appraiser, this is allowed by the terms of the PMI Disclosure. The appraiser did not know this market, was officed XXXX miles away, and pulled inappropriate comps leading to a XXXX appraised value of $ XXXX. We contested the value but determined the hoops to jump not to be worth the work and cost. We left the matter be as Option XXXX, automatic termination upon 78 % LTV based upon " the original value of the property '' was imminent. Suntrust now refuses to remove PMI stating the XXXX appraisal does not warrant removal. We have explained that the XXXX appraisal is immaterial as the Automatic Termination clause states " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date '' - We are current with our payments and have never been late or delinquent. Further Original Value is defined in the Disclosure as " If the loan is a refinance loan, 'original value ' means the appraisal value of the property relied upon to approve the loan ''. As per the PMI Disclosure this date is XXXX XXXX, XXXX. CFPB 's assistance is required to ensure Suntrust Mortgage adheres to the terms of the PMI Disclosure they bought when they bought our loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (I do not know) with Integrated Recovery Services (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX from Integrated XXXX keeps leaving voice mails on my home, work as well as main work lines. With some nonsense about needing a statement and failure tomprovide will result in " expedited verification of employment ... -and liquid assets - and prosecuted to the full extent of the law ''. The voice mail is ended I 'm " you have been warned ''. This needs to stop! It is invasion of privacy for receptionist to have this information as well as to have several calls daily. This bogus company needs to shut down their XXXX collections practices. I have no idea what it is for. I have nothing in writing. I have asked them to stop all calls to my job and my phone, family and ex members I do not even know. I 've asked that they send everything they have through the mail as I have nothing from this company and will not deal will such behavior over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On  XXXX   XXXX    XXXX  , I submitted two payments to  XXXX  USAA credit cards for  XXXX   XXXX  posting. One for {$50.00} and another for {$350.00}. The {$50.00} payment posted on  XXXX   XXXX  and was available for use on  XXXX   XXXX . The {$350.00} payment was placed in a pending status, the funds cleared my  XXXX  account on  XXXX   XXXX , but the service representatives I spoke with on  XXXX   XXXX  did not do anything to make the funds available. Because of this, my daycare payment will be late and I will be charged a lofty late fee. In nearly 8 months of having both of these credit cards, neither has ever had a hold placed on a payment for more tha n 1 business day ( hence m y reasoning for posting a payment for  XXXX   XXXX  - to give it 2 days to post ). The representative and his superviso r (   XXXX   XXXX  and  XXXX   XXXX   ) were  only able to tell me that this was standard USAA practice to place funds on a 7-8 business day hold and there was nothing they could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Credit card debt) with Blitt and Gaines, P.C. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into 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
Consumer complaint received 11/22/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I make partial payments to my mortgage company. Freedom mortgage 's automatic system does n't allow you to make partial payments. You have to make a full payment. Also, when that payment is made on the automatic system, you have to pay a {$10.00} fee. When attempting to pay with a representative, you can make a partial payment, but there 's a {$15.00} fee for them to process it. You also can not make a partial payment online either. When paying online or on the phone, you can not provide a credit/debit card #, you have to provide a routing/account #. I was furloughed and not able to make payments. I applied for their mitigation loss program. I allowed the 30 day period to review my documents. They denied it because i had n't had XXXX mos of payments. I 've had the loan since XX/XX/XXXX, but refinanced XX/XX/XXXX. I have never applied for the mitigation loss package, but apparently needed a payment reduction. They never called or submitted a letter or notification of the results of the mitigation. I called to receive that information. When I spoke with a rep about the denial, she provided other options that would all cause the payment to be accrued once I returned to work and would need to pay a double payment each month or close to a double payment, within a XXXX month period to become current and or apply for a loan modification again once, I reach my XXXX month period to do a loan modification. I would like to also mention, the refinance only allowed a {$30.00} reduction in payment. Freedom mortgage does n't offer any sort of beneficial help to the consumer and especially in a financial hardship.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted 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