milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Debt collection (Auto debt) with Constar Financial Services, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX my wife and i filed chapter XXXX. We kept making our car payments and mortgage payments. We completed the chapter XXXX XX/XX/XXXX and we called Suntrust mortgage to ask them why our account showed {$0.00} balance, payments were not reporting since XX/XX/XXXX. I opened up a dispute XX/XX/XXXX and received a response today. They are not going to report to any bureau my never missed, never last payments to Suntrust. 
I called them today and they said it was a law that they can not do it. I am appealing you to allow Suntrust to report my 5 years of making payments and putting the correct account balance on all 3 bureaus.

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 03/30/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: Chase bank is assessing interest to credit cards based on a different formula than what is written on their disclosure. Even though I paid off my full balance on my credit card, Chase still assessed {$50.00} in interest to my account. 

Chase bank credit card disclosure from their statement says the following- " To figure your periodic interest charges for each billing cycle when a monthly periodic rate ( s ) applies, we use the average daily balance method ( including new transactions ) ''. The statement then says- " Subject to any interest-free period for new purchases, we will begin charging interest from the date a transaction ( including any balance transfer, cash advance or overdraft advance ), fee or interest charge is added to your daily balance until YOUR ACCOUNT IS PAID IN FULL. " My objection is the following : Chase says they use average daily balance in order to determine balance subject to interest. They then say interest is added until you account is paid in full. By using an average, once an account is paid in full, that means interest is no longer assessed. The average of any number with XXXX is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. 

I had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.

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 12-09-2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Other

Complaint: Chase Bank will not accept my cash payment for my credit card. They want me to go and buy an I.D . or buy a money order from them. I have no job and can not afford either and the time before they charge me fees is too soon anyway. I 've spoken with an executive at the head office for credit cards. This will ruin my credit report and my future. Please help me! My name is XXXX. I 've tried all that I can do Reach me at : ( XXXX ) XXXX They will not respond to me even after I 've written a dozen times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (SC).
Issue: Problems when you are unable to pay

Complaint: Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX are reporting late payments on my credit dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .When contacting XXXX XXXX customer service about the income driven plan in XX/XX/XXXX, I was giving invalid information. I was told I qualify for the plan income driven plan and my loans will be in forbarence until all paperwork is processed. However some miscommunication cause me to have late payments instead of the forbearance. I have disputed this information server all times. I have reached out to the CEO through several emails no response.This miscommunication has resulted in costly errors, like missed payments on my credit file. Please have them update my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage 1 has yet tp provide my right thumb print as to California statue code as also anything dealing with real estate in the state of California Statue section code 8206 ( A ) ( 2 ) ( D ) & 1185 ( C ) ( 1 ) ( A ) - ( E ) appeared in person this are the California section code at the time I sign and in 2009 and current today

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 11/14/2016 about Debt collection (I do not know) with Midwest Recovery Systems (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file. 

I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (I do not know) with U.S. BANCORP (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: U.S. BANK-RECOVERY APPEARED ON MY XXXX CREDIT REPORT ON XXXX/XXXX/2015, THE TELEPHONE IS FAKE AND RECEIVED CALLS FROM THIS PARTY AND ON VOICE MAIL.THIS APPEARS TO BE A FRAUDULENT ATTEMPT TO COLLECTION WITHOUT AND VALIDATION TO SUPPORT ACESSING MY CREDIT.SEE ATTACHED XXXX REPORT # XXXX, DATED XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: Nationstar our Lender is denying us a new modification, or Reinstating the Current Mortgage, due to delay in mortgage monthly payments. Our House had Water Damage on XX/XX/XXXX, which the Insurance Co. XXXX XXXX Declined to cover. I contacted Nationstar that same month, and in 2 Registered Letters, I explained in details the situation, and asked for a delay in Mortgage monthly payments for 6-9 months to repair the Ceilings, walls, Insulation, and a new air- conditioning. my Wife lost her job, and my only Income was my XXXX Monthly Income, and XXXX of XXXX for each of my XXXX kids. The Water Damage triggered other Hardships, like borrowing money from Relatives, Medical bills, and repeated repairs to old cars. I lost my Business due to XXXX XXXX and XXXX XXXX, I was given the Current Mortgage, which I was paying on time for 5 years, together with Chapter XXXX Bankruptcy which completed in payments XX/XX/XXXX. According to The Lender 's Loan Overview I Owe {$22000.00} which I ca n't pay to Reinstate the Mortgage, The House has estimated Equity of {$72000.00}, and the Unpaid Principal is {$210000.00}. The solution is simple, Nationstar could add what I owe to the Principal, and adjust my monthly payment, since my wife is working again, or what would be great to deducted from the House equity, and send me the Other {$50000.00} to start a badly need renovation. We ca n't move, because my Wife would lose her job, since it took her 10 years to find a job she likes, Second Renting is expensive, and our Credit Score still shows our Business bankruptcy. The Simple Question is Why These Financial Institutions, decline to help People like me who were Victims of Natural Disasters, When They were helped by The Government??????????

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with U.S. BANCORP (NJ).
Issue: Transaction issue

Complaint: This is in regards to my previous complaint XXXX I guess I am more disappointed by the response than the original issue. Here is my response to CFPB about your so called " resolution ''. 

The response just shows how tone deaf these guys are. They have not addressed any of the issues I mentioned. 

The incident I mentioned was just the beginning and not an isolated incident. I have tried a few other charges and nothing goes through. So basically they have given me a credit card which is not usable at all. 

And I asked a very specific question about how can I meet the {$500.00} spend criteria if they wo n't allow me to use the card. And this is how they respond. 

" Your correspondence also expressed concerns regarding the promotional offer that was provided to you at the time you applied for this account. Our records indicate that your account was established on XXXX XXXX, 2016, under a promotional offer which extended a {$150.00} rewards bonus after you spent {$500.00} in net purchases on your card within the first 90 days of the account opening. We understand that you were expecting to meet the spend requirement for this offer with the above referenced transaction at XXXX which ultimately was not Cardmember Service, XXXX. XXXX XXXX, XXXX, ND XXXX processed. Please be aware that you have until XXXX XXXX to fulfill the required spend amount of {$500.00} '' She has basically copy pasted the terms and conditions of the spend criteria. In what world and how does that answer the very specific question that how can I meet the spend criteria if you wo n't let me use the card at all?? This is just insulting that you get these kind of answers from their so called " Office of the President ''. 

To summarize, My card is still not usable at all, so that issue is not addressed I have no way to meet my spend criteria because of the above, so that issue is not addressed either. 

I guess I will keep filing more complaints till I get someone to actually respond. I have never encountered this kind of shameless behavior. i guess it was not just the customer service but the whole chain to the top is like that.

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 03-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Client was evicted from an apartment after rent was withheld because of livability issues. The eviction went through the court process and a judgement was entered for {$1300.00} plus court costs. On the credit report, a separate debt collector is attempting to collect {$3700.00} for the same incident. A debt collector should not be able to collect on a debt that has already gone through the court process and furthermore they should n't be able to ask for an amount that is exponentially higher than the judgement amount.

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