milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Student loan (Private student loan) with Williams & Fudge, Inc (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Medical) with Sarma (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I had a credit card with Capital one and I paid it off and requested for the negative tradeline be removed from my credit reports since XXXX of 2014 since I have been working with XXXX Law firm and Capital one refuse to comply with my challenges to provide documentation, however Capital One indicated that they have complied and responded to my dispute letter by sending a response to a address I have not live at in years which was XXXX XXXX XXXX, XXXX, Ga XXXX. I never received any reply back from my disputes. I do n't think they even sent a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (IN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Beginning in XX/XX/XXXX, I pulled my report to find ways to improve my credit score. As listed on my credit report, XXXX XXXX XXXX XXXX XXXX had issued a repossession with an open date of XX/XX/XXXX, first report date of XX/XX/XXXXand a status date forXX/XX/XXXX. I was a co-signer on the contract with my mother, XXXX XXXX. The original amount of the loan was for 65 months for XXXX . A new balance was reported as ofXX/XX/XXXX of XXXX $ .The car was originally totaled back in late XX/XX/XXXX. There were phone calls made to XXXX at the time of the accident to voluntarily repossess the vehicle, as early as XX/XX/XXXX. The car continued to sit in my parking lot wrecked until late XX/XX/XXXX, early XX/XX/XXXX. There was no correspondence from the company regarding any derogatory balances or communication confirming the repossession/towing of the vehicle. It was as if the car had disappeared from our lives, until just as recently as XX/XX/XXXX, where XXXX has been harassing my mother regarding payment ( although the car is totaled ) and has not sent any formal mailing obligating her or myself to this debt.
After sending my first dispute at the end of XX/XX/XXXX, I received a letter back from Bridgecrest, XX/XX/XXXX stating that they could not process my dispute because they did not have an updated/current address for me. After another letter was sent, ( still listing a current address ) I received a response dated for XX/XX/XXXX. It had my mother 's name listed this time, with the complete wrong address. ( The city and state did n't match the street address. The KY post office had to write the proper address info outside of the envelope to ensure it would be received. ) I then sent a 3rd letter regarding my request to show proof and validity of debt dated for XX/XX/XXXX to the credit bureaus directly, asking for proof of this debt. I only received respsonses from all 3 bureaus with statuses left unchanged and refusal to dispute further.
I have since contacted my local law enforcement to determine if there was a formal repossession report filed with my county by law, and of course, there was no record indicating this event.
Please refer to the article you all had published, concerning XXXX and their debt collection practices. The parameters of this civil suit matches my situation and I am looking to seek a solution ASAP.
https : //www.consumerfinance.gov/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an offer over a phone call from American Express Credit Card agent, XXXX ( Employee ID number : XXXX ) on XX/XX/XXXX The offer is, I can get XXXX Amex Membership Rewards points if I add an authorized user and spend over {$500.00} within in 3 months. I met all requirements but have not received the MR points so far as advertised. I contacted the AMEX customer service and submitted complaints through chatting and phone numerous times. One of the  chatting reference number is XXXX. I even chatted with a supervisor onXX/XX/XXXX ( complain number : XXXX ) but It has been more than 8 weeks.
I never received any updates or response until I contacted and all agents keep saying generic answer that it will take 6-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: This loan was originated XX/XX/XXXX as non-escrows and with a fixed mortgage rate. I have always maintained by own insurance and taxes as it was required. XX/XX/XXXX my payments increased. For months I attempted to find out what caused the increase but I was unable to get anyone to explain. After many calls XX/XX/XXXX I was told the increase was caused by a negative escrows due to Nation Star disbursing a premium for Flood Insurance. Because the payments had increase by more than {$150.00} a month I was unable to make the higher payment, especially without a clear reason as to what caused the increase. XX/XX/XXXX I was told that once the loan was current the account would be anaylzed and the payments readjusted to the original which was {$490.00}. After reinstating the loan to current XX/XX/XXXX Nationstar did not re analyze the account but instead said that I had a laspe in coverage and for that reason they added the escrows lines for taxes and insurance, On XX/XX/XXXX in a 3-way conversation with XXXX who identified herself as a supervisor in the escrows department at Nationstar, my agent XXXX from XXXX and a represetative from XXXX. It was confirmed that there had never been a lapse in Flood coverage. As a result of this conversation XXXX whose contact # she provided XXXX promised the account would adjusted back to its original payment. That was done. On XX/XX/XXXX I received a letter from XXXX XXXX from Nationstar Research and Response Department denyng my request to have the escrows removed. ( see attached ) The letter gave the process of appeal for their decision which was to show proof of coverage for the time period stated in the letter from XX/XX/XXXX to XX/XX/XXXX. As requested I provided proof of continueous Flood coverage from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. ( see attached policies ). In addtion to the insurance line being added, Nationstar also added taxes. Nationstar did not give me time enough to pay my XX/XX/XXXX taxes before they paid them. Yes I agree I was late in paying them, they were due XX/XX/XXXX and Nationstar paid them XX/XX/XXXX but I had every intent on paying them with the late fee if given the chance. To date Nationstar has not removed the escrows lines and my payments have not been adjusted accordingly. This increase was caused by an error of Nationstar. As a result my payments were increase by nearly $ XXXX monthly and this has caused a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I started having problems with Nationstar Mortgage out of Texas back in XXXX when I was trying to pay one month ahead in case of emergency. Apparently, they will not let you make extra payments on your mortgage without having a specific agreement with them which I was not interested in having. Of note, other lenders I 've had let me pay ahead if I wanted. Anyway, I sent my XXXX XXXX mortgage payment to them which they received on XXXX/XXXX/XXXX. I included an extra {$100.00} to be applied towards principal and indicated I wanted it applied to principal on my payment voucher. The end of XXXX I noticed the extra {$100.00} had been received but not applied to principal so I called Nationstar and was assured the extra principal would be applied when they processed my next voucher which made no sense. Yesterday, XXXX/XXXX/XXXX I received a letter in the mail from Nationstar telling me the {$100.00} was in a suspense account and I quote " As of the date of this letter, the total amount required to bring this account current is {$1300.00}. '' " please remit amount due in order to complete a full payment owed. '' The date of this letter was XXXX/XXXX/XXXX which was 2 days after receiving my XXXX XXXX mortgage payment and posting it on XXXX/XXXX/XXXX! My next mortgage payment is not due until XXXX XXXX, XXXX per their own website so how can I owe them {$1300.00} now? I fear their incompetence is going to hurt my excellent credit rating. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX Mortgage foreclosed on my home on XXXX/XXXX/16. I receive notice from Nationstar Mortgage in the past few days looking for payment on my " account. '' XXXX sold Nationstar an already foreclosed upon mortgage on XXXX XXXX, 2016, pursuant to my conversation with Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized credit inquiries on my XXXX credit from XXXX XXXX XXXX XXXX  and XXXX XXXX. I did not grant permission to access my credit report and did not select the checkbox. 
The policy clearly stated, " Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. '' If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' Further more i do not have a XXXX XXXX   account or have i 've ever applied for a  account. Please remove these credit inquiries immediately as XXXX did not have my permission to access my credit report. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Specialty Clothing Store Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Amsher Collection Services, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are several collection accounts showing on one of my credit reports that were not validated and/or have no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with General Service Bureau, Inc. (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company was awarded judgment against me in  XXXX . From that time until just  XXXX  weeks ago, they have NEVER notified me or attempted to resolve this issue, however they are now taking me back to court, and refusing to provide original debt records, or offer any assistance to pay/settle the debt, if it is mine.     I 've spoke with  XXXX  and  XXXX  who are both worthless.  XXXX  advised that if I did n't pay the balance in full they would be taking my paychecks in whole. The calls are recorded-so I demanded a copy of the records, which he advised " that 's none of my business ''.  XXXX  was no help either as again, they wanted me to make a payment just to show the judge that I did pay, however no payment has been done because I 've never received verification of this debt all the way from   XXXX   to  XXXX . You mean in  XXXX  years, you never tried to collect anything, but are wanting to take me to court? Verify the proof of debt and allow me an option to pay for it, as THIS has NEVER been done. I 've lived in the same city for the whole time and again they have NEVER communicated anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Medical debt) with Keynote Consulting, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I was notified XX/XX/XXXX that my account had been frozen because the bank noticed a Security/data breach to my account. When I was able to contact them XX/XX/XXXX I was told they would only be able to unlock my debit card one time for an ATM withdrawl. I had informed them that in two days ( XX/XX/XXXX ) there would be a direct deposit from my employer that I would need access to in order to pay my rent, utilities, gas for transportation and food but that I needed access to the funds that were currently in the account in order to put gas in my car so I could drive home from work, 40miles away. They did unlock the debit card that evening then locked it down again. On XX/XX/XXXX the direct deposit from my employer credited the account as I had told them. I called again and was denied access to my debit card. I was then told I would be able to do an electronic transfer of funds to an outside account, but when I attempted to do so, I was not able to. When I called again they said they were mistaken and I would not be able to transfer funds after all. I then demanded a check immediately be expedited to me to be in my hands no later than XXXX XX/XX/XXXX. To which their response was I would get a check only AFTER they had completed closure of my account and that could take up to two weeks!!! 
This is n't THEIR MONEY ... ITS MINE! I earned it, I trusted them to keep it safe and they messed up and now they 're holding MY MONEY hostage! 
I ca n't wait two weeks to eat, to have gas to get to work every day, to pay my rent or my utilities! That 's not acceptable at all, not in any way, shape or form! 
We 're not talking about " extra cash '' someone may have lying around, this is EVERYTHING I have! My ONLY source of income! My only means for paying my everyday living expenses and they can only say : " Sorry for the inconvenience ''!? I 'm furious! I 'm beyond words with how angry, disappointed, violated..I feel!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Customer service / Customer relations

Complaint: Ordered a product from what I thought was a reputable business and have since found out that this business ( XXXX XXXX, XXXX located at : XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA ) is a scam. I 've called my credit card company and they have n't done anything about back charging this business for the product never have been shipped to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies.
As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no  interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Medical) with Physicians & Dentists Credit Bureau (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Collection agency has called me at my place of employment three times and was told each time to stop calling me at work. I have told them each time they may call me on my cell/home number, but only XXXX time was that done. Today was the third time they have called me at work and the third time I have told them to stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: Back when I was younger, I missed a payment or went over my available credit once or twice on my Bank of America credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.

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 03/31/2015 about Debt collection (I do not know) with GULF COAST COLLECTION BUREAU, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed