milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: City bank claims that I owe {$1600.00} on a XXXX Credit Card ending in XXXX. 
I have never received this card, I have not validated or registered it, OR used it by their own records.. 
Repeated attempts to find out where the charge was generated has failed. I have chosen to pay the card off, but I am sure they will attempt to extort more money from me in the future. 
I do have an active City Bank Card ending in # XXXX which is paid off monthly.

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 01-09-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing LLC took over my mortgage. They sent me a mortgage delinquency notice inXX/XX/XXXX which was followed by a Notice of Default and Notice of Intent to Accelerate in the amount of {$1600.00}. In XX/XX/XXXX I sent them a letter requesting the months that the mortgage payments were not received. I provided them with copies of cancelled checks. I have never missed a payment on this loan. My regular payment is {$590.00}. I send them every month a payment for {$600.00}. XXXX, teller # XXXX, from Customer Care Support, responded to my inquiry on XX/XX/XXXX stating that the account serviced was transferred to them on XX/XX/XXXX. She indicated that the account at the time of the transfer was not current. She did not specify which months the payments were missing. She also sent me a payment history for my account for the years XXXX and XXXX. I paid some money to bring down the delinquency so as to stop the default notice. This has been going on from XXXX till present. My last letter requesting the missing payments was sent to them onXX/XX/XXXX. They responded sending me another payment history of my account which does not reflect a missing payment. My request is for SLS to simply state the months of the alleged missing payments so I can send them copies of my cancelled checks.
Currently my account is past due by {$360.00}.

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 03-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification 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 08/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have continually called my home not talking and hanging up. When they do speak it is someone who does not speak good English and hard to understand. We owe no debt to Midland and were told them we do n't know the person yet they still call morning, noon, and night. My last call I called back and requested for them to take my phone number off this list.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has violated the FDCPA and the Fair Credit Reporting Act. 

They reported XXXX accounts on my credit report. I contacted both the company and the credit report agencies to demand validation of the debt they are trying to collect. Under the FDCPA and FCRA a debt collector can not report to a credit reporting agency unless and until it verifies the debt This company instead reported the accounts to experian and equifax after they had been removed from XXXX because they could not be validated. These accounts were reported to the above agencies on XX/XX/2017, and I did not receive a reply regarding my request to validate until XX/XX/2017. 

Not only were the accounts reported to XXXX agencies while it was being disputed, the only reply I received was a simple form letter with dates and amounts, not any verification. 

There was no proof of any type that this debt belonged to me as I demanded. Their was no date of verification nor any documentation of the authorized HIPAA business relationship between ARS and the original creditor. Being that I was insured at the time it is extremely important that I receive full validation of any alleged debts including services or signatures. This company has been unable to properly validate this debt and continue to report in full violation of the FDCPA and FCRA

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 07-04-2017 about Debt collection (Medical debt) with Receivable Management Group, Inc. (GA) (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a payment of {$50.00} on  XXXX   XXXX  but I saw another transaction leave my account for the same amount on  XXXX   XXXX . I have not made an additional payment. I called about this transaction and they claimed that I made a payment online at  XXXX  EST on the  XXXX . I made no such payment and was asleep at that time. They claimed that I made the payment but that they would refund it to me today. It has not been refunded at this time and it is past business hours which means it should have been refunded by now. I did not make this payment and I am fearful to make future payments to this company because of this occurrence. I do not trust them with my information. It  is Receivable Management Group ( RMG Collection s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/2015, I contacted TransUnion concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made TransUnion aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that TransUnion had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. TransUnion has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Installment loan) with MINNESOTA LIFE INSURANCE CO., THE (IN).
Issue: Managing the loan or lease

Complaint: I had a personal loan with Personal Finance Company opened on XXXX/XXXX/XXXX and refianced ( paid in full ) in XX/XX/XXXX. Multiple times, I have contacted Personal Finance Company to report the account information to the Credit Bureaus correctly and multiple times, they have continued to report incorrectly. 

The account was updated on XXXX/XXXX/XXXX ( 2 years and 4 months after it was closed ) and a 30 day late was marked for XX/XX/XXXX. This account was marked a 30 day late when it had been paid/closed/refienced in good standing 2 years and 2 months prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX account ( ending in XXXX ) was opened fraudulently. 

As I have upgraded my XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( ending in XXXX ) in XX/XX/XXXX, I was told that the previous card has closed. 

On XX/XX/XXXX, I went to XXXX XXXX store made a purchase, and asked the XXXX XXXX cashier to put that purchase on my XXXX XXXX XXXX account. However, the cashier open a new XXXX XXXX account without notifying me. 

On XX/XX/XXXX, I received call from XXXX XXXX to pay late fee charge and interest for XXXX XXXX Card account. After speaking with more than three customer services from XXXX XXXX on the call, they just pushed me to settle for the payment. 

XXXX XXXX failed to notified me about the new credit card account opened without my consense, until the late fee has been charged. I was charged for unfair late fee due to the mistake made by XXXX XXXX workers and XXXX XXXX. 

I have no late payment for any other credit card that I own from other banks. This has negatively impacted on my financial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Medical) with Community Health Investment Company, LLC. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ON XXXX/XXXX/15 @ XXXX XXXX XXXX OF PROFESSIONAL ACCOUNT SERVICES INC OF XXXX TN CALLED ME THREATENING TO TAKE LEGAL ACTION AGAINST ME FOR NOT MAKING A PAYMENT ON AN ARRANGEMENT. ON XXXX/XXXX/15 THEY RECIEVED AND POSTED TO MY ACCOUNT A CHECK FOR {$5.00} WHICH WAS THE ARRANGEMENT. SHE WAS SO HOSTILE AND THREATENING THAT I WAS REDUCED TO TEARS. AFTER VERIFYING I HAD IN FACT SENT THE PAYMENT AND THEY HAD RECIEVED THE CHECK I CALLED HER BACK SHE WAS JUST AS RUDE AND HATEFUL THE SECOND TIME AND CONTINUED TO TALK OVER ME AND ARGUE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a 48 month Auto Loan with XXXX XXXX XXXX XXXX. The Loan amount was for XXXX. The account was opened on XX/XX/XXXXand closed onXX/XX/XXXX ; the total length of the Loan was 3 years 7 months. The loan was paid off early, and my payments were 100 % on-time with know missed payments in the 3 year 7 month term of the loan. XXXX XXXX XXXX XXXX properly reported that the Loan was successfully completed, and the account was closed successfully. After the successful report from XXXX XXXX my Credit Score dropped from a XXXX to a XXXX ... a 40 plus drop in my Score.

My dispute Is Not with XXXX XXXX XXXX XXXX ; XXXX XXXX properly reported the term of the loan for almost 4 years, this is a XXXX XXXX XXXX. My dispute is with the Credit Bureaus Itself. My Credit Score dropped over 40 points for closing a account for XXXX dollars, that I successfully maintained for almost 4 years, with 100 % on-time payments. I did not get any positive rating or increase in my Credit Score at all for paying off a XXXX dollar Auto Loan successfully. I am respectfully requesting that the CFPB investigate this matter. Because if this is happening to other Hard Working Americans and Military Veterans, the CFPB should be putting a stop to this injustice immediately. Thank you for your time and consideration on this matter.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am XXXX due to a XXXX XXXX. I spent the better part of 7 hours on the phone today and got nowhere. I was never told there were any private loans until I contacted Navient for about the 15th time over the past several years. They never told me anything about a prior private loan before today. They would not give me any information regarding this/these loans and have since retained XXXX XXXX, a collection law firm who has the worst reputation imaginable for harassing anyone who apparently owes debt of any kind. XXXX XXXX contacted a lawyer who represents XXXX XXXX XXXX XXXX and then I received a garnishment issued on XXXX which resulted in my checking/savings accounts being drained to a XXXX balance. I never received any notice of this " garnishment '' and there is no way in the world I will ever provide financial information to XXXX XXXX, knowing they are listed as as " # 1 of the top ten XXXX XXXX debt collectors '' according to the XXXX. As far as I knew, all of my federal student loans were discharged due to XXXX XXXX  XXXX ( XXXX ) on X/XX/2014 ; however, I was never aware of any other loans. I am now literally terrified and at the highest possible XXXXXXX level. At one time, I tried contacting XXXX XXXX and was treated as if I was a criminal ; disrespected ; talked down to ; and the end result was that they wanted me to pay $ XXXX/month when I am on XXXX and could not do that. They were unwilling to negotiate on any level and now they have drained my checking/savings accounts at XXXX. If there are private loans, I am not aware of them and no one I spoke with today would give me any information about them. I do n't know what to do and my XXXX XXXX XXXX XXXX, particularly since I have already had XXXX  XXXX and already suffer from XXXX and XXXX, both conditions for which I take medication. If someone can help or protect me from these vultures, I would be forever grateful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: My husband and I purchased a gym membership with XXXX XXXX in XX/XX/XXXX. The gym went out of business on or around XX/XX/XXXX without any notice. The gym reopened under a completely different name ( XXXX ) and ownership. XXXX XXXX charges a monthly membership of {$20.00} per member per month.. I requested to dispute the charge for the remaining gym membership worth {$520.00} and XXXX training sessions worth {$180.00}. I received a call from Wells Fargo dispute department last week advising my dispute was denied by VISA because the gym services are available at the same location and because XXXX XXXX reopened the location and agreed to honor my previous gym membership. As a consumer I do n't think I should be forced to belong to a gym that I did not sign up with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V TRANSUNION 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

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