milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2016 about Debt collection (Federal student loan) with ConServe (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Hello I am writing about an issue that I had with my college school loan. I got this loan in XXXX and than I quit taking classes, so the loan was is still in my name. In XXXX I had attempted to get the loan payment deferred online at the us department of education website and while speaking with the guy on the phone. He walked me through the process and he told me my loan would be deferred for a year cause I was approved for deferment. He said he would send it to me in the mail and I need to sign a form electronically and scan to proofs of identification. He also told me that I would not get my wages garnished if I make less than XXXX. So I never received the form in the mail and by the time I had remembered what had he said about signing electronically. They had already turned the loan over to a default status. They than sent my loan over to us department collection agency and began to garnished my wages from my income tax. I just want to get this taken care of and get the default status removed and finish paying off what I owe. They have tried to reach me to collect the debt through mail it was with the National Payment Center US Dept. of Education. But there is no way to reach these people online and they wanted me to send them a payment back in mail. I would rather not go this route since the mistake was an accident and was hoping you 'll could help me get this resolved. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with CITIBANK, N.A. (WV).
Issue: Credit card protection / Debt protection

Complaint: Noticed that I had been charged for years for a XXXX program, but I was unaware of it. Contacted Citibank, who transferred me to XXXX. XXXX stated that they would send me proof of enrollment in the mail within 7-10 days ( or in some reasonable amount of time ). This was XX/XX/2015, and I have still not received anything.

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 06-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified consultant never notified me of the debt, I found out about the debt by pulling my credit report and I called to verify, they refused to verify or validate. I called and settled for   XXXX   from  XXXX  oringal amount from  XXXX  and I asked for confirmation from my payment I made with my credit card and to this day I ca n't get anything from them. Every time I call they always give me the run around and still reporting to  XXXX  as a debt and send a different balance every week Messing up my credit report. I have called over 15 times still nothing I have disputed with  XXXX  and they still saying verified and I still ca n't get this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. 
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. 
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. 
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. 
All documents supporting my position are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, FL XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX WAS 60 XXXX/EF Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/XXXX/EF I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX and XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: I received my credit report from XXXX and there is a record of inquiry from American Express that XXXX shared " as a result of my action. '' I never applied, have had, or authorized American Express to access my account. This obviously affects one 's credit score. They either have a forged document or they purposely attempted this action on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX XXXX, 2017 @ XXXX XXXX, I received a call at work from XXXX. I answered and a man gave his name ( coulnd't understand ) and the company FMS XXXX Solutions . He proceeded to inform me that I owe XXXX $ for XXXX ( my previous apt ) He asked if I was aware of this. I said, no, I 'm suprised you are calling because I was in a dispute of sorts with the office about this several months ago and had heard nothign more from them since XXXX. He proceeded to get very rude with me and said " You signed a LEASE. '' I could not get a word in edgewise and he loudly yelled, " What makes you think you are different from anybody else?!?! '' I said, Sir, I 'm going to speak to someone more appropriate on this matter. '' and I terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with Credit Karma, Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX addresses that are incorrect. XXXX of them I believe was used for fraudulent activities. I 'd like the incorrect addresses removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with MORTGAGE 1 INCORPORATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied and received a conventional loan from Mortgage 1 Incorporated dba XXXX XXXX XXXX XXXX in late 2015 for a Manufactured Home. This was a conventional loan and at the time was pleased with my experience. I am now in the process of selling this home and had made the decision to purchase a new home with the intent to sell the manufactured home. 

The issue I am now faced with is that according to HUD regulations I should not have received conventional lending for this home in 2015 due to the manufactured home having been moved to a secondary location. We were in the closing process with a buyer when their lender and title company brought this to our attention. I have talked to at least a dozen lending institutions, some of which specialize in Manufactured Home loans, and they all have said that I should not have been able to receive a conventional loan on this manufactured home. Due to this coming up during the week we were to close with the buyer they have decided to pull out of the offer. This is forcing us to put the manufactured home back on the market at a discount in the hopes of finding a cash only offer or someone who can qualify for a higher rate personal style loan for the home. If I am able to sell it at this discounted price I will have lost {$20000.00} between the first buyer and any potential buyer. 

Additionally, had I known we would have had re-sale issues we would not have made the decision to purchase a new home at this time or possibly never purchasing this Manufactured home in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Billing disputes

Complaint: My wife, XXXX XXXX, has been told numerous times by Capitol One representatives that her annual fee can be waived if she calls in by a certain date and requests such. This has been done numerous times over the past few years. This time she called in and spoke to an escalation specialist who told her that this would not be possible, despite what she had been told by previous representatives. XXXX asked that this person speak to her husband, XXXX XXXX. The escalation specialist refused to speak to XXXX, stating that XXXX would need to perform some disclosure that he never actually requested. When asked what would be required, he refused to say, even after XXXX requested the disclosure. He absolutely refused to continue the process. When asked to speak to a manager he stated that there was no one higher up in the company that we could talk to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MS).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (I do not know) with TekCollect Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX, Equifax, and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Medical) with Financial Corporation of America (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Making/receiving payments, sending money

Complaint: I recently switched bank accounts to PNC and started using it as my primary checking account. My mortgage is also with PNC so XXXX of the first things I did is pay my mortgage bill using the bank 's bill payment service. Since I did not have the payment address, I called to get the address from PNC and then sent a payment to that address. That payment never posted to my mortgage account. Not wanting it to be late, I sent a duplicate payment ... I 'm not sure if that payment has posted yet. Now I have XXXX outstanding payments and am out of nearly {$3000.00} that I need to pay other bills due to the duplicate payment. When I sent a message to customer service from the website, I got a response that was addressed to another customer and said I do n't have a checking account at all with the bank so they ca n't help me!!! This is alarming. I do n't know what 's going on. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AE).
Issue: Account opening, closing, or management

Complaint: I was provided an offer to earn 50,000 bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. I confirmed I was enrolled and qualified for this offer on two separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

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 08/25/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I 'm very upset at US Bank First while it 's charging me for it {$80.00} for paying child support with my child support is taken out my work check write a file on me and take you {$80.00} for no reason victim of fraud they take your time to reply back they ignore me for over 2 weeks I 'll tell me what 's up what 's going on with my account and then I put my checks are getting deposited in there right now I have to wait for my money and I have no but I know my car 's messed up in the shop all my bills are messed up and then I was getting past due and they wo n't tell me how to make my money and I 'm going nuts

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 05-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making extra payments on my Nelnet serviced loans since I started making payments. My minimum payment is like {$120.00} a month and I have been paying {$200.00} a month. I just figured out they 've just been advancing my due date and applying the extra payments equally to my XXXX loans. XXXX loan has an interest rate over 6 % while the other is like 3.5 %. When I called them, first they told me that 's the only way to do it. Then they told me they do it that way to help me pay over my smaller loan ( with a lower interest rate ) first. 

There is no way to change the application of the payments online and you have to dig through the help to find out the only way to do it is contact them. I emailed them, did n't hear anything back and it took me a while, some yelling and 4 holds to get the folks on the phone to change it moving forward. 

The effect is they 've charged me a ton more in interest on the XXXX I have overpaid that went to the 3.5 % loan instead of the 6 % + loan ... it 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!

Company response to consumer: Closed with explanation