milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Student loan (Private student loan) with CL HOLDINGS LLC (IN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I just picked up papers from post office regarding a judgement against me from XXXX XXXX. I attended school and graduated in XX/XX/XXXX to XXXX which is now closed down due to mismanagement of student funds. I was not aware that I even had private loans until after i graduated. Many students that attended this school was not aware of the private loans either and some students such as myself did not even get any funds that were left over after term was over. The school was to give unused funds back to XXXX XXXX or give to students but did not. At one point i was paying XXXX XXXX {$100.00} per month automatically from my checking account, then one day they stopped and honestly i thought it was because of all the mess that was surrounding the closing of the school. XXXX XXXX sold my loan to Jefferson Capital a collection agency, and I had never received any correspondence from them until last week. I 'm already overextended financially and with cost of living and other student loan payments. I work for a XXXX XXXX XXXX  and some of my student loans are in the loan forgiveness program because of where I work and there are some student loans I have to pay because they did not qualify for student loan forgiveness and they are also federal loans. So I have contacted Jefferson Capital and I have like 20 days to to set up a payment plan, pay off or get judgement placed on my credit, then sued. I do n't know what to do or if those student loans from XXXX are even forgivable or dismissable. Although motion was filed by Jefferson Capital on XX/XX/XXXX, I did not received notification until a week ago

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian appears to be mishandling personal loan records as used to calculating FICO scores. I have recently restructured $ XXXX of debt. It has been more than 30 days since I have done so. Despite a basically perfect history of payments to my debt, several of the personal loans and credit cards lied about reporting in a timely fashion, suggested I would have to wait 90+ days for them to report, and after multiple disputes with Experian , XXXX and XXXX I 've finally gotten them all to reflect that I have less than {$400.00} of credit card debt at this time ( in actual fact it was {$0.00} until yesterday XX/XX/2016 ). I have been forced to pay $ XXXX a month to Experian and XXXX to track the status of their reviews and my accounts which have been repeatedly incorrect and in the case of at least XXXX account the incorrect balance cycled multiple times from {$14.00} to {$1000.00} all the while never being anything but {$0.00} for more than 30 days. I have now noticed twice that Experian has suddenly reduced my credit score by as much as XXXX points because first they do n't notice I have XXXX remaining personal loans ( XXXX auto loan, XXXX unsecured loans ). Then their own system explains they are deducting points from my score for having XXXX or XXXX personal loans. I have called twice on this matter. No one can explain why one part of their system says I have XXXX personal loans ( correct ) while the FICO score system reports I have currently XXXX personal loans ( incorrect ). Once their system does this, it is always a matter of 48 hours before myFICO reports the credit score deduction. I will attach a document to my complaint showing on their website the report of XXXX personal loans. It is not acceptable to me that I restructure my debt to gain control over {$1700.00} a month in income only to have my credit worthiness misrepresented by Experian who charges me a monthly fee of more than {$20.00} for the pleasure of making me chase them to report valid information.

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 07/27/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I XXXX XXXX, a minority woman who has recently gone through a financial hardship due to a medical issue hereby state on the record : 1. I was on workmans compensation right after my initial injury in XXXX of XXXX. 
2. I used the rest of my savings for a time-period to maintain my mortgage payments. I them filed for a Chapter XXXX bankruptcy petition where I simply could not keep up with the payments. 
3. I filed for a mortgage modification on XXXX XXXX, XXXX, after a lengthy conversation with a Wells Fargo representative. A copy of the initial filing is attached. 
4. After that date, Wells Fargo never responded back to me. 
5. Since that filing, I am now back to work full time, and I can pay my mortgage every month after a modification is approved. 
6. This past week I received a notice that my home was scheduled for foreclosure XXXX XXXX, XXXX. 
7. This is unfair as I was never served with a complaint of foreclosure, was protected of any filing as my Chapter XXXX was just dismissed, and I was protected under the US Bankruptcy code while the Chapter was active. This is a violation of my rights under the Fair Debt Collection Practices Act, as well as the US Bankruptcy Code. There was never a foreclosure complaint served to me personally. 
8. Now I must file an action in federal court to purge this action, and I am still in activity with Wells Fargo. 
9. I need this complaint to be filed with the Consumer Financial Protection Bureau, as I am a consumer in the United States, a citizen that is having her rights violated, and a member of the minority community that feels that her race is a factor that law firms can take advantage of, in addition to Wells Fargo.
10. I am now healthy, and ready to start making payments on a modified mortgage. 
I request immediate action so that I can fulfill my obligations, and keep a roof over my head for my children and grandchildren. I am asking for no handout, just my rights under federal laws. 
XXXX 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 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A letter was sent from ERC to an old address of mine claiming I owe money for a debt to XXXX. I have never had a XXXX account and never owed them any money, nor have I ever been sent any bill by XXXX, even at this old address. So I suspect ERC or someone else is committing fraud.

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 11-06-2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a correspondence from XXXX XXXX XXXX XXXX, XXXX dated XXXX XXXX, XXXX about an alleged debt. On XXXX XXXX, XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XXXX XXXX, XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XXXX XXXX, XXXX, I received an alert from the credit reporting agencies stating that First Federal Credit Control added a collection account to my credit report, which bluntly ignored the FCRA laws. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any legal documents to properly validate the debt per FCRA. On XXXX/XXXX/XXXX, I sent another complaint through CFBP, and they completely ignored it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX / XXXX /  XXXX    XXXX   XXXX   President and CEO  , Wal-Mart Stores , Inc.       XXXX   XXXX ,   XXXX    Wal-Mart/SYNCB   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Attention : Credit Car d Services ,  XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX   XXXX   XXXX   XXXX   President and CEO, Wal-Mart Stores , Inc.      Please be advised that I am reporting Wal-Mart/Synchrony Bank to the Better Business Bureau due to the claims of not receiving my payments that are received by Synchrony  Bank on behalf of Wal-Mart, and then the Wal-Mart account shows delinquent on my account, Synchrony Bank call center ( out of US juris diction and no one at this center answers the phone for months ) sends annoying calls to me ( when I have paid my account online ) stating that the my account is closed due to delinquent payments. This act on the part of  Walmart/Synchrony Bank represents a scam to confuse the customer ( s ) online who has paid on time and can not determine as to where the payments are received when paid online by the customer ( s ). My account is closed, but the Better Business Bureau needs to investigate matters of this type to stop the harassment made by Synchrony Bank on behalf of Wal-Mart or vise versa profiling and selecting zip codes to be sent out of the United States where the likelihood of reporting this profiteering by Wal-Mart/Synchrony B ank.     Thank you.    XXXX   XXXX   XXXX ,  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 08/13/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I inquired about the loan after receiving a letter in the mailast. I applied for the loan and was approved for {$900.00}, but only took {$550.00}. I was told that I had a small finance charge. I was not able to see the paperwork until after the funds were deposited into my account. I called and actually did not accept or sign anything initially, but funds were deposited. I thought that was how it worked. However, after I received the funds I read the paperwork and that 's when I discovered that over the next two years I will pay {$2400.00} or more for borrowing {$550.00}. I asked about it and was told that if I paid it off early it would be {$750.00}. Which is reasonable, but that was only if I paid it off by the first payment. I have been trying to gethe them to reduce the interest charges, but they will not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This complaint os regarding a letter I mailed to tram-union company on   XX/XX/XXXX   In the letter i disputed a very old account that contains concerning information which is not correct and is affecting my credit report and score.
I disputed the accuracy of   XXXX   XXXX    #  XXXX  This item is showing wring information and has negative items attached to it affecting me. This item was in violation of FDCPA laws back in  XXXX  and it reappeared on my credit report under  XXXX . I had settled this amount man many years prior and it was illegally re aged and reappeared under a different account on my credit report. I have never owed this company and when i wrote trans-union about its accuracy and why it is appearing on my credit report I did not hear back from them regarding it and I have been waiting for a long time for it to be deleted. This company has harassed me and I would like them to stop.

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After several months of no decision on a loan modification and being told that if I accept a trial it will halt c  Income bas ed consideration,  Citumortgage sta rted the foreclosure process on my home. After several conversations, I was asked if the home was vacant. The answer was yes. It seemed that the movement stopped on my modification because it went to underwriting twice. During this time I went to court several time and at the mediation, there was no compromise on their part. I was offered a trial that was {$800.00} MORE that my current payment. I made  6 pay ments because I did n't want to loose my home. When I received the paperwork, I questioned why my payment was so high and was told it was for taxes and I needed to discuss it with   XXXX   tax. They put me in touch with  XXXX  and they said it was the vacant property tax. When asked how they know the house was vacant, they said  Citu rep orted it to them. They also said that there were conditions for exemption. I was exempt o n 2 ca tegories. Litigation and renovation work. The tax was  XXXX  and should not have been paid  by Citi an d added to my mortgage payment. I submitted the necessary proof to  XXXX . I had a court date in the interim and told the court about the payment and that I was awaiting that reimbursement. In the meantim e Citu sold m y note to  XXXX  mortgage for  XXXX  without the adjustment being received for the  XXXX . The original mortgage at time of application for modification was  XXXX . The problem is that the bank reported my home to the city as vacant knowing that it was exempt from the year over year tax. I wonder how many people have lost their home because citi reported their home and they incurred the tax and did n't question it.     I want this practice looked into. I wan t Citi to modify  my mortgage to the very first offer and make adjustment inclusive of all payments, interest, fees, etc.

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 04/13/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Application processing delay

Complaint: I am XXXX, full time employed $ XXXX per annum with CREDIT score of XXXX. My father had Citi thank you preferred credit card, i was an authorized user since XX/XX/XXXX. He died XX/XX/XXXX I closed his accounts and credit cards. This was about 15 months ago. 
I want to start travelling again. I only have XXXX. I have been turned down by Citi, XXXX and XXXX. Either for my age or for closing a credit card within the last 24 months. I need XXXX and XXXX now to prepare myself for a visit to XXXX and XXXX, staring XX/XX/XXXX. Can you assist me?

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 10-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas XXXX XXXX XXXX XXXX, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the XXXX & XXXX agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners. 
The XXXX XXXX, XXXX & XXXX are complicit in acts of moral turpitude by their lack of XXXX federal guideline enforcement that are within the scope of influence and this tax payer funded state agency. 
I have attempted to bring transparency to the injustices committed from the XXXX XXXX XXXX XXXX XXXX agency that fails to discipline violators of the XXXX federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization. 
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the XXXX & XXXX agency as well as the performance of Executive Director XXXX XXXX to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (I do not know) with Mullooly Jeffrey Rooney & Flynn (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In reference to complaint number XXXX, we have not received a response from Nationstar. Per their last communication to us, Nationstar was to provide a response by XXXX/XXXX/15. It is now XXXX/XXXX/15 and we have not heard from Nationstar.

Company response to consumer: Closed with explanation