milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have been receiving calls from Municipal Services Bureau daily for about two months. The caller ID says Gila Corp. so we are unable to block their calls. The number they say to call is XXXX which we have blocked but continue to receive these calls. The message says they important information and to call XXXX immediately. According to XXXX, Gila Corp. is a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: The relationship between a customer and the bank it 's based on longtime trust, client 's record and routinely transactions. We have been loyal customers with Wachovia and ever since the transition to Wells Fargo. The bimonthly payroll it is already a tradition of several years. Two branches in particular we 're accustomed to are XXXX branch and XXXX XXXX, both in FL. Never had any significant issues. On XXXX XXXX, 2016 when doing our routinely transaction, the branch manager at the XXXX XXXX location she refused to perform the usual transaction. Our checking balance as usual, the same payroll check, nothing out of the ordinary. Additionally, when trying to understand why this manager would refuse to perform the transaction, she addressed us with an irritated attitude that was far from professional and has forced us to avoid this branch in the future, perhaps even transfer our business to a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: APR or interest rate

Complaint: I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work out a modification or payment plan with my lender, Selene Finance for a very long time. I had a forbearance agreement in place that the lender failed to hold up their contractual commitments and I have subsequently filed Chapter XXXX to help me re-structure my mortgage debt and save this home. On XXXX XXXX, XXXX, Selene received an Attorney Authorization to work with me on a loss mitigation agreement. Following Selene 's receipt of the authorization, I have called repeatedly to discuss my options with Selene. From my phone number and/or my loan number, I was put into a voicemail box that states that the 'agent handling my account is not available. ' More than two dozen times I received this message and left at least a dozen messages. No return phone call, no letter, no return contact from Selene, which is the way it has been since they began foreclosure proceedings on me. I make good money and can restore this loan if they are willing to work with me. 
On XXXX XXXX, over one month later, I was able to get an agent on the phone by blocking my number, not entering my loan number, and pressing # repeatedly. This agent acknowledged receipt of my Authorization, and said there are no records of me calling. She said the agent handling my account was XXXX and that I could leave her a message, which I agreed to do and did. She suggested that I submit a Loss Mitigation Application, which she instructed was available on Selene 's website. The agent explained that once submitted, I would receive notification within 72hrs if the package was complete, or if there were any additional documents/information required. I promptly submitted this form with all the necessary documentation the same day, XXXX XXXX, XXXX. It has now been 8 days and I have yet to hear from Selene, again. This has been the story for years as they have refused to communicate, refused to honor their contractual agreements, and have blocked any means for me to restore my loan status. It is obvious to me that Selene wants to foreclose on my home, irregardless of my ability to mitigate the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. 
i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX. 
i was a long time customer and the last 1 year and a half was like paying for nothing. 
This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX. 
i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.

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 07/13/2015 about Credit card () with Brightwater Capital, LLC (FL).
Issue: Bankruptcy

Complaint: BRIGHTWATER CAPITALC/O XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXXCA N'T FIND ANYTHING ON THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-03-2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This complaint is being sent to Wakefield & Associate in response to the above reference account ( XXXX & XXXX ) that Wakefield & Associates has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that your offices have reported invalidated information to all of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on my XXXX credit report by your company, or companies that you represent. I will not hesitate in bringing legal action against Wakefield & Associates for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Citi /AAdvantage Gold World Elite Credit Cardmember in excellent standing since 2003.

Interest rate on this card had always had been 11.25 %. 

I stopped paper statements more than year ago. On auto payments - therefore, i don't login to Citi website often. 

I've recently become aware of an increase to my interest rate of 1.5 %, from 11.24 to 12.49 %. 

On an {$18000.00} to {$19000.00} balance ( when increase occurred balance was higher than $ 17k currently ), this was a substantial rise in interest allocation To the Bank and not the consumer principal portion of my monthly payments I feel this is an abuse of CFPB Consumer Advert Law, as I was of the understanding, that Citi was to provide/reward their best paying long standing customers, those who always pay on-time, such as myself, by Lowering the Rate - and certainly Not Raising it. 

Fed raising the prime a half percent last year has nothing to do with deceptive practices with promise of lowered rates for customers paying on time consistently over time ... ..which i have done. 


I would now request that Citi Card Re-imburse my account all of the interest and fees over-charged from this higher interest rate discrepancy. 

From what I was made to understood, I should've been entitled to a Lower Rate, because Citi Rewards their Best Customers who've Never missed their monthly payment. 

I've been over-charged in fees and rate, and request Citi to credit all months my account was over-charged for this Higher Rate also factoring in the Lower than  11.24 % rate that I had Expected to receive. 

I would like the over charges to be applied back to my Principal Outstanding Balance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter 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 11-01-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (DE).
Issue: Trouble during payment process

Complaint: CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.

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 06-06-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: the collector contacted my HR department, left a voice mail ( which I still have ) saying they were a " remediation specialist '' and that I was " chronic '' on not repaying my loans and did NOT leave a message as to the name of the agency she was with. Only that her name was XXXX XXXX, Ext XXXX and the number XXXX. When I called the number back just a few minutes later I was told that she had left early for the day and that they were trying to collect the debt for Check into Cash. This caused my HR department to call me into the office and ask about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you

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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was  Southwest Credit Systems  for a debt they say I incurred back in   XXXX   with  XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL  XXXX .  XXXX ,   XXXX   and  XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit  score.  But then ruined my  credit score  anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Payday loan) with Solidus Group LLC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call at XXXX XXXX XXXX, 2015 from a XXXX XXXX who said she represented Delaware XXXX which is a law firm, supposedly. She said she had a summons for a court appearance but said if I agreed to make payment arrangements she would confer with the other attorneys to stop the summons. My boyfriend stopped me from giving her my banking information, I gave him permission to speak to since he has some training in law. She got very hostile and rude. He hung up with her and told her not to call back in front of me and my mother. She called back about five other times all with the intent to harass me in violation of the fair debt collections act. I finally told her to stop calling and that it was being documented each time she called and she hung on me. I also asked for written verification of the debt and she refused to give it, all she said was she would refer the matter back to the attorneys if I did n't make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My father and I share the same name. The company below : FINANCIAL RECOVERIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Keeps reporting a collection on my credit report. I 've disputed with both XXXX and XXXX. They removed it but it was recently added again a few months ago. I even called them and they verified that the date of birth and social on file do not belong to me.

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 10-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I formally request that my 31 Public Service Loan Forgiveness ( PSLF ) qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX. The events leading up to this appeal for my pre-existing qualifying payments be counted towards my existing public service loan application are as follows : Upon my graduation from XXXX and XXXX XXXX XXXX in XXXX XXXX, I called FedLoan Servicing to inquire about loan consolidation and loan repayment options. When I stated my plan to enroll in the PSLF, I was advised by a FedLoan representative that due to my XXXX XXXX loans through XXXX, my FedLoan debt would be disqualified from PSLF eligibility if I consolidated my loans. I followed the FedLoan representative 's advice and proceeded to make separate monthly payments to FedLoan servicing and to XXXX. I have records of my regular payments. 
I worked at XXXX XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX and during this time made 31 qualifying payments under the Income Based Repayment Plan to FedLoan Servicing. I have multiple letters of qualifying employment verification from this period. 
Throughout my employment at XXXX XXXX XXXX, I remained in contact with FedLoan Servicing representatives via telephone and followed the progress of my loan repayment. I have screenshots of the FedLoan website that demonstrate no discernible difference between the loans and their respective PSLF status. 
After learning about the Revised Pay As You Earn Plan, in XXXX XXXX, I called FedLoan Servicing to inquire if I was eligible for this plan. A FedLoan representative informed me that I did qualify, but also recommended I consolidate my FedLoan XXXX my loans to qualify for PSLF. It was only after this discussion that I learned that my XXXX loans originally serviced through XXXX XXXX and taken over by FedLoan in XXXX XXXX did not qualify for PSLF. I immediately followed the FedLoan representative 's advice and re-financed all of my XXXX loans to qualifying loans. I have attached documentation of this consolidation. 
After refinancing my loans, I noticed that FedLoan servicing changed the website to better demonstrate PSLF qualifying payment status. I have screen shots of the revised website. 

In conclusion, beginning in XXXX XXXX, I made 31 payments, but due to a lack of communication by both the website and FedLoan representatives, I did not file the necessary XXXX consolidation paperwork until XXXX XXXX. I formally request that 31 PSLF qualifying payments be credited to my FedLoans dispersed on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.

Company response to consumer: Closed with explanation