milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Company called me today X/X/2017 and asked to speak to my wife. After asking why, representative said that it was a personal matter. They keep calling me 24/7, and will never stop. Keeps using XXXX  phone numbers to keep calling me, examples are XXXX and XXXX. They are doing this, because incase I block them intentionally, they will try to call me back with another number locally. I want this company settled. Also, representative was very rude to me, and demanded to speak to my wife. I do not have a account nor my wife has one with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Using a debit or ATM card

Complaint: Wells Fargo processed a transaction on my debit card as a credit card transaction attached to my checking account. I did not have funds in the account, instead of declining the charge, they process the charge, They then charged me a XXXX insufficient fee for paying a charge that should have been declined if funds were not available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After school my job did n't pay enough to cover my house yet alone the new {$500.00} payment I had for student loan debt. When I asked about lowering the payment I was told I do n't qualify and then was told to put it on forbarence until I could get a better paying job. Well that still has n't happened so it has just been put on forbearance over and over for years.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. 
I pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently checked my credit report with Transunion on the XXXX of this month. I noticed that a few inquiries were removed as well as a account for XXXX. I checked back today and I see that those same items was reinserted back on my report with them notifying me via mail within the five day according to the FCRA. The dates on all these accounts was changed to reflect current dates which is also not legal. XXXX changed there name when they was added back onto my credit file.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: At approximately  XXXX  CST on  XXXX / XXXX / 2017 , I logged onto my chase credit card account to find it closed. This happened to coincide with my declining of a mortgage offer from chase on  XXXX / XXXX /   2017  which the terms were awful. I have been an outstanding customer with a on time payments and a   XXXX   balance. I reached out to the customer service team, was transferred and put on hold 5 times before " a supervisor '' communicated that the account was closed due to chase 's decision. I asked for what reason,  XXXX  said that is the only thing I can tell you. It is ironic and silly that any creditor would close a perfect customers card immediately after my declining of their offer for the mortgage. It seems illegal and bad business practice. Once I told the supervisor I was recording the call she responded with I can not proceed further. How can anyone be sure these people are on their best behavior if they are n't being recorded? And what is their to gain or hide by doing so. I just wanted honesty and to uphold the representatives to the truth. I have never contacted the CFPB or BBB, but I feel like  XXXX  did this with bad intentions, also my  credit score is af fected from them closing my account and hampering my debt-to income before purchasing a home. I can not believe  XXXX  has treated me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our Experian credit reports include the following new inquiry : XXXX XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " XXXX  '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with Experian, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX   credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone XXXX at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.

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 05-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo did ilegal VA Home Modification False information they have sent letter after 4 years they had put XXXX XXXX XXXX XXXX XXXX XXXX Went Bankrupt XXXX when we were trying to do a Fair XXXX Home Modification.They made us look as though we were high credit risk Saying we went Bankrupt XXXX which we did not they held Security XXXX dollars.Everything was done Via mail, they were supposed to correct this we did go bankrupt XXXX we did not list are VA Home loan .Made all payments Lawyers told us XXXX you do not have to reaffirm loan.We made all payments XXXX XXXX was found to have XXXX XXXX .We were 1 month behind on mortgage Wells Fargo told us to stop making payments 3 months before they could do a Modification, they put we went bankrupt XXXX which we did not made us look like we had a high credit risk took Security Instrument.Lock are loan we could not get a lower rate.Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Getting the loan

Complaint: On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. 

On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 

1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. 

If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. 

Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. 

Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 

2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. 

Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to lower my payments, figure out a different payment plan, or defer my payments since XXXX/XXXX/XXXX. I spoke to numerous ppl through Navient and each person I spoke with would tell me that I had already exhausted all of my options, and that I just needed to make the payments. As a XXXX XXXX XXXX XXXX XXXX XXXX, and also taking care of my XXXX father, I am unable to make the outrageous payments that they state I need to make, which has now ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XXXX XXXX had informed me that Equifax has a fraud alert on my credit report. I did not place it on my report and they have refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Servicer / XXXX XXXX XXXX XXXX : Denied not enough income 130 % Debt to Income -- For three Months my application has been in and Countless Times re-sending- They wanted me to Break my self employed income away from my Long Term Rental income- LESS {$2800.00} in income -- so the Over All Income would not work - that is WRONG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Naivent  offered me a settlement of {$8600.00} for  XXXX  private loans totaling {$29000.00} Last  XXXX . I paid the {$8600.00} and was told I would receive a lett er in 30 -60 d ays saying 'congratulations on paying off your student loan '. Well I never received the letter and the loans are still open saying I made a payment in  XXXX  but now they are past due. I ca n't get anyone at naivent to fix this for me and Now it 's hitting my credit report every month. I 've called naivent and they repeatedly say 'let me transfer you to the right department and I get hung up on. I finally t alked to one person after three tries and was rudely told I need to contact them by a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was the original file #. This company continues to give me inappropriate information and management has made promises that they never follow through with after the call has ended. They have continually put errors and have damaged my credit due to errors in their system. They claim I am entering incorrect bank account # in the system which is causing payments to be returned. I am attaching information to support the information has been valid. There were 2 payments taken out for XX/XX/XXXX payment. This would have been impossible if the information was not entered correctly. I would like for my credit report to be corrected asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have proven my standding with facts, and bank of america has shown no clarity or validation thats my debt. They responded with their rules with no proof of applicability and presumptions and threatened to report me to  XXXX  for an ALLEGED debt which is a computer error created by a  XXXX . boa are crimnals and now im going to show   XXXX   XXXX   americans how boa committs morgage fraud and steals houses. You really  XXXX  me off. Yu owe damages for punative and a  XXXX   XXXX  $ $ $ for using my name as a vessel/bond > fictitious name!!! YOU MISCREANT CRIMINAL LIAR FRAUDSTERS!!! CANT RESPOND TO ME AFTER HOW MANY MONTHS, ARE YOU CONFUSED? OR JUST GUILTY AS  XXXX ? thats not my name on that paper you  XXXX !! and i dont like your threats,  youcan t ake  XXXX  and shove it up your  XXXX , your response said you closed the account, SO CLOSE IT ALREADY AND STOP USING MY PERSONAL AND PRIVATE INFORMATION!!! YOU READ YOUR LETTER YOU SENT ME AND LOOK AT ALL YOUR     XXXX   UPS!!!     This legal notice being sent and delivered to you persuant to   XXXX     Statutes 48.081  NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETT ERS ) in  a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime unde r Title 39 U.S.C.  Section  3003, Title 18 U.S.C. 1302, 1341, 1342., and is pu nishable by up to 15 years imprisonment and {>= $1,000,000} fine.

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 12-12-2017 about Debt collection (Credit card debt) with Absolute Collections Corp. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.

Company response to consumer: Closed with explanation