milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In recently signed up for credit report info on credit Karma.com and noticed a collections account from a company called IQ International. I have never been contacted by this company in regards to this debt via email, postal mail or telephone. In addition, when I sought them out -calling them inquiring about this debt on my own accord to learn more information on it, the staff member was extremely rude and derogatory. I stated several times that I had never been notifed by her company about this supposed debt and as such I asked to speak to a Supervisor at this time ; the employee refused to transfer my call stating that until we work out a plan to settle the debt, she would not transfer the call. I listened to the alleged charges - when I asked to have a written copy sent to me as I was going to dispute them due to inaccuracy, she refused. I stated that this was unethical practice and would seek an attorney if necessary and she said that my account was " noted '' it would not be reduced, or ammended and must be paid in full and that she would not send out any documents to me so have my attorney call them,

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 11-10-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Account opening, closing, or management

Complaint: The XXXX has directed me to you for help with an ongoing issue I am having with Wells Fargo. In short, they have arbitrarily closed my separate XXXX nonprofit business account thrice. The bank has failed to notify me of these closures, and the bank has failed to restore the nonprofit 's balance that was in the first account they closed without my permission. 

I have notified the bank on numerous occasions and the XXXX helped me restore XXXX account, but Wells Fargo has continued to close my account and has never restored the nonprofit 's balance. As of last week, I was appraised to Wells Fargo illegally depositing a XXXX XXXX donation into my personal checking account ; I can only assume they did this because they closed my nonprofit 's business checking account. It 's my understanding that this is theft, fraud, and illegal, and this appears to align with the illegal behavior Wells Fargo was recently accused of doing with manipulating checking accounts and massive employee firings / federal lawsuits. 

Please let me know what I can to do to remedy this problem as Wells Fargo has ignored my request for resolution. I do n't want the IRS to think my nonprofit was knowingly breaking the law by applying tax-exempt donations to my personal checking account.

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 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Credit reporting agencies have allowed debt collectors to resell accounts and allowed them to re-post in an attempt to keep aged accounts open as if new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Capital Accounts, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated calls from different numbers. The caller i.d . will show local retail store numbers and or local business numbers. I informed the collector I will contact the original creditor because this debt was from my ex husband insurance.caller then stated the original debtor could not talk to me because the account was theirs now. I have disputed the information from my credit bureau as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Sears Credit Card / Interst rates are to high.

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 08-11-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuse to send me my credit report I have done every thing they asked of me but they refuse to send my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: I was denied a loan modification, twice in the last 2 years by Nationstar Mortgage. After hiring a lawyer and paying for a Mediation, the lawyer and bank have allowed my home go into foreclosure. I am also XXXX, XXXX  XXXX, for the second time and have owned my home since XXXX. XXXX XXXX XXXX ( I was with them for 26 years ) sold my Mortgage to Nationstar after I said I was filing a complaint against them for denying a HARP loan that I was eligible for. XXXX tried to tell me that I needed to be late with my payments to be eligible and I knew better because I had read the stipulations on the Government web sight. When I told them that I was filing a complaint because of false information, they sold my mortgage. Nationstar also told me to be late with payments and I told them it was not correct info. They promised to lower my payments through the Loan Modification Program.  After making the 3 initial payments, I was told to wait until I was notified about my new payment. After several months, I contacted them to find out what was going on and I was told that I had to do the loan modification again, because I didn't send payments, when I was told to wait. I again went through another modification and discovered that Nationstar was reporting me late to the Credit Bureaus. I had to hire a lawyer, who was in bed with the other lawyers and they " kicked the can down the road '' and I now am in foreclosure. I had an IRA that the lawyer told me to drain so that I could make Nationstar a cash offer. I had {$110000.00} and tried to make an offer, through my lawyer, and was never given a payoff amount. The lawyers have charged me almost {$20000.00} and I have accrued charges that are {$41000.00} over what I originally owed. I notified your agency at the beginning of the year, by phone, and NEVER received a complaint form. Thank You for your help with my situation. I have listened to XXXX XXXX and I appreciate ALL that your agency does to help us. We finally have a voice against these unjust practices. I am XXXX years old and have never asked for help and I really need it now. XXXX Bless and Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan payment, set by my private lender, is in excess if {$2000.00} per month. I, however, make just over {$3000.00} per month - post taxes and other withholding fees. After explaining my situation to my lender and trying to find pathways to reduce my payment to a financially feasible amount, the best they seem able to do is reduce my payment to just under {$1000.00}. 
I understand that my total loan amount with this lender is nearly {$200000.00}, but a more realistic payment would be attainable if my interest rates did not range from 7.25 to 10 %. I have continued to make " good faith payments '' to demonstrate that I am willing to pay and in no way attempting to blow off my responsibility, but being a that I only graduated XXXX months ago, it is virtually impossible for me to come-up with the type of money they are demanding. I would turn to my family and my cosigners, in particular, for more help, but the required repayment and subsequent repayment options offered by my lender still leave us desperately inadequate. 

I am currently seeking higher paying employment and ways to reduce my living expenses, but my options and professional growth as an XXXX are limited as a direct result of my crippling student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please See Case Numbers:XXXXXXXX is collecting a debt on behalf of XXXX XXXX. This in my opinion is a fraudulent attempt to collect a debt that is not owed to XXXX XXXX. This obligation was satisfied by signing over ownership to XXXX at which time they sold the car and kept the proceeds. At the time, I did n't realize that XXXX will attempt to collect XXXX after keeping the proceeds from the sale I made a written complaint to Trans Union asking to verify the debt from XXXX. Trans Union claimed in writing that the debt was verified and will remain on my report. I called XXXX and they stated that they did not verify the debt and do not make any attempt to verify the debt. If XXXX claims the money is owed, then that is sufficient validation for them. XXXX has already removed this Claim from XXXX as XXXX could not prove that any money was owed to XXXX or them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card from Chase Bank  NA  for which last month I did not receive my credit card and I did not realize it until yesterday. Today I made a payment of {$100.00} via their online system. Then I called  Chase C.S.  spoke with a Representative whom I explained that I did not receive last month 's statement and I was charged a late fee of which I refused to pay. He informed me that the bank is open   24 hours a day 7 days a week for which I told him that I am not available 24/7  being I have my own problems to take care of. Further he point blank refused to issue the credit of {$29.00}. I then spoke with a Supervisor who was informed who I was but that was not enough for her being she requested that I tell her anyway of which I refused being I felt that it was uncalled for.
I requested to talk to her Manager but she refused and said I must have a call back within 24 to 48 hours. I refused as I did not want to wait. In all honesty I am really angry being I have paid several late fees in the past when I did not get my statement ( s ) and now I will not pay this {$29.00}. I expect Chase to remove this late and if they even attempt to report the missing payment to the credit and d  estroy my credit I will take legal action against them. Several times I had a problem with them and I never filed a complaint against the bank but now I am really done excusing the Chase.     I am not obligated to chase after the post office looking for my statement nor am I obligated to go crazy making sure Chase sent me my statement. The pushes the blame on post office for not delivering the statement and hold me liable for not calling them if I do n't receive it. Well I am sorry I hold them liable for not receiving it and the post office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I sent check number XXXX to OCWEN. The amount of the check was {$15000.00}. I also included a request for a pay off amount after the payment was applied. I contacted OCWEN on XXXX XXXX, 2016 to find out why the check had n't cleared my account. I was informed that the check would be returned since it was n't enough to pay off the loan. I asked for the payment to be applied to my account and I would request the pay off after it had. The customer service representative agreed to this request. As of today, the check still has n't cleared my account. I have submitted a screenshot of my checking account balance to show that the funds for this payment are available. I have had nothing but trouble with OCWEN since they took over the loan. I want my payment applied and a payoff amount sent.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with WELLS FARGO & COMPANY (WV).
Issue: Delinquent account

Complaint: Wells Fargo cancelled most of the debt for a credit card. After taking a tax write off for the debt, they continue to say I owe the money and will not update my credit report.

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 05/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.

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 06-10-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mother had a reverse mortgage with reverse mortgage solutions. After she died we put the home up for sale we were supposed to close on the loan on XX/XX/XXXX we in order to pay off prior to that on XX/XX/XXXX and the lender placed the home in foreclosure on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ;  2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ;  4 . Any and all canceled checks ;  5 . Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ;  8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.

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 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. XXXX XXXX XXXX will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to XXXX XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my XXXX in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even abc financial called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.

Company response to consumer: Closed with explanation