milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt of {$1000.00} from  XXXX   XXXX  when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment.  One ye ar later, I found out {$1000.00} was sent to collections. I settled with  XXXX   XXXX  &  XXXX  for {$700.00} in  XXXX     2015.  2 years later, I now find out that a {$360.00}  ( d ifference of debt owed and settled ) is in collections at National  Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from  XXXX   XXXX  into collections  XXXX   2015   ( c oincidentally 6 months after first settlement ). I called  XXXX   XXXX  and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**.  They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is XXXX repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in XXXX correcting the Monthly DUE DATE. XXXX reported to EQUIFAX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite XXXX taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. XXXX 's sister company " XXXX XXXX ''  paid as well. They also posted payments to someone else 's account to add to mess so the $ 15,000+ remained on my report .XXXX reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Reference Caliber Home Loans # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX On XXXX, XXXX I had originally called and requested assistance with my mortgage due to falling behind on my mortgage. I was sent paperwork that I original signed and filled out with the original requirements. I was told that I was going to be placed in a forbearance workout and not a modification. 
Since then, I had a change in circumstances in income. My spouse that was bringing in the additional income had left the home. I lost the additional income to meet the deadline of the agreement. I called XX/XX/XXXX, before the first payment was due, to inform Caliber home loans and uploaded additional documentation along with a letter of explanation as to the change in circumstances and spoke with XXXX ID XXXX. I was informed by XXXX ID XXXX that we needed to fill out the HAMP/Modification forms. Once the forms were completed I spoke with XXXX ID XXXX that confirmed receipt of the forms that were uploaded in your system. It was then the previous work out was to be cancelled and the new request of the Modification was to begin. 
I had my representative XXXX XXXX XXXX of XXXX XXXX XXXX call onXX/XX/XXXX and it was stated that no paperwork was received and we had to resubmit the paperwork for the Modification yet again. On XXXX XXXX XXXX called again and she spoke with XXXX ID XXXX who mentioned that the review process was done on XX/XX/XXXX and to follow up on XX/XX/XXXX to see who the new Modification rep will be going forward. It was also mentioned that a letter that was never received that was mailed on XX/XX/XXXX in reference to the cancellation of the original forbearance plan. 
While waiting for the additional information for the new request for the Modification there were no mailing, phone calls, nor emails concerning the update of the modification. My representative, XXXX XXXX, called on XX/XX/XXXX and spoke with XXXX ID XXXX who confirmed that the second request for the modification was included in the case of the forbearance plan and the Modification paperwork was not submitted yet again as requested. We had to resubmit the paperwork via Caliber Home Loan upload, via USPS and USPS Express in which we have confirmed. 
Since then I have received letters : - on XX/XX/XXXX -stating that we needed to complete the application process. Nothing stating either way of the new upload for the new request of the Modification. 
- XX/XX/XXXX I received a letter ( form letter ) along with a Modification package - XX/XX/XXXX-I received a letter from the XXXX XXXX claiming that my mortgage has been referred for foreclosure. 
Again this has been a very tedious process and I have done my part in communication and trying to get a modification for my home. My intent is to keep my home and maintain it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I fought this medical debt over a XXXX w/my insurance for XXXX years, it is now paid in full by me, but there are several things wrong in the details. XXXX. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.XXXX.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? XXXX. terms are listed as XXXX month? there was no terms.XXXXIt lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.XXXX.All XXXX credit agencies have different dates of XXXX reporting.XXXX was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was XXXX and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have a personal loan through One Main Financial in XXXX, KY XXXX. If I am ever late on a payment, they call me multiple times a day, and they continue to call me before XXXX XXXX despite me telling them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: American Education Services ( AES ) is a student loan company that does not work with you and I feel the loans that they are asking me to pay are not associated with me ( XXXX in total ). I have XXXX check stubs as well as XXXX deposit slips for the loans I have obtained from them but no record of the other XXXX loans. I requested my promissory notes for all the loans because I have no record of that ever being signed and I have no copies for myself. When I requested them they sent me application signature pages from applying to the loans. Which raised red flags in my book. I consistently call to ask for help but no help is ever received. My loans are now in collections and is destroying my credit. I have become so XXXX from the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I told this company yet again as I have been telling them for almost a year that I have pages of inquiries that are not mine. My husbands ex wife at some point ran our credit over and over in an attempt to mess up our credit rating after she was served with child support papers. Since then I have tried to get the reporting agencies to remove these fraudulent inquiries. All other reporting companies have complied except Equifax. Equifax almost cost me being able to get approved for my home we just bought. I am a XXXX and have been for 10 plus years, my husband is XXXX and all we are trying to do is live our life. We pay our bills and I do n't think It is fair that I am penalized for things I did not do. This company refuses to do anything about this. Everytime I file a complaint all they do is send me a paper that says " inquiries are of factual record '' and they ARE NOT because I did not give consent in any way. Verbal, written, implied or otherwise. It 's like these companies just do n't care that they report wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a credit card courtesy check for {$5000.00} via mobile deposit to my Chase checking account. The response I got via the app was that the deposit was not successful. I then deposited the check via a mobile deposit to XXXX. That deposit was successful. On XX/XX/XXXX I  received an email from Chase stating that the deposit was successful. I immediately called Chase and told them when the app said the deposit was not successful I had deposited it to another bank. Chase said they would not complete the deposit. On XX/XX/XXXX I looked at my XXXX account and saw that the {$5000.00} deposit to XXXX had been reversed. I called and was told I could n't deposit a courtesy check into the account. They could n't tell me why. I believed at that point, that the {$5000.00} was not deposited anywhere and my credit card ( that the courtesy check was drawn on ) would n't be charged. Around XX/XX/XXXX I looked at my XXXX account and saw that my credit card was charged the {$5000.00}. I spent the next 10 days or so trying to resolve the issue with XXXX ( the bank the credit card was through ). Every time I received a different reason why I owed my credit card {$5000.00} yet had not received {$5000.00}. I finally spoke with a corporate person and she said XXXX had paid the {$5000.00} to Chase. I began calls to Chase. They say XXXX put a hold on the check and did n't pay it and they claim that when they call XXXX their calls are n't returned. It 's been more than 5 weeks  and I now owe {$5000.00} yet received nothing for it. Each bank claims they do n't have my funds yet the credit card side of XXXX wants me to pay for the funds. No one will take my calls and I do n't know what else to do. I got as far as the executive level with each institution and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Despite my three written request, the unproven noncompliant account listed as XXXX XXXX XXXX still remains on my credit report with Experian in violation of the Federal Law.  This account has been deleted by XXXX and XXXX. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!

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 03/31/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My loan company Quicken Loans is trying to auction off my home. They have not allowed me the opportunity to go through mediation as required by Maryland law and they have not reviewed me for ANY programs that may help me save my home. This is an FHA loan and I have been told that there are several programs available on FHA loans to help homeowners who are struggling. I had a hardship and it caused me to fall behind on my loan but I have recovered from this and am working and trying to fix the problem with Quicken Loans. However, they tell me I have to pay them all the late payments at once or they will auction my home. I live here with my wife and XXXX children and I do not want this to happen. 

I bought my home in XXXX and completed an FHA streamline refinance through Quicken Loans in XXXX. In XXXX XXXX my wife was pregnant and she saw a large snake in our house. She was very scared and essentially refused to live in the house because she was scared for the baby and for our other small child. So we had to move out of our home and stay at my mother 's house for XXXX months. I had to pay my mother rent, as well as pay the utilities and mortgage payment on our home. A couple of months later I began falling behind on the mortgage payment. My wife insisted that I hire people to come out and clean out the entire house and treat it with reptile repellent. This was expensive and it took a while to get this done. 

Shortly after I began missing payments I tried to start the review process with Quicken Loans. I was assigned a case manager but I was rarely able to speak with this person, and instead talked to other workers who were not knowledgeable. This went round and round for XXXX months -- I would be told I am now in review with the underwriter, then I find out a couple of months later that the review was not completed because of this or that document and now we need to start over. 

This is not acceptable. We have moved back into our house, so the hardship has passed. I am gainfully employed and can afford a fair mortgage payment. However Quicken Loans has not given me any options other than full reinstatement, which I am not able to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. 
Suspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. 
Calls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never consented to be a co signer, account does not belong to me, I am a victim of 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 explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has compromised my wife 's and my personal financial data and have only limited solutions that may involve me forfeiting some legal rights. Hackers may now know my personal information as Equifax was careless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: I had XXXX fraudulent transactions of {$990.00} each stolen from my USAA Savings account. Each of the transactions involved transfers to an organization ( unknown to me ) called " XXXX. '' The transfers are as follows to individuals who are also unknown to me. They are as follows : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX I have called USAA over a half dozen times with calls, including wait time while being transferred etc., averaging close to one hour. In over a month of trying to get a resolution, the following has occurred : XXXX transaction of {$990.00} has being refunded to my account The other XXXX fraudulent transfers of {$990.00} each are being denied because of " customer involvement. '' I have been provided no proof ( none exists ) of my involvement. 
There is a refusal to allow me to speak to the analyst who reached the " customer involvement '' conclusion. The claim is that customer service has no way of transferring my call. 

Of additional relevance : I live along, am former law enforcement, and I do not share my login information with anyone. 
In addition to the savings account that is under siege, I also have : o A XXXX USAA Savings account o Checking account o Auto insurance policy o Homeowners policy o An umbrella policy o Life insurance policy o A USAA Visa card o And have formerly had multiple auto loans ( now paid off ). 
I have maintained accounts as a member of USAA for thirty-three years The one scanned document attached is a letter advising that the first fraudulent transaction of {$990.00} was being credited back to my account. I can also continue to search for the denial letter if necessary.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/20/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (MN).
Issue: Unauthorized transactions or other transaction problem

Complaint: My issue is with PayPal Credit. 

On XXXX/XXXX/17 I purchased an item from a seller on eBay and paid the seller using PayPal Credit ( {$130.00} ). 

Sometime after this transaction was completed, my XXXX account was compromised and the fraudster changed my contact and address information ( I did n't learn of this until several weeks later ). The XXXX seller shipped the item to the fraudster 's address, so I never received it. I contacted eBay and they confirmed that my account had been compromised, so we changed passwords to rescuer the account. 

In the meantime, I filed a dispute with PayPal ( dispute ID XXXX ). I was just notified by PayPal that they declined my claim, as they confirmed that seller had shipped product. YES, SELLER SHIPPED PRODUCT TO THE FRAUDSTER 'S ADDRESS AND I DID NOT RECEIVE. I should be covered under PayPal 's Buyer Protection promise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My account just hit the 30 day past due and I kept getting calls from this company asking to pay the balance immediately or they were going to garnish my wages. It 's not the first time this company does this. In previous occasions my account was n't even 10 days late and I was getting calls at work, they also called my sister and told her that if I did n't pay they were going to garnish my wages. They always threat to garnish wages even if the account is not 30 days late so that I can make a payment.

Company response to consumer: Closed with explanation