milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX  XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.

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 10/30/2015 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: " PayPal Credit '' gave me a credit line of {$1200.00} to make online purchases at many retailers including Ebay. This account was connected to one of my PayPal accounts which is connected to my Bank " MY COMPLAINT '' PayPal credit authorized and allowed the purchase of a television for {$440.00} from Ebay seller " XXXX '' and I chose the 6 mo payback option..But immediately following the purchase ( 5 minutes ) without warning they reversed the credit which sent the charge through all sources connected to my other PayPal account and my bank for immediate Payment.with not enough funds in my bank to cover the charge. They had no solution to help me. I had to beg and borrow from my friends to get funds in the bank to avoid NSF charges. .After 2 hours on the phone I find basically that no one can fix or explain what happened. Me and my bank account were held hostage to this PayPal credit scam. They finally used my refund from the Seller ( which I had to plead for ) as coladaral to make a Ghost deposit in my bank because my refund though in my PayPal account was n't available for three more days .I still cant believe this happened and that an institution like PayPal can hold a person and their bank account hostage for what I feel is Unfair Lending Practices to say the least. Please tell me that this is illegal and that an attorney will call me with the information on my lawsuit!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, My name is XXXX XXXX and I currently have a credit card with XXXX XXXX. Back in XX/XX/XXXX I paid off the entire balance and have never used the card ever since. About a month and a half ago, I received an alert from XXXX XXXX that my credit score dropped, I was horrified - I checked and found out that I have a delinquent payment for XXXX dollars plus a late fee of about XXXX dollars, I thought someone was assuming my identity since I knew that I had a XXXX balance. I called XXXX XXXX immediately which was about 2 months ago and asked about the charges, upon review it was noted that the company made a mistake and billed me for fees erroneously. I asked about what will happen to my credit report and was told that in 30 days it will be corrected. Till today, this is still on my report and to every time I call to report to XXXX XXXX over the phone I am told that I need to be the one to petition a removal from my credit report. Please help me with this situation because I feel helpless and with my credit score falling so low, I dont think I will be able to get a car like I had planned because of my score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Installment loan) with Conn's, Inc. (NV).
Issue: Taking out the loan or lease

Complaint: My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Transunion has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: Co signed a loan for an individual in XXXX customer then defaulted and the car was auctioned then I settled in XXXX with this company Santander for XXXX and they have not applied the XXXX to the account and now I am being harassed and the account is reflecting on my credit. This original debtor is deceased as of XXXX XXXX and I have sent them the proof of the payments I have made to them. The deceased individual estate should have taken care of all debts what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (IL).
Issue: Deposits and withdrawals

Complaint: I was issued a checked by my employer that was drawn off a Wells Fargo bank account. I went to the bank to cash it at the Wells Fargo location on XXXX in XXXX, IL. The personal banker left me sitting for over an hour to come back and tell me they have never seen a check And the check was fraudulent. I said how can you say that? He said we are confiscating this check for further review but as it stands it 's not real. I was treated like a common thief. I was made to feel because I was XXXX XXXX that I could n't possibly be cashing a XXXX check. He gave me his card I emailed my employer and the company that is our payroll processor and included him on the email to them about the incident. They all replied the check was a valid check and not sure why Wells Fargo treated me the way they did. All week I never heard from WF even though they were on the emails regarding the chk. My employer went ahead and stopped pay on the check to get the funds to me and reissued as a direct deposit. I get an email today from a manager telling me in an email that they reviewed the check and that the check had a stopped pay on the check. He was implying I brought the check in when I knew it had a stop pay on it. That just was n't the case the check did not get stopped until after I notified my employer of the foul treatment and WF keeping the check and still a week later still implying I am a common thief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan with Wells Fargo Bank, Thus far they have attempted to collect my debt from ONLY XXXX co-signer. The one who happens to be the richest our of all of my co signers ( I only have XXXX loans and XXXX co signers ) I am trying to consolidate the XXXX loans. They have rejected the XXXX co signer I have ( My spouse ). I am an XXXX and do not have anyone else to offer up as a co signer. When I explained this to Wells Fargo, I was told that did not matter that I would have to find a co XXXX or pay the monthly payments as they are written out per the terms of the loan. I have gotten them to verify that they are charging me XXXX the interest rate that was agreed to. When asking for an explanation they had none. All I am trying to do is lower the payment, what they want and what I can afford are XXXX different things. Currently my XXXX in Federal Loans is cheaper that the XXXX I owe to Wells Fargo. Wells Fargo has admited to not contacting me to advise that loan payments were due, They contacted my co signer and advised him that he was required to pay the loan in full or be subjected to a negative credit report. Today I called Wells Fargo again attempting consolidate or re negotiate my loan pmts. I was told that there was nothing that they could do until I found a new co signer.

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 04-04-2017 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I File a identity report XXXX XXXX XXXX at XXXX XXXX XXXX. The Equifax did not block the information and share copy of the information I sent them to creditor. which was copy social security card, driver license and the police report which is regulated by law. Secondary Dissemination of any kind is Prohibited and stamp on the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (LA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The collection agency Valentine & Kebartas , Inc. which is located at XXXX XXXX XXXX # XXXX, XXXX, MA XXXX has repeatedly harassed me morning, noon and night. This company is collecting for XXXX XXXX. Although I have reached an agreement with XXXX, this collection agency continues to call me. I have also sent them a cease calling notification and file a complaint with the XXXX in MA. They call me from many numbers which are spoofed to appear that are within my state. Something has to be done, they are calling all times of the day and night. sometime they wo n't say anything but breathing loudly. They call and hang up many time 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 01/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Pinnacle Credit Service, LLC sent me the debt collection of the phone company name XXXX the phone company I never use or deal with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Billing disputes

Complaint: I had opened an account with CareCredit to pay for a dental procedure. I was told that I would have no interest if it was paid in the XXXX XXXX months. At the conclusion of that time period I was charged accrued interest and my balance skyrocketed above what it originally was. I never received any notification when I signed up for a CareCredit account of the accrued interest or any notification by phone, email or regular mail that this would happen nor did I receive any notifications when the date was upcoming. This company has been sued and were mandated to issue refunds to over a XXXX consumers, I became a customer prior to this suit and have been a victim of the same deceptive practices. I have requested a refund or at least a reduction in my interest rate and have been denied XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2016 about Payday loan () with Big Picture Loans, LLC (IA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a {$1000.00} loan from Big Picture Loans and was initially told I would pay {$400.00} in a finance charge, but instead they took out {$500.00}. They said I could pay them more on top of the {$500.00} to reduce the principal by a {$100.00}, but the next payment would be {$500.00} another finance charge for the 2nd month. I ca n't afford this outrageous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Non-federal student loan) with RMS-Recovery Management Services, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Called my employer asking for me passing himself as a sprint customer that need to speak to me. When a manager picked up the phone and asked the caller who was asking for me the caller responded im a customer. When the manager picked up again and requested again who was calling for me since I was busy with a customer he then responded with his name and he was calling from Recover Management Services. When they requested for me they only said XXXX. Not by my full name. Also they continue to call my employer and not only getting me in trouble but calling private after my manager told them to stop calling my job. My employer came to me with a complaint. Call was made at XXXX XXXX/XXXX/2016. I have also requested a written notice of the bill with information of the collection company since I was first contacted about it XX/XX/XXXX and yet I still have n't received anything in the mail about the bill with any information and where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage and escrow account with Wells Fargo. In XX/XX/XXXX, I received a Real Estate Supplemental Tax Bill form The County XXXX, Virginia XXXX XXXX ). I called Wells Fargo to insure that the bill would be paid & gt ; I was told that there was no need to send the bill to them because it was early and that they would request the bill form XXXX XXXX County in XXXX. The payment was made after the due date and the County issued a {$150.00} fee for late payment. Wells Fargo took the fee from my account and labeled it ( MISC DISBURSE ). 

I noticed the ( MISC DISBURSE ) of {$150.00} and call to inquire about the missing funds. I was told that because Wells Fargo was responsible for the payments and were notified, I would be refunded. a few months passes and I called back to find out why I had n't been refunded and was told that the order was initiated to correct the problem but the funds had not been transferred. I was again told that the problem would be fixed. 

Today XX/XX/XXXX, I called and was told that the fault was with me and that they were correct to charge me for the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We made a payment on XXXX XXXX, 2016 for our XXXX XXXX, 2016 mortgage payment. The payment was recorded as a principal payment and not our regular payment. We always add additional amounts to be applied to the principal. 

We have called ditech multiple times asking them to record the payment correctly -- interest and principal plus additional principal amount. We have received a different answer every time. We were assured the payment would be recorded correctly by a certain date that has come and gone. Our account is showing past due and we always pay our bills on time and we do not trust this company. They will not send us any documentation of our correspondences. I tried over and over last month to set up a auto pay and it failed every time to set up correctly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation