milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX  credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. 

Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such.

For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage is forcing me into foreclosure. My husband passed away in XXXX of 2014, and we had a credit life policy with XXXX XXXX. After paying for the policy for 8 years, the lender cancelled the policy with no option to renew. My husband passed away two months later. Currently, Nationstar has, in its possession, more than a full monthly payment. I have attempted to make a payment in XXXX and XXXX, but Nationstar returned XXXX payments. At this point, Nationstar says I am XXXX payments behind, but if they would post the money they already have held in a suspense account, and they would 've accepted the XXXX payments I attempted to make in XXXX and XXXX, I would only be due for XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Hi my name is XXXX XXXXI am a resident of Wa. For College I took out a loan from formerly known as XXXX XXXXnow currently named Navient. I have been dealing with the changes in the company and with my jobs and sense the beginning have had extensive problems with their methods. The Last straw has been terrorizing calls. They have not only called my Grandparents house, but they have somehow gotten and called the phone number to my neighbor! I do n't even have their number yet Navient ( XXXX ) has even called a work colleague of my father! That isnt right. They tried to force information and coercive both people who are not even on the contract or even associated into compiling with their shark attack. At this point they have gone into attack of my rights, and attack on my family and community. That is unbelievable and unacceptable and that is why I am here so that I can make sure this terrorizing of me and other Americans in debit can end.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: Was requested for 2 month deferment on loan for XX/XX/XXXX & XX/XX/XXXX loan payment. I advised that had scheduled date to return to work on XXXX 2016. Due to nature of restrictions to return to work, I was unable to work to this date. I received a call XX/XX/XXXX from a gentleman advising that extension was approved, and that an extension letter was sent out. I requested for a the letter to emailed or faxed to see the terms & conditions immediately & he stated not to worry about it was mailed out.. In addition, I requested for months to add XXXX insurance & change my payment due dates because my current situation which is only temporary .. My car has been repossessed as of XX/XX/XXXX, they revoked the 2month extension, now requesting {$2700.00}, which includes 4 months of a payment 0f {$490.00}, {$240.00} late fees & {$530.00} repossession fees, re-registration of my car & $ 35 day in storAge.. An car is mandatory where I reside, especially to get to doctors appointments & place of employment .. I need my extension to be restored, along with Late fees & this repossession fee as long I agree to cover the payments for XX/XX/XXXX & XX/XX/XXXX .. In addition to changing my payment dates to the XXXX of the month.. I can find a way to stay on top of my payments & do what I need to do to ensure I will no longer default on the Loan..

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (I do not know) with Miller Davis & Peoples (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for an XXXX American Express Business credit card in XX/XX/2017. The promotion was as follows : " XXXX bonus Starpoints after {$5000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus Starpoints ( for a total of XXXX  ) after an additional {$3000.00} or more ( for a total of {$8000.00} ) in eligible purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. '' This is not in dispute, this is pasted from a chat window that they sent to me. 

We met both the {$5000.00} and additional {$3000.00} minimum spend simultaneously on our statement closing XX/XX/XXXX. We assumed the points would be issued quickly, as they were when my husband completed a similar spend on the personal XXXX AmEx credit card. We received the initial XXXX points for this card on XX/XX/XXXX, 15 weeks after meeting the spend, after they told me 8-12 weeks. However, we still have not received the final XXXX  points, and have now waited 7 months. We have spoken with American Express numerous times, and launched an " investigation '' in late XXXX. Each time we reach out, it will be another couple of weeks, a few more days, etc. We need some kind of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Using a debit or ATM card

Complaint: My account was recently involved in a breach of Scottrade Bank 's security systems. In total XXXX Million+ customers were effected. 

I have asked Scottrade numerous times to provide explanation on what data was breached, however, Scottrade refuses to respond. 

Personally, I am closing my account with Scottrade and will not trust them with any personal information again. Every time I call, I get a rude customer support agent who sends me in circles going back and forth between departments and promising to follow up at a later point in time but never accomplishing anything.

Company response to consumer: Closed
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX  XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. 

You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.

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 06-04-2016 about Payday loan () with ACE CASH EXPRESS, INC. (PA).
Issue: Charged fees or interest I didn't expect

Complaint: On several occasions, I applied for payday loans to help myself out of temporary financial downfalls that I had experienced for several years. 

I paid off each payday loan, but these payday loan companies applied high fees, service charges and interest charges that they did not make me aware of in the first place. I think it was so they could just make the sale of the loan to me without informing me of the stipulations of those loans. This seems to be common practice among these unethical companies. 

In the end, with all of the payday loans I had applied for and paid off, I was scammed out of over {$800.00} in fees, service charges and interest charges that I should not have been responsible for because of their unethical business practices. 

Also, I think it would only be fair for me to receive additional money damages due to the harassment I received from each payday loan company and the subsequent XXXX I had experienced since they harassed myself and my family, threatened to put me in jail, cease my property and investments and garnish my wages. This additional amount can be to your discretion, but I feel that I should be entitled to at least {$20000.00} from all of the fear, intimidation and XXXX I had experienced. XXXX XXXX run in my family and this has all taken its toll on me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: incorrect information-name address, age, race, criminal 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 02-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On XX/XX/XXXX I called Chase Bank ( passing all personal Identifications ) and requested to close my checking account immediately. I also requested to refund a monthly service fee that was charged on my account on XX/XX/XXXX. I wanted the fee to be refunded on the basis that I was closing my account within the next boiling cycle after the fee was posted. Chase did not close my checking account as I demanded. Instead the kept the account open and on the next day, XX/XX/XXXX, they charged another monthly service fee on the account that I closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX-2012 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Charged me for a month of service that I did n't use. Tried to say that it was in my contract but it was n't, I still have copy of my contract. Told them this, read them my contract and they agreed. Told them to send me correct bill they said they would but did n't and sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I was able to transfer {$400.00} from my Netspend Control Card Account to my Netspend WU Card Account. I was able to make the same transaction on XX/XX/XXXX for {$500.00}. Today XX/XX/XXXX I now and currently have been on the phone with Netspend for almost 2 hours. I have spoken with 4 different people. I'm being told that they aren't able to do this type of transaction or the system will not allow for it to be done. When I point out the dates and the amounts of the previous transaction no one can give me a logical explanation. I'm very frustrated because I need access to my funds and being a customer of Netspend for over 5 years or more this is truly concerning. Both cards are Held by XXXX/ Netspend . As a consumer, I feel something is not quite right and need answers.

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 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a debt collection notice from PAM, LLC which is the second time I 've been harassed about a fictional debt from this company, and also is the second time I 've been notified of this particular fictional debt ; the first time by a company which ended up settling a class action lawsuit from which I received a settlement award for opting in. I can assure you that the car in question has never been driven XXXX border and would not have made it on a return trip if it was.I was day playing for a rental house company in XXXX the week in question, but was given the day off. At the same time, I was helping coordinate the XXXX portion of a documentary shoot that was to take place in XXXX and was in correspondence with the production coordinator on XXXX XXXX, XXXX among other days that month. I believe now as I believed the first time I received this notice that this was part of a ticketing scam in XXXX. I am not a XXXX resident, nor had I traveled to XXXX since XXXX as part of a XXXX and even then, I did not drive my personal vehicle. The first agency refused to accept the idea that this was a phony ticket, even though there are plenty of instances of this occurring and ended up losing a class action lawsuit. The current company has harassed me in the past and I had to report their tactics to an agency in order to back them off. Unfortunately, they seem to be using a tactic in which I can not prove without a doubt that I WAS N'T there, since I did not have any check-in points throughout the day, but my plans and activities before and after that date should imply that I was not there and had no plans or intentions of being there, not to mention there is no photographic evidence to support THEIR claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I asked XXXX XXXX XXXX to cease and desist calling me at work ( only work not my cell which he calls multiple times a day ). XXXX XXXX informed me that he would not stop calling me and would be proceeding with legal action. 

XXXX XXXX explicatedly stated he was trying to collect a debt and was in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: AES/NCT is reporting  XXXX  fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX     2017, and  for the  last five mo nths I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in  XXXX  lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are  XXXX  loans that I DID take out in my name but there are  XXXX  loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to AES/NCT back in  XXXX   2017. A fter multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,  2017. Five m onths later, after requesting  XXXX  to be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,    2017 an d according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from AES/NCT actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with non-monetary relief