milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with Jim Bottin Enterprises, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For over 2 years now, get recorded calls from XXXX that just says 'hello ' & then disconnects. Do n't know from whom or why. 
I do n't have any debt, including mortgage or car payments. I pay all my bills on time. Do n't know what this is about. Please help to stop these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Allgate Financial, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: CFPB Ordered XXXX XXXX to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment. 

I am a victim of XXXX XXXX and I have not been notified by this Company about the settlement that has been enforced by CFPB. I am still getting letters from Attorneys asking me to pay over {$2000.00} to XXXX XXXX for the deceptive services that I received from my Dentist Office. This account goes back to 2002, I have written them and asked to have my balance reviewed and asked to get a lower interest rate and lower payments. They have not given me any consideration. I contacted CFPB and they asked me to put in a complaint on this site. 

Please respond. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Installment loan) with 21ST MORTGAGE CORP. (WI).
Issue: Shopping for a loan or lease

Complaint: When I applied for a loan with 21st Mortgage, the loan officer advised me that I needed to apply a different way and told me to do another app. Later I found that they ran a hard credit inquiry twice, one day after the other rather than referring to the first one. These hard inquiries are still affecting my credit score so I asked them to make a correction on my credit file and remove one. They were uncooperative and said I should have talked to the loan officer. The loan officer is exactly the person that told me to do this and caused the problem in the first place! Can you help please?

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, we started our process to get a construction loan approval with BBVA Compass in XXXX, TX. After giving all our information and running our credit we received pre approval for a loan. The loan officer then quit. XXXX from XXXX office referred us to another loan officer who was not qualified and then after a month finally referred us to a XXXX XXXX out of the XXXX, TX. We submitted our paperwork again in XXXX XXXX over the phone. Every Friday new paperwork was asked to be submitted and was faxed to XXXX XXXX the loan processor. Every month was a new promise of closing by the end of the month. Our credit report has been run about 3 times. It is now XXXX XXXX and we barely received our appraisal ( which we paid {$600.00} ) and have been told it will take another month to close on the loan. After repeatedly telling them and emailing them that our builder has given us a deadline regarding his material prices. Both officers blamed us for submitting paperwork late although we have the emails and fax reports that correlate our promptness. When I finally told XXXX XXXX that we will leave if our loan wasnt expidited and cleared within two weeks. She said it would be best if we leave and go with another bank. Both me and my husband have good credit, good jobs, our property is paid for, and we are only asking for a $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I received a letter from National Credit Systems out of Georgia stating that I owed debt and that I had 30 days to contact them to dispute it. I called them the day I received the letter and told them that I dont believe that the debt is valid, In addition I sent a letter stating that I require validation to include a copy of a signed contract with my signature and a disclosure of how much is the debt and how much were the fees. They have not gotten back to me with any information regarding the validation of my debt but they have already reported this unsubstantiated debt to my credit report. I have the right to dispute the debt and to have it validated. I feel that has been denied me as they have already reported this and it is already negatively impacted my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: ON XXXX/XXXX/16 I WAS MADE AWARE THAT I HAD A JUDGMENT FROM CAPITAL ONE BANK ON MY CREDIT FOR {$6900.00}. I HAVE NEVER OWNED A CREDIT CARD FROM THEM UNTILL XXXX/XXXX/16 WITH A CREDIT LINE OF {$300.00}. I FILLED A POLICE REPORT FOR IDENTITY THEFT AND FRAUD. I ALSO PLACED A DISPUTE WITH XXXX OVER A MONTH AGO. I HAVE CONTACTED CAPITAL ONE MUTIPLE TIME TO GET HELP AND ANSWERS. CAPITAL ONE REFUSES TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IL).
Issue: Managing the loan or lease

Complaint: I took out a loan with castle payday for XXXX dollars. At the end of that month if I had paid in full I would have paid XXXX. I have paid XXXX dollars for three consecutive months. And at this time I still owe XXXX dollars. At this time I would like you to look into the legality of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Reference Policy Number XXXX General Insurance Company of America Automobile Policy Declarations regarding XXXX and its Agent : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, California XXXX investigated with their employees and Executive Management .The policy covered XXXX XXXX XXXX XXXX XXXX XXXX # ID XXXX finance by XXXX XXXX XXXX XXXX . The effective dates wereXX/XX/XXXX,XX/XX/XXXX until XX/XX/XXXX. The XXXX XXXX XXXX was stolen in the Subdivision of XXXX XXXX XXXX XXXX. Also, I would recovery and monetary loss ; along with criminal charges.
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Previous employees resided in XXXX XXXX XXXX XXXX identified as XXXX XXXX, Security Specialist with Federal Emergency Management Agency.
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I have been threaten since XXXX with violence, disclosure of private information and destruction of personal property.
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Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the inaccuracy of termination of insurance, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ).
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Malfeasance in office by XXXX XXXX Board of Directors, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction and theft of automobile. This occurred after resigning from Federal Emergency Management Agency on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX  XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX

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 08/22/2016 about Mortgage (Conventional fixed mortgage) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice. 

XXXX

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 monetary relief
Consumer complaint received 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trying to dispute the report that I have been late on payments. Can not seem to dispute this item on Experian, which is listed under negative items. Also, there are duplicate accounts listed on my report XXXX. which are closed and exceed the fair credit reporting time period. Please remove these items 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 non-monetary relief
Consumer complaint received 05-03-2016 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by this company Portfolio Recovery Associates at my accounting office for a debt for someone of the same name, but a different social security number. The person actually lives in another city. This started in XXXX. ON XXXX XXXX I was contacted XXXX times. Again on the XXXX of XXXX and now today the XXXX of XXXX. I have cooperated with them each time providing my personal information and asking them to remove my phone number. Again I did today, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Account status incorrect

Complaint: My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.

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 08-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwenloanservicing in XXXX XXXX XXXX Florida continues to mark me XXXX days late for XXXX 2015 although the loan had been paid off in full through refinancing with XXXX XXXX. I was informed by XXXX XXXX on XXXX XXXX, 2015 that it is still showing as late for XXXX although ocwen no longer held the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX for a XXXX degree program for XX/XX/XXXX-XXXX. I was never advised of a private loan being taken out until collection efforts began. I was able to defer the loan for no more than 12 months and after that I had no choice but to pay them for my credit to remain clear. All other loans were able to be entered into student loan and public service loan forgiveness, except this private loan. I am struggling to pay this loan every month, which I did n't know existed until about a year after graduating, and the loan company is advising that I have already used deferment and have no other options available to me for repayment.

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 05/31/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: In  XXXX   2015, I an d m y Father refin ance my car wi th USAA Auto Loan and   included in the that refinancing an insurance of debt protection insurance what would cover both of us if either of us had  disability a nd/or death that the car would be paid in full. My father unfortunately passed and I became  totally    XXXX  . I sent in all documents to  USAA, death certificate as well as authorized them assess to my medical records. USAA, in  turn, cancelled the policy and back dated payment then stated that they notified me of this information which did not occur. According to the policy, the car was to paid off on full with either condition occurring, not a policy cancellation. I asked for help with situation to  get USAA AUTO to  fulfill their part of this contract of paying this loan off. They now contacted others that are not on the loan stating that the vehicle is up for reposssion and has negative reports on my credit which should not when the contact clearly states what should occur. This has been a disservice to my family and I have been a member for years. I was not  even notified by them of the issue I was told by other individual they told that was not on the loan ( poor consumer relations ) .NO ONE, NO ONE CONTACTED ME. I had to contact the company and none of information has changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've sent numerous requests to this company via Certified Mail requesting proper validation. Each time the company ignored my request and sent the same itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. After doing research on this company my State, Texas, has been to court with this company. The court documents stated that Midland claimed to have a copy of the " consumer agreement '' for all consumers who " owe '' them. I requested a copy of this agreement and was ignored. I 'm not obligated to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. They 're known to bully consumers and sue consumers all the time. I will attach a copy of my letter to them, FT C Opinion Letter, th eir response. Please be advised that the copy of the response you see from them is what they continue to send me over and over again, ignoring request of other information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Medical) with Ability Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have made contact with collection company several times. They are very aggressive and refuse to verify the debt. Send them a certified letter on XXXX XXXX, 2016 that they received on or about XXXX XXXX, 2016. Have received no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have been banking with WellsFargo for two years and my business account for 7 months and they sent me a letter stating they will close my account on XX/XX/XXXX, I called the 800 number and all they would tell me is I am high risk, I need a better answer than that, Its really sad I have been with them for two years and all they did send me a letter told me we will cancel my account on the XXXX and they do not want to tell me the reason! 
Thanks very much for the help

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This little {$36.00} bill was paid in full to XXXX They made me pay it before I could get new service and that was years ago. I dont know why this is still on my credit report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation