milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This collection agency contacted me about a debt. I questioned the amount they were telling me and am willing to work something out, but not at the amount they said I owe. They then mentioned that they are going to garnish my wages, take me to court and that they guarantee they will net a better return than trying to work something out. They also intimidating adding that because they are in XXXX and I am in XXXX, they can have someone within arms reach in a matter of hours. They also spoke on me owing the state of XXXX a huge sum of money, which is not true. They insinuated they have connections in XXXX that will know where I am at any time of the day. I feel threatened and uneasy about the conversation that took place. I mentioned that I want to come to an agreement, but the amount they said is not what I owe. The representatives I spoke with are XXXX and a XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had recently submitted a complaint in regards Ad Astra Recovery Services for an collections account of {$400.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with ResidentCollect, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been trying to have Equifax remove XXXX satisfied public records/Judgment. XXXX Credit agency has removed the XXXX satisfied judgments totally from my report but, Equifax Still holds, displays & advertises that said judgments as Public collections on the credit report. I have been trying to repair my credit but Equifax needs to remove this displayed satisfied judgment. We are looking at a satisfied judgment from 2010. I believe It has passed the statute of limitations for sometime now & needs to be totally removed from my report. Please help me with this problem. And thank you in advance for any considerations to this matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? '' This happens at many retailers and I give them my phone number. The clerk asked for my driver 's license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n't have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was back in XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. 
We have lived in this home from XX/XX/XXXX and would like to save it. My servicer is XXXX XXXX. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked XXXX for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the XXXX and XXXX add a late fee each month. The value of my single family home is {$370000.00} and I have a first balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for XXXX XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. XXXX has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: There are a couple of issues. When my mortgage ( by XXXX XXXX ) was sold a past due balance was transferred to the new mortgage company ( Nationstar Mortgage ). I spoke to Nationstar and was told repeatedly that this balance was part of a forbearance that the XXXX issued but all of the information had not been sent over yet. When it continued to appear on my statement I called and called, waited long periods of time to reach a person, having that person ask if they could place me on hold while they reviewed the account and made notations at which time the phone would begin to ring again and another person would answer and ask if they could have my loan number. This happens, at least, 4 times during each call until I am forced to hang up. In addition, they have tacked on a large amount for insurance they claim to have not been able to verify. This is incorrect. XXXX advised they sent over the insurance information and my insurance carrier said Nationstar could see if there was coverage on the home. Nationstar charges {$9.00} to make an online payment if the payment is made after the last day of the month regardless if the payment is past due or not. Past due payments are charged this fee plus a late fee. If the payment is made via phone the fee is {$19.00}. I have paid additional monies on several of my payments trying to put the mortgage a month ahead in order to avoid the online payment fees. Each month the overage is applied to the principal. When I have spoken with Nationstar they say that 's just the way it is and ca n't be undone. Their advise is to note it when I make the payment but there is nowhere to make this notation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've contacted the companies who have pulled my Credit fraudulently without my consent or authorization in an attempt to get credit and use it without my permission. The companies state someone provided my Information to contact the credit bureaus. I have gone ahead and added a fraud alert to protect my information since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: filed an dispute with XXXX XXXX XXXX on. XXXX XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Requested to have my school loan income lowered based on my income. I make XXXX $ an hour and can not afford XXXX $ monthly. My school loan was in forbearance for 2 yrs because I could not afford payments on a single income living in the XXXX XXXX area.. 
Naviant denied my request saying my income was to high. 
I had read about Naviant just minutes before calling them about how the deny rights for income driven repayment and lawsuits pending against them. When I called them they kept trying to deny my request for lower repayment until I brought up the lawsuits and the rights they are denying. They now are saying they will lower my payment to XXXX $ for two years and will increase after. In which I can reapply to have them lowered again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: Hi, I signed up for the Citi Gold account and at the time of sign up used the sign up code I had been given for the XXXX XXXX XXXX promotion. I contacted Citi several times and asked them every time to confirm that I was registered with this promotion, they confirmed that I was. I have screenshots confirming this. 

When I fulfilled the requirements for the promotion, I confirmed with Citi, and they said I had done the required steps to receive the points. 

At no point did Citi tell me that I was not eligible or that the promotion was not tied to my account ( in fact, they told me the opposit ) Now, Citi is refusing to honor the points despite all this contradicting evidence. 

This problem is widespread, and it appears Citi is appearing to not honor this agreement to many people. ( See pages like this : 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 non-monetary relief
Consumer complaint received 12-12-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification. 
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am incensed with how XXXX has handled reporting this breach and the steps they have taken to rectify the situation. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

When attempting to sign up for credit protection on the XXXX  2017 security breach website. I was forced to enter 6 digits of my SSN and then receive a notice that I am to come back to the website the following week to enroll. According to the news, this breach occurred 5-6 weeks ago.
I then went to the Experian website to review my credit report and enroll for extended fraud alert. I tried three times to do this through their the Experian website. Each time I tried to upload the required documents the website would error - either by saying the site can not be reached or that the web page could not be found.

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 03-12-2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, SD XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX XXXX. I live in XXXX, OK. This charge took place more than two hours from where I live in XXXX, OK. 
I did not initially identify this transaction as fraud because I am XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).

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 02-03-2018 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I was never provided a date, time or location of the sale of the car. Also I was not given any notice or way to collect my personal property from the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Mortgage (FHA mortgage) with FIRST AMERICAN MORTGAGE TRUST (RI).
Issue: Loan servicing, payments, escrow account

Complaint: my mortage was sold by First American Mortage Trust and i never received the servicing transfer notice.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Parent Plus Loan that I have been paying on time, diligently for what seems like forever. I also co-signed a small student loan for my son. He has not been making the payments. I have bailed him out twice and decided I would not do that anymore. I have been getting threatening letters so I spoke with Navient today. I told them I would brorrow money from my bank to pay off his loan. They quoted me {$4200.00} to remove all my obligations from this loan. I asked them to place a letter in my credit record stating I was a co-signer for this loan and lived up to my obligations. They stated they will not write that letter. Is there any legal reason they can not place a letter in my credit record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I have been trying to open an American Express Serve One VIP prepaid account for the past month and a half, with no success. I used to have a Target Prepaid REDcard by American Express, which I closed in order to open a Serve account. On a recorded phone line on XXXX XXXX, 2016, XXXX in Account Protection Services stated : " rest assured that you will be able to sign up for another American Express Serve card. '' Nevertheless, despite numerous attempts online, over the phone, and by mail, I am still unable to open a Serve account : I keep on getting " Unable to Sign Up '' errors on the webform. I contacted them by certified mail on XXXX XXXX, 2016, and have yet to receive a response. The whole thing has been a big waste of time, and as of XXXX/XXXX/2016 I still am unable to open a Serve account as promised. I believe that American Express Serve is discriminating against me and similarly situated customers, and is not exercising due care in the management of personal data on their finance platform.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I have a checking account with Chase in XXXX XXXX located at XXXX XXXX XXXX. In the past week I was alarmed this morning that I had insufficient charges on my account from two days ago. I called Chase immediately and was told that the XXXX charges of insufficient charges totally {$170.00} were charged via debit card transactions. I set up my account to not go through when there are no available funds, however Chase allowed multiple charges to go through instead of declining the debit transactions. I verified that these charges made were strictly debit point of sale in person charges and not reoccurring or check charges which are exempt. I asked for a reversal due to this glitch and my request was denied to have all XXXX charges reversed. The XXXX representative did reverse XXXX which were her capacity and limit and she referred me on to a manager to assist with the other XXXX charges, but the XXXX supervisors I spoke to were unable to do so. In the process of making the request the first supervisor was rather rude. However, I feel this is an excessive amount of charges to charge a customer. It appears as if they are trying to deliberately make money with the insufficient charges, but why on earth are they charging me for money not in my account - this is highway robbery!

Company response to consumer: Closed with monetary relief