milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I made an interest only payment one month on car loan and for 4 months now they call me 8 to 10 times a day on my home phone and cell phone. Most are robo calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a call from XXXX. When I called the number back, I was told that it was XXXX XXXX XXXX. The rep said he was calling about a debt that I owed. I told him that I no longer owed the debt and had received a letter from the company stating that it was no longer owed. He became very rude. He told me that that couldn't be true. He said that there was a validation letter. I asked him for the validation letter, then he said that it was no longer available. I told him that I needed evidence of me owing the debt. He then became even more rude and asked why did I call if I didn't want to pay the debt. I continued to ask for validation. He then ignored me and said that he would speak to a manager about making a payment agreement. I hung up the phone because my question still hadn't been answered and I didn't ask for a payment agreement. Also, I haven't received a validation letter yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.

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 04-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy in 2013 at that time my lawyer informed me i was elgible for the hamp program papers were file and the program were granted the new loan under this progam were set at 2 % for the first 5 years and my payment were $ XXXX.since then in a two and half year span my interest rate has remain the same 2 % but my mortgage has increased 3 times i am now at {$930.00}. which is now more than my original payment which were $ XXXX./monthly before entering into this goverment program .I dont think this program were intended to run this way because i am now in a wosrt hardship now than before the program. No notification are ever given and no reasonable explaination are ever given.This program were created to help people stay in their home with this server of my loan now i will loose my home and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with Northern Alliance Management, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Northern Alliance Management/NAM contacted numerous times threatening to call the " feds '' on me bc I supposedly owe a credit card bill. They refuse to provide debt validation only a pay off offer and that 's on via email. They scream at you and then hang up on you. They have been advised until they send us via US mail a debt validation letter not to contact us. It 's in my name only but continue to call my husbands place of business looking for me. They have both my home and cell. They leave rambling messages on vm stating they 'll either come and pick me up or come serve me papers or call the " Feds '' to come and get me. When they leave a vm they do n't advise it 's an attempt to collect a debt nor do they do so once they have you live on the line. They use numerous phone numbers to contact me via. They use a robo caller asking for me to hold for the next available rep. We informed them we suffered ID theft therefore we needed the debt validation letter, I was told that yup all dead beats as myself who refuse to pay her bills say such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Consumer Loan (Vehicle loan) with MEI AUTO FINANCE INC (TX).
Issue: Managing the loan or lease

Complaint: MEI Auto Finance, also know as XXXX continually reports my auto loan as delinquent. The payment in question is from XX/XX/2016. They submitted the corrections as of XX/XX/XXXX to all of the bureaus, which was temporarily corrected, but again reported the payment late and have done so for the past two months. I was advised by the agent that they realize my payment was n't late. She said the reason the payment reflects as late is because their website ( XXXX ) applied the payment to a late fee first, shorting my regular payment. I advised her that when I paid, there was no mention on their site of any late fee, or else I would have included it with my payment. I have never made a late payment to them. She said that due to the technical issue, I would need to call them to ensure it is applied correctly. I told her that sounded a bit unorthodox. I later spoke with another agent, who advised me that there is no one there that does credit reporting for them. He said that the prior individual had left the company and that they had a new director. He acknowledged that this was certainly an erroneous marking and that he would see what he could do to resolve it. A couple of days later, we received an email from the bureaus advising us that the erroneous payment had been removed. I monitor my credit report and decided to follow up on why it had recently reported a late payment. I discovered that the late payment was back on my credit report as though it had never left. It reflects on all three bureaus. Not only did all of the bureaus update the correction, but they also restarted this nightmare for me. Please help because neither party seems to be concerned in resolving their technical issues or complying with FCRA, despite knowledge of the inaccuracy and escalations from me.

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 non-monetary relief
Consumer complaint received 01/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Sale of account

Complaint: Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.

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 01/19/2017 about Debt collection (Federal student loan) with Allied Interstate LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First issue is this company used multiple numbers without caller ID in attempt to find me Calls from XXXX ( Arizona ), XXXX ( ohio ), XXXX ( Texas ), XXXX Minnesota. 

Then when they did they identified themselves as debt collectors. My statement was Affordable care act said it would be 10 % of Student debt - I was told the first time it was more like 15 %. 

Next time i was contacted the person tried to verbally guilt me into giving them my debit card and make a payment on the spot ( without any documentation or anything to say who this company is ) I suspected a scam artist at the works and yes they are. I was transfered to a supervisor who wanted my email so she could email the information. 

I asked for a hard copy I want all documentation on what you have. The company printed the email. Then sent me a loan application for consolidation with an expired date from the date they mailed. never saying clearly what interest rate they are offering. Shady business for sure ( I had to ask for hard proof multiple times to the supervisor proving who they are ) Under my present loan I am at 3 % and another and 3.5 - They want me to agree to their terms and raise it to 15 but be on the loan rehabilitation program. Did I get anything that said the interest rate offered? NOPE. They will not give it. 

I had to log into student loans and check the debt myself - which actually thier numbers does not match Student loan debt. 

I am one of these people I need to read over with a highlighter and see what actually pertains to me. There is a small print in my laon that says i have the right to consolidation with a mean inbetween the 2 interest rates. They did not follow any of that.

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 05-04-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not have any open accounts with this creditor. I did, but settled and paid it off many years ago. I am upset and confused as to why this is appearing on my account all of a sudden.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Using a debit or ATM card

Complaint: My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with boa which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like boa to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.

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 09-11-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received a bill for this charge. Also I do n't remember going to this business for services. I need more information regarding this debt. This is quite confusing to me. I believe it 's a mistake on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report from Equifax have an account ( # XXXX XXXX from XXXX XXXX XXXX XXXX that does n't belong to me. I need this account to be removed from my credit report, its affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with The CMI Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by the original debtor XXXX XXXX, after being out of my apartment at XXXX XXXX XXXX, XXXX, IL for a one year about a debt in the amount of {$100.00}. I asked XXXX to forward me some detail on the balance, but constantly received a bill with no explanation or supporting backup. 

In XXXX XXXX, I was contacted by XXXX XXXX XXXX, by mail stating they are trying to collect this same debt. I wrote back within the 30 day deadline that I am disputing the amount of this debt because " I DO NOT OWE THIS AMOUNT, please return this debt to the original Creditor, XXXX. 

In XXXX XXXX, I got a notice from my credit monitoring service that my credit report has changed. I took a look and noticed that XXXX XXXX XXXX had been added to my report, after I had notified them as well as told on several occasions that I DO NOT OWE THIS DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Unknown debt, I have not had any medical visits in a long time this is NOT accurate and untrue I owe anything to this company

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 06-06-2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX. I am the sole creator and owner of the monetary instrument Promissory Note used for the referenced property and account. I asked Select Portfolio Servicing, Inc. to return my property to me and they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with SECURITY FINANCE CORP (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX I owe over all payday loans I got left with after divorce. Some of the company 's said they were going to garnish my wages are I would be sued.

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