milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with DIRECMANAGEMENT, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: there is a medical bill on my XXXX credit reporting from XX/2012 a medical bill from XXXX XXXX  XXXX. I filed chp XXXX on bankruptcy and this debt was included in that bankruptcy. direct management is still trying to collect money from me for this debt but yet it has been validated and confirmed that this debt was included in the bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have several student loans with Navient. What used to be   XXXX   XXXX    when I first got them. Shortly after Navient took over things for very complicated. I have always tried to use the Financial Based Repayment plans I apply each year. The first year I applied with navient in   XXXX   I applied online per usual in   XXXX   since my repayment plan was up in  XXXX . I received a letter stating it was received and being processed. In the meantime I received my   XXXX   statement for the bill due in  XXXX  stating I owed {$0.00}. Soon after that bill was already due I recieved a letter stating the repayment plan was excepted and my new payments will be a certain amount. It says nothing about making a payment at that time and was not a bill. Just a letter stating what my new payment will be starting on my   XXXX   bill. However two weeks later I get a late notice stating that I owe the amount as well as late fees. I called them right away and the lady stated she saw the problem and fixed it because I did not owe anything for  XXXX  and my new bill in  XXXX  should have the new amount. She saw there was no bill sent out for the amount they said I was late on at all. I thought it was all done and taken care of at that point. However over 6 months later I receive a letter stating that my interest percentage rate and loan were both going to be increased because the loan percentage rate was based on me not having any late payments and I had one the following  XXXX  according to their records. I again called immediately they again said they saw the problem and would investigate and take care of it. Nothing heard from again at the end of the year I got my statement and I saw my loan went up quite a bit. I have called, emailed and tried several times for them to fix the error they made and get my loan back down and my rate back down. I keep being given the run around and going in circles and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I wrote and mailed a dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX, pertaining to a collection account that had been placed on my credit report from the collection company XXXX XXXX XXXX. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor but XXXX never responded. XXXX XXXX XXXX did not provide any documents or evidence to verify the account, but instead stated I owe XXXX. I sent another dispute letter to XXXX, XXXX and XXXX in XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt XXXX XXXX XXXX reported the debt again for the previous amount of {$820.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX, XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am XXXX not XXXX please fix

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 10/19/2016 about Debt collection (Medical) with NORTHLAND GROUP INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On or about XXXX XXXX, 2016, I received a debt collection letter from Northland Group Inc. in the mail. [ Northland - XXXX XXXX XXXX XXXX, MN XXXX ] stating that I owe {$92.00}. Northland stated it was authorized to collect the debt on behalf of XXXX XXXX. I do business with XXXX and was unaware of an outstanding bill and certainly one that would be so far in arrears to be out boarded to a collection agency. Concerned as I always am about my GREAT credit rating [ that has taken me a lifetime to build and preserve, I called XXXX on XXXX XXXX and spoke to a XXXX XXXX. [ XXXX ] to inquire. XXXX told me I did not have a balance and XXXX had most certainly not referred my account/name to Northland. I 'm very concerned about Northland filing false information with a court to intentionally and fraudulently besmirch my credit and I 'm equally concerned for people that will fall prey to Northland 's intentional process to defraud consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit decision / Underwriting

Complaint: I have home equity loan with Bank of America. The loan was a 10 year term loan that expired in XXXX, XXXX. Since XXXX, XXXX, I have been discussing with the bank to redo the loan, so in XXXX, XXXX the representative at Bank of America told me the quickest way would be to modify the loan. By there estimates it would take no more than 60 days. Dating back to XXXX, XXXX to XXXX, XXXX, they just recently sent my application to their underwriters. Hence they have reported the loans to the credit agencies as past due, while I have been told to continue to pay the loan and it would not effect my FICO score. This is not the case my FICO score has recently dropped XXXX points from XXXX to XXXX. I have been mislead throughout this whole process and now it has become a serious issue impacting my credit score.

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 08-01-2017 about Checking or savings account (Checking account) with PENTAGON FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Refuses to send updated account information to my account management services daily. Allowed to verify account but doesnt update.

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 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NY).
Issue: Other service problem

Complaint: TD Bank is not allowing my XXXX account to be linked to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (CA).
Issue: Loan payment wasn't credited to your account

Complaint: On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I called Greentree on XXXX XXXX, 2015, to authorize a payment over the phone in the amount of {$1400.00} to be withdrawn from my account on XXXX XXXX, 2015. On XXXX XXXX that payment was taken out along with an additional payment of {$1900.00}, which was not authorized. Also a {$12.00} fee was withdrawn from my account, which was agreed to be waived. I noticed this error on XXXX XXXX, 2015, when a check I wrote was returned for insufficient funds due to the additional {$1900.00} that should have never been withdrawn from my account by Greentree. I have received overdraft fees from my bank and a return check fee from the stockbroker company who attempted to cash my check for {$5000.00}. I was investing some of my son 's money into the stock market. That money is sitting in limbo right now since they ca n't cash my check. As of this date I have not received the {$1900.00} back into my account. I have called Greentree every single day. Some days I am not able to reach my account representative. Other days I speak to her and she resubmits an email to her supervisior stating that this issue is urgent and needs to be resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Vehicle loan or lease (Loan) with MacDowell & Associates, Ltd. (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXX,2017 checked my XXXX account saw a lien wage in the amount of {$190.00} did n't know who the company was, my job XXXX XXXX XXXX printed out documents I proceeded called the company the receptionist told me I need XXXX got on the phone very rude ... I speak say a cumming swear word she oh no mama you swear and hung the phone up in my face I called back receptionist laughed transfer me to XXXX again she did n't answer calls.

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 01-09-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: XXXX paid XXXX charge original interest XXXX My mother was put into paperless billing, and I called Wells Fargo and they told me the bill was lost in the mail, but they would send a bill and this would never happen again. XXXX months later they mail my mother a debt collection letter. I paid off the entire bill with the interest as soon as I was aware of it. My mother born in XX/XX/XXXX is a XXXX and is unable to use electronic banking or even write checks herself. Wells Fargo put her on Paperless billing so they would not send a bill and they could make money on interest charged to my mother. I want my information to be used as an example to help other seniors who are victims of Wells Fargo.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed these couple cards a few times and for the life of me I do not understand while they 're still showing up on my credit report was a victim of identity theft it 's been reported to the police department it 's been reported to all of the bank and except for these XXXX accounts I have good credit even though I 've asked you before you never tell me what exactly it is you need from me to get these accounts removed it 's called identity theft for a reason of course a lot of the information is going to match mine if it did n't it would n't be called identity theft to me this seems very simple but for some reason experience is having a difficult time with these XXXX accounts and getting them removed from my credit report what is it that you need for me to prove that I did not open these XXXX account did not use these XXXX accounts had nothing to do with these XXXX account? If you could answer that question maybe we could actually resolve this because you keep sending the dispute to the bank and they say oh yeah it 's the same name and date of birth and so on of course it is this is why it 's called identity theft of course the information is going to be very similar this is how it ended up on my credit report this is how they were able to open the accounts to begin with. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and # XXXX These XXXX accounts do not belong to me how do I prove this to you? Please answer my question. 

There are also XXXX inquiries to look at my credit report they do not belong to me XXXX XXXX cards just happened a few days ago again not me there 's another one for XXXX XXXX XXXX XXXX clearly I 'm still having issues do you have a fraud alert on my account?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Deutsche Bank (PA).
Issue: Trouble during payment process

Complaint: Deutsche Bank holds a XXXX XXXX line of credit on my house at XXXX XXXX XXXX XXXX, XXXX, PA. The loan number is XXXX. They claim that between XX/XX/XXXX and XX/XX/XXXX, I did not have insurance on my property. While I did, that is NOT the purpose of this complaint. The purpose of this complaint is that during the time that Deutsche Bank claims I did not have insurance, they took out an insurance policy on my house for {$40000.00} per year. The actual insurance policy on my house costs {$6100.00}, as evidenced by the enclosed statement from XXXX 's XXXX. XXXX goes on to say that when a lender provides insurance ( " forced insurance '' ), the price can range up to 2-3 times the typical commercial cost for insurance that a homeowner would pay. Here, Deutsche Bank procured insurance of {$40000.00}, which is n XXXX times the cost of my insurance. This higher insurance rate is excessive. Absent documentation that this is a bona fide insurance company, it is also fraud by Deutsche Bank. Assuming 2-3 times the rate I would pay, the Deutsche Bank insurance should have cost {$12000.00} to {$18000.00} on an annualized basis, not {$40000.00}. As such, the pro-rated premium for the month and a half that Deutsche said I lacked insurance should have been {$1500.00} to {$2300.00}, not the {$4700.00} that Deutsche Bank charged me. Therefore, Deutsche owes me {$2400.00} to {$3100.00} for insurance premium overcharges. In the case where Deutsche would have matched the XXXX rate ( a policy that Deutsche has accepted ), then Deutsche would actually owe me {$4700.00} minus the pro-prorated {$6100.00} for six weeks ( {$760.00} ), or {$3900.00}. Please see attachments : Deutsche 's letter to the last complaint I filed about overcharged insurance, and the note from XXXX XXXX about what a reasonable insurance premium would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with Financial Recovery Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Financial recovery services inc was sent a debt verification request on multiple occasions through phone fax and mail for a debt for XXXX they ca n't prove the debt is mines and refuse to delete this information from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with NELNET, INC. (DC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hello, I am XXXX years old and have a decent job working for XXXX XXXX XXXX XXXX XXXX. For work, I help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In order to get to this position, it took 1 year of prerequisite XXXX XXXX XXXX at XXXX XXXX XXXX University and then 2.5 years in a XXXX program at XXXX University in DC. This was unbelievably expensive and after 5 years of payment, almost all of my principal balances exceed the loan original balances. This is mostly due to " Private '' student loans. My federal loan debt is {$100000.00} and my payments are $ XXXX/month ( which is very reasonable ). My private loans are another story. I owe {$53000.00} and my payments are $ XXXX/month. ( This amounts to about 1/3rd of my monthly income. ) I repeatedly asked the private loan companies ( XXXX and Nelnet ) to reduce my minimum payment due to meet my income and they have repeatedly refused to work with me on this. My interest rates on the private loans range from 6 % -8 %  and they consistently treat me ( their customer ) like it 's my fault that I can not afford the payments. My credit has suffered when I made late payments while trying to make rent. I am not alone. Many of my friends and professional colleagues are in a similar position. Ideally, I would like to see private student companies be required to offer income-based repayment just like federal loans. It seems like a very reasonable way to allow young professionals to be able to be more financially stable. I would like to see private student loan interest rates also capped at 5 % or lower. This is one of the main reasons for me and many others being stuck in this endless debt cycle. I would also like to see a much larger student loan interest deduction. In 2016, I paid {$5700.00} in interest on my private student loans however ; I was only eligible for a {$2500.00} deduction. If you could push for private student loan reform and an increase in the student loan interest deduction, I would guarantee you would find overwhelming support from the majority of the students and folks who have a ton of student loan debt. I live in XXXX ( XXXX XXXX XXXX XXXX XXXX ) and would be glad to meet and chat about this request anytime. Many thanks in advance, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX added remarks on my account that state Im a victim of a natural disaster. This information is false. I did not ask for this information to be added nor is it in any way accurate. Also I have an excellent payment history with a {$0.00} balance and the decreased my credit limit by {$1000.00}. Both of these actions have caused my credit score to drop dramatically. Please remove false remarks from my account immediately.

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 06/21/2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX refuses to get bill off my credit. I have offered to pay but they show an amount of XXXX and only 7 percent paid leaving a balance of XXXX on the collection. Balance is wrong suppose to. Be XXXX dollars from services ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation