milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Debt collection (Medical debt) with Medical Society Business Services, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt collector continues to call and harass me about something that is not mines I have went through proper channels to clear this and it was clear and debt not valid Now they continuously keep re-aging the information and falsifying things to the credit bureau. Twice I had to point out to credit bureau what the are doing which is illegal and it gets removed but they try again and again Originally they posted XXXX Then XXXX Now XXXX Constantly creating a negative re aging illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted.

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 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Rewards

Complaint: I have been informed that I am unable to transfer any membership rewards points from American Express to partners because my account is under review. They are unable to provide me with any reason for the review and since a nearly half of my membership rewards points have been in my account for close to a year there is no valid Terms & Conditions reason to prohibit these from transferring to partners. American Express is unable to provide any reason for why they are frozen simply than they are under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Taking out the loan or lease

Complaint: I sent Wells Fargo a certified letter on XX/XX/2016 for validation and proof of the account that they 're claiming that I had with them for a auto loan. Wells Fargo has failed to provide me with the necessary information proving the burden of proof that the account belongs to me within the XXXX days by law that is allowed by the FCRA. They 're reporting twice on both XXXX and XXXX for the same account but with different amounts and XXXX using the name Wells Fargo auto finance and the other using XXXX Services. This is totally unacceptable and against the law and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with Castle Credit Co Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I keep seeing this company 's name on my credit report and have no idea who they are or why they claim that I owe them. This account was created by identity theft. It could be a relative or other unknown person ; it is not mine. I recently hired a credit repair company to help with this issue but have not seen any action taken. I 've asked the company as well as the credit bureaus to block this information, but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with Alpine Capital Investments, LLC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Recently became aware of a default judgement from Alpine Capital Investments that was against me after I was served at my business for a discovery of wages a few days ago. 

After I was served with this notice, I went to the court house and pulled all the documents. I also went through old records of letters I had written years prior that were in my basement and try to put the puzzle together. 

When I sent the letter XX/XX/2011 after apparently getting a letter from them, I never heard anything else and I assumed they went away. I guess I was wrong. 

I do n't have any recollection of ever having any business of Alpine Capital and despite they lied about serving me, I discover that XX/XX/2011 a default judgment was made against me and now I am left in a situation that looks very dire for me. 

They are now trying to enforce the judgement plus fees and other interest charges in the amount of {$9400.00}. 

Had I ever had a chance to defend myself, I absolutely would but the fact that this " detective agency '' lied I feel helpless and unable to protect myself against fraudulent claims. 

While I have hired an attorney to help represent me, I am very disturbed at how the State of Illinois allows such awful things to happen to the consumers in this state. 

I am hoping you can help me because this fleecing of consumers is disturbing on so many levels. 

I am also seeking representation on a possible counter suite against them and the detective agency. I am ready to take it to the highest courts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: The lender was provided a loan modifcation package on XXXX/XXXX/XXXX - the lender has done nothing but make request after request for more docs to review the file - on XXXX XXXX we were advised that all docs were received except an updated Homeowners XXXX letter - The XXXX letter that was provided to them was dated XXXX/XXXX/XXXX from the XXXX - the lender still stated on XXXX/XXXX/XXXX that the XXXX statement provided was not current and they would not accept this statement because it did not show XXXX - As most lenders know the XXXX only provide statements quarterly - We feel was just a way for the lender to not have to review this client for a loan modification and kept delaying the review until they felt the need to close out the review on XXXX due to an XXXX statement not being provided for XXXX when the file was submitted at the beginning of XXXX XXXX - We fell this was a valid document for the review and request being made. We were also advised on XXXX/XXXX/XXXX that the file was denied because of net present value would n't be worth modifying not enough equity - this is an unacceptable review of this clients file and a violation of RESPA

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Medical) with The TRAF Group (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and the recent Equifax data breach. Equifax put a fraudulent and unauthorized account from XXXX XXXX XXXX that Equifax previously deleted and permanently blocked from my credit report. The following accounts are fraudulent, unauthorized and dont belong to me : XXXXXXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX, these accounts are fraudulent and dont belong to me. The are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for a modification on XX/XX/2018. On XX/XX/XXXX I was turned down saying I had no income for a loan modification. This was incorrect. I provided full income. They also said I had almost XXXX in expense. This was not true my expense is /was XXXX .All of this was put in properly with documentation. I am an older woman afraid of losing my 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 04/15/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: APR or interest rate

Complaint: I have a Fifth Third Bank MasterCard with an annual interest rate of 18.99 %. I use the card regularly, and I always pay off the statement balance before the due date on the XXXX of every month. For the month of XXXX, my statement period started on XXXX XXXX and the statement amount of {$1300.00} was due on XXXX XXXX. I had no other purchases from before, since I had paid off every previous statement balance in full. In order to pay off the XXXX, I was waiting for a {$850.00} check to clear my Fifth Third checking account, which it did on Monday XXXX XXXX. Before the {$850.00} cleared, I sent {$460.00} on XXXX XXXX from my 5/3rd checking via electronic transfer to the credit card. On XXXX XXXX, I sent the other {$850.00}. The bank took out the {$460.00} on XXXX XXXX. Now, when I look at my account, it shows that I paid on XXXX XXXX, even though I sent the {$460.00} on the XXXX and the bank took it out of my account immediately. XXXX, they charged me an interest amount of {$21.00}. I understand I owe interest on the {$850.00} that was a few days late, but they can not explain to me how they came up with the {$21.00}. The rep to whom I spoke thought the 18.99 % was charged monthly and did n't even know to divide it by XXXX for monthly. She got nervous when I asked her specific questions about how they calculate interest. Her explanation was " the computer calculates it that way. '' In summation:1 ) Fifth Third Bank took {$460.00} from my checking at their bank on the XXXX and waited until the XXXX to post it so that I would miss the XXXX XXXX due date2 ) They charged me an an interest amount that they can not explain the calculation behind3 ) All of a sudden my due date for XXXX is the XXXX, even though it has been the XXXX for a few years now. 
I feel like they are employing tactics that were outlawed for a few years now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: portfolio recovery bx XXXX XXXX, va. XXXX refuses to send statements and payment verification. I have ask for payment documents. they say thy do not send any forms to send in money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (FHA mortgage) with Selene Finance LP (MO).
Issue: Struggling to pay mortgage

Complaint: Due to financial hardship, we requested a loan modification agreement from Selene Finance. The new loan terms that we received on XXXX/17 were worst than the original loan. We were asked to pay {$3000.00} by XXXX/17. In addition to {$1500.00} on XXXX/17, plus {$1500.00} on the first day of the next six months. The loan modification also increased our interest rate from 4.25 % to 5.5 %, over 40 yrs. instead of 30 yrs. We spoke with loan agent, XXXX XXXX on XXXX/17, and informed him that these terms were awful and requested to have a reinstatement quote sent instead. ; We further requested to pay the reinstatement lump sum and keep our current loan terms. XXXX said I should receive the reinstatement quote by Monday, XXXX XXXX, 2017. I still have not received the quote as of today, XXXX XXXX, 2017, although an agent this morning said that it was sent or may have gone to my spam account. I reiterate, I have not received such correspondence. I 've called my loan specialist, XXXX XXXX and still have not been issued a reinstatement amount. The agent this morning was kind enough to inform me that a foreclosure date of XXXX XXXX, 2017 had been activated. My complaint is that Selene Finance is not truly working to assist the home owner. In fact, it appears that they are working to accelerate the foreclosure procedures against us. I have provided documentation validating our hardship and loss of income. I can not understand how or why the lender would impose more strenuous financial terms in the revised loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been requesting a payoff quote from Seterus since XXXX XXXX, 2015 and I 'm still not in receipt of the quote, even after consistent follow up and follow through with Seterus. Please see attached for specifics on follow up and communication with Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I had an account with Wells Fargo that I had asked to be closed due to fraudulent activity on the account. Wells Fargo agreed to close the account, yet never did. I called several times, and even went into the branch where the banker was supposed to close the account and was told at least twice they would close it and still ... they never did. After a while a reoccurring charge on the account came through and I was charged over {$100.00} in overdraft fees. The bank never paid out the charges, and still wanted me to pay over {$100.00} back to them. I explained multiple times that if they would have closed the account like they said they had the multiple times I had asked, then there would not be an overdraft to pay at all. After over 6 months of going back and forth, they agreed to pay {$42.00} and said that I would still be responsibility for {$60.00}. Mind you, they want me to now pay {$60.00} to the bank for money they never paid out on my behalf - all because the account was never closed the multiple times I asked for it to be closed and the multiple times I had been told by bankers that they were closing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For starters, this constant flipping of my student loan from one company to the next is extremely tiresome. This is the second or third time the same loan has been tossed around and it 's back to one of the original ones! Beyond this frustration, they pass it on, notify me after the fact, and now I owe on late fees for payments? Not acceptable .... at all! How the   XXXX   am I suppose to know?
Secondly, the amount they are stating I owe is not even correct. They are stating I owe almost $ 8k. I do not think they even have the original paperwork or have my payments applied. This is unacceptable. I want to be show the documents that even show I owe on the loan. I do not think they even have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Dear Representative, I 'm writing to dispute the American Education Systems ' ( AES ) entries on my credit report on account XXXX. This account was opened to finance my college education. I received the loan XX/XX/XXXX. After receiving the loan and making all installment payments in full and on-time for the entire history of loan repayment ( over three years XX/XX/XXXX ), my loan suddenly went into default because the loan servicer claimed that I had filed for bankruptcy. I found out later that my mother and co-signer on this loan had filed for bankruptcy without my knowledge and AES had automatically defaulted my loan without providing me with notification or an option to payoff. 

My co-signer 's filing had no bearing on my ability to pay my loan. I could have paid off the loan in full had this been an option. Since my co-signer filed for Chapter XXXX bankruptcy, I should have been given loan payoff as option. Instead, it took months of my own effort to contact AES customer service and National Collegiate Trust ( original lender ) seeking information about what happened with my loan and how I could continue to pay it. 

I eventually found out they sold it to XXXX, which is where I am now sending the monthly installments. To date, I am current on all payments. I am still being reported as having defaulted on my loan payments since XX/XX/XXXX, even though I am continuing to send monthly installments to the new loan servicer. 

AES reports their automatic default action as a " Charge Off '' on my account and this negative information is now affecting my ability to obtain good interest rates on a mortgage. AES customer service has misinformed me that the credit reporting agencies ( XXXX, XXXX, XXXX ) are the only ones who can remove this information. After filing a dispute with these agencies, I am informed by these credit agencies that the deletion of the negative information needs to come from AES. AES has also told me that they can not remove the negative information due to the Fair Credit Reporting Act ( FCRA ) - even though this act is intended to protect consumers from unfair credit reporting, not punish responsible borrowers such as myself. 

I have a proven track record of on-time, paid-in-full monthly installment payments in the years preceding and following the recorded default caused by my mother 's bankruptcy. I have records of all of my payment history available if needed. AES has violated the notification requirements of the FCRA and repeatedly provided me with false or misleading information about my account and their ability to resolve it. AES has turned a good loan bad with their irresponsible charge off of this account and I am being penalized for their actions despite proving myself to be a responsible borrower. 

I request CFPB require AES to immediately remove the negative information from my credit report for account associated with XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Medical) with Smith, Rouchon & Associates, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.

Company response to consumer: Closed with explanation