milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX  XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX  
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX  #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX  (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: I received a a letter on XXXX/XXXX/2016 advising that my " XXXX '' account was being cancelled and I had the ability to re-new. The envelope and memo were non-descript so I was not aware what this service was really about. I thought this was a phishing scam. 

I called on XXXX/XXXX/16 and was advised that Citibank had signed me up for this service since I had done business with them in the past. It seems this service is a credit monitoring service (??? ). The agent cancelled my subscription and was helpful but was not able to provide any contact info for Citibank. I have NOT had a Citibank account for years nor received any notice I was being signed up for this service OR what access to my records they were actually monitoring. 

I 'd like to understand why Citibank was allowed to do this without my permission and what personal information does this company have access to. 

Their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from  XXXX   XXXX    XXXX  . I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received an alert from 2 of the credit bureaus I use to monitor my credit. 
I was made aware that a company from Calif. had put a collection on my reports for some ridiculous amount. This so called company name is Caine and Weiner has put a fraudulent claim on my credit reports. 
I was struck by a XXXX driver in XX/XX/XXXX and have spent the last few years in court with her insurance, finally reaching a very nice settlement in XX/XX/XXXX, now I am finding fraudulent people who want place erroneous items on my credit report thinking I will pay them. 
I will not tolerate this and I will fight this with all I have!! 
I am outraged that the credit bureaus are able to just arbitrarily place items on my credit report with out any effort to obtain as whether they are real or fraudulent. 

I researched this so called company XXXX XXXX XXXX and much to my dismay there were pages and pages of their fraudulent behaviour. 
I do not owe them any money and I want this off my credit reports as quickly as possibe, I am rebuiding my life after being mowed down by a XXXX driver and I will not be taken by a scam artist. 
The date that is appeared of the alert is XX/XX/XXXX. 
The amount is {$3100.00}. 
The name is Caine and Weiner. 

I thank you in advance for all your help and quick response. 

Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Other financial service (Check cashing) with JPMORGAN CHASE & CO. (FL).
Issue: Excessive fees

Complaint: I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Unsolicited issuance of credit card

Complaint: When making a purchase at XXXX, the sales clerk asked if I wanted to join their rewards program and receive 10 % credit towards future purchases. I thought that sounded like a great deal and said yes. When I received a XXXX/Comenity credit card in the mail, I was surprised and angry. Foolishly, I did not read what the clerk put in front of me to sign, trusting that it was simply pro forma Rewards membership. But I was fooled into applying for a credit card I do not need or want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. 
When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. 
I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. 
Please help me Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: My client, XXXX XXXX, has an account at XXXX in XXXX, Tennessee and he wire transferred {$38000.00} to me XX/XX/2015, Wells Fargo account number XXXX. Wells Fargo claimed the funds were stolen and told me the funds were sent back to XXXX. XXXX claims they have no knowledge of the funds being sent back.

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 11-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( XXXX County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as XXXX XXXX ( XXXX ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as XXXX XXXX and stated it was transferred to a " Law Firm ''. I was then informed that the judgement was not satisfied. Asset Acceptance reported that the information would be with the county courthouse. They could not verify the debt or reported " Judgment '' as they do not sue. Judgment was filed by Asset Acceptance and later in turn released to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were unable to verify that I was served with judgment papers and could not tell me when I was allegedly served by XXXX County ( Minnesota ). No information identifying me being served or the nature as to any court documents have since been sent or presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (FL).
Issue: Managing the loan or lease

Complaint: The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX    XXXX   Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX   XXXX    XXXX  Cell Phone :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing

Complaint: XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX XXXX offers an email stock option recommendation trading service, which recommends option purchases every Friday morning before something like XXXX XXXX XXXX. The offer, which I responded to was four weeks for the price of one week with an automatic renewal at {$79.00} per month. They also warn that there are no refund if the automated renewal is executed. 

As I enrolled after XXXX XXXX. XXXX on XXXX XXXX, 2015, my first set of recommendations came on XXXX XXXX, the second on XXXX XXXX, the third on XXXX XXXX, and the fourth and final set on XXXX XXXX. On XXXX XXXX, which was a Sunday, they charged my credit card the {$79.00}. 

My complaint is 1 ) as they know that they will not give refunds on the automatic charges 2 ) as they provide us the recommendations via our email address Why do n't they email us a reminder that they are going to submit the {$79.00} charge, especially to senior citizens like my self, who get distracted and forget. Also, the first set of recommendations under the {$79.00} would have been Friday XXXX XXXX, 2015, so they could have email a reminder. Also, they use a third party payment processing company. I called that company and requested that they have someone from XXXX XXXX call me. That never happened and my credit card company was unable to get them to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hi, It shows in my credit that I owe {$720.00} and it was opened on  XXXX   XXXX . The name of the creditor is called ARS Account Resolution. The second creditor that is charging me money on creditor is charging me {$2200.00} and it was opened  XXXX   XXXX . The creditor 's name s called  XXXX   XXXX   XXXX . I did not take my daughter to the hospital during the months that is shows in my credit reporting. I have been false accused of taking her. Can you please ask them to check the signature of who signed the release medical information? Also, ask them to print me the ID that was used when the person went to the hospital? I do not understand why I am being charging of something I did not do. I just want the creditors to fix this issue they are accusing me of. I hope you can remove these  XXXX  charges out of my credit which are the amounts {$720.00} and {$2200.00}.   Thank you for taking the time to read my complaint.     sincerely,  XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (AR).
Issue: Making/receiving payments, sending money

Complaint: I sent Ally Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our truck loan, to receive our truck title. The Legal Tender was sent XXXX express mail, and received by Ally on XX/XX/2017, and signed for by XXXX. Ally Bank has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, I had to call them, and they refused to apply it to pay off our debt. I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why Ally is exempt from Legislation. Ally did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then there is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, or owe according to the Banking dictionary XXXX addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the XXXX Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt! I recently sent them another Promissory Note, that they received on XX/XX/2017, to see what type of response I would receive, but the fact remains, they should have responded to my first Note!

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