milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: South west credit systems the  company involved calls me before  XXXX   XXXX  and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Received this letter XXXX/XXXX/XXXX, ARA Inc. XXXX XXXX XXXX XXXX, XXXX XXXX.Oringinal Creditor : XXXX XXXX XXXX Bank Account # XXXX XXXX Current Balance : {$24000.00} This letter is to inform you that ARA Inc. has recently obtained and now is the legal owner of your XXXX XXXX XXXX XXXX Account . All obligations regarding this debt and any applicable interest and or fees have been fully transferred to this office. As of today, you owe {$24000.00}, which is now due in full. Please remit a check for the amount of {$24000.00} payable to ARA Inc.along with the the payment slip above in the self addressed envelope provided. Within 30 days of full payment, you will receive a paid in full letter for your permanent records. If you are unable to pay the entire balance in full, please call XXXX XXXX at ext # XXXX XXXX XXXX -XXXX central to discuss acceptable payment arrangements and answer any questions you may have. Please retain the balance of this letter for you records. Sincerely, XXXX XXXX XXXX XXXX XXXX so I am his XXXX, XXXX XXXX, and I called to find out what this was about. We have n't seen this on his credit record or anything and was shocked. I talked to a lady and she gave me some info and then I called back after letting XXXX know what she said. I called back and talked to a XXXX XXXX ext. XXXX and told her XXXX XXXX ca n't talk on the phone. She said this was from a visa credit card that was open in XXXX and had payments paid on it till XXXX. Balance then was {$7900.00} and now with interest and fees {$24000.00}, She asked if he could pay it in full and I said we only have XXXX and live month to month with nothing extra. She said she had to do her due dillengence and wanted to know if she could set up a payment of {$50.00}. I said no and she said how about {$2500.00}. I told her we did n't have anything extra and she said if I did n't set up a payment then they would take it to court and put a lien on his bank account. I said all we get is XXXX and she said they do n't care where the money came from they would just take the money in the account. I asked her where the card was used and she said she do n't have that info but she gave a couple address 's and XXXX was a XXXX XXXX XXXX knew and XXXX address was XXXX XXXX, XXXX , FL . We looked up that address and it was a trailer that XXXX never remembered. She gave the last XXXX digits of his S.S, # and said he was a police XXXX. I told her XXXX said he never had a credit card from XXXX XXXX and she said someone made payments on it for 9 years so it was his debt. I told her I would pass this info onto XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Other type of mortgage) with BARCLAYS BANK DELAWARE (FL).
Issue: Struggling to pay mortgage

Complaint: XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax has mistaken my former address which is the same with my current address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX instead OF XXXX XXXX XXXX XXXX XXXX, NY XXXX.Also they did n't report any employment history.I am employed at XXXX NY XXXX PHONE:XXXX.I 've been working in this location for almost 5years.Also equifax did n't update my credit score with FICO for two months giving me poor score while my score is fair with XXXX.I could n't understand that mismatch.According to XXXX my score is fair. and poor according to equifax.it was also fraud alert on my credit report placed on XXXX/XXXX/2015 for the XXXX time, the XXXX time was placed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (CA).
Issue: Managing the loan or lease

Complaint: I was being charged for credit monitoring with out my consent from Citibank XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Payday loan () with EZCORP, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. 
This financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed bankruptcy in 2007 it is still showing on my credit report

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 08-11-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: AES ( American Education Services ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at AES as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to AES and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. XXXX XXXX XXXX said they do not own my loan and have no records of it. I then called back to AES and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XX/XX/2009. I want them to take this off my credit and to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with Alliant Capital Management LLC (CA).
Issue: Can't contact lender or servicer

Complaint: First I received an email from XXXX XXXX XXXX that my account was sold to XXXX XXXX XXXX XXXX. Then I started receiving calls from a XXXX from Alliant Capital Management they started saying if I did not pay {$13000.00} and set up payment arrangements that they were going to pursue a judgment on me and garnish my wages and I need to lock in with them right then and right there. I was scared and frightened. I did research and no such company exists. I do not know if it is a legitimate company and do not want to make payment arrangement unless I am certain and I do n't like being threatened. The original amount of my loan was {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several notices on a debt collection in my wife 's name. The name is incorrect and we have no record of the service for which this debt claims. I have written several times to the collector and they refused to disclose any information on the debt to me. I have written and telephoned the company multiple times with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.

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 04/24/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I originally went to XXXX XXXX XXXX XXXX in XXXX XXXX Texas on XXXX2016 for a XXXX XXXX XXXX XXXX. When I checked in, I asked about pricing and they said i needed to be evaluated first. After approximately an hour I was released and they said the Doctor would need to complete a report for billing and I would be notified of the costs. I later received a bill for @ {$8000.00}. I called the facility and they were unable to explain the basis of cost other than it was based on the level of care. After I called several more times the Manager said they would waiver the {$150.00} deductible since they were unable to provide pricing details. 

Later that year XXXX XXXX XXXX was bought by XXXX XXXX XXXX and I was sent a demand letter for the {$150.00}. 

I asked again for the pricing structure used to determine " Level of Care '' and it was never sent. They did send a statement detail with a lump sum entry for the " XXXX XXXX XXXX '' for {$6200.00}. This amount was charged for the ( 1 )  hour I was in the unit and the exam and XXXX are additional charges. 

The deductible was originally waived by XXXX XXXX and insufficient detail was provided by XXXX XXXX and AMCOL. Now, AMCOL XXXX has entered a collection amount of the {$150.00} by fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Original account was XXXX XXXX/XXXX. Acct No XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX I do not owe this bill and know it. Many attempts were made, and I have challenge this debit for two years. I have repeatedly asked XXXX XXXX to confirm the debit that I owed the amount ~856.00 or remove it from my credit profile. with no notification account was sold. Thus, in XX/XX/XXXX XXXX XXXX removed the account from all 3 reports. Subsequently XX/XX/XXXX the account showed up on my XXXX credit report. with out proving their case XXXX XXXX sold there claim to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX This debt collector has failed to contact me as of XX/XX/XXXX and their report date shows XX/XX/XXXX ( nothing was there till XX/XX/XXXX ). XXXX XXXX has taken action to report on my credit report with out proof of debit. I have responded by sending XXXX XXXX a letter that demands proof that the debit was actually incurred by me. ( Logic dictates if XXXX XXXX could not prove their claim neither can XXXX XXXX ). 


I feel your agency is the last hope for an equatable solution to this harassment. thank you for your in advance help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (DE).
Issue: Settlement process and costs

Complaint: I received a XXXX from the mortgage company stating Outstanding Mortgage principal as XXXX/XXXX/XXXX is {$83000.00}. Then my mortgage statement dated XXXX/XXXX/XXXX states principal mortgage is {$100000.00}. Why wo n't the amount be the same.

Company response to consumer: Closed with explanation