milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with College Assist (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: They called on my cell phone, I told them I do not wish to have contact by cell phone. I asked for mailing address to communicate in writing and they refused to provide it. I asked them for my account number and they said it was my Ssn. I really want to get more information about this debt but they are making it difficult to figure out what 's going on here

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 01/18/2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit report has a collection account showing a {$5.00} balance from a water company. The water company says nothing is owed and it was paid a year ago. 

The collection company says the debt is owed and wo n't remove it from my report with the bureaus until an investigation can be completed. 

I 'm trying to purchase a home currently and this issue could cost me thousands of dollars in fees and a higher interest rate on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. 

The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). 

They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. 

I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! 

How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: The Branch Banking and Trust company has been harassing me recently in an attempt to collect a debt which has expired the statute of limitations in accordance to the state of Virginia. In addition, the Banking Institution has recently sent me an garnishment summons in clear violation of my consumer rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 submitted a dispute to the following credit Agency : Equifax They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXX was their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX for a medical debt reporting in XX/XX/XXXX.

I called the XXXX XXXX before submitted the original request through Equifax and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with Equifax and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with Equifax is XXXX XXXX XXXX XXXX XXXX XXXX XXXX My XXXX  report does not show item or address.

My XXXX  report does not show item or address

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: REFERENCE TO CASE NUMBER XXXX Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How then did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to have a look at the mail COMMON WEALTH FINANCIAL sent to my home address with a different recipient on it. The attachment is another prove that the account from COMMON WEALTH FINANCIAL is a fraud. I resubmitted this compliant because the attached mail was received XXXX days ago XXXX/XXXX/2016 Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a mortgage with Suntrust. On XXXX XXXX, 2017,  Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form. 

All these forms were sent to Suntrust Loss Draft Dept,  some of them multiple times at Suntrust 's request. 

I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust. 

In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?

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 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently received a copy of my credit reports from the XXXX credit bureaus and I noticed an account in collections from Franklin Collection Services in the amount of {$220.00}. I contacted the collection and requested verification of debt but all I received is a bill. There is no breakdown of charges or signature. I have disputed this and requested in depth verification of this debt but I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I recently acquired an American Express Platinum Card which as a benefit allows you to get an American Express Gold Card for free. I chose to get the Gold Card with my Platinum card because it receives a slightly better point structure for restaurants, as outlined in their terms of service ( attached ). American Express does not appear to be giving the appropriate rewards points structure on the Gold Card. They treat this card as a Platinum card despite it being physically a Gold Card and represented as a Gold Card in their benefits pages. I have contacted American Express and they have been unable to show where in their terms of service the Gold Card that you get as a benefit from the Platinum Card will earn points like a Platinum Card. Even the supervisors I 've talked to on their customer support line have admitted they can not find something that outlines their current practice and overrides what is written in their terms. 

Timeline : - Approximately XXXX Call and order American Express Platinum and Gold card. 
- XXXX Receive and Activate American Express Platinum card. 
- XXXX Receive and Activate American Express Gold Card. 
- XXXX Contact American Express Customer Service after noticing my Gold Card was not earning 2x points as described. 
- XXXX Mailed via Certified Mail Claim Notice ( Attached ) - XXXX Receive phone call from American Express, Talk briefly where they re-itterate their point. I do n't have time to discuss further and ask them to call back another time due to me being in a meeting. 
- XXXX American Express calls back at the same time. 
- XXXX I call American Express back. Discover they have closed my Claim and  reopen a new claim, which I ask them to escalate to corporate after getting the run around. 
- XXXX Talked with representative from American Express that describes internal documents that state that the Gold Card should earn points like a Platinum Card but not a Gold Card. He is unable to share this documents with me because they are internal only. He again escalates to corporate. 
- XXXX Requested Meditation with XXXX XXXX XXXX ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home XX/XX/XXXX, within the first year, I received a check from my mortgage for an overpayment from my escrow account. Every after I am sent a coupon advising me of an escrow shortage, I am given the option to either pay the full amount by a certain date, or have the amount disbursed into 12 month increments, increasing the amount of my monthly payments. Since XX/XX/XXXX or XX/XX/XXXX, I have paid the full amount to avoid the increase, but have noticed that my payments are increased anyway, coincidently, by the disbursement amount. Recently, I called an asked why my payments increased when I 've paid the full amount of the escrow shortage by coupon date, I was told that the increase to my payments is due to an increase in my insurance premium. I have XXXX, homeowners & flood ( which is an annual payment ), she could not say which premium, the amount of increase, nor the reason for the adjustment. This has been going on for several years. In XX/XX/XXXX, I was denied mortgage assistance for hardship, I did n't meet the requirements, during this time, I was still called for past due payments, the agent assisting me, was not attainable, the company does not offer loan modification services. I was very disappointed then, I love my home, but I really do n't see how I can make a lump sum payment for the escrow shortage, see the disbursed amount still included in my monthly payments, & a late fee (? ).

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 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to provide me with my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Each year I apply for an Income Driven Repayment Plan my request does not go through and it shows that I will have to pay a significantly higher amount per month. I then have to call and reapply for the payment plan I want to take effect. I was also put into forebearance this past year when I should not have been.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have unauthorized and fraudulent accounts listed on my Equifax credit report. The following accounts are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX Bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Customer service / Customer relations

Complaint: I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.

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 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted the credit reporting agency Experian multiple times regarding negative items ( XXXX and XXXX XXXX ) on my credit report that I believe is not mine. I told them I tried to contact the collection agencies directly to acquire a billing statement showing proof that the debt belongs to me but the phone number on the credit report is not a valid phone number. I asked Experian how are they getting in touch with the collection agencies to continue to report negative items on my credit report and I also ask for the credit bureau to provide proof of the information the was provided to them from the collection agencies. Experian stated that they have not receive any information from the collection agencies to instruct them to remove the negative reporting, but my question to them was how are they validating that the information is truly for me. If the collection agencies have not responded to Experian, why Experian continues to report negatives items that I have disputed and I believe is not valid. I also ask Experian to provide proof that they validated the information with the collection and to provide the phone number, email, or address that was used to validate the debt. Experian told me they were not able to provide that information to me and I should use the number on the credit report that is not valid. Why I ca n't get proof or speak to someone concerning the validity of the debt??? I believe the continuous reporting is un-just because I have not received a billing statement or proof related to the debt from the collection agencies or received proof from the Experian showing how they were able to validate the negative items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Chase closed a personal bank account of mine without any reason and will not tell me why. They have taken {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


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 08-08-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortage with Nationstar Mortgage. Every few months I have to request payment history to check how the money is applied. Most of the time they do n't apply it correctly. I have been sending extra {$200.00} a month towards principal. XX/XX/XXXX I got the payment history and {$1000.00} ( XX/XX/XXXX-XX/XX/XXXX ) was not applied to principal. The money went to Corporate Advance??? account, Misc. account not to the Principal like I requested on the check. XX/XX/XXXX I sent an e-mail to NationStar. To this day I did not receive the copy of the corrected account which I requested. Nobody got back to me. The only letter and e-mial is the confirmation of receiving the complain. When the mortgage was with XXXX XXXX XXXX everything was clear. With Nationstar nothing is clear and the fact that they refused to sent me a statement make them do what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with CITIBANK, N.A. (AK).
Issue: Transaction issue

Complaint: I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.

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 monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: my account showed positive this morning now the bank is saying that it is in negative it is I had a credit go in the same day as transactions went out. they have changed it around so that my account appeared to be in the negative first. this is so unfair and seems to be constant with citizens bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I contacted Bank of America a few times about this same issue. ( Actually even the Risk Closure Department ) So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Bank of America. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Risk Closure, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Bank of America. When i further asked why and explained to the phone banker that i have never opened these accounts with Bank of America. She sent me to Risk Closure. Risk closure said my accounts were closed, i advised them that i have never opened an account with Bank of America in my life, and that i just now have been trying as of this week. The rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Risk Closuee person, that is a mistake because i have never opened an account with Bank of America. The Risk Closure person then transferred me to Check Fraud. Which filed a claim. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Bank of America but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I wouldnt have ever done any risky behavior. Had I known sooner I would have advised them. My email was also hacked and I found that out as well. No one assists me at Bank of America. I never heard back from Check Fraud either. The risk closure department stated Check Fraud has to advise them to remove the closure notes. Which has yet to be done.

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