milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Debt collection (Credit card) with Javitch, Block & Rathbone LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with KONDAUR CAPITAL CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello i recently paid XXXX XXXX Credit card to XXXX after paying them on time never make one late payment XXXX XXXX updated me paying off my balance and deleted the account of my credit which caused my XXXX credit score to drop 110 points this is un acceptable and as a result this has caused me embarrassment and denying in credit

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 03/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Nationstar Mortgage LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX     2017,  I requested that  American Express  issue my girlfriend an additional American Express Platinum card so that she would be an authorized user on my account. My girlfriend was issued an American Express Platinum card on my account in    XXXX     2017,   but the account was never a joint account and she never agreed to be liable for any charges on my primary account. My girlfriend also never incurred any charges using the newly issued card. Nevertheless, in  XXXX   2017, we le arned that  American Express has reported to the credit bureaus that my girlfriend had an open account with American Express and that her account had a sizeable outstanding bal ance, which balance was actually the balance that I owed on my primary card account. My girlfriend had no legal responsibility  whatsoever for the account balance reported by American Express to the credit bureaus on my girlfriend 's credit report. This inaccurate credit bureau reporting materially and adversely impacted my girlfriend 's credit score. Further, when American Express was notified of the error, they indicated that it would take over 3 weeks to correct the error to my girlfriend 's credit report. In my view, this should be a clear violation of the Fair Credit Reporting Act or, at a minimum, be deemed an Unfair, Deceptive or Abusive Act or Practice and American Express  should be required to correct such errors immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX/XXXX/2016, I attempted to purchase my credit report from Experian. After several failed attempts, I made a call to their customer service line. I was told that because my " old account had expired ... I would have to create a new profile account to purchase the report '' I followed those directions and was again blocked by their system ... yet, they charged my XXXX XXXX XXXX XXXX for purchase price of the reports at an amount of {$19.00}. I again called customer service and got the response that " your account is expired '' ... but with a slightly different twist ... '' because my account has expired, my payment liked to an expired account ... but the system is unable to give me a credit report. '' Experian charged my credit card twice ... but is unable to produce a report for the charges. The Experian customer service rep said she would send a " ticket to have my charge refunded to my XXXX XXXX account ... in 2 - 3 business days. '' But, they could n't tell me how to get a credit report because while I used a different user name, at least according to their system, my info somehow continues to link to an older expired account which means I ca n't get a report. Experian is one of the major credit reporting agencies. I 'm stuck as a consumer when I need to check my credit report and I ca n't get a copy because their system is n't working properly. What should have taken me about 5 minutes has consumed the better part of an hour of my time. Your assistance with this would be greatly appreciated. I 've already gotten my free report for the year ... so that 's not an option. I just wanted to check my credit before making a change in credit cards ... this is quite frustrating.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

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 12/29/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing the loan or lease

Complaint: In XX/XX/2016, Navy Federal Credit Union stated I have a loan balance with them in the amount of {$1100.00}. with fees added, totaling {$1200.00}. NFCU offered me a settlement of {$630.00}. the settlement was paid in XX/XX/2016. Today, XX/XX/2016, I am reviewing my XXXX credit report and NFCU is reporting that the {$1200.00} has been written off vs paid in settlement. I spoke with NFCU and they claimed there 's nothing they could do to change the " falsely '' reporting information and it is XXXX reporting the information and not NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account Resolution Servi # XXXX is fraudulently trying to collect from me another XXXX dollars since XX/XX/XXXX and I already paid them. I recall paying this XXXX dollars at least two times but I can not find the other checks. 

This fraudulent agencies need to be stop by the government. They know that banks only keep back records for seven years and some people do not keep their records. I keep all records. That is why they need to be stop from collecting fraudulent charges back to seven years. 
I paid the XXXX primary care physician XXXX dollars on XX/XX/XXXX. I paid them with check number XXXX since XX/XX/XXXX. 
I gave that information before to that company but they still want more money from me. Guess what? they are not going to get it because I already paid that account.

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 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
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 recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any. 

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ). 
I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation. 
The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Collection Agency has no right to contact me. They are not licensees of the State of Maine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I contacted Resurgent Capital Services ( RCS ), a debt collection agency, regarding a fraudulent account back in XX/XX/XXXX. I submitted all required documentations to verify that the account was indeed fraudulent. Upon completion of their investigation they found the account to be fraudulent, and sent me correspondence that the account would be closed and deleted from my credit report. The letter they sent out was dated for XX/XX/XXXX. Upon checking my credit report XXXX XXXX, the account was still on my account as accurate. I then submitted a dispute with XXXX because the debt collector was still reporting the account as negative and accurate. I called RCS again in XX/XX/XXXX, and they told me the account was closed and was fraudulent, and sent out a new letter dated for XX/XX/XXXX saying they would delete the account and have it updated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker. 

Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision. 
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loans were taken out to attend XXXX XXXX XXXX XXXX from XXXX. I believe the school acted unethically in disbursing my loan by forcing me to ask permission to receive my funds which were designated to be used for my education and living expenses. I also believe that the school did not provide credit counseling to me in an ethical or timely manner. Furthermore, I believe my first loan servicer did not assist me in ensuring that my debt would n't triple. What began as approximately {$26000.00} in loans has surmounted to over {$70000.00}. The balance is augmented drastically due to high interest, collection fees, and bank fees. I would like an investigation into the matter, so that I am able to see an end to the debt. At the rate I am paying now, I will be unable to ever repay the debt in full before my death.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have an account that was open in which I did not open it. My information was stolen out my purse when I was a relative house. I spoke with the bank over the phone but they could n't give me any information on the account.

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 07/28/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing statement

Complaint: I received several late fees, and realized without my consent or knowledge Macy 's changed my last name on both of my credit card account ending in # XXXX & # XXXX, which prevented me from receiving timely statement. Although I made payments on both accounts for due date XXXX XXXX, XXXX, Macy 's is showing both accounts past due demanding I pay an addition {$37.00} on each account or will report the accounts late with the credit bureaus. In addition Macy 's is demanding a higher payment amount for next cycle billing based on their internal errors which created a problem with accurate reporting of information to the credit bureaus. This erogenous error has impacted my credit score and reporting with the XXXX credit bureaus and to date Macy 's is refusing to acknowledge the mistake, provided written documentation of who authorized the name change and why this information was changed. I had these account since XXXX, and the account has been under the name XXXX XXXX XXXX, on or around XXXX XXXX, Macy 's without my knowledge or consent change the name on the account to XXXX XXXX XXXX, Macy 's is refusing to correct their error within their system and with the credit report bureaus. This was done intentionally as retaliation for several complaints I filed with CFPB in regards to Macy 's illegal practices with manipulating the consumer credit scores and increasing the consumers line of credit during the holiday season to increase sale.

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 02/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Here 's my story : I 've been paying my minimum monthly payment every month to Sallie Mae until I fell into hard times. My car keeps breaking down and now taking care of my homeless father. I can no longer afford my minimum monthly payment. Before, today XX/XX/2017, I 've called several times trying to lower my payment and I was told my only option is to go on forbearance. I did n't want to stop paying them, so, I started sending checks of what I can afford. That is when they started harassing me at my work and other family members looking for money. I called again and was on the phone with them for over 3 hours, today, trying to find a solution. I talked to XXXX, in the Resolution Department, giving them all my financial information and hard ship issues. The call elevated to the supervisor, XXXX employee # XXXX. They told me they can not help me and forbearance is my only option. ( All calls are recorded so you could potentially get the information if you need it ). My XXXX XXXX XXXX grandmother is my cosigner. She is currently living on only social security so she is, also, unable to help me with payments. They wanted to speak to my cosigner, however, she is unable to speak on the phone. I told them vehemently, over and over, she is unable to think clearly and there is no one to speak on her behalf. I made it very clear that I want to be responsible for my payments of what I can afford. Throughout this 3 hour call I kept telling them I can pay {$100.00} per month and I know I could continue making {$100.00} payments through the duration of the loan. They just kept offering the forbearance or speak to my cosigner ( aka my XXXX ) - those were my only options. It started this back and forth conversation and they did not give me any other options. Am I wrong? Should n't they work with me? They have no problem cashing my check I send in each month. Now my credit is ruined because of them, so, now I do n't qualify to consolidate my loans with a bank. I am writing to you, not only to help others, but also to see if there is ANYTHING you can do to help me. I 'm desperate and I need you. 
Thank you, XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX XXXX gradutate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a letter today stating that I owed a minimum payment due of {$78.00} I have not used the card in months. 
I made a payment {$40.00} on XX/XX/XXXX, which was the balance due. 
Citibank is stating that the payment was late and has been charging me {$37.00} per month for late fee 's with no account balance. 
When I called they told me I owed {$110.00} in late fees but would deduct one month so I owed {$78.00}. 
I did pay it because I do n't want them XXXX with my credit. 
Most importantly I was unaware of all this until I received the letter today. 
I have never received a bill or an email that my account was in arrears. 
I am irate that they are charging me for a clean account balance.

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