milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with Alliance Data Card Services (RI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Attorney XXXX served me with paperwork regarding a debt owed. We spoke on the phone and he agreed to make an alternate agreement with me instead of in court and stated he would not pursue the court case. I made an agreement with him to pay {$50.00} per paycheck. I moved recently and changed my phone number and sent him in writing the new information. I was having financial difficulty and asked to skip a few payments temporarily and resume my payments in XX/XX/XXXX. He agreed verbally over the phone. My employer then received a notice for wage garnishment. I contacted the lawyer and besides the original agreement he denied allowing me extra time to pay and denied receiving my new contact information. He also stated that I could be arrested for not showing up for court ( even though the court notice to garnish my wages was only mailed to me and sent to my prior address. ) The wage garnishment he said would be approximately $ XXXX/Pay period. I advised him I can not possible afford $ XXXX/mo and if there 's any other options and agreed to increase to $ XXXX/pay period and he again said there was nothing I could do as I owed the debt and the judgement has already been made. He asked me to send a copy of my monthly budget ( which I faxed right away ) and made comments to me that if my rent and electricity are up to date then I should just " hold off on paying those '' in order for me to pay this debt. I am a single mother, I do not get child support. I 've tried to work with him reasonably and he has been threatening and goes back on agreements previously made. He also mentioned how I did n't go to the original court date even though he told me I did n't have to because I went to his office and met with him directly to come up with an alternate agreement. He has not contacted me back regarding a different agreement since I sent him the budget he requested and I feel he is just stalling until it is too late for me to change anything. I also feel he took advantage of my address change and immediately filed knowing I would n't receive the paperwork and would n't show up for court because I would n't know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Credit decision / Underwriting

Complaint: I am having difficulty refinancing my mortgage because my current mortgage holder will not report it to the credit bureaus. I do not get written or verbal responses when I contact the bank. I have called and written them asking that they please report my mortgage to the credit bureaus so that I can refinance. They seem to be using delay and avoidance tactics to prevent me from refinancing.

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

Complaint: 3 times XXXX has not pulled a planned scheduled payment out of my bank account. They blame my bank or say they " have no idea what happened '' then instead of trying to process the monthly federal school loan payment again, they defer my loan. Creating higher interest. This has happened to me 3 times, and to my mother twice. They act clueless when you ask questions and tell you they have no idea where my bank account info is or the payment bank info for my account has disappeared all together. This is a SCAM. And I will Not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft.  He was notified XXXX XXXX/Walmart XX/XX/XXXX of a fraudulent application submitted with his information without his consent.  This left a fraudulent related inquiry on his XXXX credit report. An official dispute of this was sent to XXXX XXXX/WalMart XX/XX/XXXX and again XX/XX/XXXX however XXXX XXXX/WalMart has not replied which is a violation of the FCRA.

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 09/28/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit line increase/decrease

Complaint: I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )

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 04/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please see attachment, it includes my late mothers XXXX certificate in the State of Tennessee. The XXXX XXXX maybe still using her social security number. My mother maiden name is/ was 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 08/14/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Credit card protection / Debt protection

Complaint: I am writing because my earlier report XXXX was answered by Sears Matercard account which is issued by Citibank , N.A . It was about lowering my credit limit and and PULLING MY CREDIT REPORT WITHOUT MY PERMISSION ; ONLY. The person responding to my complaint is XXXX XXXX, Executive Response Unit of Citibank, N.A.. ( XXXX ) Today, XXXX/XXXX/2016 and spoke to XXXX ( Employee number XXXX ) I asked XXXX XXXX put in my notes on my account " TO NOT MAIL ME OUT NO MORE CREDIT CARD ''. XXXX replied to me by said '' I CAN NOT do that because the system will mail out credit card anytime ; even for reasons if the Rewards system changes it will mail another credit card out ''. I insisted she makes sure I DO NOT get another credit card. XXXX keep repeating she CAN NOT do that. I feel Citibank , N.A . employees are doing FRAUD against my 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 06-07-2017 about Student loan (Private student loan) with DISCOVER BANK (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
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Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
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I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
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Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been divorce for many years, took the steps after my divorce to get my life back together as it has been over 7 years, I had my credit pulled a couple months back and a debt from a company named One Main Financial was listed, this is my ex husbands debt. Several request via the phone and in writing have been sent to this company to validate this as I do not recall ever obtaining only my ex and this company has never once responded back providing me a signed initial contract with my signature. I have disputed this account also with the XXXX major credit agencies which they have all stated they verified which how are these companies able to verify when I can not. I am lost for words as I can not move on with my life with this old debt which I do not believe I am responsible for is listed that I owe. Does n't a company have to have proof/validation of a signed initial contract and prove that it is within the statue of limitations? I do not know where to go from here I am asking your agency to help me as your company helps consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. 

In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. 

Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. 

ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. 

Internet message boards show many consumers with these same complaints against XXXX/ECMC. 

The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. 

ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. 

The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. 

I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! 

I have hundreds of pages of documentation/correspondence to verify the above.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion credit Bureau remove inquiry from my credit report and place them back on my credit report with given me  a five d ays nofication that they was gon na place them back on my credit report  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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Trans Union continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
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Trans Union continues to list the dismissed bankruptcy on my credit file. Trans Union 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated.
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Therefore, Trans Union has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.

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 02/23/2017 about Credit reporting () with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Purchased my mortgage in XXXX XXXX from IndyMac per notice mailed to me in XXXX XXXX upon purchase I was behind a total of {$18000.00}. If you check the attached files that I screen shot from IndyMac/Ocwen you will see that I was Ch XXXX and IndyMac rcvd regular payments on a regular schedule from XXXX XXXX XXXX ( XXXX Payments of XXXX ) of an agreed payment arrangement on a past due balance of {$18000.00} in the amount of {$590.00} in addition to the regular scheduled monthly payments and escrow. In XXXX when the agreement was made they was a SURPLUS amount of {$540.00} escrow and no late fees or interest was allowed to be charged per the agreement. In XXXX XXXX I lost my job and was dismissed from Ch XXXX and could no longer make the {$1600.00} a month payments. I begin to work on a modification with IndyMac and a few months later they sold the loan to Ocwen. IF you subtract XXXX x XXXX {$14000.00} from the total arrears, that only leaves {$3800.00}. If you add payments for XXXX XXXX XXXX ( XXXX ) {$2900.00}. Totaling {$6800.00} That is far cry from {$18000.00}. When I sent the dispute information to Ocwen it was ignored. I have spent the last 3 year fighting for my home and requesting modifications and adjustments to just be shut down and have had game after paperwork game thrown my way. Enough is enough. I just want a credit for the {$11000.00} to the account and modification the additional arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent out a letter to Portfolio Recovery requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted. I have no knowledge of this account and have file identity theft with FTC.

Company response to consumer: Closed with explanation