milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Debt collection (Medical) with AMCOL Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: ***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have never received a bill from the vendor or Syndicated Office Systems ( debt collector ). I found it on my credit report in XX/XX/XXXX that it was reported as first delinquent in XX/XX/XXXX. However, I called the hospital on XXXX/XXXX/XXXX and they informed me that this charge was for date of service in XXXX XXXX. Syndicated Office Systems reported it as first delinquent on my credit report XX/XX/XXXX, more than 7 years later. And, now it 's on my credit report until XX/XX/XXXX from a bill I never received. I have no idea what the charge was for.

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 05/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently attempted to make a payment towards the principal of XXXX of my higher interest student loans. The Navient customer service associate insisted that I would have to pay the unpaid interest on all loans ( despite their varying interest rates ) and then the remainder would then be applied to the principal. I disagreed with the way Navient wanted to allocate my payment since no payment was due at the time. By the end of the call, I reluctantly agreed to pay the unpaid interest on the high interest loan I was attempting to target. After reviewing my account today, I discovered these clear and specific payment instructions were not followed. Navient applied over 37 % of the payment towards the interest on all loans. This required me to make multiple phone calls and spend an excessive amount of time on hold correcting the way the payment was allocated. I do feel that Navient uses these deceptive payment allocation tactics to systematically keep borrowers with varying interest rates indebted. Please take action against Navient to address these concerns. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Rewards

Complaint: On XXXX XXXX American Express solicited me with a " new offer '' to apply for a Delta Skymiles credit card. The offer I received explained that I would receive XXXX Delta Skymiles if I completed the application and then used the credit card to purchase {$3000.00} worth of goods within the first 3 months of receiving the card. I applied for the card and spent {$3000.00} before XXXX XXXX. I contacted XXXX at AMEX customer service on XXXX XXXX inquiring about the miles not credited to my Skymiles account and he opened case # XXXX. On XXXX XXXX, XXXX I received my next account statement and I still had not received credit from American Express, even though i had spent the {$3000.00} in eligible expenses. When I contacted AmEx customer service I was transferred to a supervisor who informed me that I am not eligible to receive the offer because I had opened a Delta American Express card years ago. American Express clearly had that information when they sent me the new offer for a new American Express card in XX/XX/XXXX. I can not understand how its ethical or even legal to send someone a false and misleading offer for credit promising incentives that you will later claim you will not honor. I am requesting that American Express honor the offer they sent to me promising XXXX Delta Sky Miles after I spent {$3000.00} on a new American Express card. I accepted the offer in good faith and I expect American Express to complete the offer as it was described in their credit solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (FHA mortgage) with WILSON & ASSOCIATES, PLLC (TN).
Issue: Struggling to pay mortgage

Complaint: The property mortgage is in XXXX XXXX XXXX who is my deceased mom I am currently residing in the property and I want to maintain ownership of my moms house. I 've submitted several modification request to the current mortgage company after being unsuccessful with them not processing my request a property foreclosure sale date was set for XXXX/XXXX/XXXX. I contacted an attorney and he filed a injunction with chancery court of XXXX XXXX XXXX/XXXX/XXXX. XXXX and XXXX the foreclosure attorney moved forward with the foreclosure XXXX/XXXX/XXXX even though I had a signed order from the court not to foreclosure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been enrolled in the Rate Reduction program with Navient for the past XXXX years. Every XXXX months I have to reapply and the interest rate is adjusted. To be on this program, Navient requires a direct withdraw from my checking account. For the past XXXX years, my monthly payment has been allocated incorrectly between my multiple loans. Each month there are adjustments made to move the wrongly allocated payments to my other loans. This renders my statements useless as a tool for me to understand how my payments are being distributed, how much is going towards interest, how much is going towards my balance, etc. 

Over the years, I have attempted to fix this problem with Navient. Each time I try, I am given a reason why this has happened and I am assured the problem is fixed ( each time it 's a different reason mind you ). Unfortunately, I 'm being lied to each time because the problem has never been fixed. 

Earlier this year, when I reapplied for the Rate Reduction program, I explained this ongoing issue to the Navient employee doing the paperwork. He assured me that the problem would be fixed during my enrollment for the next year. Unfortunately, once again, the problem was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost all my personal information. They should n't be divulging my information without my consent. The shared my name, social security number, birth-date, addresses, and Drivers License number in the most recent security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: Account status incorrect

Complaint: this Account Type Installment Loan Account Number XXXX Date Opened XXXX/XXXX/XXXX was paid in full and was never late.

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 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Transunion credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I just recently was switched from XXXX to FedLoan Servicing after qualifying for the Public Service Loan Forgiveness program. Since switching, I have had nothing but confusion, anger, and frustration with FedLoan. The customer service is poor to nonexistent. I have submitted tickets through email at least 4 times in the past week, and none of them have been answered. The links on their website are broken. After I paid a past-due amount ( late due to confusion on when my payment was due, how to pay, and questions of the like that were submitted WELL before my due date ), I am still in delinquency days after paying. This is affecting my credit score, my bank accounts, my life! I suggest that the Consumer Finance Bureau follow this link : XXXX a testament to the MANY of people who are continually being ignored and, quite frankly, XXXX by FedLoan. At this point, I feel like taking legal action because of how difficult this has been, and it has been under two months since I have been with them. I can not imagine another ten years of this! At this point, I wish I had n't ever applied for PSLF and had stuck with XXXX. Avoiding FedLoan Servicing may have been worth the extra thousands I may have saved if I had never qualified for PSLF, which is so unfortunate. Redo the website. Process payments faster. Get better and more customer service. Lay out clearly when payment are due, penalties, defaults, etc. so that people understand their loan repayment. PARTNER WITH XXXX, WHO MAKES THIS ALREADY XXXX PROCESS QUICK AND EASY! Down with this horrible, scheming, behind-on-the-times company!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (MS).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I noticed that {$400.00} was missing from my account. I was trying to transfer funds to my other account and was told the amount was unable to be transferred due to insufficient funds. I transferred {$1000.00} to that account and know for a fact that the money was there. When I called and spoke to a representative and then asked to escalate to a supervisor, someone named XXXX told me that it was an automated collection. I do not owe anything through or to the bank. When I demanded my money back, she asserted that they had every right to take my money although it is not my bill. Fraudulent activity that I reported and they refused to rectify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing on a mortgage

Complaint: My Wife and I own a commercial building in  XXXX   XXXX   CA.. We  have owned the building personally since  XXXX  and it 's recorded in our names and our trust only. Merrill Lynch and there successor Bank  of America  did  XXXX  loans against the property. In both cases the loans were made under false pretense to a company instead of us. The bank knowingly did these loans for there benefit fully knowing in both cases the loans were made securing a false asset never owned by the company. They also failed to disclosed or send final documents for the last loan done in  XXXX  and current. The bank has refused repeated requests to admit and correct this error. On both loans they have done auto payments from our personal checking account and never receive any payments from the company.  Bank of America is  guilty of false documentation and financial 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 04/21/2017 about Debt collection (I do not know) with Brown and Joseph, Ltd (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

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 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX I filed a dispute with XXXX concerning a collection account on my credit by Midland Credit MGMT Inc. that states i owe {$1200.00}. On XXXX XXXX I was denied credit because the dispute was still being reported over 3 months later. I spoke with a supervisor at XXXX on XXXX XXXX They resubmitted my dispute and had no reason they could tell me why this dispute was still being reported. So, they filed a new one. The XXXX dispute confirmation number is XXXX. This is their reply to me. 
The results are : This creditor has verified to OUR company that the balance is being reported correctly. Historical account information was deleted from this account. Charge off amount {$0.00} How can XXXX say it is proven to them i owe this amount almost 6 months after first filing a dispute? If there is no historical info how was it proven to them? Why was I denied credit because of a dispute left on XXXX almost 4 months after filing it. This was a XXXX credit card originally with a credit limit of {$500.00}. I was working with XXXX, making payments. This collection agency has made up an amount, left it on my credit report and XXXX wont listen to a thing I say. Their own letter telling me it 's resolved makes no sense. These people are horrible to deal with. hard to understand with thick accents. Please help me. I have gotten no where with XXXX. They wont listen to reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Cash advance fee

Complaint: Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous letters requesting payment for an XXXX XXXX XXXX bill that is overdue. However, I have never received any such bill from XXXX XXXX XXXX. When I called to discuss the matter, I confirmed all the information on the " letter '' they sent me but would not give any other personal information. When I refused to give information that was not on the letter the company sent, the call was terminated by the customer service rep.

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 04/13/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (ID).
Issue: Managing the loan or lease

Complaint: We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?

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 non-monetary relief