milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: I had a Macy 's Credit card account number : XXXX, which I had not used for months. In XXXX 2015, I was notified that I had a {$50.00} balance for a XXXX gift card charge. I reported the fraudulent transaction and required to close my card immediately. Later, I filled in form required by Macy and attached a copy of my driver 's license. I never heard anything back while my balance+late fees have grown to {$150.00} now, XXXX the original amount. When I tried to talk to Macy 's again, the representative told me that if I did not receive any call from them, it meant they received my doc. It will take 90 days for investigation while my late fee will continue to accumulate.

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 04/26/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX   XXXX  obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter  XXXX  bankruptcy that was  discharged but the  lender refuses to remove the lien from my house until the debt is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Well fargo has robbed me. here are the accts XXXX, XXXX, XXXX,XXXX, I received a letter stating XXXX Credited me XXXX in the account ending in XXXX and it was gone. There are many other accounts I have had with well fargo. Please review all and see why I was charged all these bank fees. 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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHECK INTO CASH INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like to dispute a hard inquiry on my credit report. Check into cash has checked my credit twice this year without my knowledge. I was not informed that my credit will be checked when I was applying for a personal loan with them. I have been one of their customers since XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX are the dates they have checked my credit. I would like for those inquiries to be removed off my credit report. It is not fair to process a credit check without ones knowledge. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Acceptance Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX account information : XXXX form : XXXX date : XX/XX/2015 I XXXX XXXX totally disagree with this charge, espcially with Credit Acceptance reporting {$3300.00}. I never receive a form from them, I been trying to fix my credit, I believe this is for Car loan that I never had, I had file a dispute a year ago to get this of my credit report. 

This Credit Acceptance are charging the wrong person, or someone had use my Social Security number for this, by all means I entitle CFPB to investigate in order to remove this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (I do not know) with Global Asset Management Group, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.

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 06/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I came out if my deferment period in XXXX 2017. I attempted to negotiate income based payments but was denied and issued threats to go after my co-signer. While trying to negotiate payments over a period of 4-5 days, and being sent in circles, I was able to apply for forbearance which lasted until XXXX. When I tried to re-apply for my second term of forbearance, beginning XXXX, the company withdrew a payment and set my forbearance to begin in XXXX. I am unable to make payments and have no ability to negotiate my payments. Interest is accruing and Navient has been more than dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problems caused by my funds being low

Complaint: My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided. 

On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters. 

On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct. 

I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.

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
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX  '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at 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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit card () with KEYCORP (OR).
Issue: Forbearance / Workout plans

Complaint: I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (MA).
Issue: Struggling to pay mortgage

Complaint: I had a bankruptcy XXXX in XXXX of XXXX discharging a first mortgage and second mortgage on my residence.The first mortgage payment has gone from XXXX to XXXX in the last 2 years and it is now XXXX am not paying the second that was XXXX in bankruptcy.I have been denied a modification by XXXX XXXXI was told upon the bankruptcy from the then second mortgage servicer to not worry about the loan because i would be ablew to obtain a discharge as the property was under XXXX XXXX originated both mortgages butr sold the XXXX to many servicers now it is being handled by XXXX XXXX XXXX are difficult and unresponsive, i have mad them offers for a lien release in the format that they requested and they are either ignored or answered with a number they know i cant comply XXXX second mortgagee had previously agreed to give me a discharge and are now reneging on the XXXX, All subsequent efforts to effectively buy the discharge results in them not hgetting back to XXXX though this is the same mortgage that had collection efforts made during my bankruptcy and even asked me to produce a " NOTICE OF NON REAFFIRMATION ''? 
I am being forced into foreclosure after having been given errant information by the mortgage servicer.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 04/15/2017 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I, XXXX XXXX, at XXXX XXXX, XXXX MD XXXX, and I am a Capital One customer who is UNEMPLOYED. I have received reports from my neighbors that some irate man has been coming to my house, bypassing the intercom, aggressively banging on my door, during times when I was out at an interview or a skills enhancement session, leaving a no information business card containing my name and a number to call, see attached, in the crack of door stating to be from the XXXX Court of Maryland. Feeling harassed and upset I called the XXXX Court of Maryland and was told that Capital One filed suite in XX/XX/XXXX against me for approximately {$1800.00}, XXXX, although I was laid off from my job in XX/XX/XXXX 

I am UNEMPLOYED. Why are they treating me, an unemployed female, so extremely unreasonably poorly? What does Capital One expect to achieve by handling my being unemployed this way?

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit reports.

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
Consumer complaint received 09/19/2016 about Debt collection (Federal student loan) with MOHELA (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mohela has been calling me for almost a year now. i have blocked the number and they find new and different numbers to call from. They call multiple times a day everyday and i have explained to them a minimum of 10 times now that the person linked to my cell # is not me. I went through a lengthy process of proving this twice before so they would remove my number and it somehow keeps getting added back into their system. they continue to call XXXX3 times daily all hours of the day, leaving me messages about a debt owed that is not mine. i have asked many times now, proven the number is mine and not the " borrower '' but they keep calling me despite attempt after attempt to stop the calls!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on XXXX XXXX, 2017, received a collection letter from Receivables Performance Management , LLC,, trying to collect {$2000.00} for my debt..I did not contact RPM because it was in dispute.. The XXXX Georgia BBB settled {$880.00} on this account because I was charged anyway after I was cancelled..I did not pay the {$2000.00} because I did not know the correct amount or whether the {$880.00} was ever deducted. 

RPM, LLC. XXXX XXXX. XXXX XXXX, XXXX, WA XXXX XXXX Office Hours M-F XXXX ; XXXX XXXX to XXXX XXXX Pacific time Sat - XXXX XXXX to XXXX : XXXX PT 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