milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a letter telling me that interest in the amount of {$290.00} had accumulated on my account while my IDR plan was being recalculated. When I went to pay it online the amount was {$280.00} which I paid online. I have direct debit and it showed a withdrawal of {$280.00} which is my usual payment coming out on  XXXX / XXXX /  XXXX  . Then it shows a direct debit of {$270.00} AND {$550.00} coming out on  XXXX / XXXX /  XXXX  . I called today, spoke to  XXXX . First he told me I must have mixed up the amounts. I went over how I had a letter saying  one  amount and online it shows a different amount for outstanding interest which I paid. Asked why the direct debit on  XXXX  never came out. First he told me it was a weekend which should n't matter since it 's just direct debit. Then he told me I still have to recertify for an IDR plan. I said I have approval letter in my hand. Finally he determined that they applied the payment toward NOT the interest that had built up but toward the {$550.00} due for  XXXX  so the {$270.00} is what I still owe. This is not what I indicated I wanted paid. When I called earlier to ask how to pay this online I was told anything I pay automatically goes toward interest first. This was apparently not the case and impossible to see clearly on t he Fedloans  website and the person I spoke to in the call center clearly did not know what we happening and did not really seem to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks

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 06/21/2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: debt was reported to  XXXX , no prior knowledge of debt.    AMSHER COLL R eported on  XXXX   XXXX ,  XXXX  {$1700.00} Account Details Last Reported  XXXX   XXXX ,  XXXX  Collection Agenc y AMSHER COLL Origi nal Creditor  XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1100.00} Remarks Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I made payments to XXXX XXXX XXXX for over a year to which they never reported. I have contacted them this many times over the last two years. They said there was an issue with my name and that it was coming up twice. They initially asked for a copy of my drivers license and social security card which I provided. They then began asking for marriage certificates and divorce decrees but when asked which ones proceeded to instruct me to call the credit bureau as they could n't help me. I made my payments on time or early and sometimes made over payments.and want this to reflect on my credit as it caused me to have a higher APR on my new car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: Submitted a complaint several weeks ago and the complaint was closed WITHOUT Wells Fargo addressing the reasons for which the complaint was filed. 
( 1 ) My home was scheduled for foreclosure on XXXX/XXXX/XXXX. Which was six months after my wife passed away on XXXX/XXXX/XXXX. WHY? 
( 2 ) I was denied an opportunity for a modification on a home that I was paying XXXX a month for the mortgage and I currently rent for XXXX after I was force to move. WHY WAS THE MODIFICATION LOAN DENIED? 
Wells Fargo refused the payments that I tried to make in the interim, they referred me to their council. 
( 3 ) Wells Fargo refused a short sale saying I was already too far behind in payments and that is because they refused payments!
( 4 ) My home of 20yrs was sold by Wells Fargo without My being informed in anyway and is currently on the Market as a rental Property valued at XXXX and a monthly XXXX which is 2x my mortgage. It was For this Profit, they took away my home.

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 04-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE CREDIT ITEMS ON MY CREDIT THAT EQUIFAX REFUSES TO PRODUCE ORIGINAL DOCUMENTS THAT PUTS ME WITH THIS LOAN OR CREDIT ITEM THIS ITEM IS NOT MINE, THE CREDIT REPORTING AGENCY EQUIFAX HAS BEEN NOTIFIED NUMEROUS TIME AND REFUSES TO REMOVE ITEM FROM CREDIT FILE THEY JUST TELL ME THEY INVESTIGATED AND NO CHANGE, I REQUESTED FROM THEM THE ACCUAL PAPERWORK THAT IS SIGNED TO THE CREDIT ITEM ON MY LOAN AND THEY HAVE REFUSED MY REQUEST NUMEROUS TIMES I WILL CONTINUE TO FILE COMPLAINTS UNTIL THESE ITEMS ARE REMOVED, THE ITEMS ARE XXXX XXXX THAT NOW HAS GONE INTO CHARGEOFF STATUS KEY DEROGOTORY BECAUSE I DONT GET A BILL BC ITS NOT MINE SOMEONE TOOK OUT A {$20000.00} LOAN IN MY NAME AND IAM NOT GETTING ANY PAPERWORK ON IT AND EQUIFAX REFUSES TO SEND ME ANY BC IT DONT EXISTS WITH MY NAME ON IT, AND EQUIFAX KNOWS IT ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, XXXX ACCOUNT # XXXX amount XXXX date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XXXX XXXX, XXXX to Experian National Consumer Assistance via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXX, Experian tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

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 09/16/2016 about Debt collection (I do not know) with ALLY FINANCIAL INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. 

On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. 

I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. 

The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. 

XXXX noted that he saw my locations in his database were XXXX and XXXX. 

I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. 

In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. 

Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional 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 01-06-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loan purchased or was servicing the loan from the prior company never notified all interested parties as I am on the note and deed but not on the Mortgage. I have been trying to save the home as I purchased the properties with a partner which is the primary person on the documents. 
I have received recently information regarding foreclosure which I was never notified of the initial delinquency or intent to foreclose and nothing regarding a lender placed insurance policy placed on the home. I requested copies of original signatures on the documents signed at closing ie Note, Deed etc. To date they mentioned since Im not the initial person on the loan they can not speak to me but they have initiated me in the foreclosure process. I would like to modify these loans as they are upside down the amounts owed currently and the values and underwater. No one from this Mortgage company ( which the original company XXXX ) has contacted me directly via phone other than initiated a foreclosure process.. 
Please look into this company and its current dealings as I am in the dark about the documents requested.

Company response to consumer: Closed
Consumer complaint received 11/23/2016 about Credit reporting () with Stellar Recovery, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid a collection account in full in XX/XX/2014. To this day the account is still showing on my credit reports as a seriously delinquent collection account, which has been a down fall to my credit. I would like this account removed from my credit report so I can be in good standing to future creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was contacted this morning by CBE Group at XXXX local time to collect a debt for XXXX XXXX. I specifically asked XXXX to not call me any further regarding the debt unless we were discussing negotiations regarding its legitimacy. Yet, here we are XXXX with my cell phone ringing to a debt collector. 

XXXX is attempting to collect almost {$1100.00} for XXXX XXXX XXXX XXXX devices that were damaged from day one. I made every feasible attempt possible to resolve the issue and have the devices repaired or replaced, XXXX refused to comply ( their excuse is that Franchise locations do n't have to abide by XXXX XXXX XXXX ). The final attempt to resolve the matter resulted in a store manager rudely telling me that my issue was n't their problem and I could leave. 

So I left, not just the store, but the whole company. Obviously I was n't getting anywhere by talking to them anymore ( and I 'm still not either ). I attempted MULTIPLE times to resolve any outstanding balances with the company, they refuse to negotiate or work with me on the matter and expect me to pay full retail for XXXX broken phones. I offered to come to a fair and reasonable settlement, they wo n't have it. 

Then this morning ( XXXX ) XXXX tells me that regardless if I would have given the phones back or sold them outright, I would have to pay the same amount of money to them ... but I was wrong in selling the phones outright? 

I have informed XXXX/CBE Group that as of this moment that they are to not contact me again unless it is with a fair and reasonable settlement offer and I will gladly be taking this matter up with the necessary parties to have this debt not only settled but never posted to my credit under my Right to Redressal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had attended XXXX and was forced to take out the XXXX loan to attend school. I had to take out a {$22000.00} loan with a 14.9 % interest rate and had to make {$400.00} payments while I attended school. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. I was told by a few of my former classmates that they had received a reduction in their balance. I was curious what the criteria was to receive the reduction?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. 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 11-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I have filed several complaints about AmericanExpress, all dealing with the same issue, cyber fraud on our account. American Expresspaid an unauthorized charge made to our accountand seeks to collect on that, plus there are {$1700.00} in hidden charges American Expressrefuses to explain or justify. Now It took me XXXX just to make a payment on the accountof the charges we actually made, and I was sent toAMEX collections, because they automaticallytake disputes out of the dispute process every sixtydays. They do not want you to pay your bill in full, and they do not want you to collect your earnedrewards. I ca n't even get a copy of the most recentarbitration clause, and I have asked for that as well. 
Please read the attached XXXX letters and pleasereview this file and do something. I can not believewe are the only ones to whom this is happening. 
It feels almost like a predatory company to me atthis point, because all we want to do is pay what weowe and no more, and we are being 'stuck up ' andthey are trying to force us to pay for charges thatare either cyber fraud ( which we proved ) or acharge we never authorized that they decided topay without our permission, and ( in fact ) inwhich we stated in no uncertain terms wewould not pay because the charge ( s ) were notauthorized. They need to come up with proofof what we owe them. We have given them ourproof that we do not owe them. Where is the clout behind the law? I have been trying to get thissolved since XX/XX/XXXX 2013. Come on! Show methe proof! We do pay what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # 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 04-01-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL).
Issue: Money was not available when promised

Complaint: I have a daughter that lives here XXXX but works out of XXXX. I went to MoneyGram Payment System inside of Wal Mart XXXX to send her XXXX dollars which they charged me XXXX dollars to sent so that she could get her car out of the shop. I started this transition with them at XXXX. My daqughter went to Wal XXXX in XXXX XXXX on XXXX XXXX to pick up her money and they would not release it to her she had the reference number and the pin number XXXX made a call they put me on hold I was hung up on XXXX trying to get her the money before the car shop closed explain this to the operator XXXX with no help except getting a lost call w I then went back to Wal Mart to try and get a refund or to get the money push through and they had pit a block on my cash money that I had given them. I called and the Wal Mart employee called we were XXXX on hold until XXXX before we could get any help and then he ask all kind of questions by the time we got everything cleared the body shop was closed so my young daughter has to find a hotel for the night and now she has to find a way back to Wal Mart to try again to get her money and then to get her vehicle. This was the first time I ever used Money Gram and I promise you it is my last. remind you they charged {$54.00} just to go throught all this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with Upstart Holdings, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with Benuck & Rainey, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter dated XXXX informing that Benuck & Rainey had been assigned to collect a debt for XXXX. XXXX provided me with a medical device approximately 1 year earlier XX/XX/XXXX. XXXX 's billing process exhibited negligence and complete incompetence. They not only documented an incorrect service date, but also billed the wrong insurance carrier. I thrice informed them of the their mistakes and re-provided the correct information. Rather than correct their errors and get paid, they began billing me and ultimately assigned the debt to a collector. 

Within the 30-day window following receipt of the collection notice from Benuck and Rainey, specifically XXXX/XXXX/16, I responded by mail. In this letter I explained that XXXX was several times informed of how to correct their insurance billing error so that they 'd receive payment from the carrier. I stated that I dispute the validity of the debt, and also included a formal request that calls not be made to my cell phone number. I work evenings and my cell phone is partially paid for by my employer for work use. Benuck & Rainey has violated my debtor rights by continuing to make contact attempts ( numerous calls ; at least 2 since post-XX/XX/XXXX ) without first providing proof of debt verification, and by continuing to call a documented work number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account that was closed some time ago and it 's still showing on my credit report as being an open account. This was a XXXX managed by XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I would like to have this account removed 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