milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Debt collection (Private student loan debt) with Blitt and Gaines, P.C. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Student loan (Federal student loan servicing) with ACS Education Services (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage provider made an error and reported me late for over 30 days. I initiated a dispute with Equifax and the mortgage provider sent them a letter to remove the information over three months ago. Equifax has not removed the information. I have called and written letters and provided them with the letter stating the incorrect info should be removed. The other two bureaus took it off immediately. Every time I attempt to contact them they pass the ball to another department, this erroneous information being on my report is negatively affecting my FICO score. What can you do when its the credit reporting agency making a mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I pulled my credit report, I noticed two companies are reporting debt and they are not licensed collect debt in my state, per the West Virginia State Tax Department.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (Payday loan debt) with JTM Capital Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the 30days grace to acknowledge or dispute the debt. 
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the  call with them, dated XXXX XXXX specifying I have 30days to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and 30days response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had open an account at Santander in regards for a line of credits for my small business, that I was advise from a lady name 's XXXX that work for Santander branch in XXXX ma. Following that my had set up a contract with paycheck for HR services that was paid to my XXXX XXXX XXXX for some reason service never being done and paycheck had been using the money that I had open the account on XX/XX/2017 which I had never received no invoice from them, and I found out that through another bank that I was trying to open a business account for credit line they told me that I can not open it because I had a red flag on my name. I hat went to Santander branch in XXXX ma which they give a number to call, when I call that number they asked me to pay them {$200.00} for them to help me. I find that unfair and I am asking for your help please.

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 12-08-2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My account was closed because the company never applied to the payment I made months ago ... XXXX My limit was only XXXX and this payment was made back in XXXX ... ... ... then they send me out a letter and the account was already closed before the letter arrived to me ....

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to state that Equifax is reporting a lot of duplicate account from XXXX XXXX XXXX XXXX to my account. XXXX XXXX confirmed this as a fact on my previous dispute against their company. Equifax has refused to delete all the duplicate account of XXXX XXXX accounts. I hereby authorized Equifax LLC to release validation of their proof on reporting inaccuracy to my credit profile to the Consumer Protection Bureau immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Federal student loan debt) with American Student Assistance (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The case subject : I was charged with a Student Loan without a valid Legal Document as a proof.The charge was made through a series of very intimidating home phone calls.The year : around XX/XX/XXXX. After my Graduation from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( the year XX/XX/XXXX ) I paid two left Student Loans with monthly payments up to XXXX .After this date I was free of debt to XXXX XXXX XXXX XXXX or other Financial Institution. During all the school years my fees and tuition were paid through Grants and Awards Letters received every Semester.As I mentioned above the sudden and unexpected phone calls started around the year XX/XX/XXXX from people from American Student Assistance implying I have a Loan to pay, a Loan I knew nothing about it. What fallowed was a series of disputed and very frustrating phone calls and incriminated letters which went on for years. As a result in the year XX/XX/XXXX my family Federal Income Tax Return started to be collected by XXXX XXXX, a Collection Agency and they keep collecting our Tax Return every year up to present time. Some time ago I was sending a written Complaint to Consumer Financial Protection Bureau explaining my case with more details. The Complaint number is:XXXX and the date submitted to CFPB : XX/XX/XXXX XXXX Product : 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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, XXXX / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, XXXX must delete this information from my report and send me an updated copy when this correction is completed, XXXX must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & XXXX with the BBB. This also being reported to Experian in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Your case ID is : XXXX. 
My account was limited for system detected unusual activities.I have {$470.00} Available in my account. Please release my money for withdrawal.Item has already been shipped and tracking provided. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Have disputed MULTIPLE times. Submitted court documentation of lawsuit dismissal. Still is n't being removed from equifax. XXXX removed it without issue. Was told by equifax on phone debt was verified. I asked to see a copy of the paperwork with my signature confirming debt. They told me they did n't get that. I asked how they confirmed the debt, without it since the courts dismissed it due to failure to provide proof of debt. The woman on the phone responded " it is going to be removed at the end of the year anyway, what does it matter ''. 
I have been denied credit due to this, and have a high APR on a loan due to this being on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Other

Complaint: USAA did not follow procedures when they processed and disbursed convenience checks on a credit card individual account I had where my ex-wife forged my signature and took money from there causing a balance. For the past year I have been in contact with USAA calling and going to the branch.I started the process to buy a house with my now wife and realized they credit account still showed a balance. I went several times to USAA since.I requested the convenience checks that showed my ex-wife handwriting. She NEVER had a power of attorney or authorization to use that account. My ex-wife was hiding all this even from the court during the divorce and custody and diverted the correspondence so I did not find out about this. This person committed tax evasion as well and I have proof of that plus other things she did where she forged my signature and used my social security without authorization. I informed USAA of the issue and suddenly in XXXX I receive a cancelation of debt ( form XXXX ) from USAA stating that shows the balanced owed as canceled. They are still reporting to the credit bureaus a balance on the account.I went with my now wife to USAA and was connected with their call center to request a letter that states the balance is cero in the account due to the cancelation of debt. The representative stated that they indeed sent a cancelation of debt but technically I still owe the money. I told them there is no way I can still owe something they have written off for the fraud they allowed when my ex-wife forged my signature and in their notes is like that. They are trying to claim a lost and also keep me in their books like I still owe what they have canceled. I believe that is also fraud!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with America's Mortgage Lender, L.L.C. (NJ).
Issue: Application, originator, mortgage broker

Complaint: We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a new phone number for about one year. This Hunter Warfirld collection company is looking for someone else, not me. They call 3-4 times per day, always a different phone number leaving multiple messages. No one ekso can leave a message, they fill my box.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: While XXXX, Georgia in XX/XX/XXXX I purchased a vehicle ( XXXX Dodge Charger ) from XXXX XXXX on XX/XX/XXXX. At that time my Credit Score was a XXXX ( See attachment ) and my APR was set at 5.29 % ( See attachment ). The Lien was with Fifth Third Bank ( See attachment ). On XX/XX/XXXX, online I notice a article stating Fifth Third Bank from " XX/XX/XXXX to XX/XX/XXXX charged XXXX and XXXX customers more interest on auto loans. Georgia was XXXX of the XXXX targeted location. In the military we 're already targeted by companies and now I would like to know if i 've been targeted by Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Using a debit or ATM card

Complaint: Hi - my family has XXXX prepaid debit cards issued by Citi Prepaid. They were misplaced and we recently found them again. They have never been used, but the expiry date on the cards is 2012. 
I have emailed and called Citi, but they tell me that I can not access the funds ( each card has {$99.00} on it ). They tell me that they " ended the program '' and I can not have new cards issued or the funds released. 
From reading your website it seems that they should agree to reissue the cards. Please help me understand what is going on here and why they are keeping our money.

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