milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Money transfers (International money transfer) with Intermex Wire Transfer, LLC (NC).
Issue: Money was not available when promised

Complaint: I sent XXXX $ threw Intermex to my mother in XXXX XXXX. In which I was charged XXXX $ for their service. On the XXXX of XXXX I received a text stating that the wire I sent has been collected. I then called my mother to see if she had received the money and informed me that she had not gone to the bank yet to which the wire was sent. I later called intermex and asked what had occurred and they replied that the money had been collected but they had not told me who did. Their website advertises safe secure wire transfers to consumers to love ones. I 've called them every single day to see how they can help me but to no avail they will not give me a straight forward answer and says it 's out of their hands it is now the XXXX of XXXX and no resolution in sight I must file a complaint and hope that I will find some kind of resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX - Received an alert from XXXX via XXXX that Barclay 's Bank  Delaware had requested credit inquiry. 

XX/XX/XXXX - I contacted Barclay 's Bank and informed them this was not me.

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 10/15/2015 about Bank account or service (Checking account) with STATE FARM BANK, FSB (OR).
Issue: Deposits and withdrawals

Complaint: I have a Online checking account with State Farm Bank. They have no " brick and mortar '' facilities. My deposits are done remotely by scanning the check for deposit using a State Farm app. The Bank acknowledges receipt of the deposit immediately, but it is not considered a deposit until I receive an email notification that the check has been " approved and processed ''. My most recent check for deposit in the amount of {$5500.00} was acknowledged by such an email on XXXX/XXXX/2015 at XXXX. My online State Farm check ledger shows a deposit on XXXX and a new account balance reflecting the deposited {$5500.00}. However, according to State Farm policy only {$500.00} of that check was actually posted internally as a credit to my account balance. The following day, XXXX, the bank paid checks from my account as previously requested online and also received a paper check for payment. The Bank states that at the close of the day on XXXX my account was overdrawn by approximately {$550.00}, since {$5000.00} of the deposited check was internally not credited to my account. The overdraw of the account triggered a State Farm credit card overdraft protection transfer of {$600.00} on XXXX. The credit card fee charge for this transfer was {$24.00}. The checking account charge to receive this transfer was {$3.00}. The Bank states that the balance of my deposited check in the amount of {$500.00} was credited to my checking account balance internally the following day, on XXXX. I believe the Bank misrepresented my online ledger account balance and misrepresented holding back internally {$5000.00} of deposited funds when the Bank notified me by email on XXXX that " This message confirms your deposit of {$5500.00} has been approved and processed ''. Therefore the credit card transfer was unnecessary and the charges against my accounts were wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these  bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I  have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up 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 08-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Advertising and marketing

Complaint: American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD 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 non-monetary relief
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection call from ARA, noting that they have attempted to reach me on several occasions to collect on a debt, valued around {$8000.00}. The debt was apparently last held by a payday loan company, known as XXXX. Prior to that, the debt was held as a signature loan with a company ( XXXX XXXX ) that is no longer in business. The debt supposedly originated around 2001 - 16 years ago. The issues with this request are : ( 1 ) I have never taken out a signature or payday loan with the companies noted ( 2 ) I have never received any communications regarding said debt - written or otherwise After doing some extensive research on Asset Recovery Associates, I have found a multitude of complaints across various websites about this company. They purchase extremely old debt and attempt to collect on it. The problem is that the debt is either : ( 1 ) Beyond the statute of limitations ( in NH, it 's 3 years ) ( 2 ) The debt in question is not even tied to the person that they are trying to collect on I am extremely concerned, as it appears that they were able to acquire a copy of my credit report. They noted all of my current creditors, of which I have a very good or excellent standing. They are threatening to take me to court for a debt that I do not owe with a creditor that I have neither done business with. Based on the numerous complaints that i have found online about ARA, this appears to be their method of operation. I find this to be highly illegal, especially with the treatment that they have given me. They are threatening court action, which I know that they will lose ... but not without the potential risk of hurting both my identity and my credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names

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 11/17/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: During mortgage application period with Universal American Mortgage Company ( UAMC ), i constantly instructed my loan officer to lock in my interest rate. he always refused, had an excuse on why he could not lock it. at one point even said he could not lock it because the market was so bad it was shut down. eventually time passed and interest rate rose. 2 weeks from closing or less he eventually locked me in at XXXX i should have been locked in at XXXX a month before that considering my credit score is XXXX additionally original documents showed origination fee of {$6000.00} total. at closing time it was changed to {$4000.00} origination fee and {$2000.00} point to reduce interest rate. i understand the totals did not change but the manipulative, financial engineering was dissatisfying and should be investigated. i was never told i would be paying for points and did not have a reason to pay to reduce points. considering the importance of purchasing the house and time restraints i still signed the documents and closed on the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Commonwealth Financial has an open account of {$770.00} from XXXX XXXX XXXX ( Original Creditor ) which identical to an account XXXX Has recently removed from my credit. Commonwealth Financial also has an account opened for collection XXXX/XXXX/XXXX, however the Original Creditor ( XXXX XXXX ) turned the account over to COMMONWEALTH XX/XX/XXXX. Not to mention the service the doctor is charging me for was never rendered. In his report he list trying 4 failed attempts at XXXX which was beyond his maximum allowed attempts. Resulting in admission to hospital for XXXX directly due to the doctor 's inability to perform. Causing further medical expenses to myself such as extended hospital stay, XXXX due to negligent medical practices. XXXX XXXX is at fault and is represented by XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I attended XXXX university from XXXX until XXXX. I returned home due to having a baby after completing my XXXX year of college. ( loans should not have been repayable until XX/XX/XXXX ) I then attend XXXX University from XXXX until XXXX - I submitted paper work for in school deferment while if was attending XXXX and XXXX XXXX. However now it has come to my attention that I did not received the in school deferment. Again loans should not have been may repayable until XXXX. Also I have also made payments, the best I could, as I was getting numerous collections calls during this time and now it has come to my attention Navient is showing my and my co-signers account as be 3-4 months past due. I would like to get credit for the months I was in school along with our credit reports reflecting no late payments are there should have been none due.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit card () with KEYCORP (WI).
Issue: Billing statement

Complaint: Using an automated form field from a website where I frequently make purchases, I inadvertently charged XXXX purchase to my Key Bank MasterCard. I did not receive any bills or payment due notices from Key Bank regarding the outstanding balance on this card. ( This did n't seem odd, as I do n't normally maintain a balance on this card, so I was n't expecting a bill. ) Key Bank began reporting my account as delinquent, but never successfully contacted me in order to resolve the issue. 

Key records claim that they sent me an email balance statement monthly, but I am not receiving these from them. Even to this day, they have made no effort to resolve the ineffectiveness of their email delivery system. 

Key records claim that the sent me XXXX ( XXXX ) document in the mail to notify me of the issue after my credit was revoked. I did not receive this document. 

The original charge that started this issue was approximately $ XXXX-XXXX. Key Bank has forced me to pay significant late fees in order to stop reporting my account as delinquent. 

I have sent two messages to the Key Bank Credit Inquiry Department explaining the circumstances and requesting that they take some responsibility for the ineffectiveness of their billing system. I have also spent over 4 hours on the telephone with customer service representatives. All of these efforts have been ineffective. Key Bank is taking no responsibility for their involvement in this issue. 

My credit score has dropped from over XXXX to under XXXX due to this issue. 

I am still unable to receive billing communications from Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated from the XXXX XXXX XXXX University XX/XX/XXXX, with a Navient student loan that has accrued in interest while I was both in school full-time and looking for a job one year after graduation. I currently owe about $ XXXX, with payments becoming inconceivable after taking into account my necessary living expenses ( e.g. rent, utilities, food, medical bills ). 

I 've recently contacted the company to explain my situation in hopes of cutting my interest rate from a staggering 11 % to a lower rate and more affordable payments. It took me three days worth of phone calls to finally reach a representative by the name XXXX, who explained that there was a 'special program ' which I could sign up for if I switched to Auto-Pay, and my interest rate would be reduced to 7 % with payments of {$350.00} ( this is quite a difference from their projected {$550.00} loan payments that they were expecting me to pay them ). When she explained lowering my interest rate, I felt temporarily relieved, but my doubts began to resurface when she decisively finished the phone call with a last statement : " I will continue to contact you to ensure this program takes effect after three payments have been made through your account, but I can not guarantee its approval based on your application. '' This is also the same representative who, after receiving an e-mail specifying that I would be able to look into postponing payments due to economic hardship ( e.g. previously stated medical bills ), explained she was n't " sure who sent that e-mail and why it was sent to you ''. I find it highly distrustful that their e-mails and representatives are showing myself and other possible Navient clientele misleading information. ( I still have the e-mail in my logs as proof -- this e-mail is also the reason why I persisted in contacting the company about postponing payments. ) As of XXXX XXXX, XXXX, I 'm expecting written documentation to be sent to me via mail detailing the specifications I reviewed with XXXX over the phone. I also have a phone log, confirmation number and a clean credit history to back myself up in case there are any disputes over this new agreement, or an amount higher than {$350.00} shows up in my bank account. As of XXXX XXXX, XXXX ( my payment due date ), I 've checked my bank account periodically throughout the day, but no payment has shown up as of XXXX. I would have called the company today to verify a payment would be processed, but the phone line is not available on Saturdays. Nonetheless, I 'm still keeping periodical records for both personal and legal accountability. 

Due to the amount of horror stories and illegal activity I 've read about, my qualms with cooperating with this company have not ceased. If a 'missed payment ' shows up on my record and affects my credit score, I will be taking all necessary measures in order to disprove their allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX/HSBC BANK refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Nationstar. The legal description for the property on the loan needs to be corrected. Nationstar refuses to make the correction or give any answer as to why they will not change the legal description. The legal description on the loan is for the property next door to the property that the mortgage is for. I need to know how to have this corrected and Nationstar will not provide that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: A loan modification request was submitted on XXXX/XXXX/2016 to Nationstar mortgage 37 days prior to a sale date ( Hereto attached ). A letter was received from Nationstar on XXXX XXXX, 2016 advising us who the assigned representative was and to contact them if we had further questions regarding the status of the loan assistance ( Hereto attached ). A missing documents letter was never received from Nationstar within 5 days of the submission advising us the package was incomplete. On XXXX/XXXX/2016 Nationstar moved forward with requesting a sale date for XXXX/XXXX/2016 rather than suspending the foreclosure while the borrower was in the loan modification review. Nationstar was aware of the borrower 's legal counsel and spoke to the borrower advising they only received XXXX pages of the package on several occasions during the week of XX/XX/XXXX-XX/XX/XXXX, thereby disregarding our Notice of Representation advising there should be no further communications rather verbal or written with our client due to the borrower 's legal representation. The package was resubmitted on XXXX/XXXX/2016. Nationstar 's disregard for the HAMP and CFPB Directives as well as their disregard for Non-Communications with borrower 's under legal counsel is reflective of their neglect and duty as a servicer.

Company response to consumer: Closed with explanation