milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Item appeared on my credit card as a collection from IC Systems with no previous contact or indication from the original creditor. No attempt was made to send a bill from the creditor either.

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 09/22/2015 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Hello, I am hoping you can help me, please. Back in XX/XX/XXXX when I was XXXX, I got my first Credit Card through XXXX XXXX. I barely had any work history so I never thought I 'd get approved, but decided to try anyway. Fast forward through a few years, I tried to make it living on my own and racked up a lot of credit card debt. This card was closed with a balance of somewhere in the mid to high XXXX. 

In XX/XX/XXXX, a judgment was opened against me and they asked me to appear in court ; which I declined due to a snow storm and the long commute, but my father and I spoke with whoever was handling the case at the time and tried to offer a settlement. They were coming after me for over XXXX and we tried to settle for a little over XXXX paid in full, but they declined. 

Since XX/XX/XXXX, I did not have any kind of stable employment, I was a college student and worked on paying off my smaller debts and rebuild my credit. 

Last year, they tried to come after me again by garnishing my wages when I was working for a company called XXXX ; however, their request was declined due to my low hourly wage and part time hours. 

4 months ago, I started working for XXXX XXXX full time, and I am just barely crawling out of the hole I made for myself. After my mortgage ( house is in my boyfriends name only ), bills, car payment, paying our pet sitter, etc ... I barely have {$300.00} left for myself for two weeks for food and gas and to do anything fun for myself on the weekends, and now they are threatening to garnish my wages again by the end of XXXX. If this happens, everything I worked so hard for, all the debt I paid off, the credit I built will be for nothing. 

My job is moving to a new location in XXXX that is XXXX miles from my house, and I am trying to buy a house closer to work, but until then if my wages are garnished I definitely wo n't have enough money to get to work. 

If this debt is not 7 years old yet, it is very close to 7 years old. I will need to obtain my detailed credit report for the exact date since XXXX XXXX is limited. They are coming after me for {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2015 i request services from XXXX and since i, m XXXX to u.s.a they ask me to pay for all the equipment and insulation fees and inform me in the phone that i, m going to have a one year agreement with them, in XX/XX/2015 they raise the price {$8.00} when i ask why they say that the insurance in the devices is done and if i didn, t pay that amount every time i ask for maintenance i have to pay a lot of money and inform me that it, s mentioned in the agreement that i never revived and never signed, so i asked to stop the services, they inform that i have a 1 year agreement that i have to full fill or i, m going to pay the rest of the year that agreement that i never revived and never signed, when i finished the whole year and i wanted to stop the services the informed me that i have 2 years contract i told them no it was 1 year contract and ask them to send me the contract, they send me a none sighed contract marked X in the signature space i informed them that it, s not signed and mark X they told me that if choose to sign as X it, s my choice, i was not at home when they put the service, my wife and son revived the service and buy an extension cord from them for {$31.00} and sign the receipt how come they did not let my wife sign the contract at that time, i think a kind of fraud selling something in the phone and miss guide the customers and make an agreement differently than what the sale was about in the phone and never send a copy to the customers and took their signature and put X as a signature and ask them to full fill an a agreement and put them in collection for that.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attempted to pay off my student loan with Sallie Mae. During this process I used the system to view the current balance/payoff amount of my loan and checked that option on the payment form. I specifically chose this option and not Last Statement Balance since the statement balance may have possibly been not current. After submitting the proper amount for the current balance/payoff amount the institution billed me for additional expenses. There was no disclaimer or information shared with me that they would process any additional charges and since I selected to pay off the loan it, to my knowledge, payed off the full loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2015 about Debt collection (I do not know) with Berman & Rabin, P.A. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Good day, I received a call today that I could not answer from Berman and Rabin PA in Kansas. They then immediately called my father and told him they filed a suit against me - disclosing information to a 3d party.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION 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 02/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: On XX/XX/ I initiated a transfer from my Coinbase vault to my Coinbase wallet. The transfer is still pending I didn't worry too much about it.I had money to spend in my wallet and I have generally been very happy with the services they provide. On XX/XX/XXXX I called their customer service number. The person who answered only took information and was unable to assist me herself. She documented my problem and assured me an 'expert ' would e-mail me back. It has been over two weeks and I not received any response. The amount was XXXX which is probably about {$6000.00} today. 
I'm not real happy. I have since seen a video of someone who had this problem and it was because he didn't confirm the transfer in both emails. 
I only have one e-mail to confirm in my inbox. It is possible that if they sent me two back to back with the same title, that I deleted what I thought was a redundant copy. In either case My money doesn't show in either location. It is in limbo and I feel held hostage as I am getting no assistance in resolving this issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Bankruptcy

Complaint: XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Since Heartland ESCI took over my loan a few months ago, I have seen a sudden and unexplained increase in my regular payments. In addition to the monthly payments I make, I am frequently sent messages informing me that I have an additional {$40.00} that I must pay. What this payment is for has never been explained to me, and I have received no response whatsoever to any of my frequent requests for clarification via the company 's customer service page. Due to my own work schedule and my time zone, I am largely unable to contact the company by phone, and the single instance in which I did manage to call resulted in an hour-long wait time. I continue to make my regular monthly payments ( which again, were inexplicably increased ) and yet I still get hit with this additional ( likewise unexplained ) {$40.00} fees. From my understanding of the XXXX statement 's page ESCI gives me, I am also paying a " convenience fee '' for paying online. On the whole, I feel that I am paying my loans, paying additional fees, and paying for the right to make these payments. And I have yet to receive any explanation or cost-breakdown from the lender, who frankly seem to have no interest. The impression I get from the company is that I 'm a borrower, not a customer, without any right to explanation or common courtesy. At this point, I am so frustrated by Heartland ESCI that I am hoping to pay off my loan in one fell swoop, rather than continue to interact with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Previous case # XXXX is on file. Company mailed me, stating debt is still owed, despite evidence shown that XXXX XXXX is responsible for ANY and ALL debts incurred by XXXX XXXX, on or before XXXX XXXX, 2015. This also hereby serves as an official cease and desist notification to this collection agency, including postal and or electronic mail, telephone communications of any kind, as well as credit reporting. The divorce decree was attached in the previous complaint. Also, 33 calendar days ago, I requested a list of any and all credits and debits of alleged debt. That honor has yet to be fulfilled, and it is beyond the 30 days of request, hereby making this attempted collection null and void, in accordance with the FCRA, and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I have a jount account at Bank of America with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to BOA. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to " recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Bank of America and basically stole money from me to cover fraud that was committed against me and my husband.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Consumer Loan (Vehicle loan) with Consumer Financial Services (FL).
Issue: Managing the loan or lease

Complaint: I co-signed a loan for my daughter for a car. She was responsible for the car although my name was on it I never drove it once. I found out they are threatening to repossess it and i called Consumer Financial Services. I asked them to work out a payment plan of XXXX every 2 weeks starting XX/XX/XXXX and they refused saying my daughter had broken many promises to them. I was offering to pay this myself though! I have never made a payment with them and I think they should give me a chance. 
Then he went on to say that he would garnish my wages. I live paycheck to paycheck and can not afford this. 
All i want is a chance to get caught up between me and the company, not my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Debt collection (Medical debt) with Southwest Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

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

Complaint: My personal information is among that which was stolen. Equifax should be SEVERELY penalized after they exposed XXXX XXXX people to identity theft through gross negligence. Also, those executives ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, who all elected to sell a significant amount of their shares outside of XXXX scheduled trading plans just days after the breach, need to be investigated for insider trading and face prison time, not to mention delaying informing the victims for months in order for employees to cash out stock options.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: hardship, lost job applied for unemployment forbearance program, trial for 1 year, applied for permanent, denied XXXX, not enough income, making more then before.Said they could keep payments like in forbearance, half of my payment. ( XXXX. ) Paid XXXX in trial.Now want to do a short sale or deed in lieu.This is a scam, NO One has gotten these programs to help keep homes. Cause, I should have been approved to keep my home, never late, until hardship, never late on trial.Asked for information on how many people have ever gotten a modification. None. They offer to help, you go in program and then take your house.I want something done. This is fraud, they offer a service and do not follow though with it. False hope for home owners.Its a scam. No one gets programs.I have asked for information.Nothing, no one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX under my name XXXX XXXX and there should be nothing under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Payday loan) with ALTERNATIVE DISPUTE RESOLUTIONS (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Threatened to serve papers at my residence or at work. They would not answer any of my questions that I asked. Name of company was Alternitive Dispute resolutions XXXX Texas phone number XXXX XXXX XXXX. I had never heard of the payday loan company and after contacting a lawyer he informed me it is a scam and I needed to report them to you.

Company response to consumer: Untimely response
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian, XXXX and XXXX did not fix an error on my credit report. The contract was canceled by the company.

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