milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection listed which is unknown to me, I have disputed this with no validation being received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This Collection Agency keeps sending me and my family members bills that have already paid 2 years ago. I try calling and no live person is ever available to speak with and there website is not active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Other

Complaint: Discover Card XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX : Discover Card Account # Ending in XXXX To whom it may concern : This letter serves to clarify matters regarding the Discover Card account ending in XXXX listed on my credit report. Please note that the Discover Card account of which I am now a joint account holder is reported inaccurately. 
I applied for a Discover card in XX/XX/XXXX and was denied. Later, my former spouse applied and was approved. The account was initially opened by my spouse in XX/XX/XXXX after which I was added as an authorized user. We specifically requested that I be added as an authorized user so that I can be issued a card. We were under the impression that there was no way for me to be on the account as a joint account holder due to the fact that my application was denied. After requesting documents to add me to the account, we spoke with a representative from Discover that explained that although the account may appear on my credit report, I would be added only as an authorized user. 
The account appeared on my Experian credit report on XX/XX/XXXX with me listed as an authorized user and on the same report ; the same account is listed again as a 'joint with XXXX ' account. Later, the account status changed several times. 
The account had been paid on time through monthly drafts from my checking account until XX/XX/XXXX. XX/XX/XXXX, I was unable to process a payment and made contact with Discover to attempt to pay on the account. A Discover representative explained that the account was involved in a bankruptcy and that I could not be provided any details regarding the account. It was then that I learned that my ex-spouse had filed for bankruptcy which included the Discover account reported as a joint account at that time. Because of the nature of the bankruptcy filing, I was not permitted to receive any information on the account ; however, the account still appeared on my credit report as an account in good standing with no payment history. Although I had called several times XX/XX/XXXX to inquire about the account, I was not able to receive information or updates regarding the account. 
XX/XX/XXXX the account appeared as a delinquent account and was reported as being closed in XX/XX/XXXX. I have disputed the information reported on the account with little success. I am requesting that Discover Card investigate the account thoroughly and furnish me with documents that prove that I have authorized Discover Card to add me as a joint account holder instead of an authorized user. I have spoken to a representative who informed me that there is no record in the system of this documentation. If through your investigation, you find that this is the case, I am requesting that you remove me as a responsible party from the account immediately. 
If you have any questions, I can be reached at .... I can also be reached by mail at ... .. Your cooperation would be greatly appreciated. Thank you for your time and prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There has been an open XXXX XXXX account on all my credit reports every month since XXXX 2008 that they ( XXXX XXXX XXXX can never seem to find in their system. I want to close it but they are no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.

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 04/25/2015 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I previously filed a complaint against McCullough Payne and Haan, who obtained a default judgment against me per I was not notified of the court date. I spoke to the clerk of court, who confirmed the hearing information was mailed to an old address. This company has began garnishing my wages, and claimed in my previous complaint that they were waiting for the judge 's decision regarding my motion to dismiss, and that they were closing my complaint in their office. This is not true because I spoke with Judge XXXX XXXX in XXXX County on XXXX XXXX, 2015 who rendered the default judgment, and she informed me that she was unaware that I opposed the judgment until I left a message with her office on XXXX XXXX 2015. I have called the lawfirm and was informed that I would need to speak with XXXX XXXX. I asked her to confirm the account number for the account in question, and she stated that it is XXXX XXXX XXXX XXXX, and that it is for an XXXX credit card. I informed her that this does not match any account that belonged to me, and informed her that I had proof, and faxed it to her. I asked her to call me to confirm receipt. I never heard from her, and she would not return my calls or voice-mail. I escalated the matter to XXXX XXXX, the collection manager, and my calls nor messages have been returned. I faxed my documentation to him as well, which was a copy of my credit report dated XXXX/XXXX/2015, which shows that the account numbers are not the same. My credit report shows a XXXX balance, and the account was closed per this credit card company was shut down by the FTC, and was forced to close all consumer accounts. Furthermore, this lawfirm improperly issued the wage garnishment. They were supposed to send the notification to me within 3 days that they notified my employer, via certified mail, which did not happen.

Company response to consumer: Untimely response
Consumer complaint received 06/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX did a loan modification without all the paperwork and denied myself the XXXX for my service in the military. I am adding information to cfpb case #XXXX. signature on power of attorney is not mine that they have on file. Then XXXX acquired the loan from XXXX instead of fixing the issue the let never investigated it or fixed it then we provided the with a XXXX dollar check nothing was applied to loan the just returned $XXXX stating that is was part of a lawsuit if so then were did the XXXX go for the loan my mother paid. Then the loan was sold to Nationstar mortgage how can they own the loan with out the proper signed documents. My mother already provided the assignment that XXXX provided to us and nationstar mortgage that gave XXXX and XXXX the rights to the loan if that was the case was it never signed, notarized, and filed at the court house to this date that document is not filed there. As well as who signed my initials on the power of attorney that XXXX provided for the loan mod that was done in XX/XX/XXXX why the loan done in XXXX TX, why did XXXX, XXXX trying to hide this information from nationstar mortgage and us. Why is it that XXXX gave us a case number for the investigation that they were going to do when none was done. How can XXXX people that were deceased sign quick claim deeds for a loan mod. And how can they adjust the loan payment to reflect the loan mod if no paperwork was officially signed by all parties. And now why is nationstar wanting a loan mod done on this loan and us to provide info on the loan with XX/XX/XXXX-XX/XX/XXXX tax statements when they didn't take over the servicing right till XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with AmeriFirst Financial Corporation (IL).
Issue: Settlement process and costs

Complaint: We have applied for a rehab purchase loan FHA XXXX FHA CASE # XXXX is the name, AmeriFirst Bank XXXX # XXXX and my loan officer is XXXX XXXX XXXX XXXX # XXXX and his assistant XXXX XXXX XXXX XXXX # XXXX, the loan that we are doing with them has become a night mare the contractor that XXXX and XXXX provided his work does not pass the City of XXXX XXXX XXXX in Illinois the inspector name is XXXX XXXX XXXX, CBO Assistant Director, City of XXXX XXXX. The inspection has not passed 3 times there are safety issue so the work can not continue, the contractor already was paid the 1st time and on the second draw we decided not to allow payment as the work is not completed by code. We have spoken with XXXX and XXXX and they keep stating that the contractor is fine and FHA Consultant so we have called the FHA consultant XXXX XXXX contact # XXXX that is our inspector and XXXX XXXX XXXX another inspector to please check the work that was being completed and both agree it is wrong and needs to be corrected. So when we asked for the bank to have the contractor correct the work he declines and states it is done correct and he went and placed a lien on the title of the home. So know we are asking for the bank to allow us to seek a new contractor and they are giving us a hard time. While this has been going on back and fourth for about 8 months and we are know where closer resolving this matter. I was then referred to a loan officer that was nice enough to explain and direct us to the CFPB to place a complaint and open an investigation as to why you can not obtain another contractor and why the back wants me to only work with this contractor that will not do right by the work he is to be paid to complete. The contractor name is XXXX XXXX contact XXXX, name of company XXXX. We have placed several complaints with the Illinois Department of Financial and Professional Regulation Division of Real Estate on said date XXXX/XXXX/2016 and XXXX/XXXX/2016. We are asking for help as we are living in a unsafe home with our children we have no choice. Please contact me on my cell XXXX XXXX cell XXXX and XXXX XXXX cell XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away.

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 05-02-2016 about Debt collection (Credit card) with FIDELIS RECOVERY MANAGEMENT, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke to XXXX from Fidelis Recovery Management ( XXXX ) XXXX/XXXX/16 XXXX about a past due balance on an old MasterCard we came to a settlement amount of {$510.00} that would be made in 3 payments via debit card I made the first payment over the phone on XXXX/XXXX/16 the following dates we agreed on for the next two payments were XXXX/XXXX/16 and XXXX/XXXX/16 to close the account. On XXXX/XXXX/16 an unauthorized payment went through my account for {$170.00} I called XXXX and requested the funds be returned asap as I had a check for my electric bill that would post to my account anyday she replied that she was going to get fired for running the payment on the wrong date and asked if she could keep the money. I told her losing her job is not my concern as we agreed on the dates of XX/XX/XXXX and XX/XX/XXXX she said she would call her manager and call me back in the afternoon. I did not get a call from her that afternoon. I called the next day she said they are still trying to figure out how to get my money back it is now XXXX/XXXX/16 and I have not heard back from the company or received my funds back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 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: this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached 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 non-monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (OH).
Issue: Credit decision / Underwriting

Complaint: Hello, my name is XXXX. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay {$500.00} for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay {$10000.00} at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (TN).
Issue: Fraud or scam

Complaint: I frequently purchase XXXX gift cards from my local grocer. These cards are issued by US Bank. Recently I had a total of 6 cards that were " compromised '' within a day of me purchasing them. I always examine the packaging, so I know this was not a case of them being tampered with in the store. This has happened to me and others many times, as the sequence is laughably weak on these gift cards. The security measures to prevent people from brute forcing card numbers is nonexistent. All of my cards which were compromised shared 12 out of 16 numbers, in some cases 13 or 14 numbers were shared. 

When these cards are compromised, the process is fairly easy ( I guess because they 're used to dealing with it happening ) to " lock '' the card so no further fraudulent transactions can be made. The process for asking for a replacement card is much more tedious, and can take months to complete. Not only that, when you receive your replacement card, it will have {$6.00} taken off of it as a " fee ''. This is not acceptable in my opinion, and borderline fraudulent. They reap probably millions in fees because they do n't take the necessary precautions against people obtaining and being able to guess their card sequencing. 

For this reason, I have opted to pursue a resolution to my compromised cards through the CFPB rather than reaching out to U.S. bank and waiting for months to receive less than I originally paid for on my cards. I am attaching scans of the cards and receipts where they were purchased by me. Please reach out to me if you have a need for further information. I am expecting a total of {$3000.00} in replacement cards from U.S. Bank and any less is not acceptable. 

It is my hope that with complaints like this, they will see the flaws in their security and having to answer for these flaws will prompt change in their process. 

Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief