milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2017 about Debt collection (Medical) with FMA Alliance, Ltd. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I have moved into a new apartment on XXXX/XXXX/15. On XXXX/XXXX/15 I decided to purchase my furniture from Walmart due to the fact that they were offering a promotion in which the interest on my Walmart Credit Card offered by Synchrony Bank would be deferred for 24 months. I learned that my local store did not have much of the furniture I needed in stock and the promotion was in-store only. I called the number on the back of my card and after speaking to the representative they agreed to make an exception in which they would honor the promotion for an online purchase. On XXXX/XXXX/15 I made XXXX purchases XXXX in-store for about {$300.00} and XXXX online for {$900.00}. I applied the promotion to both purchases and was assured it would work by a Synchrony bank representative. As time passed the {$900.00} was never applied to my card statement. ( Synchrony bank incorrectly marked it as a fraudulent purchase at first, without contacting me, and then removed it from my purchase profile, and locked down my account ) Walmart did not decide to charge me the {$900.00} until XXXX/XXXX/15 almost 2 months after the initial purchase. Since the charge had been removed, and this appeared as a new charge, I disputed the transaction thinking it was fraud, then after speaking to Walmart again begun paying off my balance. ( Walmart had no idea why the balance was never applied in XX/XX/XXXX ). It is now XXXX/XXXX/15 and I noticed that my Walmart credit card was accumulating interest charges. I called the account service again inquiring about why my promotion was not being honored. I spent 35min on the phone and was transferred to XXXX different supervisors. XXXX of the supervisors, XXXX looked into my case and concluded that my interest was charged due to the previous dispute that Walmart never closed for me. ( which was the {$900.00} charge I mentioned earlier ) I became irritated and asked for her to apply the promotion after she told me they currently are running no online promotion. After more time passed she finally agreed to re-do the promo however she dd not refund any of the interest that was wrongfully applied to my balance nor could she send me a confirmation email that my problem was being taken care of ( which is illegal as it violated the terms of the credit agreement that I created when I first opened the card ). All she gave me was her login ID saying that it should be enough of proof that my problem will be resolved. She said the promo wo n't be applied for a billing cycle or two during which I might still accumulate interest. I believe that Walmart has been applying wrongful charges to my account for this period of time and I seek immediate resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been cleaning up my credit report. XXXX and XXXX both investigated and removed everything I sent. Equifax on the other hand is a diff story I have disputed several things one was a judgement that was basically illegally filed because they knowingly sent it to an old address and we did n't know anything about it until I pulled the credit report. I sent in letters to all agencies with documentation showing they filed without us knowing. It was investigated by all agencies XXXX and XXXX deleted it equifax marked it as satisified ( which is incorrect ). 2nd I sent a letter to a collection agency requesting proof that a debt was ours for comcast because we believe it is for the equipment that we turned in. Its been 45 days they have n't responded to the letter, I disputed it with all agencies it was removed from XXXX and XXXX. Equifax has n't removed it. 3rd sent out another letter to a collection agency for harris and harris requesting they validate the debt show proof it was ours. They never responded its been 3 months nothing. Field a dispute with XXXX and XXXX it was investigated and removed. Equifax did n't remove it. XXXX. XXXX paid tax leins we did n't know we had until I pulled the report they were paid in 2014 XXXX removed them. XXXX and equifax have not I filed for an expungment from the state and that has n't gone through yet but I did send letters and proof it was filed to both agencies. I 'm trying to get this cleared up to purchase a home and its becoming incredibly difficult. I do n't understand how one agency can verify something as incorrect or not ours and removes it and another agency finds something totally different.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I been paying a lot of money on my student loans for about 3 years, about 600 dollars and I have n't even been able to get a job for the specialty that I graduate from. I have to get two jobs to get by with my personal expenses and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company sent me a letter telling me they would pass a judgement on me if I did not respond to the letter within 7 days. 

However, the letter was dated XX/XX/XXXX, but it was n't postmarked until XX/XX/XXXX. I did not receive until XX/XX/XXXX ( I was not around to check my mail on Sunday. 

They have only cashed one of the checks I have sent them, and they tell me they are not received ( The first three were sent to the firm 's principal office in XXXX, but they should have made it to the correct place eventually XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). The last check I sent them was for {$150.00}. It was mailed XXXX XXXX from XXXX, XXXX, where I was traveling at the time. The check number was # XXXX. It was mailed to LGBS, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I wish I could send checks certified, but it is prohibitive for me to get to the post office during working hours. 

I was not made aware of this debt until the debt collector contacted me, then they called me on my work phone twice after I asked them to just call me on my cell phone. 

Photos of the letter and the postmark are attached. The rerouting sticker covers up the original postmark, but it is generally the same day or one day later. However I have shared my new address with them so there was no reason for the letter to be rerouted in the first place. I believe this was just another delaying tactic. 

I have also attached screenshots of my bank website showing that I have made another payment today, and another one is scheduled in XXXX weeks. When they either call or write to say the payment is n't received, I will submit a new complaint with either a recording of the phone call or the letter and also take it the both the XXXX and XXXX Attorney Generals office. I regret that I did n't collect the evidence sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX credit card account that was opened on XX/XX/2017 was lost/stolen. The balance of {$2500.00} is all fraudulent charges/transactions, and do n't belong to me. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017.

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 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX  My husband consolidated our student loans who were w ith   XXXX   XXXX    now sold to Navient.. At the time we secured the loans we were charged 9 % interest. So on  XXXX / XXXX / XXXX  we began paying extra on our loan to apply to the principle since it was taking so long to pay off. in  XXXX  of  XXXX  I found that none of your extra payment were applied to principle. When I inquired I was told that if there was still interest due nothing would be applied toward interest until interest was pay off. In addition since we were about to retire we looked into the public service forgiveness program. We both worked in the fields required for this program. My husband fo r the City o f  XXXX   XXXX  and I worked as a  XXXX   XXXX . We filed the necessary paper work had it approved by our employers and submitted it to Navient. in  XXXX   XXXX  we both received letters fro m Navient stating that we did not qualify for the forgiveness program with no explanation why. I then called Navient and was told that Stafford loans did not qualify for the program. We have paid on this consolidated loan for many years and am convinced we have repaid the actual amount many times over.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: I reported an error committed to my account by western union on XXXX XXXX, 2017. I have reported this to Georgia Department of Bank and Finance as well as the Federal Protection Department. They suggested I report to your department as well. It has been 8 days with no response from your company except for refunding my account XXXX. I have called and I have emailed with no response from your company I need help, I started a money transfer with western union. How ever I received an error message. That said it was not completed and to try again later. So I did try again later and it went thru. Western union how ever sent the money out of my account 2 times causing my account to go negative. I have been told by 8 different people that I am not going to get my money back because the bill payer is not releasing the funds. However Western union is responsible for their system sending it in the first place. Case number XXXX in the amount of {$200.00} please read the email below. I am getting the run around and I do n't have funds to cover all the cost. One supervisor told me that yes it was an error of western union and regardless of bill payer not releasing the funds that I would get my money back in my account before XXXX XXXX, 2017. They are giving me a run around that I am responsible for the transaction that their system gave error message. I have contacted western union 11 times and no one has told me a thing. XXXX XXXX, 2017 the money is not at XXXX XXXX either. XXXX has not received the money and neither have I

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Page 2 of the " inventory and condition form is cut off, looks suspicious for fraudulent activity. I 'm requesting for the original documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (PA).
Issue: Trouble during payment process

Complaint: I received a letter to modify my home as well as a phone call from Citi Bank saying if you wired XXXX To Citi Bank today we will give you back your homes. Please understand I was locked out of my house for many years at this point. I was happy. I thought I finally I got through to someone to help me get me back in my home. OWNED 27 years Then on my apartment shares I owned for 32 Years. I paid my maintenance every month on time. One day I got a check in the mail for the amount of two months of my maintenance back in the mail. So I called the management company asking what is going on with my apartment and Shares that I own? They explained I did n't pay my maintenance. I then said if I did n't pay my maintenance. How are you sending me a refund? I then went to housing court AFTER they illegally sold my home as well as my apartment SHARES and was told this is all illegal. They also asked why Citi Bank did not help because they had an interest in both the home as well as the apartment building and shares. I tried to contact Citi Bank so many times and they said they will HELP ME. Well guess what? They never helped. Not to add this but I 'm very sick, and sometimes to proud to ask for help. But I have been begging Citi Bank to help me, and they never returned my calls. Both these properties I bought by myself. I worked 2 jobs after my family robbed money from me. I said I will never be in the street again. My Mom and Dad are gone at an early age. I had nothing but my property to always have a roof over my head. I always paid my bills on time. I 'm in shock that such a wonderful bank would not help me find Justice.

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 08/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Taking out the loan or lease

Complaint: I thought I bought my van for XXXX plus XXXX percent for the loan ... so about XXXX. My goal was low payments I could afford so the dealer told me that if I paid a big chunk like when I got my tax return my payments would be lower. I even called Capitol One Auto Finance to confirm that. N they said the same thing. But, when I got my tax return and asked how much my payments would be if I paid a certain amount ... but, then they said they would stay the same. I was like ... but, that 's not what you guys and the dealer said a few months ago. N Cap. One was telling me that whatever representative I spoke to told me wrong. So I am stuck in these high payment amounts I really ca n't afford along with the high full coverage insurance and I have n't been able to refinance. ON TOP OF THAT I found out Cap. One actually charged me XXXX for the van when it was n't even worth the XXXX I thought I was buying it for! N I will make payment but the pay off will just stay the same OR GO BACK UP another XXXX! How can a company get away with charging more than twice what a vehicle is worth when ... if we get into an accident and total a car the insurance companies will only give us the cars blue book value or nada or whatever value. That is another complaint I have ... .I pay SO much for full coverage insurance. Over XXXX. Yet when I hit a deer years ago with my other van XXXX would only give me XXXX for a van I paid XXXX for. N now a XXXX driver ran into and did n't stop and I am being treated like a liar by XXXX ... I paid them for insurance not to make the heads of their company richer, but they sure are tight with their money when it is time to help ... or really just give us some of the money we paid them. It would be better to make special personal auto savings accounts because insurance companies take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " XXXX XXXX XXXX '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from XXXX started

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 12/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

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