milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''

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 04/15/2015 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Auto debt) with Westlake Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Westlake Financial is trying to collect on a debt that was paid off in a sale of the vehicle that I voluntary gave back due to them asking me a lemon. They are reporting this on my credit report and I am just now see it on my credit report four years later. It is pass the Statue of limitations for the State of California. 
The amount they are stating I owe is {$630.00} For 2012. For a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not wish to open a dispute. Every time I bring up these accounts the " go to '' is to open a dispute. I am not disputing the ownership of the accounts the problem is with the credit bureau reporting of these accounts after the legally allowed timeframe. And one account is reporting open but has been closed for over 8 years.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Tornado hit my property on XX/XX/2015 in XXXX XXXX, XXXX . XXXX XXXX insurance was there and took prompt care of everything including remitting the initial check. Mortgage Lien Holder ( Seterus Inc. ) was on the check for the claim. Checks were endorsed and sent to XXXX. XXXX has been drawer out for repairs. M House is finally repaired but Seterus claims the house is XXXX % complete due to lost barns not being rebuilt even though they had XXXX authorize no barns have to be rebuilt. The property has plenty of equity, 'followed the procedure documenting funds to be paid back to us ( homeowner ) months ago. Seterus is using other departments ( XXXX ), so called 3rd party companies ( XXXX XXXX ) to hold up payments so contractor can put a lien on property.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Several utillitiy bills from XXXX and XXXX were on my credit report. I disputed them with the credit bureau and asked them to to furnish proof they belonged to me. Experian did not send me any proof of the invetigation results, but they refused to remove these items. I would like them all removed as I do n't feel they belong to 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 10/19/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing statement

Complaint: XXXX 2015 - I attempted to pay my Macy 's acct online various times prior to my due date, their online system was n't working. I called to make payment over the phone and an associate informed me their payment system was n't working due to maintenance but to make my XX/XX/XXXX payment in XX/XX/XXXX along with XX/XX/XXXX payment and that I could continue to use my credit card and there should n't be a late fee, but if one was assessed they would remove it. 
XXXX 2015 - I received my Macy 's bill that included a late for XXXX. Prior to paying the bill I attempted to call Macy 's about the late fee issue at the phone number in my contacts, the phone numbers on their website, but none of them worked. I even emailed them using their online link, and still have not received a response. So I made a {$70.00} payment that did not cover the late fee since it is a Macy 's error. 
XXXX 2015 - today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX removed the late fees from XX/XX/XXXX & XX/XX/XXXX. However, the minimum due {$79.00} is incorrect as it still includes late fees. XXXX XXXX informed me that I HAVE to pay the incorrect minimum due for XX/XX/XXXX {$79.00} ( which is incorrect due to {$38.00} late fee and {$11.00} portion of the XX/XX/XXXX late fee ). And that if I do not pay the minimum {$79.00} I will be assessed another late fee which Macy 's will not remove. The minimum payment due is incorrect and I am being forced to pay for Macy 's billing error upfront. I was on the telephone for over 1.5 hours when I could have been at work. The associates did not care that Macy 's was at fault and when I asked XXXX XXXX what my minimum payment should be because that 's the amount I want to pay, she wanted to know why I could n't make a {$79.00} payment and what my hardship was because she looked up my payment history and could see that I had made a large payment recently and because of payments like that {$79.00} should n't be an issue now. I do not want this incident to be reported negatively to the credit bureaus. 

Please assist me in getting this matter rectified. 

Regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 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: Old information reappears or never goes away

Complaint: Experian is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by Experian on my accounts that lingered old accounts way past its statute of  limitations. Experian is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with Experian has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to Experian many times but received nothing in return. Experian needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.

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 10/27/2015 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Keep leaving messages that they are going to prosecute a lawsuit for full compensation along with punitive damages. I have not ideal what this is for. I was fighting one with XXXX for a credit card from XX/XX/XXXX that I did n't have nor can they prove I had it other than having my social security number and date of birth. I believe there was some fraud under my name during this time. I can not file a police report because they will not give me proof. No application, signature or purchase transaction. As well, since it was XX/XX/XXXX, ant this is XX/XX/XXXX I believe this is well over the 10 years a collector can collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with Credit Collection Partners, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Number called my cell phone the number was XXXX, they said i had outstanding debt, which i do not, they said i could pay this debt online, i went to XXXX and the first page comes up with a description of what accepting yes means. Problems is before clicking yes, you are given no information on the debt how much of the debt or what type of debt it is. They are asking me to take ownership of debit which is not mine, this is so wrong on so many levels. Check it out. go to the site and put in your full phone number and zip code and i bet you have the same debt as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Debt collection (Medical debt) with Trust Financial LLC (WY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a garnishment notice while I was on Family Medical Leave for XXXX leave. on XXXX/XXXX/XXXX XXXX was garnished from my check. I am a family of XXXX and the only XXXX working, with a XXXX XXXX and just starting back to work from XXXX leave. I called XXXX XXXX XXXX and explained my situation and asked if they could take the garnishment off while I payed them a lower payment. The lady I spoke with told me that the interest is XXXX cents a day. I originally owed the hospital that sent me to collections around XXXX with interest and time it is around XXXX. She told me that the only way I could get the garnishment taken off was to pay them in full. They have since garnished XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I cant pay my other bills due to them garnishing that much money every two weeks. why cant they take smaller payments and why did the original amount I owed the hospital go up so much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Prepaid card (Government benefit payment card) with Xerox State & Local Solutions, Inc. (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Since  XXXX ,  XXXX  I have consistently requested that  XXXX  produce documentation ( proof ), that  XXXX  has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus.  XXXX  has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting A ct 15 USC S 1681i.  It is the law that  XXXX  produce a ( procedure in case of disputed accuracy ). Additionally I request a  Promise to  report payments in writing. As I have researched this issue, I have learned that this is common practice among  XXXX , which in turn  XXXX  continues to fraud mortgage holders after a bankruptcy.  XXXX  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for  XXXX  to  1 ) P roduce documentation Under the Fair Credit   Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loa  n after bankruptcy   XXXX  .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Roughly nine months ago I began seeking a short sale approval on sale of a XXXX family home that I own. Its a XXXX XXXX backed mortgage with Wells Fargo. Wells Fargo dragged out the approval process for about nine months. They would ask for single documents every three weeks instead of asking for everything they needed. The requests were often cryptic to the point that Wells Representative assigned to me did not understand the request by the processor, or in some cases they would request the same document multiple times. Finally 4 weeks ago they send they would do an appraisal, the XXXX one, since the XXXX one was done so long ago. Instead though I received a rejection notice with a reason that makes no sens, and nobody else can or is willing to explain to me. 

I feel they purposefully strung us along during the process. As does my realtor/lawyer in the attempts to get us to pay as much money as possible. I am not in a position where I can default so my only option is short sale. 

The property is under water by XXXX. We have tried to make the property work by renting it but the neighborhood has gone down hill so much it is impossible to keep good tenants or even find them. The property needs repairs but being XXXX underwater it makes no sense to fix anything. We desperately need relief on this property.

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