milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Select Portfolio Service and XXXX XXXX XXXX are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. SPS and XXXX has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. SPS and XXXX was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. XXXX has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ 350XXXX. XXXX attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. XXXX and SPS poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws XXXX and SPS continues to violate is of significance. XXXX appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, XXXX acts as if it above federal law while engaging in interstate commerce for illegal purposes. XXXX and SPS was Ordered to pay actual damages in the amount of XXXX Dollars pursuant to 1692XXXX XXXX. This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. XXXX and SPS must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. XXXX and SPS must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have normal credit reports at XXXX and XXXX but NO credit information at Transunion. I have been denied credit several times when a company checks my credit with Transunion and apparently I have no credit. I have filed a complaint on-line and they sent me a form to be filled out and requested a copy of my social security card and driver 's license. I sent all that to them and they still could not provide a credit report to me ( so ... no resolution or information on why they have no information ). I am a joint holder on numerous credit accounts ( mortgages, etc. ) with my husband, so they must have something on file.

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 07-04-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction problem

Complaint: I attempted to send money to XXXX as I had several times before using the WESTERN UNION ( WU ) Online website. They suspended my use of the website ( XX/XX/XXXX ) without explanation or resolution. I was then forced to use a WU store agent to complete any further transaction. A store transfer ( XX/XX/XXXX ) was also cancelled after using that method several times, again, without reason being given, or any way to resolve the issue, of WHY the cancellation occurred. <P/> I again attempted to use the online site to transfer money internationally on XX/XX/XXXX, WU send me an email that said the transfer had been approved and was available for pick-up, but that too was cancelled on the same day.
<P/>
No one at WU will provide a good, or even ANY reason why they have terminated my use of their services, to a person known to me. I have attempted many time to solicite a reason from WU customer care representatives via the phone, and they cite " regulations ''. What regulations is a total mystery. I can not even get which Federal Reg. is being used to cancel my service requests. I have also emailed XXXX without replay, three times. If they require ID, or any other documentation from me to authorize transfers, they have NOT asked for it, nor have they indicated a method by which to resolve the issue. Oh, they did refund the money I attempted to send. I did not want the money refunded. I was sending it for a personal reason! This is absolutely an atrocious situation. In fact, cancelling my transactions is a violation of my Constitutional Rights, without having the case heard in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.

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 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with Wells Fargo for several years. Every month I pay more than the minimum amount. It always applied the additional payment to principal until this Spring. It then started applying the extra amount to later payments, collecting interest in advance and not applying the additional amount to principal. I have written letters, and now with each payment I tell them in writing to apply the extra payment to principal. They finally corrected their errors last month after several phone calls and letters. This month they did it again, even though I included a letter expressing telling them to apply the extra payment to principal. It is clear to me that several months ago it changed its software to misapply extra principal payments so as to collect more interest and so as to reduce principal more slowly than they should. I have had numerous conversations and written communications. They have even written me and said they have not done anything wrong. See the attached letter. It is obvious that this letter makes no sense. It admits being told how to apply the funds, and that they refused to apply the funds to principal. 
I am very familiar, of course, with the fact that Wells Fargo has been caught cheating with regard to opening accounts. This is just another unethical practice. Since it was a change this Spring, and since I now include a letter with each payment telling them exactly what to do and since they refuse to do it unless I spend a lot of time on the phone with them, I am confident that they are extracting small amounts from millions of people. I am also confident that this type of change in the software had to be approved at the very top. XXXX XXXX has to have approved this behavior. It is one type of intentional misconduct after another with this bank, and I have a large position in its stock.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 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: Information belongs to someone else

Complaint: XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  XXXX   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 01/20/2018 about Student loan (Private student loan) with AES/PHEAA (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I noticed fraudulent charges on my CitiBank credit card account, and called to dispute charges and cancel the account. The dispute was resolved successfully, and they issued me a new card. I paid the credit card balance in full, and within days of receiving the new card, I noticed an additional fraudulent charge in the amount of {$67.00} under the new account number ( I had never used the new card or made any purchases ). The charge was for a ride sharing service in California ; I live in Ohio and have not been to California. I immediately called to report the charge and cancel the account ( XX/XX/XXXX ). They informed me that I would not be held responsible for the additional charge. It is now XX/XX/2016 and the charge remains on my account and I have not received any information from Citibank.

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 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed up for  XXXX   XXXX   XXXX  tv/internet then a week later got a job offer in another city where I now live, so I cancelled the  XXXX   XXXX   XXXX  service within the first month period.  XXXX   XXXX   XXXX  had a 1 month trial where it is free if you cancel in the first month ... Even though they claim its a free trial the terms require a {$50.00} " fee '' for the services in which I was happy to pay because I received service for the month. Not sure why they are claiming I owe {$100.00} or what it 's even for. I returned all my equipment and called them and was told I was all set ... This is a  XXXX  " bully the little guy '' in hopes the little guy pays instead of spending $ in the wasted time refuting the charge.  XXXX  did the same  XXXX  thing to me when I left them due to being overcharged every month .... The  XXXX  debt collection was removed from my credit report a little while back because they have no basis for a judgement, just like  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to select portfolio services Inc... I was told that " nothing '' would change from my old mortgage to my new one... My old one ( XXXX ), allowed me to make online payments at no cost ( I paid extra )... SPS charges me XXXX dollars per online payment... I have the option of setting up automatic payments - but it takes away my options of paying more...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: I deposited {$15000.00} with Citibank for a new checking account. I was registered for a sign up bonus of {$400.00}. The only conditions were that I deposit {$15000.00} in the account within 30 days and that it stayed in the account for 30 days. After that, the account must remain active for 90 days to qualify for the bonus. They accidentally closed my account after I had had the original {$15000.00} deposit in my account for 40 days and are now telling me since I did n't keep my account open for 90 days that I do not qualify for the bonus. They have made no steps to rectify. I received a letter saying " I '' closed the account and therefore do not qualify. But I spoke with multiple associates over several hours and each one them confirmed that this account was closed by Citibank accidentally and they would try to research what happened. But their research came back with the excuse that " I '' closed the account, when they very clearly stated they had made a mistake by closing my account.

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 07/14/2017 about Debt collection (Other debt) with AFNI INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. <P/>No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. <P/>I am disputing the legitimacy of the XXXX/anfi billing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again

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 07/19/2016 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: Received the attached letters from FN regarding a check that they debited checking account for {$800.00} due to the check being only for XXXX I verified with my back ( also attached XXXX file and copy of check that the check clearly paid for {$800.00}. I immediately called FN on XXXX ( appx. XXXX ) to report and dispute, I was told that someone will call me back the next day. No one did! On XXXX appx. XXXX I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for {$800.00}, and even if the check was for {$80.00} I should have been debited on XXXX I explained to both of the reps that I do n't have credit for the {$80.00} if that was in fact true. I personally do n't think either rep understood. As I looked closer to the documents they sent - I realized another account information in included XXXX - no image of check is included only a deposit ticket. Personally I feel that this it could be another deposit or it 's the batch ticket. In any event I do n't think I should be in receipt of it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Obviously, everyone knows what happened to the breach at Equifax. It took almost two months for them to make it public. When I checked their site it said my info may have been affected. Now I find out that several executives sold their stock in the company before reporting the breach. What is wrong with this picture? The company should be shut down for mismanagement and insider trading.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from Chase without my knowledge. Please advise!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my trans union credit report my name and address are wrong and they are accounts and inquiries that are n't mine

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