milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Consumer Loan (Installment loan) with Affiliated Acceptance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I had signed up for a fitness training membership with XXXX XXXX XXXX ( financed through Affiliated Acceptance Corporation ) inside the XXXX in XXXX, TX. At this time, I was told that this is a 12 month agreement with XXXX sessions a week and each session {$29.00}. I was told I would have measurements taken every month, that I would have a log in account to have access to my information, and that I would be given work outs to complete on days I was not with my trainer. I agreed to this and was connected with a trainer named XXXX. I texted XXXX and set up my first appointment. I showed up for the appointment to meet my trainer, but was told he was not there that day. I received no text or notification from him that day or for the weeks following saying why he could n't make it or that he wanted to reschedule. I even texted and called him multiple times to figure everything out. I finally received a text from him 2 months later, after I had gotten a new trainer, asking if I wanted to work out with him. This is horrible customer service, and I should have cancelled my membership at that point. 
Instead, I requested a new trainer. I thoroughly enjoyed my membership with my trainer. However the agreement I was promised, was not satisfied. I was never given work outs to do on days I was not with my trainer, monthly measurements were not taken, and I was never given a log in to view my account information. 
A few months later I was notified that my account was past due 3 months of membership fees. I had never received any type of notification either via email or mail. At that time, I had thought the fees were being taken out each month and I did n't have enough money to catch up and bring the account up-to-date. I requested my account to be paused while I saved up the money, but was told they could only hold the account for medical reasons. As I began saving money and receiving my IRS refund, I had attempted to contact them to update my account. I submitted a contact request on their website and attempted to email them. Each time I try to email them to the email ( XXXXXXXXXXXX ) on their website, I get a " Delivery has failed to this recipient or group : XXXXXXXXXXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: I have an account with Key Bank and have been disputing a recurring charge with them from XXXX XXXX XXXX for months ( I initially went through XXXX XXXX XXXX but after 3 months of the charge still recurring I began disputing it with Key Bank. I know it is only XXXX but I 've been being charged this fee for I think over 2 years now and can not get it to stop. I tried calling Key again today but after promising a wait time of less than 3 minutes and being on hold for over 10 with no updated wait time expectations, I could n't wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am unsure if this is the right department to be contacting, but after applying for a job, I received a copy of a background report from Transunion stating that I have a felony on my record. XXXX. This is not me!! The report stated that I have a right to dispute inaccurate information and offered a generic link to consumerfinance.gov. So, here I am. Please help!! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Medical) with ERNST, ARTMANN AND ASSOCIATES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We are filing a complaint against Chase. We have been misled and given a complete runaround for the past 12 months. Chase has not processed the claim with any integrity or professionalism. We have provided the same documents over and over, only to have the bank reassign it to numerous representatives that are not current on the application status. It 's a basic stall and delay technique to not provide help or modification options. 
Our first mortgage was modified and we are current with payments. Our family needs the 2nd loan modified so we can continue paying our loans and stay in our home. The line of credit ( 2nd ) Chase begged us to take, was set up as interest only payments for 10 years and after that period would revert to principal and interest. Our payment went from {$560.00} per month to {$1600.00} with an interest rate today of 2.74 %. This rate will keep rising as interest rates go higher. We are appealing to you for help as Chase seems to be unwilling to do anything on our behalf. Like most people in our country, our economic situation has deteriorated in the past few years. We are begging Chase to cap this line and make payments affordable in order for us to make our payments and stay in the home we love. 
The option for " short- sale '' is unacceptable. What sense does that make? Chase is willing to sell the house at a loss, but will not help us stay in our home by qualifying us for a " Chase Modification with Possible Principal Forgiveness. We have been Chase costumers for a very long time and would hope that Chase whom was responsible in soliciting and approving the " value '' of the 2nd mortgage would have some responsibility in helping us restructure the loan. The 2nd loan was used to construct an addition to the home. We did not use it as a piggy bank for vacations. The property value has dropped by XXXX of what is owed and now we find ourselves in a very difficult situation. 

This has been a drawn out process. We have received countless letters from Chase with offers to " help '', but it appears that Chase is committed to " NOT HELPING '' home owners stay in their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Federal student loan) with Allied Interstate LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with RSI Enterprises, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been requesting cancellation of PMI on my mortgage since XXXX. They have documented that my LTV ration was below 80 % and written request was made on XXXX XXXX, XXXX. The lender required me to get a BPO through their vendor at my own expense. The home has appreciated in value by over 30 % since purchase, which was confirmed on the BPO. This was sent with another written request in XXXX XXXX. The PMI is still being charged on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A Collection Agency ( XXXX XXXX XXXX ) is reporting a fraudulent collection account on my Equifax , XXXX, and XXXX credit reports.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In regards to the Equifax data breach XXXX/XXXX/XXXX my personal information has been compromised including personal identifiable informant such as SS # and date of birth This places me at great financial risk going forward from this date XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I had a " locksmith '' come out to a hotel I was at to make a new keyfob as mine had been damaged. The locksmith quoted me {$280.00} written on a work order form. Although it seemed a little high I signed it anyway as they took a long time to arrive and I was late for a meeting. I then found my credit card was charged {$780.00}, not {$280.00}. I looked at the work order and they had written in additional items and changed the 2 to a 7, after I had signed and authorized the work. Attempts to contact the number on the work order went to a dead line. After further research I found out it was a fraudulent locksmith service that utilizes search engine techniques to direct searches for a local locksmith to a fake website that appears local, but the call goes to a central dispatch and an unlicensed locksmith performs the work at an enormous price. I filed a complaint with our state government and they confirmed it is a fraudulent service and sent the issue to the state attorney general for potential prosecution. I disputed the credit card charge and provided this information but they found in the merchant 's favor because there is a receipt with my signature on it.

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 05/27/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    XXXX   XXXX     XXXX     XXXX   XXXX     XXXX     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 explanation
Consumer complaint received 04/17/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a hard inquiry for a XXXX credit account. I 've never had one or applied for one.  Please check this out for me, so this can be removed from credit report. 
Thank You 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 explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Account opening, closing, or management

Complaint: USAA has reported me to XXXX and XXXX for fraud. It is prohibiting me from getting a bank account and they refuse to lift it even after I clearly explained to them the error I made in processing an online transfer. They are costing me business with banks and I would like the negative reporting removed.

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 11/20/2017 about Debt collection (I do not know) with Radius Global Solutions LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.

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 10/30/2017 about Debt collection (I do not know) with NELSON AND KENNARD (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A couple of days after I turned XXXX, I opened my very first bank account in XXXX XXXX XXXX. A week later, I received a notice of levy from my bank that I owe to the XXXX Sheriff 's Department a total of {$7400.00}. I did n't know what that is. I contacted the XXXX Sheriff 's  Department and they said that the Law Offices of Nelson and Kennard have filed a lawsuit against you and put that levy against your account so you need to contact them to know why they put that much money against you. I called that law firm and turns out that they 're a debt collector looking for another person under my social security number. THEY HAVE MY SOCIAL SECURITY NUMBER! I do n't understand. I never had a credit card nor ever had any debts or loans upon me. So there is definitely some sort of fraud going on and my identity is in danger right now!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I have not been able to access the funds on my rushcard for about a week. I also receive a direct deposit every other week and that deposit has not posted this week it was supposed to post today XX/XX/2015. I have tried to contact the rushcard customer service on a daily basis only to be lied to and hung up on I am asking for answer please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I had a mortgage with XXXX. After Hurricane Irma, I contacted XXXX who offered a forbearance. They offered 3 options. One of the options offered was to have three months payments moved to the end of my loan without penalty. this is the option I chose. This was all done on the telephone. I did not make my next payment thinking that it would be moved to the end of my loan.
Within a couple of weeks, XXXX sold my mortgage to SLS ( Specialized Loan Servicing LLC ). When I contacted SLS, they advised that at the end of the forbearance a balloon payment for any payments missed would be due. They advised that moving the payments to the end of the loan was not an option. I asked if SLS was going to honor the offer from XXXX. they advised that they did not have anything from XXXX saying that they were allowing payments to be moved to the end of the loan. I contacted XXXX ( XXXX @ XXXX, XXXX  XXXX ). XXXX advised that moving the payments to the end of the loan was, in fact an option they offered and SLS would be required to honor the offer. I have now missed a second mortgage payment and SLS is saying that they are waiting on XXXX to advise if they were going to honor that option. I was told by SLS that they have received several complaints from customers that were with XXXX and are now with SLS over this same issue.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with XXXX XXXX that was opened in XXXX. This was brought up because they pulled my Experian Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.

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