milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Cedar Financial has been contacting me during my work hours ( lady by the name of XXXX XXXX ), harassing me that I owe the XXXX money for a driving ticket for driving through a restricted access area in the city of XXXX, some time during XX/XX/XXXX. They stated they mailed the documentation to me to XXXX XXXX XXXX, XXXX, XXXX, in XX/XX/XXXX, but I have not lived there since the end of XX/XX/XXXX. I will provide documentation that I purchased and moved to a new home in XX/XX/XXXX. I have moved XXXX times since that address in XXXX, to XXXX different states in the USA. Per the XXXX, since they were not able to contact me within 1 year of the violation, this violation should be deemed invalid, and I owe no debt. Now, Cedar Financial, is asking me to pay XXXX the fines that were supposedly incurred in XXXX. Although I did travel to XXXX, I do not believe that I was in violation of any traffic law, nor was it indicated to me by the rental car company that driving to the hotel would be in violation of a traffic law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: ACCOUNT : XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial XXXX late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep having this collection come up on my report - I have disputed this many times from many different creditors and this same debt keeps coming back onto my account without notice. When I try to dispute this in written form ( 3 times ) I do not receive anything in return - just pop back up from a different creditor. I do not own this debt and I need it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: It seems the bank ( Wells Fargo ) has an error in their loan management system. I had made an error in setting up my automatic loan re-payment information and inadvertently missed a payment. This triggered a {$20.00} late fee in my account. No problem with that. However, when looking at my statement, I noticed that the line item that added the {$20.00} late fee also incurred a {$.00} cent interest in the same monthly bill. I think that is wrong and hopefully just a " programming error '' and not an INTENTIONAL act to XXXX money from consumers. Please look into it and either explain this action or ask Wells Fargo to change their practice. I made a personal complaint when I called to ask for a one time waver of the Late Fee. They did grant me that waver but did not say anything about this OUTRAGEOUS interest gouging practice. XXXX multiplied by XXXX is a lot of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Auto) with Data Line Credit Corp (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: it was a medical bill that was payed off they agreed to remove after payment

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a dispute with Equifax for incorrect information in my Credit Report Dispute Number : XXXX, they said it was still open. Please refer to XXXX. Today they closed the dispute saying the account is mine. They have failed to provide proof of ownership of the account. I have contacted XXXX XXXX via the number they provided ( XXXX ) and they have no record of my alleged account. There is an account that does n't belong to me, and I have explained to them I do n't recognize this debt or owe any money to this creditor. If valid it would have been paid. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. Just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! 
Please have Equifax provide proof I opened the account in question, the purchases that were made and signed documents, otherwise if they still insist in keep the account there, I will escalate this to the FTC, my state attorney general, file a complaint with the XXXX, and will sue Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Sale of account

Complaint: I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.

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 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This will reference complaint XXXX AMERICAN EXPRESS AND TRAVEL RELATED SERVICES as stated in the previous above captioned complaint AMERICAN EXPRESS continues to fail in examining the facts surrounding my request for credit and removing this from my credit. I was given XXXX XXXX XXXX ( XXXX ) times by XXXX XXXX XXXX, XXXX TX. for the wrong diagnosis. The doctor is no longer with the firm. AMERICAN EXPRESS does not take my dispute/complaint seriously and just regurgitates the correspondence received from XXXX XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to determine the actual cause of the problem. The doctor remarked that there would never be any improvement in the XXXX as a result of the XXXX XXXX done by XXXX XXXX XXXX as they XXXX XXXX XXXX XXXX. It is my opinion that after all my research and work that AMERICAN EXPRESS 's only concern is keeping a satisfied merchant. Further it is obvious that AMERICAN EXPRESS is ignoring the center of the issue and basing there explanation ( s ) on the fact that the charges are valid because the services were rendered. My dispute ( s ) are valid and AMERICAN EXPRESS needs to realize the validity of my claim ( s ) as the are not frivolous and have merit. Their merchant made a  mistake and should not be compensated or rewarded for malpractice. I have tried to reason with AMERICAN EXPRESS but to further prove their lack of concern, each time I call to dispute they refer my calls to collections. AMERICAN EXPRESS is now on their second collection firm, the first being XXXX XXXX and have now given it to another firm ( since XXXX  could not get anywhere ) to whom I have written and explained the situation and have asked them to cease and desist from calling me. Clearly AMERICAN EXPRESS is now harassing me. AMERICAN EXPRESS needs to do what is morally correct and charge back the merchant and remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 have asked Transunion to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Secti on 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosur e. My first request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . My second request was sent out on  XXXX   XXXX ,  2017 , of which they received my letter on  XXXX   XXXX ,  2017 . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Transunion has denied my right as stated on FCRA. I ask you to step in and demand Transunion to follow the law and provide me a complete file disclosure for the disputed accounts on my credit report.

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 09/27/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have a citi card with a 0 apr promotion that expires on XXXX XXXX XXXX. I made a payment of {$800.00} to pay off the balance so that I would not be charged all the back interest. My payment did not go to that promotion. XXXX from Florida informed me that my payment does not apply to the 0 apr. It will be applied to the purchases that incurred after the balance transfer. So on XXXX all the interest that would have incurred during the promotional period will be applied to my balance. Its not right. I really need advice on what to do. 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 05-04-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In progress dispute for Case number : XXXX. The company 's answer is not relevant to the situation. Clearly a stock answer they have brewed up. I HAVE disputed the information and can not access the dispute. Furthermore, I am unable to submit any disputes online. The system rejects me any time I try. Finally when I try to call to fix it I am passed around like a hot potato. There is erroneous information on my credit report and I want it fixed. If you wo n't fix it I need to be able to dispute it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (FHA mortgage) with Selene Finance LP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Application, originator, mortgage broker

Complaint: XXXX ( NMLS # XXXX and Nationstar Mortgage are dishonest and use false advertising to get customer. XXXX told me that I qualified for a 3.8 % refinancing. When I decided to us him, the final interest rate was not 3.8 %. He will the low interest rate to attack customers. When I ask him what changed, he will give you the attitude and say " this is how it works ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: I am behind on my mortgage, but I am still making a payment and have managed to stay mostly 1 payment behind. I have been receiving letters and statements that are inconsistent, so not reflect my payments, contradictory and most recently threatening to initiate foreclosure proceedings on X/XX/17 for an amount which is unclear to me. For example, my XX/XX/XXXX statement shows no payments made, but I received several 4 letters dated X/X/17 saying that a payment of {$950.00} was received, 1 letter dated X/X/17 saying a payment of {$980.00} received & a letter also X/X/17 saying that a payment of {$960.00} was received. These payments are not reflected in a suspense account or any statement I received. I received a package dated X/X/17 for assistance saying I am 31 days late, contradicting the payment letters & statements. I then received a letter dated X/XX/17 saying I was in default & needed to pat {$2000.00} by X/XX/17 or foreclosure proceedings will begin. It is unclear to me what amount I owe, why payments have n't posted on my statements & why my past due days are inconsistent. I have also been charged legal & property inspection fees that do not seem justified.

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 01-06-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.

Company response to consumer: Closed with monetary relief