milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since 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 02/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof an original Consumer Contract with my Signature on it. you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 08/14/2015 about Student loan (Non-federal student loan) with Vermont Student Assistance Corporation (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a cosigner on an XXXX. The load has gone into collections because none of the benefits of VSAC loans are attached to this loan. There are no reduced payments, no deferments and I am not allowed to consolidate this loan because it is a private loan. I filed for bankruptcy a few years back and the loans were not discharged even though they are private loans. 

The loans have gone into collections and I was told that I would be allowed to have a hearing based upon hardship. VSAC placed an offset on my tax return that I had intended to use to pay my Federal taxes. I was expecting to receive a property tax rebate that is based on my income and my ability to pay my property taxes. This money has been used to offset my VSAC loan. VSAC sent me a letter telling me they had confiscated my tax rebate and that I had a right to a hearing upon request. I sent a letter to them requesting a hearing and was denied. I rely on this money to pay my property taxes to my town. 

I have not been able to work out any arrangements with the collection agency. When I spoke to a representative from VSAC on the phone she told me to speak with the collection agency eventhough VSAC is sending me correspondence. 

I would like some help with working this out with VSAC. I would like a hardship hearing and I would like to know why private loans are not being discharged in bankruptcy. I still have bills that need to be payed before my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Payday loan () with Green Trust Cash, LLC (MA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I am writing to dispute a billing error in the amount of {$0.00} dollars on my account. The amount is inaccurate because, I returned a dress and Macys did n't credit my account. I was charged late fees because according to them I had a balance. When I called them they did n't help me. I was unemployed at the time due to the fact that I was fired during my maternity leave. Due to my post partum situation my doctor said not to deal with that because it was too much stress. Macys violated my rights by ignoring my request to correct the accounting error, and refunding the item on my Macys Credit Card. This would have made my account at a XXXX Balance and not resulting in any payment due. Now Macy 's continue to report negative errors to the Credit Bureau 's. I have tried to call them meny times they have poor customer service. If they would the actually time and look at their bill statement they would see the error.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX ,   XXXX   and Equifax the  XXXX  credit reporting agencies have failed to remove after  three  letters from myself to remove Unverified information from my consumer fi le. (   XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Medical) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 Suntrust Bank in XXXX notified me that they had placed a new insurance policy on my home for something like {$16000.00} a year! I was shocked and scared. They said my insurance policy had expired. I knew this was not true and had to get with my insurance agent to work this out with them. My insurance agent documented to them my policy had been transferred but NOT cancelled. At no time did I not have insurance. Suntrust agreed and took the forced lender policy off my house. HOWEVER, last week I get a escow notice from them that my escrow is now increasing my monthly payment by {$1000.00} a month. I called them and was on hold for 30 minutes before talking to anyone. Once I did talk with Suntrust they said they had started an escrow on my account because of the forced lender insurance policy in the fall. After discussing this issue with them for 2 hours it is still not resolved. I have a no escrow loan with Suntrust in my documents. Suntrust has now put me in an escrow status because of a mistake they made XX/XX/2015. Also, I have NEVER been late on my Suntrust mortgage payment and have a credit score of XXXX. What Suntrust is doing is a systematic issue at their company and putting their customers in a bad situation. Can the CFPB help me with this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.

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 08/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/2016, Nelnet sent me a notification congratulating me that my student loans had moved to forbearance and deferment status and I was no longer required to make monthly payments. 
At the time, I did not fully understand what the emails meant, and actually thought nothing of it until I received more emails XX/XX/XXXX confirming that the payments of my student loans had been postponed. When I checked with my spouse, who advised me that perhaps it was connected to the fact that our son, XXXX, had returned to university full-time, yet she explained that my loans should not have moved to deferment/forbearance status as the loan is in my name, not our son 's. She advised me to contact Nelnet and explain that an error had occurred. Like me, she also has XXXX Direct Plus loans for XXXX, yet with XXXX XXXX. When I phoned NelNet, the agent responded saying that it was not possible to remove the deferment status, hence making it impossible to restart the automatic payment plan. He advised me that I could still make monthly payments, yet had to do so manually. 
When I updated my wife, who works in a higher education state agency, she reiterated that was incorrect information. She followed up by logging into my account and accessing the instant chat message and sending an email. The result of that action was one of my loans was taken out of deferment. XX/XX/XXXX/XX/XX/XXXX, we followed up again via phone to request an explanation for the deferment status. Finally, the second loan was moved out of deferment. In the interim, of course, compounded interest resulted before I noticed what was going on, and then during the struggle to resolve the issue. 
Coincidentally, I finally received an email response last week sent to Nelnet about the deferment issue last fall. I suspect it may have something to do with the XXXX complaints now surfacing in the news. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In my previous complaint to you I advised that XXXX/Navient cancelled my interest rate reduction program that they provided to me after my first complaint through you. Well, this is my third complaint and I am letting you know that they have again canceled my interest rate reduction program. I need help. 

Again, they send a document to their online platform for me to review rather than just sending the document to my email. I need to stay informed. I need my interest rate reduction program reinstated in order to afford my student loan. I can not afford their current 9.75 % interest rate on my current balance of {$82000.00}. 

Take a look at the transaction history I have attached and see if you can make out what exactly happened to the account. All the " Adjustments '' and capitalized interest I had no idea about. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to Equifax, XXXX to remove, till date nothing has been done. EQUIFAX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have filed 3 previous complaints with the CFPB regarding Cavalry Portfolio and it 's affiliates. See CFPB complaint numbers # XXXX, # XXXX, and # XXXX, for more details. Cavalry Portfolio and it 's affiliates continue to commit the crime of " extortion '' by reporting false information on my credit report as well as no telling how many other victims. Cavalry Portfolio and it affiliates continue to respond with the same false excuse. In complaint # XXXX, I specifically requested certified account level documentation and Cavalry failed to provide it because they can not, which is illegal and the crime of " extortion ''. Proof of the " extortion '' is still being reported on my credit reports very easy to prove. " Extortion '' is a felony crime that ALL participating involved employees with Cavalry Portfolio and it 's affiliates need to be held accountable for. Civil Court Juries have awarded large amounts of money in lawsuits based on these type of practices by junk debt buyers. I know very well that the CFPB has held Cavalry Portfolio and it 's affiliates accountable in the past and imposed heavy fines on them as the agency should. I have heard that President Trump is going to use his authority as President of the United States to stop the " extortion '' by junk debt buyers. Such as to what Cavalry Portfolio and it 's affiliates are illegally doing to the American people. I am also going to contact Missouri State Attorney General, XXXX, Missouri US Senator, XXXX and Missouri US House Representative XXXX regarding the continued illegal practices of Cavalry Portfolio and it affiliates to aid in new tougher regulations being imposed on the junk debt buyer industry to protect the citizens of the USA.

Company response to consumer: Closed with explanation