milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX XXXX, XXXX, I received a Notice of Wage Withholding from a private company called Performant. During a phone conversation near the date of this notice, I asked Performant to send me documentation regarding the federal student loan for which it was demanding payment. Prior to receiving this notice from Performant, I had not received any notice from any lender regarding default. I had taken a loan in XXXX to attend XXXX University in XXXX XXXX. I had made regular payments on that loan to a private lender, XXXX. In XXXX, I asked for and received a forbearance during the period of my graduate study. When I graduated in XXXX, I checked my account with XXXX 's servicer and received notice that no balance was due. 

Accordingly, when I received notice from Performant of the Garnishment action I asked for documentation. As of this writing, there has still been no documentation provided. I further tried to reach an agreement with Performant as I told them directly that I wanted to pay the loan -- the balance of which was approximately {$2400.00}. Performant instead demanded immediate and full payment of an obligation it purported to be {$2600.00} - adding various fees. Performant never gave me a reason for rejecting my good faith of an offer of a payment plan of {$400.00} every month for six consecutive months. 

On XXXX XXXX, XXXX, I contacted legal assistance. My attorney wrote Performant on XXXX XXXX, XXXX, and demanded Performant provide copies of its loan materials and to discuss a good faith repayment plan outlined above. Performant never returned any communication. 

On XXXX XXXX, XXXX, Performant issued a XXXX XXXX to my employer. Performant further asserted to my employer that it had notified me multiple times regarding the Garnishment, and contrary to all fact, told my employer that it has been compliant in showing me the basis of its asserted obligation. 

As of this time, my employer is withholding my pay based on Performant 's non-compliant if not fraudulent representations.

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 02-02-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX opened XX/XX/2016 and was charged a total is $XXXX for car insurance I didn’t applied for, but I did asked for a quote. I didn’t sign any paperwork to authorize them to charge me. I’ve called them and tried to get them to remove it, and they stated it was in collections and out of their hands.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, has a late fee policy that is gauging and loan sharking consumers by applying high late fees and on top of the late fees 29 % interest on the late fees, a double penalty to the consumer. These fees are incredibly higher than what mortgage company charges. Worst all, the customer service reps ( CSRs ) are measured by the number of fees they " do not '' remove and the number of " courtesy removals '' not applied. Upon these CSR reaching their goals, they receive bonuses that those bonuses are greater in the executive management hierarchy. Just look at these companies SEC filings!

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 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX XXXX XXXX XXXX, 2017 I went to the XXXX to look up people for a {$1.00} per person fee regarding public records of these individuals. Interference on my cell phone came through by text messaging where the bank asked if I made 3 transactions and check YES or NO regarding each. Two at {$1.00} each was made but the 3rd was not recognizable so I had to say NO and the access to the second persons data I was viewing ended and then I contacted the bank and they said fraud was taking place and they were to close the account. I spoke with the bank they gave me 2 verification # 's where my account was back and up and running and the automated banking service for my account said I had {$230.00} and some cents available and I went to the local XXXX  XXXX store for a {$7.00} purchase and the transaction was declined. I called the next day and my account was not recognizable by the bank and in 5-7 days I am to get a new # and card. Bank of America Visa is my account # XXXX, XXXX. XXXX XXXX, XXXX, Texas 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 09/13/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report

Complaint: I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.

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 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a credit card on Chase.com on XXXX XXXX and was approved soon after. I did not use the card anywhere, as I was waiting to receive it in the mail. I received the card about 10 days later, however, a fraudulent charge of {$5000.00} was attempted on the card on XXXX XXXX. Considering I never used the card and it was not lost, it seems to me that the information was breached during the chase application process. I tried to contact Chase, but was not able to get anyone to understand my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Capital One closed my 360 checking account today stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. That is absolutely sneaky of them as I have barely any activities on the account that should prompt closure, I did n't even have any transactions in the past few months. This is an absolute switch and bait and is totally unethical for them to do that. My money market account was affected too.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Loan) with Nationwide Financial Group (MS).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: paid off two car loans XXXX/XXXX/XXXX. Have not received titles

Company response to consumer: Untimely response
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Roosen, Varchetti & Olivier, PLLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XX/XX/2017 this company started garnishing my wages for a debt that is over XXXX years old.

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

Complaint: This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My mother had used my social security number to have electric turned on at her residence ( dates im unsure of ) between XXXX XXXX XX/XX/XXXX. I believe somewhere in this time frame is when the fraud had taken place. she did this XXXX separate times. I had NEVER given her permission to use my personal information for her home services. Now that i am married and have XXXX children and we are trying to clear our credit up and do the appropriate steps in order to eventually buy a house and start our life its impossible right now with all the debts i owe that were never because of me. she has made it impossible for me to have a bank account without having crazy stipulations. Also she has used my social at her place of employment for about 2-3 year so it looks like a worked there and then claimed my daughter in those 3 years on income tax. she was able to use my social because he has it memorized just like she has with all my other siblings. My sister is dealing with a few of the same things i am dealing with now due to my mother having stole and used her identify unlawfully. so moral of the story she has stolen my identity and has put a lot of debts into my name that i myself have never done.and now i am looking for help to resolve this issue. i have filed police reports and im trying to figure out where to go from there.a police officer has emailed me this link in order to start the process started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple unauthorized inquiries from   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX ,    2016 to   XXXX   XXXX ,  2016 listed  on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.

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 02-08-2018 about Debt collection (Medical debt) with Carter-Young, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Identity Theft Victim : Sent Debt Collection Agency several copies of the police report ( Court papers ) I didn't generate this debt ... 



XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Informed me that I have a collection account with them - First Source Advantage - but would not give me any other information when I asked what the debt was and who it was from. Intimidating behavior.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Payday loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.

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 05/25/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Received by mail an unsolici ted Mastercard ( Prepaid ) card from Netspend. T his was not requested.   The card is a prep aid Debit card that requires the holder to file Social Security and bank account routing numbers to Netspend, w hereby they will then charge the holder a monthly fee of {$5.00} to handle funds.     I have been advised th at  XXXX  sold off this service to Netspend, which is now simply mass mailing these Mastercard products t o unsuspecting people.

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 10-11-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an account that is showing in collection status for a former debt owed to HSBC XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender HSBC.

I dont owe the bill twice and ask that the HSBC showing as collections from another law firm for HSBC be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this HSBC bank was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine.

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 explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a Rushcard user who can not access my account. I previously had XXXX dollars in my account before my direct deposit got transferred into my account and my balance remains at XXXX. When I call the number I get put on hold for more than an hour each time then someone gets on the line and tells me they can not tell me anything about my Account. At this moment my car is at risk of being repossessed because o was not able to pay my monthly car note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with States Recovery Systems, Inc. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received a letter from States Recovery Systems , Inc., purporting to be collecting debt that I owe to a third party company. However, the letter was fraudulent. I encourage you to pursue this company and stop them from attempting to defraud others. 

Here are the details of the case. The letter that I received stated that States Recovery Systems was attempting to collect a debt in the sum of {$1200.00} from XXXX. XXXX is the phone carrier that my wife and I use for long distance. I had recently tried out a mobile phone that they offered, but I returned it to CREDO in XX/XX/XXXX, before the end of the trial period, because they do not have good coverage in the neighborhood where we live. On receiving the letter from States Recovery Systems, I contacted XXXX to verify that I do not owe any debt to them. The representative who I spoke with confirmed that this was true, and that the letter from States Recovery System is incorrect. 

When I searched for States Recovery Systems on XXXX, I found numerous reports of other customers whom the company had attempted to defraud. It appears that the company has a pattern of pursuing people for nonexistent debt. I fear that my age ( XXXX ) may have made me a target for this scam. Companies that go after the elderly with fraudulent debt collection schemes deserve to be prosecuted to the fullest extent of the law. I am happy to contribute any other information that you might need in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: One in applying for a mortgage modification my loan account manager told me not to make any payments while the modification was being processed meanwhile when all was said and done and the modification was granted I was told that I had to pay the entire balance that they would not except any partial payments Pretty much left me in a bind but all the payments were made and so I do n't feel like I should be penalized or it should show that I was late 30, 60 120 days etc .. I was simply doing what I was told at the time so it was my bank account manager gave me the wrong information for them aware I have just been laid off and put on XXXX and my has been going through his XXXX round of XXXX XXXX and had to be having a XXXX and so that 's why we need the modification and that 's why there was late payments. Can you please change the standing of the payments to reflect that that was not my fault that that 's what I was told to do because I 'm trying to refinance the mortgage right now so I 'm trying to fix my credit report thank you

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