milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On or about XXXX/or XXXX of XXXX, XXXX XXXX company had placed a judgment on me in lieu of {$800.00}, and we came to agreement when we went in front of the Judge, in which XXXX XXXX represented agreed that I will pay my past due bill of {$800.00} which I did, and upon my paying off the debt that they would in return send a settlement letter to the court and me, which they failed to do as a result you have a unlawful judgment against my credit. Furthermore I have found out that XXXX XXXX has been out of business, because XXXX XXXX was contacted on XXXX/XXXX/XXXX by the BBB. In which the company stated they are out of business BBB also reports on a company that is out of for three years from three date the company closes its doors or ceases to do business. Please understand that I 've tried numerous times calling to find out what happen to the settlement letter they were suppose to send me, way before I found out that they were out of business, I 've went to the Courts etc ... trying to get some type of number or address on XXXX XXXX, just to find out through the BBB that they closed or folded their business in XXXX, but never up held their end of our agreement. Now here some 4 years later I find that there is a judgment on my credit by Transunion from XXXX XXXX which is false and need to be removed. Not because they went out of business, but because they never contacted me to let me know that they sent a settlement letter to me or the courts. So with that being said I 'm requesting that Transunion remove this judgment off my credit and send me a satisfied letter stating that this judgment is removed and settle with 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 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I have a credit card from barclay which I used to purchase my XXXX XXXX. It was interest free for a year and I made all of my monthly payments. When the interest hit the card it was over {$300.00} which pushed my card over the limit. I have been making all of my monthly payments. None of my payments missed. I called this morning to get a new card because I realized my card had expired. I was informed my card was cancelled because it had a high balance and because of other accounts I have opennwith other creditors. Along with that I was also informed the card company checked my credit periodically reviewing accounts that had nothing to do with Barclay. .As I stated to the manager I was in the process of paying my account down today since I will be going on travel and will need to use the card. The was told I have to re-apply. I do not wish to reapply because it creates a hard credit inquiry. I wished for them to re-open my account. I was then told they can do as they wish with any of the customers they choose, that a letter was sent to me stating they were cancelling my account once the card expires ( a letter I never received ). In my defense I stated it seems unfair to cancel someone card because it has a high balance, with no missed payments. Once I stated this practice seem to be deceptive and an unfair debt collection practice the manager no longer wished to speak with me. I asked for a number to corporate and was informed I could not be provide with that information. I could be given a mailing address to send a letter.

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 05-07-2015 about Credit reporting () with Credit Plus Inc (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquery on my credit report that I did not appl for

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Lease) with El Paisano Motors Inc. (TX).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: On XX/XX/2018 my son-n-law and I purchased a vehicle at XXXX XXXX XXXX XXXX, El Paisano. We specifically told then he did not have a drivers license. They still let him test drive it and finance it. I asked if he was gon na be able to get insurance and they said yes and they even suggested XXXX. We called XXXX and everywhere we could and we couldn't. I did obtain insurance on the vehicle just not him on the policy. Well they demanded for him to be on it. So we weren't able to so they took vehicle away and didn't give us our down payment back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

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 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (DC).
Issue: Advertising and marketing

Complaint: Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX, XXXX I took out a mortgage XXXX. Less than a month later I was informed the mortgage company was filing bankruptcy. My loan server ( XXXX XXXX continued to automatically with draw my monthly mortgage payments form my banking account. In XXXX XXXX a new lender XXXX XXXX XXXX XXXX ) increased the amount and continued to with draw monthly payments. This continued until XXXX XXXX, when I received a letter from XXXX stating they would no longer be serving my loan. And someone would be contacting me. Months went by, without contact from anyone, yet the auto monthly payments continued. I call XXXX XXXX XXXX and was told I would contacted soon. The contact never happened, so I cancelled the auto payments. 
Four years later, XXXX XXXX I received a letter from XXXX XXXX XXXX. The letter informed that BAC Home Loans Serving LP has been assigned as server as of XXXX XXXX, XXXX. I Later received a letter from Bank of America declaring foreclosure. I contacted them, and reminded them of the lender 's ( XXXX ) bankruptcy.In XXXX XXXX, XXXX & XXXX, XXXX. informed me of a foreclosure sale. BAC offered a mortgage modification, to stop the foreclose sale of my home. I entered into the modification contract and continued to make payments. In XXXX XXXX XXXX records han no deed of trust filed by BAC. I contacted BAC to ask why. BAC responded with a letter. The letter stated the assignment of a new server XXXX effective XXXX XXXX, XXXX. I posed the same question to the new server, regarding the filing of the deed of trust. Their response, was the assignment of a new server XXXX a debt collector/server. When I contacted XXXX, I was told BAC had charged off the loan. Later, I found out that ( BAC ) Bank of America is the parent company of all of the newly assigned servers. As of today, there is no papers Releasing the Original Loan to anyone. No one can show proof reassigning XXXX XXXX XXXX as the server in XXXX, after the dismissal in XXXX. I have paid out over {$54000.00} to these people. The above mentioned have offered no documents of ownership. They have, also filed outstanding debt owed by me with all credit agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not have any upaid debt. I have received calls from XXXX on the following dates : XX/XX/XXXX ( twice ) ; XX/XX/XXXX ( twice ) ; XX/XX/XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Medical debt) with Alorica Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On or around XX/XX/XXXX, I received a call on my cell phone from Global Receivable Solutions ( GRS ) stating I had an unpaid medical bill from XXXX XXXX. I had not received any bills in the mail prior and my insurance should have covered the cost at 100 %. Due to the imaging company 's error in billing code ( was preventative and the coded diagnostic ), they were not paid 100 %, so the remainder was in collections I was told. I advised I wished to dispute the amount, as was a result of the collection company client incorrect billing. They advised they would put in dispute. On this initial call, I advised I did not give permission for my cell phone to be placed on an auto-dialer. As of XX/XX/XXXX, I have received multiple calls per day on my cell phone from GRS and I answer only to hear dead air or be hung up on, indicating an auto-dialer. Upon speaking to someone, I advised again the bill was in dispute and they could not use my cell phone number to collect this bill and asked them to remove the number. Today, XX/XX/XXXX, I received 2 calls within 1 minute from this company, which is causing my phone to ring with intent to harass and they consistently hang up on me. In addition, when I answer, they proceed to TELL me my information for " verification '' and disclose everything. Today, I was berated by a representative when I advised AGAIN, this was in dispute. When I asked for a manager, I was refused and told there is no manager. When I said again to remove my cell phone, they hung up on me. I called and asked for the Legal address, as I am now considering legal action, and they refused to provide. I was finally able to obtain an address ; however, the company will not confirm it is accurate. I want them to cease and desist 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 07/31/2015 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/15 at XXXX CT, XXXX XXXX XXXX left a XXXX second voicemail on my cell phone claiming a past due debt. The transcript of the voicemail is a follows : '' This message is for XXXX XXXX. If you are not XXXX XXXX, please hang-up or disconnect. If you are XXXX XXXX, please continue to listen to this message. There will be a three second pause in this message. By continuing to listen to this message, you acknowledge that you are XXXX XXXX. XXXX XXXX you should not allow anyone else to listen to this message because it contains personal and private information for you only. There will be a three second pause in this message. This is XXXX XXXX, a non-attorney collector at the law firm XXXX, XXXX. XXXX XXXX, this is an attempt to collect a debt and any information obtained will be used for that purpose. Please contact me at XXXX extension XXXX. " The collector did not state a past due amount or creditor. I have no past due amounts and am not delinquent on any payments. I understand that XXXX are in direct and deliberate violation of Federal and state consumer protection laws for failure to acknowledge any legitimate dispute and furnish documentation of the debt allegedly owed. I understand XXXX are in direct violation of Federal and state laws for intentionally misrepresenting jurisdiction of collection laws, for the sole purpose of attempting to disarm me of my consumer rights under Texas law. 

I would appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Why do you ( WELLS FARGO ) keep making it so hard to pay my mortgage? You imposed fees if I pay by phone. You wo n't let me link my WELLS FARGO checking or savings account to this account. You changed the account prefix and did n't tell anyone. Then you claimed no prefix was needed. Each time I go to a branch to pay my mortgage, your employees have a very difficult time finding the mortgage account even if I bring the statement in. SOMETIMES THEY CAN NOT EVEN FIND THIS MORTGAGE ACCOUNT. THIS IS AN ABSURD WAY OF DOING BUSINESS! AND WHY DO YOU REFUSE TO REPLY?

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 01-10-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: Citibank produced a file loan location history for my mortgage but refuses to tell me the meaning of the codes or to produce documents. The phone personnel say that it is a second loan but can not give further information. the mortgage XXXX is jointly titled to XXXX and 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 12-09-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Transworld Systems Inc. sent me a collection letter advising me of a debt they claim is mine in the amount of {$510.00}. 

I have been a victim of identity theft and this debt is not mine nor do I know who " XXXX '' is. I 've enclosed copies of my police report of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After being discharged from this medical facility I was provided with medical records for another patient that was being seen on that date. I could not even provide proof of hospitalization to my school due to this huge HIPPA violation. In addition I received a bill for test that I am not even sure was performed on me. At that time I was pregnant but according to the test results that belonged to another patient I was not. I have sent a debt verification letter to request detailed billing and I tried to contact some in the billing department of that medical facility shortly after being discharged. I have no trust in this medical facility or any charges that I am deemed responsible for.

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 06/22/2016 about Consumer Loan (Installment loan) with ECMC Group, Inc. (IL).
Issue: Managing the loan or lease

Complaint: I am not sure why or what type of loan this company is calling me about because I do n't have any unpaid loans. They never leave a message, but they call 2 or 3 times a day and at all hours. Even 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 07/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have both Federal and Private loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Navient Solutions, LLC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, I paid an amount of {$500.00} to Municipal Services Bureau which was the amount owed at the time. I looked at the account 4 days later and it said I owed {$3.00}. When I called to ask what this charge was they say it was an interest charge that accrued on the XXXX of the month. I called to have them rectify this since I paid the full amount due on the XXXX and they told me that management would reverse it. It still has not come off of the account and still shows up on my credit report. I requested it be reversed and that they send a paid in full in full statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Federal student loan servicing) with MOHELA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am writing you to bring attention to the Forgiveness Loan Program through XXXX XXXX are not working. In XX/XX/XXXX, I took out a student loan for {$5000.00} to attend XXXX XXXX XXXX XXXX ( XXXX ) to work myself off of XXXX and provide a future for my children. I worked a number of jobs before my career started at XXXX XXXX XXXX in XXXX. 

Firstly, I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX, XXXX, I filled out and submitted the Forgiveness Loan Applications. I received a letter for my last job that I worked at that time, but not for my 14 years of service from XXXX XXXX. I telephone them about my XXXX XXXX XXXX application and they stated that they had not received that one, so I re-faxed it. I received another letter regarding that my XXXX employment was approved, but I misplaced it and never heard anything from XXXX again. In XXXX, XXXX, my husband and I filed bankruptcy. Of course, Mohela ( who I have been paying my student loan through for the last 2 - 3 year ), even though they knew I had applied for the Forgiveness Loan program ; put my student loan in the bankruptcy anyway. I have filed complaints with the XXXX and the Consumer Financial Protection Bureau. 

Secondly, today, I received a response from the XXXX that XXXX XXXX XXXX, of Borrower Experience Advocates XXXX XXXX | XXXX, stated that I need to continue to work with XXXX. XXXX is refusing to help me. He is telling me that my bankruptcy attorney needs to get it out of bankruptcy, but knows that his agency approved me for the forgiveness loan. 

Finally, on XXXX XXXX, XXXX, I sent an email to my State Representative XXXX, whose office has not done anything. I should not still be paying on a {$5000.00} dollar loan from XX/XX/XXXX - XX/XX/XXXX, this should have been paid office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Trouble during payment process

Complaint: I refinanced my house through XXXX XXXX and they have sent two wire transfers to Specialized Loan Servicing to pay off Account # XXXX first wire transfer Amount : {$130000.00} USD XXXX Reference : XXXX second -Wire trasnfer Amount $ XXXXUSD _ XXXX Reference : XXXX for Specialized Loan Servicing Account # XXXX Specialized Loan Servicing is holding to this moneys and haven't credited my mortgage account and are showing my account with two months non payment. 

Next Payment Due : XX/XX/XXXX Amount : {$1300.00} PRINCIPAL & INT PAYMENT : {$1100.00} CURRENT ESCROW PAYMENT : {$210.00} TOTAL MONTHLY PAYMENT : {$1300.00} AUTOMATIC PAYMENTS : LAST PAYMENT RECEIVED :XX/XX/XXXX ESCROW BALANCE : {$680.00} PRINCIPAL BALANCE : {$130000.00} 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