milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After reviewing my credit report, saw a collection activity by Amsher collection Agency., Its for a XXXX cell balance I paid for in XXXX 2016. 
I 've disputed this bill thru the credit agencies XXXX and XXXX. I supplied the payment information. 

But I 'm still getting phone calls from Amsher. 
I want the harassing calls to stop and any and all collection remarks for this bill on my credit reports that I paid last year to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I had told Wells Fargo to freeze my account since creditors are trying to send ACH debit to my accounts. Wells Fargo refused to do it and has been charging me {$35.00} each time. They charged me over {$700.00} in overdraft fees since XX/XX/XXXX. They would n't close my account because it is overdrawn because of their fees. I was under a XXXX due to a lot of debt and in the verge of losing everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Other financial service (Debt settlement) with Nationwide Biweekly Administration, Inc. (AZ).
Issue: Customer service/Customer relations

Complaint: Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: yes companies E open date XX/XX/XXXX 2,315 have wrote to XXXX and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on XXXX and closed on XXXX XXXX XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

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 12-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THis is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Between the date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX My Equifax credit score dropped XXXX points. When I called the bureau they did not clearly explain how my score had dropped XXXX points. I had only XXXX 30 day late penalty that was new between the report that was pulled onXX/XX/XXXX and XXXX/XXXX/XXXX. The Bank I was applying for the loan was baffled by the catastrophic drop. I am trying to get a refinance cash out loan on my house to pay off all of my debt and only have a mortgage payment. This loan would help free up some money for savings and then I would not have to live paycheck to pay check. The reason I am filling this complaint is without a credit score of XXXX the bank can not move forward with the loan. I was frustrated with the credit company because they could not explain clearly why the XXXX negative things on my credit history would cause a XXXX point drop. I asked how many points each of the negative reports were worth and they could not give me an answer. Aside from the 30 day late payment on a credit card I have had perfect payment history. I believe that my score has been wrongly adjusted between these dates and needs to be looked at and readjusted. I am frustrated and confused and this is significantly impacting my life and financial stability. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: on XXXX/XXXX/2016, I opened a citigold account with {$50000.00} deposit, referred by my neighbor, who was told by financial banker, XXXX XXXX, XXXX ID : XXXX, that at the end of 3 months, everyone will receive {$500.00} credit and {$300.00} referee credit, also {$100.00} referral credits if refer anyone on member to member referral program. However later to find out that the promotions are the scam because these XXXX promotions ca n't be combined and the branch personal banker XXXX XXXX gave us the wrong information when we opened the account. 
After waiting for 90 days, I requested the additional {$300.00} via security message center but I was told that the promotions could n't be combined. 
XXXX XXXX stated that he did n't know these XXXX promotions ca n't be combined at the time when the account was opened. It is unfair for the customers to bear the lost created by the bank staff. 
My friends who were under the same situation told me that they were able to receive the additional bonus after the complaint was submitted. I would like to be treated equally too.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from this company

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 06/23/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (MA).
Issue: Trouble during payment process

Complaint: Was eligible for a  XXXX  dollar payment on my harp loan ( DI-TECH ). Processed the Harp form near the end of 5 year term for bonus and DI-TECH incates they are waiting for the federal government. My 5 year term ended in  XXXX  and I have no answers.but th e one d escribed.     Loan #  XXXX  Harp Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.

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 03-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My now-deceased mom was offered a second mortgage for {$250000.00} on her co-op in XX/XX/XXXX when she was XXXX years old, her only income was XXXX a year social security and in poor health. The lender, XXXX XXXX XXXX, could never have expected this loan to be repaid, as it was a 30-year mortgage with the first ten years 'interest-only, ' not going to the principal. She obviously had no ability to repay but must have accepted the offer to pay other debts, including her medical bills. It was only after she passed in XX/XX/XXXX I discovered these shenanigans. But I have insufficient resources to pay this underwater mortgage. They then declared a foreclosure sale date twice, but canceled both times. Now, the servicer refuses to offer a principal reduction or deed in lieu of foreclosure, and the contact person, XXXX XXXX at Seterus, XXXX extension XXXX, does n't even answer the phone or emails! They keep sending requests for documentation of my meager income, which is irrelevant, as I am not on the mortgage and my mom left no will. When I explained this, they falsely declared I " withdrew my request for assistance. '' My question is : what benefit are citizens getting from the XXXX, XXXX XXXX settlement XXXX XXXX XXXX supposedly paid for mortgage fraud? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.

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 07-12-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,    2004  I signed a Multistate Fixed Rate Note Single Family  XXXX   XXXX   XXXX  whereby in paragraph  XXXX  ( Borrowers Right to Prepay ) of the form it provides : When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. '' This renders the note non-negotiable. I have told the Note Holder multiple times that I have made prepayments to the loan and that it is not a negotiable instrument pursuant to sect ion 3-104 ( a ) ( 3 ) of the U.C.C., a   promissory note can not be an instrument if it contains such an undertaking : the rules of negotiability apply only to promise to pay money, not to other, non-monetary undertakings. Sending a notice certainly is an act in addition to the payment of money, and the notes language seems to constitute an undertaking to perform that act. '' My  XXXX  Loan number is :  XXXX  and I have demanded a full Accounting of my original loan number :  XXXX  allegedly now serviced by  Caliber Home L oans with loan number :  XXXX . Therefore, based on the above, this is a notice to the Note Holder of all the above, and ask the Consumer Financial Protection Bureau ( CFPB ) to intervene and audit my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Payday loan () with Big Picture Loans, LLC (OR).
Issue: Charged fees or interest I didn't expect

Complaint: I was in need of a loan so I called and applied for a payday loan through big picture loans. I was approved for a {$770.00} loan and was told my finance charges would be in the neighberhood of {$250.00} and that my first payment would be on XX/XX/XXXX. I was told I needed to hurry up and sign the documents if I wanted the money in my account the next day. What I was not told, nor did I see anywhere on the e-document I signed, was that I was actually going to be charged almost 700 % interest on the advance. I have now paid {$1600.00} and I still owe almost another {$4000.00}. I never would have accepted the advance if I knew it was going to cost me over {$5000.00} to borrow {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Auto) with Financial Credit Service, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. 

Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.

Company response to consumer: Closed with explanation