milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I cancelled XXXX because they changed our rates without warning when we had a set amount we were paying and tried to bill us for a coaxial product. We moved from XXXX XXXX XXXX in XXXX, Montana to XXXX XXXX XXXX XXXX, XXXX, Montana. We had used there free move program in the past and everything went smooth but this time they tried to charge us for coax that we already had at old house and could have taken or we could have but they never mentioned it and that I also had plenty of new to use. We were not under any contract. I spoke to XXXX before they turned this over to collections and i was told this was closed. We ended up turning our service off prior to coming to a resolution with XXXX and we now use XXXX. XXXX tried to say we signed a new contract upon installation at our new home but I told them that was not true and they said they were documenting this. At a, later date I contacted them about this and they said we signed something on the installers electronic device. I explained that I was not even home. We assumed the tech must have just marked it himself. I asked XXXX why the tech would have even had something for us to sign since we were already customers, the agent said he was not sure and would need to look into the status of our account. 
my wife and I thought that it sounded kinda shady that they would even be trying to get us to sign anything like this since we were just moving locations. We are not sure but after that XXXX said to just pay the last bill and our account would be closed but this was after multiple calls and after service had been ended. Later a collection company called AFNI started sending us bill letters about XXXX and we told them about our resolution and about how I paid the last bill with XXXX and that it was closed. They said they would check it out and if there was any problem they would let us know. They never said anything but sometime ago I noticed they had put a negative on my credit report and said in collection which is a lie and I have tried to contact them about fixing it and they never write or call me back and never take the call. They have no evidence of any bill and they know it. AFNI address and phone is : XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .. 
Afni Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX P. XXXX XXXX XXXX XXXX XXXXXXXXXXXX Hours : Monday through Friday XXXX - XXXX CST We do not owe this bill and XXXX has their equipment and the last time I talked with XXXX they said they did not know what I was talking about when I spoke with customer care but that has been a couple of months ago. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had issues paying my student loans in the past and have worked dilligently for years to ensure I could actually afford my payments. When my payments went up from $ XXXX/mo to $ XXXX/mo- I became unable to make my payments altogether. I applied for XXXX Loan Forgiveness and was indeed granted a {$17000.00} forgiveness on my {$130000.00} of student loan debt ( mostly interest and late fees ). This made my payments GO UP! I called Fedloan in XX/XX/2016 and was told I could change my payment plan which would lower my payments back to around $ XXXX/month- which I feel like I can probably afford. When I got my statement for XX/XX/2016- my payments amount had not changed from {$340.00} like I was told it would. I was also told I would get a month of deferment while switching to the new plan and would have a $ 5 monthly payment for XX/XX/XXXX. This was a lie and I was completely deceived by the people at Fedloan, almost like they wanted me to think I had solved my issues but nothing changed at all! I can not afford the new higher payment and am now in danger of default all because I was deceived and told things that simply were n't true. They have once again destroyed my credit and killed my financial future yet again! I wish I had NEVER taken a single loan out and honestly will begin telling my XXXX in class ( I 'm a XXXX ) that college is a waste of money. My loans are actively ruining my life, if I could declare bankruptcy on these XXXX loans I would! I am completely trapped and helpless in this situation- ALL because I was LIED TO!! Fedloan is perhaps the worst example of what happens when the Government gets into the loan business. Please hold this organization to account for destroying my financial life, time and again!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Managing the loan or lease

Complaint: I have a lease with GM Financial. I have asked for the mailing address to be changed XXXX XXXX times now. Still nothing. Now I do not even get a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Problems when you are unable to pay

Complaint: This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX XXXX Home Equity Line of Credit account was removed from my credit report. I paid this joint account of {$120000.00} off, and received the Full Reconveyance, after my husband passed away. 

My home of 14 years was unlawfully taken and taken and sold by a court appointed receiver ( XXXX XXXX XXXX, President of the Probate Referees Association ) who intentionally disregarded/ignored the facts. 

I am the spouse in a community property state, and sole beneficiary of the J. XXXX XXXX XXXX XXXX, which held 100 % of my home. 

XXXX XXXX XXXX was assigned to Civil Case # SCVSS XXXX and Probate Case # SPRSS XXXX. XXXX XXXX XXXX disqualified self, and then ordered the destruction of the exhibits. Attorney XXXX XXXX filed my husbands XXXX XXXX XXXX XXXX XXXX for XXXX, and then it simply disappeared. 

I paid our XXXX XXXX XXXX XXXX XXXX loan in full and received the Deed of Reconveyance, but this fact was also disregarded/ignored. 

Any assistance is truly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with OLD NATIONAL BANK (IN).
Issue: Deposits and withdrawals

Complaint: Old National Bank took out an overdraft fee of {$38.00} after I deposited a {$80.00} Money Order which was not suppose to happen. 
Problem Date : XXXX/XXXX/2016 Amount removed : {$38.00} Overdraft Account taken from : Checking Account Account # taken from : XXXX Company who took it : Old National Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the 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 04/17/2017 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: On  XXXX   XXXX ,  XXXX , I contacted Rushcard via phone. I explained to customer service rep, I would like a copy of my transactions or statement for  XXXX   XXXX   XXXX ,  XXXX . He explained to me he was unable to provide the request. I was put me on hold fo r 5 m inutes. After being on hold, the rep informed me he would send a request to the  Corporate Office,  and I should receive documents requested in  1-3  business days via email. As of  XXXX   XXXX ,  XXXX  I have had any communication or received documents requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with Source Receivables Management LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have disputed this account with Source Receivables, XXXX, XXXX, and XXXX 3 times. This account is not mine and I requested debt validation. The credit bureaus keep saying " verified '' while the company never responded to me or sent proof of the debt. This is still reporting on my credit illegally and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (NV).
Issue: Trouble during payment process

Complaint: I have a Line of Credit Chase Bank with one interest rate for several years. The interest rate was 4.75 % with a payment averaging {$350.00} per month. I have had this line for approximately 10 years. On XXXX XXXX, 2017 I received my statement for period XXXX XXXX 17 thru XXXX XXXX 17 with a payment of {$620.00} stating my interest rate is 4.5 % with a {$19.00} principal. This is HIGHLY illogical since they state my interest rate is lower but my payment almost doubles. Additionally they state {$19.00} for principal ( a charge I have NEVER had before and do not know what it is ). On the second page of the statement they state I have 5 days of billing cycle at 4.5 %, 5 days at 4.75 % and 21 days at 8.45 %. Nothing has changed in the last 10 years but suddenly they have CREATIVE FINANCING. 

On XX/XX/XXXX I called Chase at XXXX XXXX XXXX asking for an explanation. The Chase employee was rather rude to me but finally transferred me to an Escalations Manager as she did not have the answer to question. 

XXXX, the Escalations Manager at XXXX XXXX XXXX ext XXXX did not have the answer either. XXXX stated she would research the issue and get back with me within 48 hours. She did NOT. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. XXXX did not return the call. On XX/XX/XXXX XXXX XXXX PST I left another message with no reply. 

Finally Saturday morning arrives and XXXX calls me while I am eating breakfast. I advised her of this and said I would call her back. I called her on XX/XX/XXXX at XXXX XXXX PST and left a message. I called her on XX/XX/XXXX at XXXX XXXX PST and left another message. 

It seems that XXXX NEVER answers her phone and only returns calls on Saturday mornings. A date her recording states she does not work. 

To date I have not received an answer to a simple question. My payment is due XX/XX/XXXX and I need to have this resolved IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pintor Partners, LP (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 've already asked barri finance not to contact me at work.or visit my work or my husbands work and they keep doing it l.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (VA).
Issue: Managing the loan or lease

Complaint: I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I informed the company that I was recording the phone call and I requested that they can not call me. They called me the very next day. I spoke with the same person and he told me he wont call again. I called in to try to talk to a manager named XXXX and he would not listen to me and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.

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 01-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Other transaction issues

Complaint: My husband opened an account with Coinbase, an online trading tool for XXXX, in 2014. He passed away in 2014 and, to date, despite having provided all the information requested by Coinbase, I have been unable to access his account and sell the XXXX. There is no phone number for customer service and all my email requests for assistance have been ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Student loan (Private student loan) with SLM CORPORATION (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My complaint with Sallie Mae is my required monthly payment is too expensive. I am required to pay {$1400.00} each month to Sallie Mae. This payment is more than one of my paychecks, and I am struggling to my my other bills and living expenses as a result. I have made one payment so far on XXXX XXXX, XXXX, and I am about to make my payment of XXXX. I have spoken to Sallie Mae representatives on several occasions to lower my monthly payment, but I have been unsuccessful. The representatives stated that there are three options to assist with paying the debt : deferment, forebearance and interest-only payments. I have utilized the first two options and I am not eligible to use the third option. One representative suggested that if I let my payments go into collections, the collections department can work with me. Id rather not allow my payments to go into collections as this will severely damage my credit and future. I was very disappointed that this is the only option they could offer me. I utilized the forbearance for the full 12 months because I was laid off from my job, which resulted in my finances being severely set 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 08-09-2016 about Debt collection (Credit card) with Rushmore Service Center, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My XX/XX/XXXX statement showed a number of charges that I immediately recognized as fraudulent, in the amount of approximately {$23000.00}. I called the company to report these. The first person I spoke to acknowledged that the charges were likely fraudulent, however, subsequent conversations ( particularly on XX/XX/XXXX and XX/XX/XXXX ) made it clear that the company had decided to hold me accountable for the charges even though I was disputing them, denying that any of the out-of-state purchases had been made by me or anyone I had authorized. My XX/XX/XXXX statement still shows these fraudulent charges, as well as a late fee for non-payment.

Company response to consumer: Closed with explanation