milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Amsher Collection Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the   XXXX   day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (VA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I authorized Branch Banking & Trust ( BB & T ) to make a hard pull on my credit for an auto loan. But they accidentally made XXXX hard inquiries within XXXX days of each other and hurt my credit by doing so. The first was made on XXXX XXXX and the second on XXXX XXXX. The second inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Pleases Find Out Who Is My Address XXXX XXXX XXXX XXXX XXXX Or. XXXX I Moved Here Over 21 Year 's And Never Moved This Is A Home .Please Correct Thank You. XXXX 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 non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and someone stole my personal information to open a checking account with   XXXX   XXXX   XXXX   :  XXXX , the account do n't belong to me. I have disputed this matter with   XXXX   XXXX   numerous times and have sent   XXXX   XXXX   a police report in regards to the fraudulent and unauthorized checking account. I have never had a checking account with   XXXX   XXXX   XXXX  .  DOB  :  XXXX / XXXX /  XXXX  , SSN :  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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never in my life applied for, nor carried a car note. There are countless companies reporting erroneous, and damaging inquiries on my credit report without my initiation. The majority of whom have ignored the repeated requests to cease authorization attempts, remove the previous credit reporting requests and void my information from their databases. 
The credit bureaus have reported inaccurate SSN, birthdates, telephone numbers and addresses on my credit report. It stands to reason that they frequently have resulted in the inaccurate data that has been, and continues to be both tirelessly reported, and disputed.

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 07/25/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On Monday XXXX XXXX, 2016, a man approached my front door. He took a photo of my front window with a tablet and left a yellow envelop with a notice, to contact Selene Finance at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing/Cancelling account

Complaint: Opened my Capital One credit card never was late on a payment. After I start noticing issues with my bank I still never missed a payment closed that account and opened XXXX Bank. In XX/XX/XXXX I called to make a payment and the customer service rep told me just pay out of my account and I was explaining to him I did n't want to do that with all the issues I was having and I did n't want my payment late he assured everything was ok. I went to my bank had them send a letter to Capital One verying my account and number to make the payment I call back to Capital One and I 'm told my account is closed within XXXX minutes. I have called severs times talking with managers account XXXX and collections and have gotten nowhere. I feel what they did was so wrong especially since they were aware of my issues and I asked not to try and take the payment out my account. They closed my account and has not returned my security deposit to the date. I would like a fair chance and investigation and to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have received XXXX civil summons in nc from the same debt collector and they are also a law firm ... is this a type of intimidation ... I got summons afther summons from the same place. I was n't even informed that they were about to summon me

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (MD).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I contacted this company for a short term loan, but it has become massive and they take my money any time they want, they took the money on  XXXX / XXXX / 2017  Friday, I had called to ask that this payment be put off for  a 2 we ek period, they told me it would be put off, but they hit my bank anyway, overdrawing my account, they pay date next is  XXXX / XXXX / 2017  but they took it early, and now my account is {$190.00} to the bad, and I have a text and pay schedule showing  XXXX   XXXX ,  2017 . This company does n't have to go by the rules then I do n't want to do business with them and they should be shut down. They took {$120.00} when they said they would not, then they took {$120.00} 2 days early, costing me {$36.00} in NSF fees   XXXX   times total {$72.00}. I call them and they are disrespectful, and you are there personal ATM. I asked that they not take anymore money, I only borrowed {$400.00}, and have paid that back and some.

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 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Fraud or scam

Complaint: I bank with Wells Fargo. On Saturday, XXXX XXXX around XXXX I tried to buy sporting event tickets from someone who posted an ad, and I sent {$200.00} to a mobile number through Wells Fargo 's XXXX Payment option, thinking that the XXXX XXXX would have some sort of basic protection coverage and that it was a safe way to transfer money. The person who initiated the transaction never delivered the tickets and stole my {$200.00} and stopped communicating with me. We then checked from a different phone number to see if he still " had tickets '' and of course he offered the same deal to our request- continuing to scam other people. I was scammed into giving {$200.00} through XXXX and have been told that there is no way for me to get my money back, even after speaking with Wells Fargo customer service immediately after this happened, with them telling me, " No problem, we will research this and get you your money back within 1-3 business days. Please file a police report. '' And they also gave me a case number that they said we could use to check up on. We created a police report and have yet to hear anything about it. So we waited, called Wells Fargo back, and then were told that, " The person who gave you that information was wrong, and there is no such case number with our fraud division, it looks like you made a money movement claim. '' They said that if the charge was pending it was likely reversible and then we were told that was also not possible. We are now supposed to wait up to 10 business days for them to investigate.

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 09/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.

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 02-06-2018 about Debt collection (I do not know) with GMA Investments, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Student loan (Non-federal student loan) with ECMC Group, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner

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 11/21/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have tried contacting Syndicated Office Systems without any luck to get proof of my debt and it is still on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.

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 03/23/2016 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Based on a previous complaint I filed with the cfpb, HSBC responded in a written letter on XXXX XXXX 2016 they would cease and desist calling about debt that I make regular payments on. The payment is overdue by no more than 60 days, frequently only 30 days. This is a voluntary repayment I can revisit with my bankruptcy attorney at anytime. Despite this letter and verbal requests HSBC continues to call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: transunionXXXX XXXXstatus showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (KS).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XX/XX/2016 I called XXXX UVerse to cancel XXXX at XXXX, XXXX, KS XXXX. I was given cancellation confirmation number XXXX and a final payment confirmation XXXX and paid a final payment of approximately {$55.00}. The service was cancelled on XX/XX/2016. On XX/XX/2016 I received a call from Diversified Consultants, a collection agency, stating that I owed an additional {$150.00}! Diversified Consultants also told me that the " bad debt '' would end up on my credit report if a payment was n't made that day. Worried and fearful of damage to my credit history ( which is perfect ), I made the payment for {$150.00} over the phone using my credit card. 

On the same day, after reviewing my notes ( and discovering that I had received confirmation numbers for my cancelation of service and final payment ), I called Diversified Consultants back and asked for a refund because I had previously paid XXXX XXXX XXXX the final amount. I was told the {$150.00} had already been sent XXXX & XXXX there was n't anything they can do to help me. I then contacted XXXX XXXX XXXX and at first they claimed the charge was for unreturned equipment and later claimed it was an early termination fee. After looking into both issues, theydetermined the equipment was returned and there was n't an early termination fee.Eventually they stated theycredited my account back {$99.00} but would not refund me the entire {$150.00}. I have now discovered that XXXX XXXX XXXX credited the CLOSED account {$99.00}, and XXXX XXXX XXXX is now claiming that the {$99.00} can not not be transferred to my active home account! 

XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and I am demanding the full {$150.00} back from XXXX XXXX XXXX. I did not ever owe XXXX XXXX XXXX or Diversified any funds and the XXXX should have not have called me and threatened to hurt my credit if I did not pay debt I did not owe. 

I demand a full refund via wire to my checking account, or a check issued in my name. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A collec tion agency Account Resolution Services is reporting information to all the credit reporting agencies (   XXXX   XXXX   XXXX   ) regarding collection accounts that they are not license nor bonded to collect nor report on according to the secretary of state website.. I have contacted the agency and requested that they stop reporting information that they are legally not able to do  so.

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 10-06-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.

Company response to consumer: Closed with explanation