milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding has placed a account on my credit and the account was not verified before it was placed on my credit. I have contacted them several times and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Balance transfer

Complaint: I deposited a convenience check to my personal checking account in the amount of {$4000.00} from my Salliemae Mastercard on XXXX/XXXX/16. The check was returned on XXXX/XXXX/16. I have not received a credit to my Salliemae Mastercard to date. The sequence of events is below. 

XXXX/XXXX/16 -- Received Balance Transfer Checks with promotional APR that specifically stated that the transactions must post by XXXX XXXX to : Transfer balances from other card Finance home improvements or renovations Write a check to yourself XXXX/XXXX/16 Contacted XXXX ( Sallie Mae/payable through Barclays Bank Delaware ) to verify credit limits and terms if I wrote a check to myself. 
XXXX/XXXX/16 Deposited check # XXXX for {$4000.00} into my personal checking account at XXXX ( XXXX XXXX XXXX ). There were no holds placed on the deposit. 
XXXX/XXXX/16 Check was returned as " not authorized '' ; {$12.00} total returned check fees were assessed XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; stated that the check had cleared and that I needed to address the issue with XXXX. 
XXXX/XXXX/16 Received legal copy of the returned check from XXXX. 
XXXX/XXXX/16 Contacted XXXX -- XXXX ID created XXXX. Transferred to XXXX. XXXX at XXXX ; Continued to maintain that the issue was with XXXX XXXX/XXXX/16 Contacted XXXX ; Told that the case was closed and that I would receive a copy of the check from Barclays within the next week. 
XXXX/XXXX/16 Received copy of the check from Barclays and took it to the XXXX ( XXXX XXXX XXXX ). Contacted XXXX XXXX at Barclays ; suggested that I fax or email the legal copy of the returned check from XXXX. Successful transmission via fax at XXXX at XXXX. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; potential review/reopen of case for adjustments to be applied on XXXX/XXXX/16 XXXX/XXXX/16 Went to the XXXX XXXX XXXX for XXXX XXXX where Branch Manager, XXXX XXXX with my permission spoke with XXXX XXXX at Barclays. XXXX reversed the returned check fee of {$12.00} and asked to redeposit the check. We were told that was not an option but that the credit to my card would be expedited. The ref # XXXX XXXX/XXXX/16 Payment made to Barclaycard of {$200.00} including {$4000.00} withdrawal, {$160.00} cash advance fee, {$94.00} in interest. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays ; notated that the information had been sent to the appropriate department but that he would " expedite '' it. 
XXXX/XXXX/16 Received new Sallie Mae Mastercard statement without credit with a payment due XXXX/XXXX/2016. 
XXXX/XXXX/16 Contacted XXXX XXXX at Barclays : stated that a letter had been sent to my attention on XXXX/XXXX/16. Stated that she needed to contact settlement department. No resolution notated on my file.

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 12-10-2015 about Consumer Loan (Installment loan) with COMPUTER SCIENCES CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: In 1991 my wife and I received a XXXX loan due to the earthquake in California. After a year or two they sold the loan to CSC Logic. For the last 22 years I have been trying to secure an annual statement from them showing beginning balance, payments, total interest, principal reduction and ending balance. I can not get to any managers, officers or find the company online. The only information I can get is their a division of CSC

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/19/2017 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: Old information reappears or never goes away

Complaint: Originally This account was handled by  XXXX   XXXX   XXXX   XXXX   XXXX , in  XX/XX/XXXX , at some point it was transferred to the     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX  and was in deferred status but  XXXX  says that it was not in deferred status i n  XX/XX/XXXX ,  XX/XX/XXXX  an d that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am  XXXX  of a small  XXXX , and have been working in and around the   XXXX   XXXX   XXXX   for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since  XX/XX/XXXX . Forward to   XX/XX/XXXX  t he old account has been closed and a new account has been opened and is being paid to a new company called  XXXX   XXXX   XXXX   XXXX , but the old account is still showing as derogatory and says to contac t Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my  XXXX , Equifax and  XXXX  credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my  XXXX  Report after a Hard Pull.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.

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 12/29/2017 about Vehicle loan or lease (Loan) with LENDMARK FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. 

XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX  purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I notice tonight that my Credit report had a hard injury on it that I know nothing about. The company is XXXX XXXX. I did n't try to get a loan with this compay. Could you please get this checked out for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Billing disputes

Complaint: This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.

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 01/29/2017 about Credit reporting () with SYNCHRONY FINANCIAL (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I paid my account down in a large lump sum to decrease my utilization under XXXX %. Every time i make a payment the company reduces my credit card by the amount that i pay down. Its reflecting on my credit report as if i am maxing out my credit limit but i am not. I am paying it down and synchrony bank keeps reducing to show that i am almost maxed out., and they continue to do this without my knowledge. They do this overtime. I have been a costumer for over 5 years now with all my credit cards and have never been late on payment.

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 09-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When my student loan was transferred from XXXX to Fedloan Servicing in 2012, Fedloan refused to honor a year 's worth of payments I made toward public service loan forgiveness because XXXX had me on an incorrect repayment plan. Yet, XXXX acknowledged their error in writing and agreed to count my payments prior to transferring the loan. XXXX also informed me that my qualifying payments should have been accepted upon transfer. Still Fedloan refuses to accept them. 
I have sent Fedloan the letter from XXXX XXXX, but they refuse to acknowledge the payments. In addition, I have contacted the Department of Education Ombudsman 's Office with the same outcome. 
How is this legal? XXXX admitted they made a mistake, agreed to honor my payments IN WRITING ( in fact, they were even honoring more than I expected ... I really only expected them to honor my {$500.00} payments and not forebearance payments, which they also honored as qualifying payments ), and yet Fedloan refuses to allow the payments to count. 
I have been told there are about XXXX of us that this happened to - put on wrong plan by XXXX, who admitted mistake and agreed to accept wrong plan payments, only to have Fedloan deny them upon loan transfer. You can find others with similar stories on the internet, such as the following site where I once posted : XXXX I am attaching all correspondence with XXXX XXXX and Fedloan Servicing ( in order from earliest to most recent ). I also have recordings of conversations with Direct Loans stating all payments should have been transferred and accepted by Fedloan Servicing. 
Your assistance would be greatly appreciated. Without help, Fedloan will succeed in denying me over {$5000.00} in payments that XXXX XXXX accepted. Not to mention, Fedloan is denying an additional {$370.00} payment because they claim I paid it too early. Seriously? And there are countless others like me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Here the nutshell version ... ... .My ( now ) ex-husband and I filed for divorce in XXXX, and I moved out of our house in XXXX that year. As part of the divorce proceedings, we also ended up having to file for bankruptcy which was finalized/discharged in XX/XX/XXXX. Shortly after that, believing that the bank would soon be taking over the house, my ex-husband also moved out of the house. Bank of America, the mortgage holder on the house, was notified of the divorce proceedings and the discharge by our bankruptcy attorney. B of A continued to send statements to us, requesting payment on the mortgage & home equity line. I made multiple calls, advising the bank of the bankruptcy discharge, and I faxed the Discharge Notice to B of A at least XXXX times over the next six or eight months because nobody seemed to have any notation of it in our file. This has literally gone on for years until I finally filed a complaint with the Consumer Financial Protection Bureau in XXXX XXXX. Once I filed the complaint, B of A " expedited '' the processing of the discharge and it seemed like everything was going to move along swiftly. When there was a lull in the processing, I filed a XXXX complaint with the Consuer Financial Protection Bureau ( in XXXX XXXX ), and B of A seemed to get back on track. However, B of A STILL has not completed this matter. I really do n't know what else to do ... .... I 've tried contacting a couple attorneys to get some help, but nobody is interested in taking this on. I 've also contacted the XXXX who says they ca n't do anything .... B of A continues to drag their feet, and I am feeling like this is bordering on negligence on the part of the bank. Nobody seems to know where I should file any type of formal complaint against the Bank - who does Bank of America answer to? There must be some governing body that they report to .... What are my options at this point? How do I get the bank to actually expedite and finalize this matter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is U.S Bank for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I co-signed for a private student loan for my daughter in law and when she filed for bankruptcy, the loan obligation transferred from her name into mine. The loan obligation to the loan was reinstated inadvertently to my name - according to AES. At no time did I receive a phone call or letter regarding this issue and as of XXXX XXXX, this started to appear on both of our credit reports, causing catastrophic credit issues. This loan has been past due since XXXX without anyone 's knowledge until XXXX. The past due balance is more than either party can afford and after months and months and several attempts to resolve and issue a feasible payment arrangement with AES, we are still being told there is nothing that can be done. We were told that AES will reach out to the original lender ( which is no longer active ) to see if they can work with AES to resolve the past due and bring the loan current but we still have not received an updated status and we have been calling weekly. We would like to pay on this loan and move forward but we can not find any help. We just bring the past due balance current and remove the past due fees that have applied due to the fact that AES never informed either party that the loan was reinstated. My daughter in law has been paying current loans with AES timely and was never informed that this loan was past due until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Non-federal student loan) with Patenaude & Felix APC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once. 
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month. 
XXXX XXXX XXXX turned out to be a scan as well. 
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix. 
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me. 
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.

Company response to consumer: Closed with explanation