milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Student loan (Federal student loan servicing) with ACS Education Services (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was told by a ACS/lender I had a loan from the institution I never attended. The name of the school was XXXX. When I did more research on this school it has been closed since 1997 for defrauding consumers by authorities. There was also settlement reached on 1997. My lender is not cancelling this loan rather they are adding interest to the principal and forced me to pay it. I am paying this loan {$11000.00}, because I do not want my credit to be spoiled. I feel this unfair practice. Please advise me how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: They have increased my interest rates XXXX times since they bought our loans from XXXX. 
I NEVER agree to ANY rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: On XXXX/XXXX/15 I received via your website a letter from Debt Recovery Solutions that they were going to remove the Trade Lines from all XXXX credit bureaus. That has yet to be done instead. Debt Recovery has validated the accounts with all Credit Bureau 's XXXX separate occasions which has hit my credit score tremendously. They have verified that this was a new Collection account on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 on XXXX, XXXX and XXXX XXXX. Also on XXXX/XXXX/2015 they again verified the account is valid and it had hit my credit score again. This negative invalid trade line was suppose to be removed as of XXXX/XXXX/15. Now why are they doing the direct opposite of what they are suppose to be doing

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Private student loan debt) with Williams, Rush & Associates, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I did not receive my regular monthly billing statement for my XXXX XXXX XXXX backed credit card account. Upon receiving notification from the company that the payment was late via telephone, I traced my email records and found they did not send the statement. I contacted the company to resolve the issue and THEY CONFIRMED they had an issue sending the statement and that it did not go out that month. Even after admitting the company had an issue, they refused to refund me the late fees. Therefore, I requested the amount due minus the late fees and paid that amount in full. The remaining amount on the account is 100 % late fees charged to me but are a result of a technical issue which prevented the company from sending me my monthly statement. 

The XXXX XXXX XXXX representative admitted it was an issue caused by the system of the company and not my fault. I refuse to pay a late fee to them as I was not to blame. I paid off my account balance in full and the remaining amount is the unwarranted late fees which I am disputing. Please help me resolve this issue and remove this false claim reflecting negatively against my credit worthiness. 

Thank you in advance for your assistance.

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 08/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I pulled my credit report in hopes of making a purchase and realized there were accounts that were opened in my name that I did NOT open! My car was broken into and wallet was stolen, this is a case of fraud and identity theft!

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 05-11-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XXXX   XXXX   I attempted to make a withdrawal from an atm for {$200.00}. The ATM only dispensed {$20.00}. I contacted  XXXX  by phone and explained to them the issue. I was told to go to another ATM and try again.  XXXX  minutes later by the time I arrived at another ATM they had locked my account leaving my family without access to ANY money for  XXXX .     After many hours of arguments with  XXXX , they closed my account. They agreed to send me a bank check.but without any way to cash it, it would not help me at all for the holiday. The sent a check fedex that was not received. the replacement was sent with signature, we received that one. The check received was not for the full amount in the account. The check was for  XXXX  not the balance in the account. I was told they would send me the balance in a week or  XXXX . It is now  XXXX  The current balance shown does not take into account As of today the account shows a balance of  XXXX  that does not take into account the check for  XXXX  sent on   XXXX   XXXX    The current balance should be {$370.00}.   I have been trying for weeks to get this cleared up and keep getting canned and at time rude responses.     It has now been 6 months I do not understand why they are doing this to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2015 I have been receiving frequent or repeated calls from this unknown company ; the most recent number was area code XXXX. 
The first caller asked for XXXX XXXX and I mentioned to him that you have the wrong number and asked him please do n't call again. The second caller asked for XXXX XXXX and I told the female Representative that you have the wrong number and I was asked, " Do I know the this person? '' I also asked for the company not call again. Minutes later I called the same number back to explained about the first caller and wanted to know who or where I could make a formal complaint. It did not go well. Today I received a call from the number listed above and was asked to speak with XXXX and later asked " Do I know a XXXX XXXX? '' and that the conversation was being recorded. I just placed the phone on the bathroom sink and after a long pause it hung up. 
I felt that whenever I tell a caller that you have the wrong resident and the wrong phone number Why am I 'm being asked if I know this individual? The answer to it all is out right flat NO! 

It became clear to me this company intend to harass me XX/XX/2015 and I will not stand for this treatment. I need help and I am ready to suit. I expressed that I pay all my bills, getting upset will not help my current XXXX XXXX, I not hiding and I refuse to change my phone number that I owned for decade or more and that I was going to document these calls and report it to the State Attorney General, and now I want to add the XXXX. Can I please get some help about the callers asking for the wrong persons?

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (FL).
Issue: Loan modification,collection,foreclosure

Complaint: i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you money

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 09/16/2016 about Debt collection (Medical) with ESCALLATE, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. 
Thanks you.

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 05/18/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: We received a letter from Wells Fargo Auto Finance stating that we have paid in full and satisfied the requirements of our Auto Loan, however they are reporting our loan as transferred and charged off instead of paid in full for the original account. Wells Fargo transferred the loan within their own company after the loan has been already satisfied. The loan has negative impact on our credit report and the bureaus refuse to change it after we have provided proof of a Wells Fargo Letter stating the original loan has been paid in full and satisfied under the original conditions before Wells Fargo did an internal transfer of accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Credit line increase/decrease

Complaint: Capital One sent me an approved credit card with a XXXX XXXX dollar limit. This sounded like a good idea since my XXXX credit score was obliterated due to a house staying on the market for twenty months from XX/XX/XXXX to almost XX/XX/XXXX while trying to pay the new mortgage on the house we had moved to. After having the new Capital One card for a short period of time, they began sending me e- mails telling me that if I would update my personal info they would increase my line of credit. I did n't want an increase so I NEVER updated my profile. They increased my credit anyway. Because our finances have changed for the worst over the last several years there were many times I used the card still thinking I could get the balance under control. We are a family of XXXX living on XXXX annually, not so easy to do. Capital One offered me another card with no interest for nine months. I decided at least I could switch the balance since the previous card 's interest rate was now around 23 % and my balance was getting high. After I received the card I was told I could not transfer my previous balance to the new card so I was stuck. The first card has such high interest and I was trying very hard to pay it down but to no avail. Then with the new card they kept increasing my credit, again without me requesting this. Now the promotional interest rate is gone and the new rate is around 25 % just like the other and no matter how much I sacrifice here at home I ca n't get my head above water with reducing my balances with these XXXX Capital One cards. I understand I am responsible for what I charged. It just seems to me they are even more responsible and their predatory practices should be investigated. They are taking great advantage of the consumer. I know I 'm not the only one. My only goal was to help repair my credit. Now I am XXXX in credit card debt to these people and I do n't even know how it happened. It happened so fast. I have always been very responsible with my bills, but these last seven years have been like a financial nightmare. I wish I just had my bad credit and had never heard of Capital One. It is definitely affecting my health. I feel like a fool. Thank you so much for the chance to tell my story and I hope it will help other consumers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with GUARANTEED RATE INC. (TX).
Issue: Closing on a mortgage

Complaint: I was completely misled about the services Guaranteed Rate ( " GR '' ) was able to provide. 

I began the refinancing process in XXXX on an investment property and was very upfront on the particulars of the transaction I was looking to undertake. Specifically, I let the lender know that I was refinancing an investment property that had been purchased a few months earlier ( XXXX XXXX ) in an all cash transaction and that I wanted to refinance to get take some equity out of the property and redeploy it into another project. I was assured that GR could handle this and proceeded to apply for a loan only to have my terms changed and delayed time after time to the detriment of my business and personal credit. The process was incredibly disorganized, opaque and basically made it clear that GR was NOT able to provide the financing they claimed the could and that they were not dealing fairly. 

It is important that other investors / borrowers know that Guaranteed Rate is misrepresenting their abilities as a Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax disregarded established and respected security principles in their handling and storage of my sensitive, personal data, and in doing so created a potential for risk which was not authorized by myself as a consumer in any fashion. As a result, the private, identifying information of myself and millions of other Americans has been made available without my consent, and may potentially have long-standing financial repercussions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Payday loan () with Alliant Capital Management LLC (MN).
Issue: Received a loan I didn't apply for

Complaint: I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: We pay bi-monthly payments. This comes out to XXXX payments per year and the equivalent of XXXX payments per year of full principle. We have been doing this since XX/XX/XXXX. Yet as of today Wells Fargo has not applied one completely principal payment. We did have a situation in XX/XX/XXXX where we switched our personal checking accounts to a different institution, thus delaying a payment by XXXX days. I know by doing this we may have offset the full principal payment schedule, however this happened in XX/XX/XXXX and here we are in XX/XX/XXXX and Wells Fargo still has not applied one of our payments as " principle only! '' It does not make sense. I called Wells Fargo and they stated that our first principle only payment will not occur until XX/XX/XXXX. How is it possible that it takes from XX/XX/XXXX till XX/XX/XXXX to make a principal only payment? It should be one every XXXX months! The operator could not explain. Can u help??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.

Company response to consumer: Closed with monetary relief