milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2015 about Credit reporting () with CORELOGIC INC (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I HAVE SENT XXXX REQUEST FOR A FULL FILE DISCLOSURE TO CORE-LOGIC/CREDCO AND EACH OF ITS SUBSIDIARIES AND PARENT COMPANIES, REQUESTING A FREEZE DUE TO THE IDENTITY THEFT ALONG WITH A PLETHORA OF LAW ENFORCEMENT REPORTS. TO ABSOLUTELY NO AVAIL. THIS IS ABSURD AND NEEDS TO BE CORRECTED IMMEDIATELY AS ITS A VIOLATION OF THE FCRA AND FACTA AMENDMENTS GOVERNING RED FLAGS AND ID THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other fee

Complaint: Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Someone stole my ATM card and PIN number. Now, because the thief used my card in the vicinity of where I live and possibly at a merchant I 've visited in the past, they say I 'm responsible. I have no control over what a thief does with my stolen card. 
U.S. Bank did n't even research my claim. They just brushed it off and denied my claim!

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 04-11-2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was unauthorized. I am a victim of 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 09/17/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.

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 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I dont have credit card XXXX XXXX XXXX in my name and Social security

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Service, Inc. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I attempted to notify the person calling of a change of address and they told me it is not their job to keep that information. They were supposedly sending information to an address that I have not lived at for 10 years. My family is receiving threatening phone calls and i have received emails threatening to take my exempt income, lose my job, seize my retirment fund and so forth. I tried to speak to a supervisor who told me the same thing, that it is their job to basically hunt me down, not help me. They were threatening to file papers with XXXX XXXX and again I asked to provide a new address and they refused. I received no bills from a collection agency in reference to this matter and I asked for them to mail me a copy, and they refused. They said they made an offer and I refused it, which I did not, I asked for them to speak to my mother and instead they refused to work with me or her. She tried to talk to the supervisor and he was very rude and hung up on her. To date I still have received no copies of bills, only harassing phone calls to my family and threatening phone calls to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Have been receiving harassing phone calls from Focus Receivables Management for past 3 days ; each time I answer the call, the caller 's system hangs up the call. The number they are calling is on the national and state do not call lists. As a result of this, I can not even attempt to validate the debt in accordance with the FDCPA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Transaction issue

Complaint: On XX/XX/XXXX, I completed a purchase using my American Express Credit Card. The purchase was through XXXX XXXX for a concert that would occur XX/XX/XXXX. When making the purchase in the amount of {$360.00}, I should have received an email confirmation of my purchase and online tickets to be used at the event. After contacting XXXX initially I was told that the confirmation would be provided 30 days prior to the event and that I would have to check back at that time if I did not receive my confirmation which made sense at the time of my call. As the event came closer I continued to check my email for confirmation of my purchase but never received the tickets or the confirmation. 
The only confirmation that I had was the charge that showed on my credit card dated XX/XX/XXXX. I also made payments on that credit card as agreed including principal and interest. Once it was within 30 days of my event, I then made follow up phone calls to XXXX and was told that the purchase was not made and that XXXX had not received a payment from me or American Express. They further instructed me that I would have to contact my credit card company because American Express had not processed my payment for the purchase. 
As the time of the concert came about, I then made a second purchase of tickets for the event as I had been told by XXXX that my purchase was not complete and that I would not have access to the event because I did not purchase tickets. I made that second purchase on XX/XX/XXXX for an additional {$360.00} and the sale went through as agreed. 
I then contacted American Express and filed a claim as instructed by XXXX that the payment was not processed as agreed. American Express then provided documentation, claim reference # XXXX that the payment had been made. I again called XXXX and this time I talked with a lady who identified herself as a supervisor named XXXX, employee id # XXXX, and she again said that my purchase had not been processed and that I would have to contact American Express. 
After several additional attempts with both parties, I find myself in the blame game between XXXX companies who do not want to acknowledge fault. XXXX contends that they did not receive payment for the tickets and will not reimburse me for the tickets that I should have received. American Express contends that they made payment and do not have a liability whether I received my goods or not. My only goal at this point is to receive a refund of {$360.00} for the merchandise that I purchased but did not receive and I hope that the CFPB can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company has reported false and inaccurate information on my credit report. They have reported this information to Equifax and  XXXX  using different company names, different account balances, etc. I have contacted  XXXX  to request that they remove this false and inaccurate information and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Financial Management Solutions (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call is for my XXXX year old mother who is in a XXXX home and is XXXX pending XXXX calls a night from XXXX XXXX '' XXXX.FMS Financial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I do n't know the dates it was back in XX/XX/XXXX, XX/XX/XXXX... im not sure of the amount it sseems to keep changing. I had a job they were taking money out twice a week.. the amount never went down there 's no way im ever going to get this repaid i ca n't pay them and they want half the amount but did n't send any information. I need this to stop im not working yet my credit score keeps going down so i cant get a car, a house or anything i need and i ca n't go back to school they say until its all paid off and i need to get back to school to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: American Education Services h as already reported me 30 days late, and I just received another threatening e-mail from them that they are going to report me 2 months late! I am in an approved forbearance. I just had to send them a payment of {$760.00} so that they hopefully not report me late when I am in an approved forbearance. I have already filed a complaint to have th e 30-day late removed. If they report me 60 days late, then I will have to fight to get the 60-day late removed when I am in a FORBEARANCE.   <P/> They approve forbearances, then they send me bills while I am in forbearance and they charge me late fees. I have attached many bills from them where I am clearly in a forbearance but they are still sending me bills and charging me late fees. I had 12 months of forbearance available to me in    XXXX   XXXX   XXXX   and they   continuously make me apply over and over and over again, every 2 months, even though the application clearly states that they can grant you up to 12 months with  one a pplication. Then in the processing time periods between applications, they harass me for a payment until they " approve '' my next forbearance for all o f 2 or  3 months. Then I make payments, like I did in    XXXX   XXXX   XXXX  , and  then they will backdate the start date of the forbearance to begin on a month that I MADE A PAYMENT, and then suddenly I have less a nd less forbearance available. The proof is there in the paperwork. My poor dad was my co-signer on one of my loans and because of this company, his credit score  dropped when he has credit scores in the  XXXX  and has never missed a payment.  <P/> CFPB, please help me with removing this late payment from my credit report. I need to refinance these loans and get away from this company and I can not do that with the late payment on my credit report. Because of the late payment reporting, my  credit score h as dropped  XXXX  points for a loan that I do n't even owe payments on because I AM IN FORBEARANCE. Please help me, CFPB. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Wells Fargo atm card was lost and fraud charges incurred. I spoke with Wells Fargo bank and disputed the charges via phone and submitted a letter to them for unauthorized charges. Wells Fargo did not take the matter seriously and said I used my PIN number for the charges and declined my claim. I never used any PIN number nor I know what my PIN number is? 
All fraud charges incurred without PIN numbers nor any signatures on sales receipts. Wells Fargo bank and their claims department is not truthful of their investigation. At this time Wells Fargo has not done anything to reconsider their decision and collect back my funds.

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 04-07-2016 about Student loan (Federal student loan servicing) with Experian Information Solutions Inc. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

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 10/27/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I had missed one ( 1 ) payment in 35 years of home ownership- that being one payment XX/XX/XXXX- NONE XX/XX/XXXX during application.. in XX/XX/XXXX I missed another as a result of their foot dragging. 
XX/XX/XXXX- begin HAMP application/s with XXXX XXXX, while applying, loan sold to Nation Star, now XX/XX/XXXX- had to start over. 
continued application process for nearly two ( 2 ) years- docs after docs after docs. HUD rep involvement/class XX/XX/XXXX, by XX/XX/XXXX- informed I was denied HAMP- apparently they sold the note in XX/XX/XXXX to XXXX prior to disclosure/ HAMP denial. I never received denial of all programs then available- never provided opportunity to appeal nor was a 'Tier 2 ' visited by said servicer- they simply sold the note in the middle of my application. In addition, I was informed in writing at least once of ineligibility as the loan was not XXXX- when in fact it was along with countless other tactics to stall. 
Also-the denial I DID receive said simply- " Borrower does not occupy residence '' ( never lived ANYWHERE else in 20+ years. 
Promptly informed XXXX was not 'obligated nor willing to offer a reduced mortgage or HAMP ''. 
XX/XX/XXXX- HomeSettlement sells loan to XXXX XXXX ( representing XXXX XXXX ) now having missed two payments XX/XX/XXXX XX/XX/XXXX and XXXX accepted {$1500.00} each month in XX/XX/XXXX & XX/XX/XXXX-I was informed XX/XX/XXXX that XXXX had become the servicer- purchasing with knowledge of the two short payments. 
Received notice of denial on XXXX/XXXX/XXXX, four ( 4 ) days after the date of the letter of denial via XXXX. 
So now here we are with an explanation of denial as except denial for ALL programs except 'Short Sale'This will not happen and I apprised them as outlined on their denial form, by telephone XXXX XXXX XXXX/XXXX/XXXX. 

One of the programs denied- requires unemployment.. now that I have returned to work- albeit sporadically this program is not applicable- though when I was unemployed and applying to Nation Star- I was never told this was a requisite- but now, as my life is improving a bit, this IS a requisite! 
I have been able to demonstrate XXXX/month religiously for several years and they describe the income as " not acceptable/ insufficient '' for most, if not all available programs. 
The documented behavior of Nation Star is an egregious/blatant misrepresentation of a Loan Servicer. 
not only did the OSHI ( an Oregon program ) fail me- providing ALL necessary documentation, they too misrepresented the program as ... " I own other residential real estate '' this is a blatant lie. 
The egregious misrepresentation of these programs is an obomination of power- contributing to the American Economy for forty ( 40 ) years- banks bailed out, monies provided to help- THESE PROGRAMS ARE A RUSE. 
OAR 137-020-0805 ( Oregon Servicing Rules ) Secretary of StateUnfair and Deceptive Acts in Mortgage/Loan Servicing has been perpetrated upon me at the least.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: A XXXX Telemarketer claiming to be from Midland Credit with Calller ID of XXXX XXXX XXXX keeps calling claiming we have dept with a sears credit card. They then ask to give them my social security number, when we refuse, they then as to us to confirm if a social security number is mine, and confirm our address. This company is a fraud and you should shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Not reporting correct amounts charging excessive fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (NE).
Issue: Fraud or scam

Complaint: XXXX. About XXXX, experian especially, XXXX XXXX, since XXXX they had discriminated me of my credit reports since XXXX, still not fixing everything right. I send i to you as well about my score, and experian is not taking off all of my student loans off because she had lied and changed the name and dated on their since XXXX XXXX nothing is suppose to be wiped off. And you are not being fair about my score and she keeps on dropping it. It 's why I need someone else to help and of my emails on phone as well. They respond back cause XXXX wan na sue you about my credit reports and they keep on ignoring to hold me back and to have someone else to get done for me. I know what I 'm doing by myself stuff. And ignore to me. So help me now please. I ca n't d it by myself. Or phone or emails. 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 03/24/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: THEIR IS THIS DEBT COLLECTOR THAT CALLS FROM SEVERAL DIFFERENT NUMBERS BUT I HAVE N'T RECEIVED ANY R WRITTEN COMMUNICATION FROM THEM. THEY DO N'T LEAVE VOICE MAILS.

Company response to consumer: Closed with explanation