milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2018 about Debt collection (Credit card debt) with Atlanticus Services Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX  continues to tell me that I owe. Several times I had told XXXX that account had been satisfied. I sent an email telling XXXX account was satisfied. I have forwarded XXXX a copy of receipt that account was satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX of 2015 I ask that a dispute get started for something that showed up on my credit report. After the XXXX days was up on the investigation I sent another letter telling them to remove the item because they did not complete the investigation. I have not heard anything from the yet and it has been months since I first asked them to start the investigation. On XXXX XXXX they wrote a letter and sent it to me stating that " Suspicious requests are reviewed by experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. We will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " This is not following the guidelines but even if it were, I went on the internet and people say to send more ID showing you are who you are. So that is what I did. A SS Card, ( 2 ) state ID 's and a military ID. They will not respond to any of my request. This debt like many others that they refuse to investigate is n't my debt and I am paying the price with a bad credit score because of someones mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT RESOLVE GROUP LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX of Contract Resolve Group L.L.C. in XXXX, Texas wo n't let up. He is slandering our name and business all over the place. Calling my boss at my job, calling our landlord and other people who have nothing to do with this bill owed and telling them how much we owe. This should be considered unfair practice. This debt owed is no one else 's business.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Consumer Loan (Installment loan) with Stellar Recovery, Inc. (MI).
Issue: Shopping for a loan or lease

Complaint: Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 'm currently trying to pay back my student loan in the amount of {$35000.00}. Navient said according to their system once they plugged my numbers in of how much money I make and my bills, that I 'm able to afford a {$180.00} payment plan. I have n't been able to pay that monthly bill because I ca n't afford it, it 's too high for me at the moment, and I do n't understand how their system can tell me what I can or can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.

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 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Why does my interest rate keep increasing and decreasing at random? I have been paying on this loan sinceXX/XX/XXXX and the principal and interest keeps flucuating. Example : on XX/XX/XXXX the interest payment was {$120.00} but on XX/XX/XXXX it was {$130.00}. On XX/XX/XXXX the interest rate was {$120.00}. 

This is a Wellsfargo account, and I have automatic payments. Please help with this concern. 
Thank you, 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 02/17/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently filed a complaint against Midland Funding and since they responded to the complaint with their normal copy and paste response they have increased the amount they are trying to collect by almost 50 %. Last week their website and my credit report showed a balance of {$660.00}. Since I filed a complaint they removed balance information from their website ( screenshot provided ) and later disabled my ability to view my balance. They also updated my credit report showing a past due amount of {$960.00}. I have attached a screenshot of this also. They added {$300.00} to the balance in one day. In their response to my previous complaint they told me to contact a law firm and appear to be adding on additional charges. Something needs to be done about the tactics this company uses.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There were liens on my credit report with the XXXX of Mississippi Revenue XX/XX/XXXX. I called an spoke with XXXX XXXX of the State of Mississippi Revenue office. I was informed that a new computer tracking system was put in that pull all information of business that have not filed there taxes or owe taxes. I had not been in business since XX/XX/XXXX, ( nine years ago at the time ) and had not lived in the state since XX/XX/XXXX. This lien was caused by not filing a " XXXX '' return and informing the state that I was no longer in business. I Did Not Owe Any money. I was instructed to send XXXX XXXX tax returns and the final return request account to be closed. I did and the lien was cancelled not satisfied as if I had to pay any money. I sent this documentation to all XXXX credit bureaus immediately. XXXX and XXXX removed the liens, Equifax refused stating it was a record of fact that I had a lien and refused to remove the liens. Equifax is still reporting a lien from XXXX as well that was in error. I am attaching the corresponding documents and communication with the Mississippi Revenue representative. I had to send the same information to XXXX XXXX my credit union when I was trying to purchase a home, who accepted it. I am requesting an investigation of Equifax relationship with member creditor 's requesting all previous credit discrepancies like mine continue to be report. Even if the error was on the creditor, state, federal or pubic record. This causes lower credit scores for the consumer and reward the creditor 's the right to charge higher interest rates. Most consumers do not have the ability to fight the credit bureau or the creditor 's. We desperately need your help with this matter for all consumers sake. 

XXXX XXXX Sales tax Lien XXXX XXXX ( XXXXXXXXXXXX ) Attachment XXXX/XXXX/XXXX Documents To : XXXX XXXX XXXXXXXXXXXX Active ViewXXXX XXXX XXXX XXXXTax AnalystXXXX. XXXXThis e-mail is advisory only and is not binding on the Mississippi Department of Revenue. For more information, please seeXXXX 
Effective XXXX XXXX, XXXX, Mississippi will implement a Statewide Tax Lien Registry. For more information, please visit http : XXXX & gt ; & gt ; & gt ; XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX/XXXX/XXXX XXXX XXXX & gt ; & gt ; & gt ; ActionsXXXX XXXXXX/XX/XXXXTo : XXXX XXXX Good morning, I am contacting you because there is still a tax lien on my credit from XXXX XXXX. I have called them and was told it is coming from Mississippi state sales tax and it will be removed when the state removes it from the credit bureau. Can you please check into this for me. I am in the middle of closing on a has and was told I needed to pay this or show proof that this has been taken care of and will be removed from my credit report. I am due to close on next Tuesday. I was told this late yesterday and I know this is a short notice. I can be reached at XXXX these numbers : XXXX or XXXX. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction issues

Complaint: ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND. A REFUNDED CAN NOT BE RETURNED TO THE ACCOUNT BECAUSE THAT ACCOUNT HAS BEEN CLOSED AS A RESULT OF THIS MATTER. ON XXXX/XXXX/2015 I SENT XXXX TO WESTERN UNION VIA ELECTRONIC BILL PAY IN RELATION TO MTCN XXXX AND STILL HAVE NOT RECEIVED THE FUNDS OR A REFUND THIS ALSO CAN NOT BE RETURNED TO MY NOW CLOSED CHECKING ACCOUNT AND WU HAS BEEN TOLD THIS OVER AND OVER. I RECIEVE NEW LIES FROM THEM DAILY ABOUT WHERE MY MONEY IS AND THE REFUSE TO FOLLOW THROUGH WITH THE TRANSFER OR HAVE MY FUNDS READY AT A LOCATION FOR PU IN CASH. I AM BEING EVICTED FROM MY HOME AS A RESULT, MY XXXX HEALTH AS WELL AS XXXX HEALTH HAS BEEN DRAMATICALLY EFFECTED ( I AM XXXX ) THERE SEEMS TO BE NO END IN SIGHT AND I AM NOW ON THE STREETS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank is blocking me from my online account. The Wells Fargo XXXX website has many complaints of this type. I have tried to log onto my account on several different devices and ISP 's and I 'm still blocked. I have spoke to their Tech department and I am getting the run-around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts

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 02-07-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid through XXXX XXXX. I have spoken with wakefield and associates on numerous occasions. I have also provided supporting documentation.

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 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: All of my student loans are showing original principals lower than the ones I am seeing as current principals. Why am I being charged hundreds more in principal than what I originally took out. For example, one of my loans is saying the original principal and amount taken out was {$2000.00}, yet the loan 's current principal is {$2100.00}. How? 

Also, why is it that my loan has remained over {$15000.00} when I have been paying on time and for 5 years? A rough guesstimate shows I 've paid over {$4000.00} in payments and yet it does n't appear that I have. I have never defaulted on payments or skipped a payment. I have paid off 2 car loans in these 5 years, which shows that I am making payments and progress on those, yet my school loans show no progress. Why? 

I would also like to know why it is that I am not allowed to pay more up front for my loan and why I ca n't decide where my payments go.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Student loan (Non-federal student loan) with KEYCORP (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Obtained student loan in XXXX in the amount of {$28000.00}. The balance is now over {$58000.00}. At one point i was on a payment plan but was removed from the plan after a year and never received information about re-enrolling in the plan. I fell several months behind, my credit was badly affected, and can not afford the new monthly payments. I called and spoke with a representative from navient on XXXX/XXXX/XXXX. We agreed to lowering the payment to {$320.00}, which I was hesitant about because that is still a high payment for my current situation, but ultimately I want to pay this thing down so agreed. The representative stated the payment would be auto drafted on the 3rd of each month, but they needed a payment that day. I told her I could not afford it until XXXX/XXXX/XXXX. She said that was fine, and it was auto drafted on the 30th and again 3 days later on the 3rd. So I paid navient {$640.00} in a 3 day span! Why could n't she off my first payment be made on XXXX/XXXX/XXXX?! After the XXXX/XXXX/XXXX payment was auto drafted, I get a letter in the mail stating I do not qualify for the repayment plan I already started! This is unacceptable and extremely frustrating. I have now paid navient about {$1000.00} on a repayment plan that will not put a dent in my loan and I will not be able to recoop. Had I known this, I would have rather tried forbearance. I want to pay my loans off. I do not want to be in debt forever. But it seems that is what navient wants, it 's cash cow. I propose an interest cap where the balance is 150 % of the original loan. Forgive {$15000.00}. I will pay {$45000.00} at 0 % intrest within 11 years. Please Help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Im in a ARM mortage loan on my house and have had the same loan for 11 years, I have never been late or missed a payment to them ever, My credit score has gone up but my income has not, Therefore I can not Qualify for a new loan, They keep raising my interest rate and have raised it several times even when interest rates were going down. I do not think that they should be able to do this it is starting to put me in a position to not be able to make my payments, I understand I signed an ARM but was told by my lender they would only adjust with interest rates, The rate would go down when rates went down and up when rates went up. 
Is this legal or ethical?

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 01-06-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sent in dispute to Equifax that my loan was paid off and that XXXX loan was off my records as well as XXXX, still have n't seen a correction of my score or fix as well as my credit keeps getting ran under both bereaus and my score keeps getting lowered causing me not to be able to afford another nice car and or get into my own house. 
It has ruined my chances of a loan cause people ask if it 's a repossession or a paid of repossession, and it 's not the account was paid off in full after being totalled by me. Has n't been corrected with the bereaus

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Consumer Loan (Vehicle lease) with CRESCO CAPITAL INC. (MD).
Issue: Managing the loan or lease

Complaint: I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.

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