milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX. 

I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Representative called and the first thing I heard was that the call was being recorded and them asking to speak with my husband. When I notified them that they were calling his wife 's phone, they asked me for his social security number to verify who they were speaking with. I informed them I do not give out our information and they asked me to have him call, and tried to hang up without providing any information. They never announced the name of their company when I answered the phone, and when I asked for the name of the company, they provided it, and quickly hung up the phone without giving me a phone number. I reverse XXXX the number of XXXX from my caller ID to get their info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!

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 06/14/2017 about Debt collection (Medical debt) with American Credit Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to this urgent care due to  XXXX , I have insurance that pays for visits. I was seen by a Nurse because the doctor was seeing a patient who apparently was in a worst case scenario. Due to the diagnostic given by the nurse without taking x ray or any other precaution he determined that due to the fact that I was there before with   XXXX   he was going to diagnose me with  XXXX . I left the urgent care and called my insurance and informed them that I was not seen by a doctor but by a Nurse.     When I was billed I called the company and they agreed that the charges were going to be removed because I was not seen by a doctor, plus I had medical insurance that paid for my visit. I should not pay for a doctor that I never saw, plus the insurance will pay for any charges I have PPO. Now I see these charges in my credit report after  ( 5 )  years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My ex wife and I took out a Signature Student Loan from XXXX XXXX ( now Navient ) on XX/XX/XXXX for {$27000.00} so that I may attend classes at XXXX XXXX in XXXX, VA. 
Throughout my attempts to repay the loan, Navient would take the bulk of my monthly payment and put it towards the interest on the loan and apply very little ( and in some instances, absolutely nothing ) toward the principle -- -basically keeping me in financial indentured servitude. 
When I would fall behind on my payments, I was always steered toward forbearance which increased my monthly payment amount and basically postponed the inevitable-not being able to keep up with monthly payments. Repeated and urgent requests for fairness in the form of payment reduction and refinancing the loan were immediately denied. 
This loan, which is now more than 9 years old, now sits at {$28000.00}. 
Please note that XXXX XXXX closed it 's doors inXX/XX/XXXXand had several Class Action Suits filed against it as they took the tuition from students who were not allowed to complete their courses. In addition, those of us who had graduated were denied the lifelong career planning and placement which was promised as part of our tuition. 
XXXX XXXX, now Navient, was the only lender available to the students at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian are willfully reporting inaccurate information on my credit report Acct XXXX # XXXX XXXX # XXXX I disputed XXXX accounts they were showing open and delinquent past due. After the dispute it now states zero balance and closed. I Also disputed with XXXX and they removed /Deleted off of my credit report. All XXXX Credit bureau 's need to report the same information but Experian Has not Remove/ deleted the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Today I contacted XXXX XXXX XXXX XXXX and informed that the debt in question had been charged off in XX/XX/XXXX.I do not see this debt even listed on my credit report as well as no public record. I was originally taken to court back in XX/XX/XXXX and because I was on ssi the bank wrote the original debt off.

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 03-01-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I tried to switch TV service to XXXX. Several attempts were made to get my credit infor from Equifax. XXXX only uses Equifax. First Equifax advised that I have a security freeze. I do not. I have fraud alerts due to identity theft XXXX yrs ago. The reps were impossible to understand their English. I was told I needed to write to get the security alert lifted. This is incorrect as I do not have a security freeze. After several calls over 5days, I was told that XXXX needed to only use my XXXX . XXXX would only submit with XXXX. 4 times I went to XXXX. XXXX reported XXXX ordered by credit report and gave their sales rep a ref. number ( total XXXX ref. numbers as their sale rep still could not get my credit infor. Equifax has done this to me before. That is how I knew it was not a security freeze. These errors cost me money. I still do n't have XXXX service ( choices in area are limited ) and I have a " hard inquiry '' on my account. Credit reporting agencys have too much power and abuse it. I ask that both XXXX and XXXX be contacted and my " hard inquiry '' be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, Transunion and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with Transunion, XXXX and XXXX. According to XXXX XXXX monitoring credit and scores my Transunion credit scores is at XXXX, XXXX XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a XXXX Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report XXXX, Transunion and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XX/XX/XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX  .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXXt .XX/XX/XXXX 6XXXX XXXX XXXX XXXX 7.XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures

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 07/29/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN SOUTHWEST MORTGAGE CORP. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this letter about mistreatment by American Southwest Mortgage and I contacted them for assistance with my mortgage payments and the loan being serviced by XXXX Mortgage XXXX and dealing with XXXX XXXX - Loss Mitigation Specialist and she advised that American Southwest Mortgage will only consider extend the terms and I asked for other options and she said a person by the name of XXXX XXXX with XXXX XXXX Mortgage spoke with the CEO and he agreed with the decision and I called XXXX and called the CEO spoke with XXXX and she advised that the XXXX does not speak to customer and I stress to her how important it is for me not to have any late and now they are reporting on my credit the XX/XX/2016 late and due that my job could be in jeopardy and I made a principal and interest payment and I asked XXXX over and over about my credit and now I could lose my job due to that late and also my house because they would not even consider any of the options and the reason I am having problems, please look into how they treat there customers when it comes to seeking help to keep your home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (I do not know) with GMA Investments, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls on my cell phone from a summit receivables saying that I have a debt to be paid. I call back the number that shows up ( a local number of XXXX ) but the place has no clue as to who I am. The number they leave in the message is XXXX but when i call they want me to give a lot of information that if I had an actual debt with them they would have. I 've asked for verification of the debt they say I have but none is forthcoming and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.

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 07-11-2015 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have started and paid for a monthly fee to monitor and dispute inaccurate information on my XXXX bureau report through Equifax. For the last several years, although I have proven that I have paid the accounts in full, and also provided the release of lien information, the bureau 's continue to state that the trade line will remain unchanged. I have been unable to get credit, purchase a home ( which would reduce my living expenses by {$600.00} per month, and have been harmed as I have been paying monthly for the service that does not do what they say they will do. The disputes I have submitted, even with proof have remained unchanged. The liens in question are from XXXX XXXX County for the State of CA FTB. I have verified with CA FTB the account is at a XXXX balance, yet they have not yet published the release of lien. I have also requested this several times. Therefore this complaint is also filed against the state of CA Federal Trade Bureau for not reporting the lien as released or resolved in a timely manner which has not only affected my credit report but also my financial capacity to borrow money, be seen as credit worthy, and has cost me money each and every month for the membership to Equifax to attempt to resolve these issues. I have called FTB on many occassions as recent as XXXX/XXXX/XXXX. The wait time to speak to a representative is up to nearly 3 hours. When I do speak to them, it is verified the account is at a XXXX balance and that I am in good standing. I am told the lien will take 2 weeks to release, but as of 3 weeks ago when I was last told this the lien has not been released. I lost the contract on a property as this is one of the major issues we could not overcome. We have nearly {$4000.00} invested into the purchase contract which is now lost and cancelled. I am considering filing a lawsuit to recapture these losses and the monthly expenses for the membership, as well as puntative damages. The liens were filed and should have been released no later than XX/XX/XXXX. In XX/XX/XXXX I began to request the liens be released. To date the liens are still active. Going to FTB website they recommend contacting the bureau 's to resolve the mis-reporting. I have done this however, the bureaus indicate that FTB has to initiate the release. Either way, neither is doing anything about the lien although the accounts are all at a XXXX balance and I am in good standing. I wish to be made whole financially as well as have my credit restored to the condition it would have been if not for the mis-reporting and delays.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Application processing delay

Complaint: I have been a good customer with Wells Fargo since XX/XX/2007. Everytime I need to talk to someone I get put on hold or get disconnected. I have tried to close an account and they have a XXXX - XXXX day process to close account. I make a telephone payment and request the account be closed and they wo n't close account. Today I have spoken to more than XXXX agents spent more than an hour disconnected twice. Wells Fargo should not be in business if they can not look after their customers.

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