milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/2015, I received a phone call from an online computer service provider. They told me they were going to refund my fees paid to XXXX. After hours of trying to connect, they scamed me into allowing access to my bank account information. Showing me they had an account at the same credit union. Anyway they claimed to deposited excessive amount into my checking, ( which was transfered from my savings. ) And that i would have to send them a money gram for the excess. I did all this and realized what they had done and cancelled the money gram in time to get my funds returned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a supervisor at this company. He ensured me everything was alright. and gave me a transfer id #. and showed me his account with XXXX XXXX XXXX XXXX. They requested funds be sent to a XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Payday loan () with America’s Financial Choice, Inc. (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX, but when they filed the wage assignment they sent it to my current employer " XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a " Notice of Revocation of Wage Assignment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient has reported negative information to my credit bureau on XX/XX/XXXX. 
I have a deferment that started XX/XX/XXXX. This is incorrect information on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. On XX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

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 03/23/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I had a credit balance on my credit card of {$330.00}, and I made a purchase of {$320.00}. Unknown to me at the time of the purchase, the credit card had just issued me a check for {$330.00} and I no longer had a credit balance. It was months later when I figured out I had an overdue balance on the account instead of a credit balance. When I knew this I called the credit card, and we figured out what happened. I made the payment that day of {$320.00} and the credit card was supposed to credit me the fees due to misunderstanding/communication. Now two months later they are still charging me late fees and interest on the fees. They also reported to the credit agency my lack of payment ... even though I did not know I did not have a credit balance. They have been very difficult to deal with. I would like the remainder of fees paid back to me and anything issued to credit agencies removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX graduate with $ XXXX in student loan debt Accepted position with XXXX with consideration of Public Service Loan Forgiveness ( PSLF ) program Condition of employment also included Student Loan Repayment Incentive PSLF program and Student Loan Repayment Incentive only available to " eligible '' loans per Department of Education Successfully received Student Loan Repayment Incentive for maximum time of 2 years Per XXXX XXXX direction, tilized Income Based Repayment ( IBR ) Plan to make payments towards student loans since fully amortized monthly amount is unaffordable. Confirmed that IBR Plan was acceptable repayment method for PSLF IBR requires yearly application to ensure eligibility Each year ( 5 years ) IBR status was reconfirmed as well as eligible PSLF status Continuously received affirmation from XXXX XXXX representatives that my loans were being paid towards PSLF 6th year an online PSLF verification form became available Received sudden denial of eligibility for PSLF HOW? 
6 year XXXX with at the XXXX with all on-time payments

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with I.C. System, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.

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 08-05-2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a personal loan with  One Main Financial  in early  2017 . I reviewed my credit reports earlier and noticed tha t One Main lis ted   XXXX  s eparate accounts on my  XXXX  and   XXXX   credit report s. One  of the account listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wa nt  XXXX   accounts listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Bank of America is always pushing new products to make money off people. The latest is that to get services one has had in the past ( IE -free safe deposit box ) one has to sign up for new products. In my case it was a be a premier customer which opens new ways for B of A to get money from you. 

I did ask about getting a pre-qualifying letter as I was going to make an offer on a house. I was called by a XXXX XXXX from BOA who is a Sr. Mortgage loan officer XXXX. I was very clear I only wanted a pre-qualifying letter and not apply for a loan. He summarily dismissed that and told me to meet him in person ( he was pushing about that ) and bring 2 years of tax returns along with other data which appeared that I was applying for a loan. 
I told him I was not applying for a loan only a prequal letter to which he said '' I am busy and I do n't know you '' I need this for a pre-qual letter. I know enough to know he is playing the oldest game in the book -- -- -- -the old bate and switch. He thought he would just be overbearing, aggressive, lie and get what he wants. What he needs is to be out of a job. 

it appears the bank are at it again, same XXXX that led to 2008 and no body to oversee them.

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 07/24/2017 about Debt collection (I do not know) with Media Collections, Inc (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING ME

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 09-03-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Late fee

Complaint: Over the past approximately six months, I have has problems receiving my mail. XXXX or XXXX pieces of credit card statements and my homeowner 's insurance bill were no delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner 's insurance being cancelled. 

I spoke with my local post office twice in person and the Deliver Supervisor said she would talk to my carrier and correct the situation. I also emailed the USPS about my situation. I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office which verified they were aware of my situation. The specialist said she got the Delivery Supervisor 's supervisor involved and would run a 10 day test on my mail to verify things were being delivered as they should. 

As soon as I learned of the late fee being charged on my CItibank credit card statement, I called them to tell them what happened. The representative I spoke with said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges. Only at the end of the call did the representative make it seem like there might have to be someone named and Account Services person to review/approve the late fee/interest charge refund. 

In the mean time, I signed up for online statements via email and for text alerts on my cell phone so I would know when statements were ready ( in case the mail was non-delivered again ) and so I would know if they were overdue. 

After waiting the three to five business days for review, I was told I would have to pay the late fee plus interest charges, despite my mail having been not delivered to my address and actually having been returned to Citibank ( which they verified ). And despite my explaining to XXXX, a supervisor in Maryland, the lengths I had gone through to get my mail delivery problems corrected and to set up alerts for new statements so that I would n't miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees period and that was it. I advised her of my 11 year tenure with CItibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. I do not know who is right in this situation, but I would like to complain about Citibanks inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they could work with me a little on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: i took out a new cc from AMEX and explained to the person that i had once had this cc and had cancelled it. i asked if the bonus of spending {$1000.00} and receiving {$100.00} back would still be honored. He assured me it would. i received the card, called back and was told that they would not honor it. I gave them the name of the rep and the date and time of the call which he said was recorded and i have never heard from them although i called XXXX times already.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient has not supplied a recent paper copy of a detailed monthly summary of my account XXXX daily interest accrued, payments made, outstanding principal ). 

They also do not have an option for borrowers to message customer service and keep a record of the messages exchanged. All inquiries must be made over the phone, leaving no record of what was discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX XXXX and TransUnion have continued to report false and incorrect information on my credit report time after time after time. They have n't contacted any of the alleged creditors and if they had they would know that each dispute was in fact valid and the incorrect information should have been removed. They have violated the FCRA numerous times with reckless abandon and no one, including the CFPB seems to care. They continue to report false information for their own monetary gain. Not only that but i was told that i was being sent to a " special handling '' department and only ONE person could handle my requests, meanwhile he 's never at his phone or cares to return calls. Also, they have repeatedly locked me out of their website to file a dispute online and when I was able to finally get online, they said they would n't dispute any of the previously disputed items even though those previous disputes were extremely lacking in how or what was verified and by whom.

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 11-05-2015 about Debt collection (I do not know) with N.A.R., Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation