milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: I received a phone call at XXXX on Thursday XX/XX/XXXX ... caller ID showed that it was XXXX XXXX XXXX ( our bankruptcy attorneys ). A man identified himself as XXXX XXXX, a lawyer with the group told me that he had just gotten off the phone with an attorney representing XXXX XXXX, XXXX of our creditors, and that if I did n't call this other attorney and make a payment of {$780.00}. that he was going to put forward paperwork for me to be arrested and to sit in jail for 30 days, because of a judgment that was filed against me. I had no reason to doubt this person, because as I stated above, caller id was from our own lawyers office ... when I explained that we did n't have that kind of money, he told me to just make the payment and that XXXX would refund us the money because they had missed the judgment. I contacted this other attorney, a XXXX XXXX, he confirmed everything that our lawyers office had just told me. He told me to go to a XXXX/money gram, to take care of this payment or again that I 'd be arrested and to sit in a jail for 30 days. I ended up borrowing {$800.00} from my best friends father, because I was extremely scared and being XXXX I was terrified of being put in jail. I went to a store here in town, in XXXX, CA, and called this attorney XXXX XXXX back so that he could give me the information to send the payment. I did this and gave him the reference number. He told me that the paperwork was going to be pulled and that I would n't be arrested. I tried calling XXXX back at XXXX XXXX, I got the recording that they were closed for the night. First thing Friday, XX/XX/XXXX, I called and tried to speak to XXXX XXXX, only to be told that he no longer works for the firm.. I spoke with XXXX XXXX, he does investigations into fraudulent cases, and that 's when we realized that we had been scammed big time, by someone, XXXX XXXX, that was pretending to work with our bankruptcy lawyers. He had answers for every question I threw at him in regards to our bankruptcy paperwork. After speaking with XXXX XXXX, I was told to file a police report and to file a claim with CFPB. I 've filed the police report and am just now filing a complaint with CFPB, due to issues with the website, which are now resolved. I do have receipts and the form, but I do n't know how to attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Closing/Cancelling account

Complaint: In XXXX, I changed employment and called American Express to cancel a business card associated with my social security number that I was obligated to pay. The employee I spoke with at American Express convinced me not to cancel the card, but rather to " freeze '' the card, assuring me no future charges could ever be made against that card. In XXXX, I get a notification that charge for {$1000.00} was posted to my " frozen '' credit card. I called American Express customer service to inquire how a charge could be posted to my account after it had been frozen. They told me cards can not be frozen and that I would be responsible for the charge despite them having told me that no charges could be made on the card. Their supervisor even went so far as to say they may not be able to retrieve the recorded phone call wherein American Express communicated that the card would be frozen and no future charges could be made against the card - convenient. It appears to me that American Express is trying to retain customers at the customers expense and against the customer 's wishes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is phantom debt contrived by a criminal enterprise originally located in XXXX XXXX, NV. This was initially thought to be identity theft but is actually mail fraud. A complaint has been filed with the XXXX. XXXX inspection XXXX. This is report C # XXXX The initial letter dated XXXX XXXX, XXXX was from XXXX XXXX XXXX XXXX XXXX stating that XXXX XXXX had purchased an account from XXXX XXXX Bank for {$690.00} and I now owe this money. This is fraudulent. I have never heard of any of these companies. 

XXXX has provided me with the following : XXXX XXXX, XXXX XXXX XXXX XXXX, SC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX XXXX, NV. XXXX The next XXXX XXXX XXXX XXXX letters have come from Resurgent Capital Services XXXX. XXXX XXXX XXXX MI XXXX demanding payment and personal information. This collection agency also has many other names and XXXX but no physical addresses. 

These are criminal enterprises as can be seen from the internet- XXXX.I have also filed a complaint with the credit agency XXXX XXXX I have not and will not send any money. I have the originals of all letters. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had this student loan for going on 10 years. When I signed up for this student loan I was told that I could receive a co-signer release after making two years worth of on time payments. After making my two years worth of on time payments I was told that I could not receive a co-signer release because I was on a graduated repayment schedule which had a lower payment than the full schedule payment. They said I had to make an additional two years worth of full on time payments before I would qualify to have my co-signer released. I called in yesterday to check to see if I have made enough full payments to have my co-signer released from the student loan and was told because I took a temporary forbearance on this loan that it prohibited me from ever getting a co-signer release. If AES knew I have been trying to get a co-signer release when I requested the temporary forbearance why would n't they tell me when I called in " If you do this your going to be stuck with your co-signer forever '' why does it not stipulate it on any of the forbearance paperwork I received from them? This is deceptive and wrong. They need to honor our agreement for the co-signer release.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Installment loan) with DISCOVER BANK (CA).
Issue: Shopping for a loan or lease

Complaint: Hello, My name is XXXX XXXX and recently I received a large envelope from DISCOVER with a card inside saying " PROOF '' and inviting me to apply for a personal loan " Because of my Excellent Credit record '' ( see attached copy ) but when I applied on the internet, I received a deny note! 
This is wrong to try to get all my personal info by pretending that they know about my credit history and convince me that I will get the loan if I apply and then they deny me. 
This also could damage my credit score. and I do n't appreciate that either.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Shopping for a loan or lease

Complaint: I have signed XXXX different car lease contracts and XXXX purchase loan since XXXX 2011 with Honda Financial Services through XXXX different car dealers in XXXX, Georgia ( XXXX XXXX Honda, XXXX Honda and XXXX XXXX ). In all of these cases, the experience of dealing with the financial manager was extremely stressful and I truly believe that the XXXX contracts I signed were outrageously overpriced ( over {$300.00} per month ). Due to my lack of knowledge in the financial aspect and the urge of my family to have means of transport in this complicated city I was left with no option but to sign these contracts. When I commented with my coworkers about my monthly payments they would always say, " But why are you paying so much? '' Also, when I watched TV commercials I would see ( and still see ) that lease offers were much more below than what I was really paying ( up to {$150.00} less ). On my latest experience purchasing a Civic at XXXX XXXX in XXXX, the salesman even told me that my monthly payment would be {$500.00}. I protested and said that I would never pay that amount! He quickly called the financial manager to not lose the sale. I read this week about the discrimination lawsuit against Honda Financial Services and it made me deeply think that being myself a XXXX this was the reason why I was being overcharged on my different contracts with this company. I want a revision of my contracts with Honda Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer reports.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Closing on a mortgage

Complaint: I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.

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 09/23/2016 about Credit card () with STERLING JEWELERS, INC. (PA).
Issue: Closing/Cancelling account

Complaint: I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Taking out the loan or lease

Complaint: I am currently leasing a 2013 XXXX XXXX XXXX XXXX. The lease payments are all current. The lease ends on XXXX XXXX, leaving XXXX more payments. I wanted to review all of my options before deciding what to do. i signed into my account yesterday on XXXX, and clicked through to find my current " Buyout quote ''. I had received a " hyundai lease-end kit '' in the mail yesterday. It has a section called " Key Lease End Terms '' The term " buyout quote '' is defined in their " lease end kit '' as " The amount ( including taxes ) you 'll pay to purchase your leased vehicle ''. That amount for me was on the website as {$16000.00}. 
I was told by Hyundai Finance that in Florida, lease end vehicle purchase must be made through a dealership. I called the dealership then, and was told there was a {$590.00} fee for this " service '' and that the amount did not include sales tax. They told me it would cost {$18000.00} to purchase the vehicle. 
I am wondering 2 things. Why is the definition included in their own lease end package saying it includes all taxes? 
Also, I have in the past purchased leased vehicles at my lease end and simply had to send a check to pay off the balance to the finance company. The last one was XXXX finance. Why is Hyundai finance telling me that in Florida it is the " law '' that the purchase be made thru a dealership? Perhaps the law has changed? It has been awhile since I purchased the last one ... 10 years actually ... so I suppose the law may have changed. I would just like to be sure.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Company name : XXXX/XXXX on XX/XX/XXXX.  I did not apply for any services from XXXX. I do not know who has my information but I did not authorize this. 

2. Company Name : XXXX XXXX XXXX on XX/XX/XXXX I did not apply for any services from this company and did not authorize this. I was in the process of buying a home and could not apply for anything at all. 
3. Company Name : XXXX XXXX/ XXXX on  XX/XX/XXXX I did not apply for any services from this company and did not authorize this. 
4. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services and did not authorize this. 
5. Company Name : XXXX XXXX on XX/XX/XXXX I did not apply for any services with this company nor did I authorize this. 
6. Paid Tax lien of {$64.00} from XX/XX/XXXX. I spoke with a rep from XXXX about this and they refused to help. This was removed from my other credit reports and they would not let me explain anything or try to resolve this issue. My other Paid tax lien for a larger amount was removed with out a problem. 

Any my address is definitely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: On XXXX XXXX 2011, I decided to attend XXXX XXXX in XXXX MI to attain a XXXX. Upon entering this campus to sign paperwork for submission, I was surprised to see that there was a loan officer with the XXXX representative. As we hurriedly did the XXXX paperwork, the loan officer was taking my information as well. I was real uncomfortable with taking out a private loan that I felt I was rushed into. But I went with it since I wanted the education. She ran my credit I was pre-approved for {$8500.00} at 6.8 %. I was told that I 'd have {$20.00} in school payment amount and {$100.00} when I graduated. My husband would be the sole provider of income for our XXXX yr old son and unborn daughter during the 11 month long program. Little did I know that {$20.00} would be hard to come by. I will never forget the day I was in class listening to lecture and the next thing I know the door opens and someone calls my name. So I get up to meet the woman in the hallway. She said, " You are behind in your payments and you have to make a payment now or you ca n't go back to class. '' So I made my payment and she let me go but since the door locks when closed I could n't get back in until there was a break. It was over an hour. That never happened to me again but it happened to other students constantly. The teacher even said XXXX day when it happened to another student, " You got ta take care of your business or you ca n't come back. '' Little did I know about the loan I was coerced into taking was n't what I thought it was. It was XXXX loans, Note XXXX principal XXXX XXXX principal XXXX with a grand total balance of {$16000.00} at 14.9 %. My monthly payments are {$350.00}. It is very difficult to pay this now and provide for a family. I have paid {$3400.00} in interest and I still owe {$9200.00} in total balance. I understand that {$20.00} a month sky rocketed my interest but I could n't work while in school and I feel that this Genesis Lending took advantage of this. They bate you with the 6.8 % interest and when you actually see your real rate there is nothing you can do unless you want to put off school for another year. I 've tried to lower my rate but they do nothing to help you. I just feel buried in this debt and causes a real burden on my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2013 {$0.00} paid out. It close account it still on my credit report

Company response to consumer: Closed with explanation