milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX - Received letter stating that for my 4 student loans 2 will be forgiven in XX/XX/XXXX and 2 will be forgiven in XX/XX/XXXX. XX/XX/XXXX - sent letter asking for a list of the payments are going to the loan foregiveness program because I signed up all 4 loans for the program at the same time and I expected an earlier date. XX/XX/XXXX - I called and was told that these numbers are correct but they ca n't give me any detail. XX/XX/XXXX - sent a 2nd request letter asking for this information XX/XX/XXXX - sent an e-mail XX/XX/XXXX ( today )- sent 2nd e-mail - although I now decided to contact you also because it 's been over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with The CBE Group, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I do not have a debt and closing my case stated no further deductions. More today from Social Security & how do I get repaid for their errors?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To whom it may concern I have been having grief with the same companies over and over. I have disputed these debts on numerous occasions and yes they are removed but they are later reinserted, sold to another debt collection agency, with no update on my credit report or proof that I am the owner of these debts all from Commonwealth Financial, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. They are damaging my credit and reputation substantially without any proof of original contract or signatures from me. The disputes are not even showing on my credit reports and I am aware that my reports should reflect that information. Nor have I received updates from my disputes or original time frame or contract from debt instead after the disputes these accounts are re-aging and that is completely illegal. Also following disputes it seems to me that they are reselling the accounts to someone else after showing removed and then opening again. In addition each time these inquiries are placed back on my credit report I have never received a 5 day reinsertion letter and if there is proof of such letter, please also send to my address. IF not this is yet another violation of thre FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), which states you are required to notify me in writing. I am asking for the last time for the Commonwealth Financial Accounts furnish original contracts and proof and initial contract dates for all collection accounts they are claiming belongs to me. I will take further legal actions if these accounts are not removed. I have exhausted all my efforts with this company and the games they are playing or illegal. Please review all 3 credit reports to see the removals, re-insertions, and re-aging that is continually happening. 

I am really doing all I can to get my credit at a good standing but this is really impacting my credit. I was at XXXX and have received dramatic decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have a debt that is showing with this company that is fraudulent its due to my identity being stolen and opened up accounts that i had nothing to do with ... yet they have not removed the account even thoudh i have sent theme the appropriate documents regarding the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rausch , Sturm , Israel , Enerson & Hornik , LLC   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Maryland  XXXX  tel # :   XXXX   Fax # :  XXXX  They started garnishing 20 % from my salary in  XXXX  where i worked. They claimed that I owed   XXXX    Gold Master Card/ XXXX  the amount of {$13000.00}. I called them and spoke to   XXXX   XXXX   XXXX   and told them that this is not mine. I ask for all the documents pertaining the debts they claimed was mine.
  XXXX   XXXX  , 2017 I sent them the affidavit/  XXXX   XXXX    FRAUd Questionnaire, and called them almost everyday and always send me to an answering machine.
I called them   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   this week every morning and they just sent me to an answering machine. I told   XXXX   XXXX   to call me back and gave them my numbers. I ask them, why is it that they still garnished my salary even though they said they will investigate after receiving my Affidavit.
They already garnished {$650.00} from my hard earned salary.
I do not know what to do to solve this problem, they do not answer my calls but keep on garnishing 20 % from my hard earned salary. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: Please forgive me for not remember exact dates. 

Sometime around XXXX XXXX, 2014, someone had gotten my debit card number. They then used this number to order food from XXXX. I was completely oblivious to the fact at the time. Both my income and my fiancee 's income were going into the same bank account, and we both had debit cards on the XXXX account. Meaning lots of charges were made each day ranging from {$3.00} to $ XXXX. I rarely checked the actual statements, just the balance from my mobile app. 

The person first started using this card on XXXX XXXX, 2014. They used it sparingly at first, every couple of days. Seeing around {$20.00} every couple days was not a red flag for me, since we were both using the cards every day. This went on for four months. Sometime around XXXX XXXX, when the person was full blown ordering XXXX a day, sometimes XXXX, I noticed that the amount I could have sworn should have been in my bank account was much much lower. So I investigated. I saw these XXXX charges ( see the XXXX pages of charges attached ) and immediately asked my fiancee. He was not ordering from that website. I called the bank and told them to cancel the card and file a fraud statement, I called XXXX, and I also went down to the police station to file a police report. A few days later I check the account again, more charges from XXXX. The bank had failed to cancel the card like they had stated they did and more charges were made. They finally cancelled the card and the last charge from XXXX was made on XXXX XXXX, 2014. 

So, After much hassle I fill out and mail in the affidavits for the fraudulent charges and wait some months for the funds to be put back into my account. The total amount of fraudulent charges made was {$1500.00} ( see attached sheet of replaced funds ). I start seeing charges being refunded, but not nearly as many as there should be. So I called the bank again and they told me something shocking. They will only replace the charges that were made within 60 days of the FIRST fraudulent charge. Meaning, they refunded {$610.00} and I was out {$920.00}. They would n't even refund the charges made after they were supposed to have " cancelled '' the debit card. How is this fair practice? I called many times after demanding to speak with a supervisor and they all told me the same thing. This is absolutely unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NV).
Issue: Other transaction issues

Complaint: I have a paypal credit account, which used to be linked to my Paypal Account, that I use for my business. Unfortunately, several months ago, my credit account through paypal was canceled, because I was n't pulling up my statements from my email, but rather, was logging in directly through my paypal account. When I tried to reinstate my account, the customer service agent asked me verification questions, and in one of the questions, she referenced XXXX streets, which were cross streets at an address that I had lived at 12 years prior. Since I gave the wrong answer, I had to fax information to them. I have no access to a fax machine, and they would not accept an email. 

Since then, my paypal credit account has been canceled, and each month I have had no issues in paying the minimum payment, until now. Now, Paypal has rejected SEVERAL payments from me, which I have been trying to pay since the day before the due date. They will not accept money directly from my paypal account, nor will they accept money from my bank. I want this to be taken care of electronically, with the payment of {$25.00} taken from my paypal account, and put into my paypal credit account. No one can tell me what is going on, and it makes no sense that they are not allowing me the access to pay my bills on time, through their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TransUnion Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.

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 12/16/2016 about Mortgage (Conventional fixed mortgage) with TRUSTMARK CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AL).
Issue: Other service issues

Complaint: My son lives over an hour away XXXX. He was out of money and needed to buy XXXX. I read on line that you could transfer money "In 10 Min." from your credit card. The local Walmart is 20 min. away but I thought to save time I could do it on line through MoneyGram. I filled out the info and submitted it. It said processing and I even rec'd a email saying it was processing. I called my son and he went to Wal-Mart to wait on it. It never processed after a hour Wal-Mart closed and he had to go until the next day without XXXX. Luckily with no major complications. I was never told it was denied... I was only sending XXXX and had 30 times that in my account. I believe they are using false advertising and even the Wal-Mart employee said they had a lot of trouble as well..They should have immediately denied it so I could have made other arrangements. I believe they could be putting the publics well being in jepordy by not providing TRUE advertising and Timely response to their transactions and request for info. After over 2 months they responded to my complaint... Here is what they said:
 PLEASE DO NOT REPLY TO THIS E-MAIL!


Dear MoneyGram Customer:

Thank you for contacting MoneyGram.  We appreciate the opportunity to address any questions or concerns you may have.
Unfortunately, the transaction request you submitted has not been approved.  For security purposes, MoneyGram Online is unable to complete your request.  Your funding source has not been charged for this attempt.
We apologize for the inconvenience.

Sincerely,
MoneyGram  
Electronic Operations Department   

Original message: My son needed money to buy his XXXX last night at XXXX as he lives hour away, Walmart was 10 miles from his home. I went on line to Walmart to see if I could send money from my account to him. Your website said send money in 10 minutes from a debit or credit card. I filled out the info and sent it. I rec'd a transaction notice via email saying it was processing. He was at the store and XXXX and waiting. At XXXX I am still trying to see what is happening. I called this morning and talked to your rep who started asking all kinds of personal questions. She said I would have to go to the store. I am very dissatisfied with A. Your service. B. Your lack of Communications that their need to be more information C. False advertising ( transfer money in 10 min.) This could have caused a serious problem for my son not being able to get XXXX.  I will figure out who in the goverment that regulates this and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

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 12/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX/XXXX/XXXX I received a letter from Midland XXXX XXXX stating they had made several attempts to contact me and they were in the process of suing me. The letter also states " this may be your last chance to work with us before the account goes to an attorney. The amount on the accounts were {$5300.00} and {$2700.00}. In XXXX/XXXX/XXXX I called the company and they directed me to an attorney 's office in AL to handle the payments. Called the attorney company and made a agreement to Pay to Delete since I 'm shopping for a home loan. XXXX/XXXX/XXXX made the payments and both I and the agent and XXXX agreed to {$1400.00} and {$2700.00} to have the collection settled and deleted. In XXXX, XXXX I called to ask them why has n't it been removed from being reported and they told me give us XXXX days and it will be removed. In XXXX, XXXX I had my credit pulled thinking I gave them enough time to remove the information from my credit report to only find out it 's still up there. I record all my telephone calls to the CA and attorney office. I just want this to be fixed so I can buy a home for my family. Due to my sons being XXXX we have to modify our home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Called went on website and disputed nothing was done

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Early in XX/XX/XXXX, I refinanced my mortgage with Flagstar Bank and agreed to a monthly payment of {$1300.00} with a XXXX-year term. However, Flagstar Bank and its vendor XXXX underestimated my city taxes by approximately {$1100.00}. The actual city tax bill is {$1100.00} and Flagstar estimated them at a yearly rate of {$16.00}. Therefore, I recently received notice that my bill will go up nearly {$200.00} to a new monthly payment of {$1500.00} as of XX/XX/XXXX. 
So far, I have contacted XXXX XXXX and XXXX XXXX about this problem, but they were not able to offer an agreed-upon solution. Through this process, it was uncovered that XXXX did not pay the XX/XX/XXXX city tax bill, which resulted in a delinquent fee. The interim bill was made available in the XXXX half of XX/XX/XXXX. I received correspondence stating that they did pay it in full and also paid the delinquent fee, since they made a mistake. Please see the attached copy of the bill. 
Furthermore, when I got my first loan with Flagstar before the refinancing, the company escrowed {$360.00} per month as of XX/XX/XXXX. The new loan shows a monthly escrow of only {$320.00}, even though my taxes have not come down. In my opinion, this is a negligible error that could have been avoided if Flagstar Bank would have researched the loan and taxes correctly. There is no way that school taxes could be well over {$1000.00} while county taxes were assessed at merely {$16.00} for the entire year. Furthermore, this is a new house worth {$380000.00}, so the low county tax should have been questioned during refinance. If this would have been done and if Flagstar would have contacted its third-party vendor XXXX, Flagstar should have been able to uncover the actual, correct tax amount for county taxes. 
There is no doubt that taxes do increase from time-to-time ; however, a newly built house that is worth {$380000.00} is responsible for more than {$1.00} per month city tax bill. This is an error that was not caught by Flagstar Bank and ( or ) its vendor when the company assessed the city tax bill to be {$16.00} when, in actuality, the bill is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Credence Resource Management has been calling my cell phone for the last 2-3 months trying to collect {$180.00} for an old XXXX XXXX XXXX bill my wife did not pay. I tell them that they are calling the wrong number and give them my wife 's cell number. They continue to call me from an offshore call center speaking XXXX with an unusual accent. They only ask my relationships with the debtor, not my name, then give me her address and only ask if it is right. I say yes and then they continue to tell me who they are, what company they work for for, that it is an attempt to collect a debt and the phone call may be recorded. After about 15 calls I asked to speak to a supervisor. I notified him that my wife wanted to take care of the debt but was disputing the amount. The supervisor " checked '' the amount and verbally confirmed it was the right balance. I informed the supervisor that I wished to dispute the balance and requested a breakdown or proof of the debt by mail. We never received the proof and now the phone calls are coming more often. I received yet another call just a few minutes ago. I let the gentleman on the other end know that he was violating FDCPA laws by giving me information about the debtor and her account. The gentleman who stated he was in XXXX was not aware of any laws transfered me to another supervisor. The supervisor said he was going to check the times I had been called. He came back on the line very apologetic and informed me that he would remove my number and that I would not receive any more calls from their company. I thanded him but asked him for his company 's information so I could file a complaint. The supervisor hesitated then hesitantly gave me the company name. I asked him for the company address. He said he was not authorized to give me anymore information. He then put me on hold then returned with a company e-mail to file my complaint. I informed him that I would be filing a complaint with the authorities. He said that it was not necessary and asked me not to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: N/A account # XXXX This is inaccurate report and needs to be removed. I 've had health insurance since 2002. I pay my Co-pays/deductibles before receiving services. If they are owed additionally they did not provide me an original bill and did not provide me an opportunity to pay it however, I do n't believe I owe them anything then. I do n't know who this is or what this bill is for. Please provide proof of what I owed you, what the service provided date, and what the service provided was. This needs to be removed from my report!

Company response to consumer: Closed with explanation