milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Commonwealth Financial sys tem has placed  XXXX  negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth.   Which will allow them to update the information. I refuse to provide the information.   This account was generated by  XXXX  Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck.  O  ne representative stated I was a liar, and I need to pay the bill.    The date open is  XXXX   2016 r eported as collection  XXXX     2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX Income taxes. When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the State of XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

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 08-10-2016 about Debt collection (Credit card) with Machol & Johannes, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them. 
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.

Company response to consumer: Untimely response
Consumer complaint received 05/26/2016 about Consumer Loan (Title loan) with CURO Intermediate Holdings (AZ).
Issue: Charged bank acct wrong day or amt

Complaint: SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt owed to XXXX XXXX Emergency Room in XXXX 2016 directly to the emergency room online. In XXXX 2016 I received notification from XXXX that a new, unpaid collection was added to my report from AmCol. I disputed and the collection was removed. In XX/XX/2016 I received a letter that previous attempts to collect the debt had been unsuccessful. Several days later on XXXX XXXX, XXXX alerts me that I have an unpaid collection from AmCol on my report. I dispute directly with XXXX. On XXXX XXXX XXXX alerts me that the collection for XXXX is updated as a paid collection, in addition they reported the debt to XXXX. 

I have never heard of AmCol except for these two instances. I paid my debt directly to the emergency room. Under no circumstance should this be on my report, not only that but if AmCol was legitimately the owner of the debt they should have been aware the debt was unpaid and they tried to claim that they had not been paid. This is deceptive and appears to be an attempt to collect more money. As a result my credit score has suffered negatively dropping XXXX on XXXX and XXXX on XXXX. This is not a result of my negligence. I held up my responsibility to pay the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Payday loan () with Critical Resolution Mediation LLC (GA).
Issue: Can't contact lender

Complaint: Critical XXXX continuously calls me and make threats trying to collect a debt from 2014. They wo n't send me paperwork to verify that I had this loan. They wo n't verify who they are. All they do is call and threaten to take me to jail or file a case against me for check fraud. They have called saying I 'm a liar or cursing me out and hanging if up in my face. Also threatens to come to my place of business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am not able to get a copy of my credit report from TransUnion or file any kinds of disputes

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a lease wi th Toyota Financial Services.    My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid t o Toyota Financial S ervices Since  insurance company did n't pay in full initially, Toyota Financial Services p ut a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with TFS and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: The card promised the benefit listed below but after payment of my annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my {$60.00} annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

2.Bonus Award Night : When you redeem XXXX for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any XXXX from your Club XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with XXXX XXXX and is not valid with standard paid reservations or XXXX redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel ( early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no XXXX or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional XXXX in your XXXX account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Not only did this company not address my issue, I am struggling to make any sense of their response. 

First, I have held this FHA loan for greater than XXXX years, thus the necessary time frame has passed for me to get removal of my PMI, pursuant to FHA guidelines. Second, PMI can be lifted once my equity amount has increased to a certain percentage. The numbers Nationstar 's is basing its numbers on in its letter dated XX/XX/XXXX are based on the numbers of my LTV ratio when it was appraised and purchased in XX/XX/XXXX. 

My condo has appreciated in value since then, thus the LTV is different. I am looking to get an appraiser to come in XX/XX/XXXX and appraise the property so that I can ascertain its current value and get my PMI lifted. Nationstar is telling me I have to use XXXX of their appraisers and that I can not get XXXX of my own licensed and bonded appraisers to value the property in XX/XX/XXXX. The letter I received from Nationstar today suggests that they are skirting the issue and not answering ( nor sending ) me the authority that says I need to use XXXX of their appraisers. 

Again : I want the authority that says I have to use a Nationstar appraiser in XX/XX/XXXX since Nationstar says I have to use XXXX of their appraisers. I want said authority sent to me. 

Since Nationstar has made the terms of my FHA loan an issue, please send me the authority that says I can not get my PMI lifted once my LTV ratio meets certain amounts. 

I have been very clear about my requests. This is now the XXXX time I have requested the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Equifax 19 times and asked them to remove XXXX of the XXXX inquires on my report that do n't belong to me. I was hung up on 10 times and the other 9 times they told me that I had to call the original creditor. When I spent two full days calling all these creditors all the responses ' where the same. I needed to address it with Equifax. They are running me back and forth in circles. I was XXXX from XX/XX/XXXX to XX/XX/XXXX and the only inquiry on there report for me that is mine is an account I have with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/17/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a computer bundle and a XXXX inch TV back in 2014. The salesman sold me insurance in case if the items I purchased broke. My TV 's screen broke. I called Conn 's, they sent someone to check the TV. It could not be fixed. Through XXXX, I was able to work things through. I was told to go the store here in XXXX to get my TV. When I went to the store, I was told the TV was discontinued and could not get it anywhere else. They told me I had a little over XXXX to get a TV. As I looked for something that would be acceptable, the salesmen where trying to convince me to buy something bigger. I picked a TV that was less than was given. The difference in price which I expected to be applied back to the account, the manager denied. 

I waited to get the TV, The TV they brought was not in a box and rapped in plastic paper. " for protection '' I asked him what was that, he said it was the TV I picked. I was informed that TV was also discontinued and that was the TV on the floor. I told him I was not going to take that TV home and left. 

Through many calls to XXXX, I decided to get the replacement TV. A different salesman helped me. I picked one and went to get the paperwork done. I was informed by the salesman that in order for the TV to work I needed a special cable which cost quite of bit but they had this package which included the cable and the mounting kit to put the TV on the wall. I said ok. 

AS THE SALESMAN WAS DOING THE PAPERWORK, I TRIED TO PAY IN CASH FOR THE MOUNTING KIT AND HE SAID HE COULD NOT TAKE THE MONEY. NOT ONCE HE SAID IT WAS A NEW ACCOUNT. AT THAT TIME HE INFORMED ME EXTRA CHARGES AS ADDED TO THE ACCOUNT WHICH INCLUDED INSURANCE FOR THE DURATION OF THE LIFE OF THE ACCOUNT IN CASE THE ITEMS WERE STOLEN AND OTHER CHARGES. HE SAID IF I HAD HOME OWNER 'S INSURANCE, I WOULD BRING IT TO THE STORE AND THE EXTRA CHARGES WOULD BE TAKEN OUT. I TOLD HIM WAS NOT AWARE THEY DID THAT. HE INFORMED ME IT IS ALWAYS DONE. 

I HAVE HAD MANY ACCOUNTS IN THE PAST 12 YEARS AND NOT ONCE I WAS INFORMED OF THESE CHARGES. I HAVE HAD HOME OWNER 'S INSURANCE FOR 15 YEARS. 

TODAY, I CALLED CONN 'S BECAUSE I WANTED TO REDUCE THE MONTHLY PAYMENT. I WAS INFORMED I COULD NOT REFINANCE BECAUSE MY ACCOUNT IS NEW. IT WAS MY DECISION TO INCREASE THE PAYMENT TO {$200.00}. IT WAS NOT THE AGREED AMOUNT WHEN I WENT TO CONN 'S. I DID NOT AUTHORIZED THE SALESMAN FOR A NEW ACCOUNT. I WENT TO PICK MY REPLACEMENT TV. 

CONN 'S STORE IN XXXX XXXX STOLE FROM ME BY WITHHOLDING INFORMATION THAT WOULD DECREASED MY DEBT. I HAVE SPENT COUNTLESS HOURS TRYING TO GET ANYONE TO SOLVE ALL THE ISSUES WITHOUT SUCCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My original loan was for {$8000.00} with XXXX XXXX in XXXX. It 's XXXX and the now Navient says that I owe them over {$10000.00}. The loan has been paid in full years ago, with over {$15000.00} paid to the company. The problem with this loan, and I 'm sure all of the other loans with other customers, is that they apply 98 % to interest and 2 % towards the principle. This is XXXX of the if not THE biggest banking scams in history! I have tried to settle with Navient and they are not willing to work with me at all. They want all of the funds or else. I have been treatened, harassed, and taunted via phone calls from Navient Reps. I want to be rid of this company once and for all!!! Navient has also reported false info to the credit bureaus and nothing has been done about that either, dispite my claims and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Part of my home was damaged by a tornado XXXX XXXX, 2015. My insurance company was quick to give me a fair settlement. The money went to PNC Bank for them to hold as the mortgage company. 
PNC Mortgage makes me beg for week after week to be reimbursed for repairs I have sent them cancelled checks for. 

PNC Mortgage refuses to reimburse me on a timely manner, I have to pay for everything out of my pocket, then wait for them to pay me, ,which has caused great financial harm to me, along with the stress of dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call, I give the VERY SAME information I in-put on the computer. I believe I am being denied my legal right to receive my credit report on-line after submitting the proper information required. I am very unhappy with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax released my information without my consent to a 3rd party on XX/XX/XXXX and did not divulge to me that it was given out until early XX/XX/XXXX.

Company response to consumer: Closed with explanation