milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under " Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called " XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Enhanced Recovery Corp h as Re-aged original  XXXX  debt that is noti  e to  begin with.  XXXX  resold account after failure to verify account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
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: I have a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented a XXXXbdrm from the XXXX XX/XX/XXXX to XX/XX/XXXX. I submitted a notice not to renew my Lease to XXXX on 3 different occasions with a request for an additional 4 days. Payments and adjustments were made and my balance settled. 3 years later XX/XX/XXXX after a new management company took over the XXXX and branded the community i was sent a collections notice. 

The notice stated that i had a balance for not paying my rent. After speaking with the collections agents on several occasions i as advised that i had terminated my lease prematurely. On other occasions i was advised that i provided to much notice in advance of the minimum 60 days i was advised that i had to give 60 days and not more or less. 

I provided copies of my request to terminate my lease that i was able to locate. there are XXXX more which i requested from the leasing office but was advised the the documents were destroyed during the remodeling process. 

A copy of my ledger was sent to me along with a copy of the charges. A few things are of great concern. 

1. ) That an insufficient notice was added the day of my move out XX/XX/XXXX then removed on XX/XX/XXXX. I assume this was because the notice for my lease termination was not applied on XX/XX/XXXX but on XX/XX/XXXX. 
2. ) A correction was made to the charges on XXXX XXXX for both utilities and insufficient notice as this was paid in full on XX/XX/XXXX to cover through XX/XX/XXXX including my initial security deposit. 
3. ) The ledger shows a {$0.00} balance since XX/XX/XXXX. 

After 3 years and a XXXX balance ledger i am being sent to collections {$0.00} balance plus interest amounting to {$1300.00}. 


The original agent i spoke with is still at the current management company and has indicated that this is a regular occurrence and has indicated that she did in fact submit my notice in advance of the 60 days required however i was advised that i would have to go through the collections agency of Hunter Warfield who is unable to or unwilling the reach out to the rep who handled my case. to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX I was locked out of my Coinbase account due to changing phones. I sent in all of the necessary paperwork on that. It 's been almost two weeks and I have n't heard a peep from them. I have over $ 50k in the account and ca n't access it nor do I have an update from them at all. I 've sent emails repeatedly, tried calling to no avail, sent messages to their support on XXXX and XXXX to no response. They 've done nothing and have told me nothing while they are holding my money and not letting me sell or get my money off the platform. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hard credit inquires were submitted to my account with out my permission on the following days XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed several inquiries on my credit report after I pulled my report. 

on XXXX there is 3 inquiries I have no knowlodge ofXX/XX/XXXX navy fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...

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 11/18/2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harris and Harris collection agency has been repeatedly calling and leaving a voicemail to a XXXX Voice # I do n't give out, claiming I owe a debt. I asked to whom, and they claimed a XXXX XXXX. I then called XXXX County to see, they checked the city , county, mva, and court databases and I have NOTHING there. Harris and Harris wo n't send me anything via mail regarding the collection, unless I verify my address, which I wo n't because this seems like a scam. I will follow up with my lawyer if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Called to inquire program I was never told that if I did not complete.I never did the course.I was never informed that would be charged or this would be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/XXXX I disputed this account with the credit bureaus because I discovered that they were reporting late payments after bankruptcy - please see attached. I also sent them a certified letter regarding this. When the results came back nothing had changed and they completely ignored my letter. This company acquired the account from American Home Mortgage. The account was in bankruptcy from XX/XX/XXXX until XX/XX/XXXX, yet they reported late payment activity during that time. It is unlawful to report an account that is included in bankruptcy. The bankruptcy did not discharge until XX/XX/XXXX so WHY did they report these late payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Creditor : XXXX ( i canceled service XXXX XXXX : customer service says disregard {$55.00} bill, wait for final. 2months, no final, convergent outsourcing XXXX collections XXXX contacts by phone, i say send the bill, they do, meanwhile i pay {$55.00} bill to XXXX to see if that resolves, then convergent sends {$230.00} bill, i pay that, then convergent sends bill additional for {$180.00}, i will not pay, this is fraud. Please respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My wife and I have received XXXX ( XXXX ) telephone calls from Premium Asset Lending since Monday XXXX XXXX, 2015. 

My wife received XXXX ( XXXX ) phone calls on her cell phone at work yesterday, XXXX XXXX, 2015 from this telephone number " ( XXXX ) XXXX and ( XXXX ) XXXX from an " XXXX XXXX '' calling from " Premium Assets Lending '' leaving a XXXX messages to contact me XXXX XXXX regarding pending legal action that will " take place '' if I do not contact him " XXXX XXXX '' by the " XXXX '' -today is XXXX XXXX. One message said to call " XXXX XXXX ( spelling? ) " the attorney handling the case- case number : XXXX by the " XXXX '' not XXXX XXXX, 2015 just the " XXXX '' I do n't even know what I am being contacted for -I received XXXX telephone calls, XXXX from a woman on Monday XXXX XXXX, 2015 who did not identify herself at telephone number ( XXXX ) XXXX who left a message on cell phone to call " ( XXXX ) XXXX '' immediately and threatening that " there is legal action pending. '' I then received a telephone call from " XXXX XXXX '' from telephone number " ( XXXX ) XXXX '' leaving a message on my cell phone this morning telling me to call him back by the " XXXX '' because of a legal matter of concern with me. 

What can we do to stop these threatened phone calls from Premium Asset Lending

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted and sent Fraud Affidavits to Experian with regards to the Inquiries that are reporting on my credit file and incorrect address information. To date, Experian have not remove these items from my credit file. I have been a victim of identity theft and I will like these items removed : Inquiries, Incorrect Addresses : XXXX XXXX, XXXX, GA and XXXX XXXX, XXXX, GA. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any results.

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 04-12-2016 about Debt collection (Credit card) with Global Credit & Collection Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: My credit report shows that an account with Portfolio Recovery was opened on XX/XX/XXXX for the amount of {$580.00} and on XX/XX/XXXX I sent a 609 letter to all three credit bureaus disputing this debt. I have not heard anything back from the company or the credit bureaus yet. I was recently told to check my state 's secretary of state website to make sure that all of the collection agencies on my credit report were licensed or bonded to collect in my state. While doing the search, I found out that they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Attempted to modify loan back in XXXX, local branch manager only wanted to give a .5 % lower interest rate which did not make sense to pay settlement fees for .5 % lower rate. Bank encouraged to have loan go into " default '' for a lower interest rate modification. Would not respond to requests, written, in-person, etc. 2 years went by and over {$140000.00} in interest was tacked onto loan. We have attempted countless times to settle this. We spoke with the loan modification department XXXX XXXX, XXXX and were told the legal department would contact us within 20 days, here it is 5 months later and still nothing. Received a letter stating such to no avail. The last regular payment made was XXXX XXXX, XXXX. We finally agreed to BofA terms in XXXX so that the property would not be taken from us. However, the interest on this loan should not be our responsibility since we attempted countless times for the loan to be modified. " Missing paperwork '', " paperwork not complete '' " missing documents '' etc. was always their answer. We were so frustrated with the lack of unprofessionalism and lack of response, that we agreed to something that was not fair. We have every single letter and call documented. This is the 2nd time filing with cfpb, the original request was closed because Bank of America stated that my mother and my fiance were not authorized to speak on my behalf however, I have written authorization from Bank of America giving them the permission to speak on my behalf.

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 02/20/2018 about Debt collection (Other debt) with Asset Recovery Solutions, LLC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Asset Recovery Solutions has been told to stop contacting me at my work place and has made additional attempts to contact me at work after they were informed orally by myself that my employer does not allow these type of calls at my work place and to stop calling my work immediately and at any time in the future. 

I was initially contacted at my place of work where they left a message for me with colleagues on XX/XX/XXXX. I returned the call and informed them to stop contacting me at my place of work immediately. I informed them to stop contacting me on XX/XX/XXXX @ XXXX XXXX. Additionally, I informed the that I believe the debt that they were collecting on was outside of the statue of limitations. 

Asset Recovery Solutions called me again at my place of work on XX/XX/XXXX and once again left a message with my colleague, which is in legal violation since they have been notified that my employer does not want these type of calls. The individual that called was named XXXX XXXX ( XXXX extension XXXX ). 

This company is in legal violation of calling me at my place of work after I have already informed them that they are not allowed to contact me at work because my employer does not want these type of calls at my office ( informed on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (NM).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Harassing phone calls repeatedly, even after notifying them that I 'm not allowed calls.ike this during my work hours. Continued to call me 5/6 times daily during work hours. Threatened on the phone that a civil case would be filed against me in the county I reside in. Lied about mailing a letter to me on XXXX XXXX when the letter was dated XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Cottonwood Financial Ltd. (NM).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX/XXXX/XXXX Cottonwood Financial contacted me at my place of employment. I stated that I was not allowed to take these types calls to which their represented stated that they would remove my employer from the list of numbers, and then they started to discuss the issue with me, and I reiterated that I could not take this call at work. They stated again that they would remove the number from their records. 

Within a week of this cottonwood called and left a voice message on my business phone. 

On XXXX Cottonwood once again called my work and left a message with the secretary.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient did not assist with my loans my principal has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Shopping for a loan or lease

Complaint: Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.

Company response to consumer: Closed with explanation