milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with Performant Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.

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 12/17/2015 about Bank account or service (Other bank product/service) with First Data Corporation (NC).
Issue: Making/receiving payments, sending money

Complaint: My wife had lost her debit card and had a pending service appointment at a hair salon XXXX XXXX, XXXX, NC XXXX. I called the salon and inquired if they accepted checks for payment because we needed to cancel the appointment, otherwise. I was told by the salon they would gladly accept our check for payment. When my wife completed the service and presented the check for payment it was rejected by Telecheck, record number XXXX. We called Telecheck at XXXX to ask why and were told under no circumstances would they accept the check for the merchant. The reason we were given is not that we have written bad checks, we have never had a check returned, but that they had insufficient history to approve the transaction. There is nothing posted conspicuously, nor disclosure from the merchant, that a consumer is required to obtain pre-approval with Telecheck to present a check for payment. Further, we had to go through the embarrassment of making other arrangements not because of negative history, but because of no history at all ( that happens when you do n't bounce checks XXXX. Let me ask, how am I supposed to establish a history with Telecheck if they wo n't approve check writing in the first place? How am I supposed to know I need pre-clearance with Telecheck if it is not disclosed as a requirement?

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a XXXX account listed on my XXXX XXXX, Equifax and XXXX credit report that opened on XXXX XXXX, XXXX and was lost/stolen. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my Equifax and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX/XXXX XX/XX/XXXX. I XXXX XXXX, Equifax and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX    , I was unaware of this creditor and upon finding out requested documentation through  XXXX   XXXX   XXXX  dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the   XXXX   XXXX   XXXX   (  XXXX  ) com plaint ID #  XXXX  on   XXXX   XXXX   XXXX     to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio  responded to my complaint on   XXXX   XXXX   XXXX     that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  JH Portfolio  therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the  XXXX   ( i.  e.  signature contract agreeing to pay  XXXX  they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My house is in foreclosure. I received an extension for the sale date of my home for XXXX XXXX, 2015. XXXX XXXX, 2015 An '' Affidavit of Legal Publication - NTC OF SALE ON XXXX AT XXXX '' was entered into the court official records. XXXX XXXX, 2015 I received a loan modification approval letter for my Trial Period Plan. The XXXX of XXXX payments was made on time and receipt was confirmed by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Consumer Loan (Installment loan) with CURO Intermediate Holdings (NV).
Issue: Problems when you are unable to pay

Complaint: I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with XXXX XXXX XXXX in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called XXXX in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. 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 02-09-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX   ) and  they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: There was not an accurate prompt to describe this problem, so I did the best I could. 

The Consumer Finance Protection Bureau should investigate and take any necessary action against Equifax for what could have been lax security protections for consumers ' personal and highly sensitive information, and for keeping news of the breach from the public for an extended period of time. 

If Equifax can not keep consumer information safe, then they do not deserve to have such information, and should be out of business. 

Additionally, consumers concerned about the security of their information in the wake of this breach are being prompted to enroll in Equifax 's monitoring program. The enrollment agreement for this program includes a limit of liability and an arbitration agreement including a class-action waiver. This clause is a detriment to consumer safety. 

Please, help protect consumers by holding this company accountable and liable for the breach and fighting against its class action waiver. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought from XXXX by SLS in XXXX. Since then I 've had nothing but issues with them. They charge {$9.00} to take a payment over the phone and refuse to accept my electronic payment. They refuse to send me any kind of statement as to escrow, account payoff, or how much my payment should be after tax adjustment. They are rude on the phone and the only time I could get any information from them is when my bank called them. They refuse to give out information to anyone but a bank or a lawyer. I 'm the customer do n't I have any rights when it comes to my mortgage? They claim that because I filed for bankruptcy, which was XXXX in 2014, I have no right to any statements. However XXXX, the original lender, sent me statements each month. How do I know if SLS is living up to the mortgage modification if they wo n't give me any statements?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Auto) with Dynamic Recovery Solutions, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am uploading documentation that experian is still reporting my XXXX XXXX account as having a late payment the month of XX/XX/2015 which is reporting as a negative account on my experian credit report. I am also uploading proof from my XXXX credit report that it has been confirmed that this account was never paid late. I have disputed this several times with experian but they will not fix this 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 explanation
Consumer complaint received 10/16/2017 about Debt collection (Federal student loan debt) with Texas Guaranteed (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.

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 01/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Statebridge Company (MO).
Issue: Loan modification,collection,foreclosure

Complaint: The original mortgage ( from XX/XX/XXXX ) was adjustable and at that time the prime rate was around 7.5 %. My rate was a little over 2 % above that. I did not see anywhere on the paperwork where that said that it could n't go below the original rate, it only talked about a ceiling, but to my knowledge there was no floor. The mortgage has traded hands numerous times over the years. 

About a year ago I applied for HARP. After several months of having to resubmit the same documentation, I was finally approved. I received a letter stating that I had to go into a 3 month trial period, XX/XX/XXXX-XX/XX/XXXX. It stated that at the end of the trial period I would get the terms of the adjustment. There was a question about insurance coverage, I was told by the XXXX company that they would take care of taxes and insurance and my payments increased to cover the escrow for that. 
When I asked the XXXX company about the insurance, they said they had been told that the insurance was my responsibility. So I got that straightened out. 

The most recent letter I received, ( which is dated XXXX XXXX, from the XXXX mortgage company ), stated my mortgage is still adjustable and still at the original rate, 9.875 %. 

So in other words, this entire HAMP adjustment seems to be just smoke and mirrors.

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 12/27/2016 about Debt collection (Medical) with Access Credit Management, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was paying on the balance of several XXXX bills due to XXXX ( XXXX separate XXXX within a period of 4 months, All performed at XXXX XXXX XXXX Hospital in XXXX Ar. ) - I paid on them for over 2 years, Then I was contacted that my payment of {$25.00} was not enough! Shortly afterwards- I XXXX and 5 months later had a XXXX.~ I was off work for quite awhile~ and I tried to get them to work with me~ They did combine XXXX accounts into XXXX, but I could not pay XXXX per month. 
I am single - live alone XXXX XXXX XXXX and the only income I have is made solely by me~ After rent, utilities, etc. there is no way I can pay that amount! 
Since then I do have Medicaid, but I do not qualify for any other type of assistance. 
I got tired of the harassing calls ~ I could not have done anything anyway, the payment plan they set up for me was absurd!

Company response to consumer: Untimely response
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX. the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Company response to consumer: Closed with explanation