milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (PA).
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: Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove one account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This Company has an Alleged Debt and is Reporting my private information that is not Verified and or Accurate and is in Violation of the FDCPA and the FCRA federal Laws, this name is also a COPYRIGHTED name and has Legal ramification.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.

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 06/23/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: I was victim of a scam regarding the sale of my car. I posted an ad in XXXX. I was contacted by a buyer who told he would buy my car but I needed to send a Money Gram order of {$750.00} to the transport company who would inspect the car and ship it. I got an e-mail from XXXXXXXXXXXX saying that the funds were on hold until I made the payment of {$750.00}. I turned out the transporter never showed up. The buyer was not actually a buyer ; just someone who took {$750.00} from me. Money Gram will not provide me with information on what type of shop the perpetrator of the scam used.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX via XXXX multiple hard inquires to Equifax - XXXX, uthorized hard pulls = Total of XXXX, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 XXXX - MORTGAGE DEPARTMENT : XXXX Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - MORTGAGE DEPARTMENT : XXXX XXXX/XXXX/15, XXXX/XXXX/15 Creditor Contact Information : XXXX - MORTGAGE DEPARTMENT XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Student loan (Non-federal student loan) with EOS Holdings, Inc. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Credit card debt) with Law Office of Michael J. Scott, PC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The first letter received was dated XXXX XXXX, XXXX. It was from a michael scott law offices on Texas. They are representing XXXX XXXX which supposedly bought my XXXX XXXX account.They claim my debt is XXXX but they will settle for XXXX at XXXX a month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: I signed up for the American Express Platinum card on XXXX XXXX and was rewarded XXXX Membership Reward points on XXXX XXXX, within the 3 months required to meet spend. On XXXX XXXX I had the points wrongfully removed without any proof of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgagee is refusing to release insurance funds to contractor to start work on my house which was destroyed by fire in XXXX 2014. There was a partial explanation as to why this is happening and we have been unable to get an audience with the XXXX XXXX XXXX XXXX XXXX Dept. after numerous calls for an explanation. Each department claimed that the issue was to resolved by the other and no one took responsibility for taking care of this matter. They stopped taking the monthly debit payments without an explanation and refused to take a payment by check for several XXXX dollars which was taken to them in person. According to them, fees of some type was omitted when our modification was negotiated with XXXX which was denied an adjustment at that time and now they are apparently trying to add to our forced arrears. XXXX XXXX '' ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: My JP Morgan Chase Checking Account XXXX was overdrawn in the amount of {$9100.00}. Chase offer me a settlement compromise, of {$4500.00} in three payment. I refused this settlement offer and requested to pay the account in Full. 

JP Morgan Chase requested I pay {$9100.00} to pay the same in full. I paid {$9100.00}, to JP Morgan Chase. JP Morgan Chase recovery department agreed to notify ChecSystem that the same account JP Morgan Chase reported to ChecSystem is paid in full.

JP Morgan Chase recovery rep. also agreed to provide me a letter on JP Morgan Chase letterhead stating account number XXXX is paid in full as of XXXX XXXX, 2017 as the direct result of receiving payment from XXXX XXXX XXXX in the amount of {$9100.00} bring the account to a XXXX balance. 

I have contacted JP Morgan Chase, twice since performing under our agreement to remedy the overdraft in my above said account, by paying the full balance amount of {$9100.00}. 

The Chase recovery representative agreed to provide me a receipt of payment, showing the amount of paid, with the language " paid in full, '' written on Chase letterhead. 

After I made payment in full to Chase, Chase recovery states they can not give me a receipt, showing the amount I paid, nor will they state the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hi I 've made a payment on my  Amazon.com credit card, before I heard from them I saw my bank rejected the payment for one reason, I 've attached a snap shot where you can plainly see when they charged me {$29.00} ifs for Amazon while there was {$400.00} in my account. My payment was {$110.00}. Clearly the money  was there. I immediately I log on and pay {$300.00} and they tell me my account is closed. With no warning, no letter in the mail, no phone call. I 've called to try to speak with them but I 'm refused any help. I was informed that they sent a letter on the  XXXX . Which is 9 days after my payment was due. And told I would n't recieved it f or 9 to 1 0 days. Stating my account was closed. Also I 'm not given any information about the reporting of my account to the credit beurro. I was given an address at end of call t hat may or may not review my info. Also I asked if the payment was submitted 1 or 2 times to my ba nk and recieved no answer in regards to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ON MY XXXX CREDIT REPORT I HAVE MISSED SPELLED NAMES AND ADDRESSES THAT DON'T BELONG TO ME NAMES : 1. XXXX XXXX XXXX 2.  XXXX XXXX 3. XXXX XXXX ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX  XXXX FL XXXX 3.  XXXX  XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX, FL. XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX PHONE NUMBERS : 1. ( XXXX ) XXXX 2.  ( XXXX ) XXXX 3. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( 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 03/16/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have never received monthly mortgage statements from SETERUS, Inc. SETERUS XXXX Inc. began servicing my mortgage in XXXX XXXX. I requested monthly mortgage statements via telephone in XXXX XXXX. I was told to make a written request to SETERUS. On or about XXXX XXXX, XXXX, I mailed a written request to SETERUS, Inc asking for monthly mortgage statements to be mailed to me and I requested an account payment history showing payments that I have made to SETERUS, inc. since they started servicing my mortgage. As of XXXX XXXX, XXXX, I have not received a payment history nor have I received a monthly mortgage statement as I previously requested in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Savings account) with UBS BANK USA (CA).
Issue: Account opening, closing, or management

Complaint: I was charged {$150.00} for withdrawing my money from UBS. If I 'd known, I would never, ever put any money there.

Company response to consumer: Closed with explanation