milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midstate Collection Solutions, Inc. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: From the very first contact of this company to the last contact of this company they have violated many laws. The very first time they contacted me and I told theme to stop calling. They continued to call my cell phone while I am at work and say if I do n't put it in writing they calls would continue. Second they use an autodialer which my phone number is on the do not call list which violates their laws of use of an autodialer. Third I payed off the debt and requested a payed in full receipt and they said they do n't send me one. Just a payment conformation. Fourth they are charging fees on top of the original debt which is not in the agreement of the original debt. 3 % fee attached to payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wrong amount is n't accurate, but closest choice above. They have refreshed an old debt that I stopped paying on XXXX. They have refreshed it to XXXX. I have disputed with all XXXX credit reporting agencies and re-disputed with XXXX and XXXX. They keep saying the debt collector confirms the last date of activity. XXXX also told me they do not require proof from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Afni was reporting on my credit report that I owed {$100.00} for a XXXX collection. I never owed XXXX XXXX that amount. When I filed a dispute with XXXX they reduced the amount owed to {$0.00} and reported it as if I had paid the {$100.00}. This needs to be completely removed as this is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Credit card protection / Debt protection

Complaint: In XXXX, I had a XXXX XXXX Credit card. This card was used fraudulently and a large amount was on the card. I reported this to XXXX XXXX and they denied the fraud report and proceeded to debt collection. The debt was then turned over to Frederick J. Hanna & Associates located in XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I then started to receive phone calls that were very disrespectful and threatening. They would not stop harassing me. In XXXX I was apparently sued by Frederick J. Hanna & Associates. I was never notified about the suit that eventually went to default judgement against me. After the default judgement a lien was placed on my home that I was never aware of. I am now trying to refinance my home with a VA to VA loan and can not do this due to this lien. I am a XXXX XXXX Veteran on Social Security and have been taken advantage of by this law firm. I know they have violated The Consumer Credit Protection Act with the way they were doing business with my account. As I said before I was unaware of this judgement and lien until last week XXXX/XXXX/XXXX when I tried to refinance my home. 
Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX agreed to settle my debt for {$900.00}. I paid the {$900.00} as agreed upon. They are still reporting a balance of {$650.00} despite the fact that we agreed to {$900.00} which I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with Go Capital Holdings, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I recently received an auto loan from subprime lender GoFinancial XX/XX/XXXX. I was hit with Identity Theft in XX/XX/XXXX and am still experiencing such, including I was hospitalized and was unable to work. I did fall behind on my payments however, I contacted them and advised of my hardships I was experiencing on top of my bank accounts being accessed and liquidated by the infiltrator. I was advised to make {$100.00} payment to avoid my car being repossessed. On XXXX XXXX, my car was picked up a month prior GoFinancial had placed my account in a charge-off status after I had explained my situation and hardships and advised I only had to make a {$100.00} payment. I paid my past due balance and picked up my car but was advised my account will remain in charge-off although there is no actually repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This started with a dispute with a leasing company ( XXXX XXXX ) that claimed that I owed them money. They threatened legal action but instead went to a collection agency NCC Business Services , Inc. NCC sent a collection notice in the mail and I requested that they send proof of what they claim I owe. They in turn began to call me at home and work so I requested that communications be done through correspondence. After that I received a final bullying call to my cell phone and I reminded them to send a letter, instead they attacked my credit and reported negatively to credit agencies. I have yet to receive proof of what they claim I owe but somehow they have the right to tank my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NC).
Issue: Trouble during payment process

Complaint: I have a mortgage account with PNC bank and established an online account access with them. For some reason my online access has been revoked. When I called them why I cant access my account they told me that I dont have an account with them. I have been making payments to them for more than a year now. Im not sure why they are saying my account doesnt exist while Im making my payments on time. My original account was with XXXX mortgage company but for some reason they transferred it to PNC bank and sent me a letter stating that I should send my payments to PNC Bank which I have been doing for more or less 2 years now. Im really worried if Im scammed by PNC bank in deceving me to making payments to them when there is no account. I dont what will happen to my house, not sure who to trust or whom to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with Goldberg & Peretti, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Goldberg and Peretti have called my in laws multiple times this week stating that they were a law firm and that they were trying to contact me in regard to pending litigation they were about to file. After calling and requesting documentation of this alleged debt they refused to provide any documentation or any further information on the debt. They said they had attempted to serve me with a lawsuit but had been unsuccessful. Said they would have a supervisor call me back. I gave them my cell phone to call back and instructed them not to contact my inlaws further. They have called 6 times in 3 days to my in laws. Will not answer my calls and have not attempted to call me back directly. Threatening, misrepresenting themselves as a law firm, repeated calling and refusing to provide any documentation or information. these people are obviously agressively attempting to rip off a lot of people based on the all complaints I 've read so far. Please instruct them to cease and desist any and all further contact.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Struggling to pay mortgage

Complaint: I applied for a modification wit h US Ba nk, and I was denied because it was stated that we needed to be in the home for  one y ear. We have been working with the lender since  XXXX   XXXX ,   XXXX  . During the process, I was sent a package, and began working with a housin g counselor.  At no time was I told I would not qualify for a program because I had not been in the home for a year. We were considering a repayment plan, but the schedule and the new mortgage payment would have been too much to handle. We continued to work with  US B ank, and on  XXXX  we received an acknowledgement letter for the modification request. Again, it is confusing that we would receive an acknowledgement letter regarding a modification when the denial states they could not offer this to us. Since we have moved into this property, we have had water bills that exceeded hundreds of dollars. We had to file a complaint to resolve the last bill of {$700.00}. There has been an increase in expenses due to this unexpected bill, which inevitably was in error. We have not been credited back for the previous amounts that were paid. We continue to fall behind and need some resolution to help us become current with the mortgage

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 04-06-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a loan modification or HAMP, Principal Reduction Alternative and Bayview Loan Servicing says I am not eligible for a loan modification because I did a XXXX-Out Refinance transaction in XXXX and had equity in the property which was fully paid on XXXX XXXX XXXX. I applied for a trial loan modification when XXXX XXXX XXXX was servicing the loan and was approved for a Loan Modification as per the attachment on XXXX XXXX XXXX. For some reason unknown since this loan is with the same investor they will not review any option for a loan modification. 
Please advise how I may save or keep the home because Bayview Loan servicing is saying that I need to pay the past due balance in full to reinstate the loan. 
Currently the home is not in foreclosure. Please advise any option available regarding a loan modification for to keep the house from Deed in Lieu, Foreclosure or Short Sale, my cell at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: The bank 's mistake led to overdraft charges on my account. The bank 's discriminatory practices will not allow me to make ATM deposits on weekends or holidays. Charges that where apparently on hold where not included in my available balance. After making several charges, the charges on old then appeared forcing my account into a negative balance. The bank then added several XXXX dollars in overdraft fees. The bank refuses to deduct the overdraft charges and places the blame on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.

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 01/19/2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Trouble during payment process

Complaint: case XXXX still an issue and lender not taking payment. I never mention to stop automatic payment. just changed account to draft for auto payment. if they stopped it, they need to fix. the payment is late yet again and the lender 's poor process is affecting me as a consumer affecting

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Settlement process and costs

Complaint: I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bakruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?

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 04-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every year I try to use annual credit report.com and every year it is broken and locks me out of reviewing my data for free from XXXX-XXXX of the agencies. 

I tried to submit a complaint to them, and their site errored out. How convenient!!! 
Totally unacceptable. They ask extremely obscure questions that are almost impossible to know the answers to. If you do n't get these obscure questions right, YOU ARE LOCKED OUT!!!!!! 

Example : Did I open a mortgage account? I am very naive about financial instruments. I have no credit card, no loans, nothing. However, I live in a rent stabilized apartment in XXXX. By law my landlord must put my security deposit in some kind of savings account to accrue interest. Is this a mortgage account? How XXXX should I know? But I have to answer these questions 100 % right OR I AM LOCKED OUT WITHOUT ANY ADDITIONAL CHANCES TO TRY, OR ANY ALTERNATE QUESTIONS. 

Another example : What county did I live in in 2003. Well I was in college then, and I see the county I lived in so I selected it. I was totally unsure this was the right answer as my drivers license and learners permit have never used any address other than the one I have had, and currently have ( 20 years, XXXX apt , remember ). Luckily they were looking for my XXXX county, but if i was wrong. I 'm XXXX out of EASILY getting me free report. 

THIS HAPPENS TO ME EVERY YEAR. WHY DOES THIS SERVICE EVEN EXIST IF IT IS SUCH GARBAGE? 

I am not alone in my complaints : XXXX Do n't worry though, they will totally sell you the report if you cant get it for free. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my Equifax report, I have requested in writing twice now for Equifax to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.

Company response to consumer: Closed with explanation