milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT

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 03-06-2018 about Payday loan, title loan, or personal loan (Title loan) with WELLS FARGO & COMPANY (IA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I bought a pickup from a person in Kansas. He had a loan on it, so i gave him the money on XX/XX/2018. The check was cashed on that day. He gave me a XXXX XXXX XXXX. 
I have called him three times since and he said he called Wells Fargo and they would not give him any answers. He gave me his account no. and i called and I got the same answer. 
Why can't they tell me if they have the title or what? Am i getting ripped off? 
The county that i am from will give me a fine if it is not in by 30 days. Who is going to pay the fine?

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 10-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Credit reporting company Equifax is not helping to create a dispute by saying that there isDiscrepancy in my personal information they are demanding documents DL and SSN card from me If they have discrepancy in personal information then on what basis they are updating my records and score.they refuse to disclose even what is discrepancy This is just harassment I can see all information on credit report then why they need documents from me and if they do not have correct personal information then how they are updating records Request your help to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I was offered 0 % APR for 12 months and a 3 % fee on balance transfers, which promo was ending onXX/XX/XXXX, so I transferred most of my credit cards that high interest including XXXX card. Now my XXXX bill cycle generated and now it 's charging me almost {$50.00} of interest, so I called them up and ask them why is there an interest it should be no interest at all. They said because XXXX is not part of that deal. They asked how did I do the balance transfer, did I talk to someone or did I transfer it online myself, so I said I did it myself, so now they 're claiming well it 's not part of The 0 %, so I explain I did try to call them but every time I called them but its always more than half an hour wait or hard to get through someone, so after talking to this lady she put me through her supervisor and she said that no there 's nothing we can do, or the only thing you can probably do is you can call XXXX and tell them to put it back on that account, then put it back on our account ( XXXX XXXX ) but there 's no guarantee that you 'll get this 0 % again, so What 's the point of even trying that, she 's no help, so when I said I need to speak with someone that 's higher than you she said there is no one else higher than her and she is a supervisor. That she is the Senior Acct Supv named XXXX # XXXX. I still have the email that shows that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with American Capital Enterprises, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been maintaining my credit score and this collection has been handled before. This is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Higher Level Processing (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The company has been deducting monthly payments since XX/XX/XXXX 2016 and none of the payments have been submitted to the Department of Education towards my Public Service Forgiveness Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (LA).
Issue: Other transaction issues

Complaint: I attempted to use PayPal to make a {$3500.00} from a credit card. Despite the fact that my credit card was listed as the payment method, the summary following the transaction stated that the payment would be drawn from my checking account. When I contacted PayPal, I spoke to a representative who explained I would need to contact the vendor or my bank to request a refund or stop payment, respectively. I explained that I would be responsible for an additional fee if I pursued either of those actions. The representative told me that PayPal was still in the process of contacting my bank. I asked that since payment had not actually been processed, that PayPal put a hold or cancellation on my payment so that I could correct which account was being used. She stated she was unable to assist me. I then asked to speak to a supervisor. After a significant amount of time on hold, I spoke to a supervisor named XXXX who was also unwilling to make any corrective actions. I asked to speak to his supervisor at this point. When he asked why, I told him that this is a consumer fairness issue. He again asked me why, and I reiterated the same response. He then told me " We will be happy to keep telling you the same information, '' and placed me on hold again. I then waited on hold for over 25 minutes before hanging up without speaking to a senior supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Payday loan () with Acceptance Solutions Group, INC (MO).
Issue: Charged bank acct wrong day or amt

Complaint: I set up payment to come directly from my payroll and they still pulled the payment from my checking account also ... this has cause an overdraft of almost {$200.00} ... I called and they stated that they are processing a refund but it will take XXXX business days. meanwhile I have bills hitting that will not be paid put my account into further overdraft. The due date was XXXX XXXX, 2016. They received the payroll payment on XXXX XXXX and then drafted my checking account on XXXX XXXX, 2016. The first rep said it was my fault be HR should have put my name on the direct deposit payment ( Her name is XXXX ) ... The second rep stated that the only way the payment should have been drafted from my checking account is if my payroll deposit did n't come or was late and that since it was n't due until the XXXX, there should never have been a withdrawal from my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). A new application was submitted as we were advised by the lender as long as the updated information was received 15 days prior to the sale date - We were advised today they are denying the review due the information not being received 37 days prior to sale in accordance with CFPB - this is not a requirement of the CFPB it is a stated requirement of the lender and not stated in any regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2018 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (UT).
Issue: Trouble during payment process

Complaint: Every month I make payment beyond the minimum payment due for my mortgage. Every month Franklin American Mortgage Company credits extra payment as pre-payment for the next month rather than as extra principal on my account. I have called customer service and I have written customer service and I have been assured that the logic model for making payments to them has been changed, but each month I am treated the same. This approach benefits them as they charge more interest. This is a disservice to their customers and is, frankly, dishonest. Franklin American Mortgage Company could fix this, if they only were motivated to do so.

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 09/29/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear AMERICAN CREDIT ACCEPTANCE, This is my final attempt to try to remedy this incorrect reporting and your company has failed to respond to my letter dated on XX/XX/XXXX in a timely manner. This is to confirm our conversation on XX/XX/XXXX as to the offer of the above-stated account. As discussed, I will pay your company the amount of {$500.00} as payment in full for the final satisfaction of this account. 

once again, I am writing to you in the hope that we may put this matter behind us and settle out the charge off for good, under a few conditions. This will save you both time and money trying to collect the judgment and will help me to recover from your negative entry in my credit history reports. 

I have been offered a loan from a close family member to pay you {$500.00} to settle the debt in-full and have the CHARGE OFF DELETED. 

Upon receipt of the above payment, your company has agreed to change the entry on my credit reports from CHARGE-OFF to DELETED. P.S : based on your decision I WILL GO ON XXXX  AND XXXX TO MAKE LIVE STATEMENT IN REGARDS ON HOW YOUR COMPANY TREATS ITS CUSTOMERS. 

If you agree with these terms, please acknowledge with your signature and return it to me. IF You agree on the terms herein are confidential and you have the authority to make such decisions. No payment will be made without written confirmation. 

Upon receipt of this signed acknowledgment, I will immediately mail you the funds via priority mail. This is not a renewed promise to pay but rather a restricted offer only. If no terms can be met, no new arrangements will be made and the offer will be void. This is my last attempt to try to remedy the incorrect reporting. if I do not hear from you I will be pursuing litigation in my local county clerk of courts. 

cc : Attorney General cc : 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 non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Non-federal student loan) with ConServe (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Contacts me at work after i told them it is not acceptable and that my job was now in jeopardy because of their calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: All my medical bill should have been sent to Attorney XXXX XXXX not to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX Hospitals of XXXX XXXX never billed, or validated when requested, the amount presented ( XXXX ) for XXXX work. there was a erroneous billing to my insurance XXXX XXXX XXXX XXXX and a later refund to them which they applied to wrong bill for later work. Some years later another overcharge and repayment was applied to this item in collection. Not legal as they had turned action over to collection and can not act on the bil the second XXXX dollar overpayment should have been returned and the other earlier bill should have been removed. Multiple phone calls have yielded nothing as each other blame the other.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Payday loan) with Big Picture Loans, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Not Castle Payday, but third party debt collector : -Phone number XXXX XXXX Department of State Division of Corporations Entity Information The information contained in this database is current through XXXX XXXX, XXXX. 
Selected Entity Name : XXXX XXXX XXXX, XXXX. 
Selected Entity Status Information Current Entity Name : XXXX XXXX XXXX, XXXX. 
XXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on Castle Payday, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by XXXX XXXX is unfounded and felonious as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Home equity loan or line of credit) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan modification,collection,foreclosure

Complaint: had a home equity loan with Roundpoint Mortgage servicing corp. got in financial bind tried for over one year to work out something with this co. but was told this loan was due and had to pay all of it {$47000.00}. WE WERE CURRENT WITH our first mortgage so Roundpoint foreclosed.we would have loved to stay in our home of 16 years as my wife and I are on XXXX. I just think this co.was unfair to us @ this time our country was coming out of a recession.It has been 7 months since roundpoint foreclosed but has not recorded deed to the property. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing account

Complaint: My account has been closed but company refuses to reimburse {$120.00} in gift card balance still remaining in the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with Todd, Bremer & Lawson, Inc. (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: We wish to pay off our mortgage and contacted Bank Of America to get principal, interest and any fees that would be required. They gave these amounts verbally and offered to mail this free or fax for {$30.00}. We preferred to have a receipt showing the itemized amounts we were going to pay and went directly to the bank. The bank refused to provide an itemized receipt. They would only provide a receipt showing the TOTAL amount we paid them and the account number. We asked if we had the banks letter showing these amounts if they would use it showing what we had paid and they refused. They said ONLY the grocery store receipt was all we would get.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion fail to delete wrong information on report.

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