milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with Gurstel Law Firm, P.C. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Auto) with TMX Finance LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX, XXXX, XXXX, XXXX collection agencies re-reported closed accounts to XXXX. XXXX reviewed these accounts and they were billed by a third collection agency. They could not provide proper identification and XXXX closed these accounts on XXXX XXXX, XXXX. In XXXX XXXX they reported them again. In the state of TEXAS the statue of limitations is 4 years. Since these were marked closed can I file in court? I am aware that I can collect XXXX per agency if they report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.

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 06/23/2016 about Consumer Loan (Vehicle loan) with Professional Bureau of Collections of Maryland, Inc. (GA).
Issue: Taking out the loan or lease

Complaint: Professional Bureau Collections of Maryland Inc called my cell phone and left a message not identifying themselves. They then called my employer which was not information provided by me to them or information provided by me to XXXX. When they called my office, they refused to identify themselves. They called back again and still refused to identify themselves. The representative that was on the phone was a female and stated that there was no point in identifying herself. She was requested not to call back at that time. I called the number of XXXX back on my personal cell phone and a man saying that he was the manager got on the phone. I also advised him is not to call the employer and he has a good direct contact number for me that he may continue to use. I also advised him that I would be filing a complaint and he said to do what I needed to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: On  XXXX / XXXX / XXXX  we received an escrow statement from our mortgage company. It stated that we were short in our account due to an increase in taxes and that we would need to come up with {$4000.00} to cover the increase. We immediately called our mortgage company they said that they could spread the payment out for 60 months to cover the cost. However, this would still in increase our mortage payment. And we could end up facing another financial hardship if taxes increased in the future. We were also offered the option of refinancing into a conventional loan with 20 % down. Since we do not have 20 % for dnpymnt. They looked into our equity, and found that we do not have any equity in our home. And becuase the seller increased our purchse price by {$25000.00} it depleted any anticipated equity. They looked at possibly removing our PMI, but they found that the terms of the loan had a non-removable PMI that had been planted into the loan 2 years prior to our opening our mortgage. These were loan terms that we had not negotiated or agreed to. We purchased a new   XXXX   home in  XXXX , so obviously we could not have negotiated a mortgage that existed in  XXXX . At the time of our purchase the seller, nor the mortgage disclosed to us that we were getting what seems to be " assuming a mortgage. '' It was our understanding that we were getting a new loan with a  30-yr fixed rate. Initially this note was affordable for us, but at this point it is more than we can afford. We even tried talking to our local tax assessor office. We took the homeowner tax exemption, unfortunately, because the taxes are so high, the tax break has minimal reduction in our mortgage payment. Homes our not selling in our area, and  yet our taxes are rediculously high.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with Healthcare Management, LLC (CO).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: i was in car accident XXXX and went to the XXXX XXXX XXXX IN COLORADO. I had an active full coverage insurance with my car insurance and health insurance by that time. My insurance had been paid all the related bill regarding my injury by that time and i never receiced any bill from that time until XX/XX/XXXX. I got a letter from collection agency that stated i owed the hospital {$20000.00} that i believed shoud cover my health insurance if the hospital had the right information and file the claim to my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The following creditors submitted a hard inquiry without my permission writen nor verbal or through a second hand solitiontation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received notification that betweenXX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Encircle Collections, Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the last couple months, I have tried to have this collection account removed from my credit report. It is paid in full. I have emailed, called and left voice mails and mailed letters to have this removed. I have not received a response. I talked to the original creditor I owed the debt, and they said it should have been removed. Please, I just want it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Closing on a mortgage

Complaint: Freedom Mortgage carries the FHA loan for my townhouse. I sold the property and will be closing on XX/XX/XXXX. The law firm XXXXXXXX XXXX XXXXXXXX, XXXX, contacted Freedom Mortgage on XX/XX/XXXX, requesting pay-off for XX/XX/XXXX, and received a pay-off amount of {$69000.00} from Freedom Mortgage with a closing date of XX/XX/XXXX. This is {$1000.00} more than expected that I have to bring to the table at closing. I called Freedom Mortgage on XX/XX/XXXX for the pay-off but they wanted to charge me {$30.00}. I also called twice on XX/XX/XXXX for explanation as to why the amount was so high and Freedom Mortgage gave me the run-around with no concrete reason. I was told that there was an FHA charge of {$250.00} and taxes included in the pay-off. I phone twice on XX/XX/XXXX, and was told that the attorney 's office put in the request for XX/XX/XXXX. The attorney 's office denied that they submitted that request. Finally, Freedom Mortgage told me that they made a mistake and it should be for XX/XX/XXXX because it 's a FHA loan. They promised to correct it and placed an accelerated request for the correct payoff. I informed them that the attorney 's office would be contacting them as well.

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 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have been a victim of identity theft for over the pass 6 years .. all 3 credit report have police report on file for me

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 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I have had various checking accounts and a Mortgage through Chase Bank. Going back many years but also just in the last few days I have been a victim of them generating as many Insufficient Funds fees as possible by processing checks and other transactions not in the order they present to the bank but always, always starting with the largest XXXX first and then in order of descending amounts to charge the greatest number of {$34.00} fees. I have also had both a check and a direct deposit occur on the same night several times including once within the past 30 days and on these occasions they list the check as presenting before midnight and the deposit afterwards and again hit me with a {$34.00} fee. I am a XXXX and live off an income of only {$730.00} per month plus some food stamps. In the past 31 days they have taken {$130.00} from me using this method of maximizing fines. On a good month, I can barely survive if, and only if, there are n't any extra or unexpected bills. My XXXX XXXX XXXX car needs many repairs. And chase Bank is robbing me XXXX!!! I do n't know what to do. Their practice targets the poor most of all and if not illegal is definitely unethical. I will be closing that account as soon as possible and shopping for a new bank. But I do n't have enough money to survive the month having lost {$130.00} to them in 31 days and starting this month with negative - {$98.00} in the bank. Is it legal for them to process both a deposit and a check in the same night but to do the check first and charge {$34.00} when the money was there to cover it? Is it legal for them to gouge poor customers by always processing checks in descending order to maximize fines? Is there anything you can do to help me get some of it back? 

Just FYI, we also used to have a mortgage through them but when we got behind and tried to catch up they did everything possible to foreclose and evict us. The legal fees we incurred ( while I was still married ) was enough to enough to buy a car. Chase is a truly malevolent and greedy institution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovate Managed Holdings, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi I just became a XXXX resident and obtained my social security number XX/XX/XXXX. I have been having such a hard time everywhere with my credit because it shows I have cars and other items since XX/XX/XXXX. This information is not correct is not me and I already went to the social security office and they said only my name is under that social security number. what else can I do? I ordering a credit report and they tell me no because my personal information does n't match my social security number. But I have all proofs is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX  - Extension  XXXX  -  Resolution Specialist - Solutions Center  - Nelnet  XXXX  refused to provide any other information to better identity this encounter ; employee ID number, Last Name, Call or Reference number.      XXXX  stated, '' If you dispute these accounts in any way, it will hurt your credit score. " She referenced the F.C.R.A when making these claims.     This is outright false and was interpreted as a threat of action and an attempt to influence my decision for the benefit, and on behalf of Nelnet.      XXXX  was condescending in her answers and ultimately failed to provide answers to critical questions about my account. This is by far the opposite service one would expect from content knowledge experts on student loans and credit. She could not adequately explain how these accounts are reported on as well as the process or reasoning for the accounts ' closing and re-establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and XXXX are reporting duplicate accounts for the same account that has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: Basic background on my credit history, I recently got married and had some medical issues that moved me into some trouble with credit card debt. After 2 months or trying to re-establish and gain control of my credit score, I get a notice from Synchrony Bank that they lowered my oldest credit card limit to make it equal to the current balance. Basically a drop of about {$1800.00}. So, while personally monitoring my score, I watched my score rise from a XXXX to XXXX after resolving a bank error delinquency and paying off about XXXX of my current cards ; about {$7500.00} paid out to cards. After this, my score drastically dropped back down to under XXXX because my Utilization WENT UP from a limit decrease. This decrease also showed that I was utilizing more than 95 % of the card from Synchrony Bank. I then contacted Synchrony immediately to find out why they lowered the limit and it was due to the delinquency ( which had been resolved ). So, in my opinion, it does n't make sense that since my score was low, to make it better by raising my utilization. It just seems like a flawed system. Synchrony wanted to offer to run my full credit report again to try and increase the limit back, but I declined that due to the fact that it would impact my score again. The card was originally with XXXX, and ever since it moved to Synchrony, I have been upset with their bank. The worst part is that this is my oldest account, so closing it would drop my score again. It just does n't seem fair, especially for someone who is doing everything they can personally to recover their score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Someone called me from paramount recovery systems, they informed me that they were calling with the above stated business then they told me they need to verify my name and last XXXX numbers of my social security number. I told them I would not give them that information over the phone. They told me they could not give me any more information unless I verified this information. I hung up the phone at that time. Not once did he say he was calling to collect a debt. I did not know they were a debt collection agency until after the call, when I Google the name he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with URS Holding, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.

Company response to consumer: Closed with explanation