milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried to communicate with GLA on several occasions. I have faxed, and sent certified letters, which were received and signed for. GLA in reporting on my credit report for a bill that I am not responsible for. On top of that, that have ILLEGALLY obtained my XXXX notes to do so. They are violating my XXXX rights and trying to make me pay for a debt that I am not responsible for. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (I do not know) with New Century Financial Services, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I was garnished for a debt by new century and I do n't owe the debt wssnt provided the original debt info and cause embarrassment at my employment for.garnishment and not.knowing about this debt or court to dispute the debt ..I was garnished which cause extreme financial hardship and still ca n't find what this debt was for and I do not owe this money

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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Express Recovery Services, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Upon first request to verify dept, Dept collector did not send anything other than who the dept was owed to. A second request was made asking for a copy of the original signed contract with which I could verify the debt. The dept collector then sent a form letter from the company owner saying I owed the money. Five months later I receive a call from a process server that he has a summons to serve me for collections and court. 

The attorney that owns this debt collection company " Express Recovery has numerous complaints, and was reprimanded by the Utah Bar for unethical practices in 2006 but continues to use unethical practices to collect from people who do n't know their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/26/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Closing on a mortgage

Complaint: The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.

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 01/17/2017 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Ability Recovery Services is negatively reporting on my credit profile. This account was included in a bankruptcy ( with the original creditor ). This account was illegally placed in collection AFTER everything was paid in full ( XX/XX/XXXX2016 ). This reporting tactic is demonstrating financial harm and presents legal grounds for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, I attempted to deposit a check for {$380.00} into a Chase Bank atm located at XXXX XXXX XXXX XXXX, XXXX, IL. The atm took my check and spit out a receipt saying the atm has experienced a technical problem and I need to call Chase to file a claim, which I did. In the meantime, Chase deposited temporary funds into my account. Nearly 2 months later, I learn that Chase is removing the temporary funds because the check has indeed been cashed -- BY ANOTHER CHASE CUSTOMER -- and deposited into THEIR account, not mine. The agent I spoke with on the phone suspected the atm spit my check out at some point and somebody else cashed it! Chase is taking zero responsibility for this and has completely put the burden on me, saying that I need to contact the issuer of the check ( XXXX XXXX XXXX XXXX of IL ) and ask that they contact their bank and submit a fraud claim. Meanwhile, they are removing the funds from my account and I 'm left to deal with this situation completely on my own. 

I ca n't get any status updates from XXXX and Chase says they ca n't do anything either. I feel like I am never going to get my money and my only wrongdoing was attempting to cash my check. Chase 's atm malfunctioned, Chase allowed another customer to deposit a check that clearly belonged to someone else, and this other user is a Chase customer, yet Chase refuses to take the money out of their account and put it into mine. It 's been almost 3 months and I feel like I 've hit a total brick wall and am no longer making progress in resolving this issue. They have been incredibly unhelpful and have put the burden completely on me and the issuer of the check, which, unfortunately is a huge insurance corporation that probably does n't have the time or interest in helping me. I hope you can help me. I do n't understand why they wo n't just assume responsibility for their malfunctioning atm and for the fact that they allowed a stranger to deposit my check. I just want my money. I have given over 15 hours of my life to resolving this -- between being on the phone with Chase and XXXX XXXX XXXX XXXX and speaking with a banker at the branch. I 'm tired. I want it to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: EXPERIAN REFUSED TO UPDATE MY PERSONAL INFORMATION ETC PLEASE SEE ATTACHED FILE

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a loan from Navient for XXXX school that I have been paying back. I was over due on my payments and tried to make a partial payment on Navient website but it would n't let me make a partial payment under what they wanted which was {$1000.00}. I was forced to put my loan into forbearance again. This keeps happening with them and they have not offered any kind of plan with lower interest rates for me to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Firstsource Advantage, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ON  XX/XX/XXXX  I called One Advantage LLC formally known as Firstsource Advantage , LLC at telephone number  XXXX  about a collection on my credit report I spoke with a rep by the name of  XXXX  that stated he could not hear me I asked him to hold while I adjust my phone he hung up on me. I then called the same number back (  XXXX  ) again and spoke with a    XXXX   XXXX    that first asked me the spelling of my last name then first name and then my date o f birth. I told her that I had a copy of my credit report and it had her company listed and I was not familiar with that company nor did I owe that company. She stated to me that her company purchased my account from  XXXX   XXXX   XXXX  for a   XXXX   XXXX   that I received on  XX/XX/XXXX . First of all I never received a  XXXX  because the wait was long I left the hospital, so the hospital charged the insurance company for service I never received, needless to say then supposedly send me to a collection company for service or something that I never heard of. I asked her if she could send me verified documentation with my signature and social security number to verify what she saying is correct and she said that she would not have that information. I then stated to her unless she could verify that I owe her company {$1300.00} the collection from her company should be removed from my credit report immediately. She refused and stated that the amount and debt was valid. I told her that I never received any services from  XXXX  and she again stated that I received a   XXXX   XXXX  . If I would have received any service for the collection company to know what service a hospital provided if any were provided is  against HIPPA v iolations so for that reason alone and the fact that I never received any services and nothing can be validated I am requesting that again One Advantage remove this insane debt off of ALL  XXXX  OF MY CREDIT REPORTING AGENCEIES (  XXXX ,  XXXX ,   XXXX    )  it 's damaging my credit rating and causing me hardship of not being able to purchase my home. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Trouble during payment process

Complaint: They are saying I'm XXXX behind on payments. I use to pay XXXX a month and now my payments went up to XXXX. I recently had to hire an attorney to help me get in contact with someone from the company, because they refuse to call back or answer letters. I told them I can only afford XXXX a month if they made it go up told me it wouldn't be a problem. Here it is 5 months later, and now on my credit report they say I haven't paid but take my XXXX $ check every month! I just want to resolve the problem, and get this fixed my credit is the only thing hurting!

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discover Card has been reporting an account that I'm listed on as an " Authorized User '' as being CLOSED/TERMINATED yet the account is " OPEN '' and this is in error. The Primary Cardholder has on several occasions communicated with them that this is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2017, i sold XXXX LTC which at the time was worth {$150.00}. As of now it has been 3 weeks since i sold the virtual currency and i still have n't received any form of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Medical debt) with FIDELITY CAPITAL HOLDINGS, INC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.
I do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The account was not accurately verified. They have not shown a contract with my signature as requested.

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 06-11-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have no idea who or what this is. Never received a bill never received a phone call or any correspondence what so ever. I just found in on my credit report and have no idea what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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