milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I HAVE A LOAN WITH CARFINANCE.COM ( LOAN # XXXX ) AND I HAVE RECEVED NUMEROUS CALLS EVENTOUGH I HAVE TOLD THEM A DATE I WOULD PAY. I AM CURRENTLY A MONTH BEHIND BECAUSE OF FINANCIAL CIRCUMSTANCE, BUT I HAVE ALWAYS MADE MY PAYMENTS WHEN I SAY I WILL VIA XXXX. THEY SAY THATS NOT A SECURED ARRANGEMENT BUT THAT THEY WOULD NOTATE IT IN THE SYAYTEM ON WHEN I CAN PAY. WELL, I HAVE TOLD THEM SNCE XXXX XXXX WHEN I MADE MY LAST PAYMENT THAT I WOULD NOT BE ABLE TO PAY UNTIL XXXX XXXX MY NEXT AVAIL PAYDAY TO MAKE THE NEXT PMT. WELL I PAID ON FRIDAY XXXX A XXXX PMT {$310.00} AND CALL IN THE REF # AND I ALSO LET THEM KNOW MY NEXT ARRANGEMENT XXXX/XXXX/16 {$310.00}. I END UP GETTING A CALL ON MONDAY XXXX AT XXXX AND THEN XXXX CALLS WITHIN XXXXHRS APART TISMORNING XXXX/XXXX/16 AT XXXX and XXXX!!!!! THIS IS A VIOLATION OF Fair Debt Collection Practices Act ( FDCPA ), The Act prohibits certain types of " abusive and deceptive '' conduct when attempting to collect debts, including the following : 1 ) Communicating with consumer after request for validation has been made : communicating with the consumer or the pursuing collection efforts by the debt collector after receipt of a consumer 's written request for verification of a debt made within the 30 day validation period ( or for the name and address of the original creditor on a debt ) and before the debt collector mails the consumer the requested verification or original creditor 's name and address. 2 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously : with intent to abuse or harass any person at the called number. NUMEROUS TIMES HAVE A PAID WHEN I SAY I AM GOING TO PAY. YES, I AM CURRENTLY BEHIND A MONTH ON THE PAYMENT BUT I HAVE GIVEN VERIFIABLE ARRANGEMENTS ON WHEN I WILL PAY. I WO N'T DO CHECK BY PHONE BUT I WILL DO XXXX PMTS TO AVOID RETURN FEES WITH MY BANK. LAST MONTH THE SAME THING HAPPENED WHWER EI WOULD GET CALLS ALMOST EVERYDAY EVEN AFTER I TOLD THEM WHEN I WOULD PAY. IM NOT A BAD PAYING CUSTOMER JUST A SLOW PAYING CUSTOMER BUT I AM ALWAYS TRUE TO MY WORD ON WHEN I WILL PAY. I CONSIDER THESE RESULTS GIVEN UP TOP HARRASSMENT AND WANT IT TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!

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 10/16/2017 about Mortgage (FHA mortgage) with TAYLOR MORRISON HOME FUNDING (GA).
Issue: Closing on a mortgage

Complaint: The closing date for this loan was supposed to be on XX/XX/XXXX. The  company did not deliver a ready for closing and/or moving in. They refused to do the proper repairs to the house before the closing such date. After phone calls to them and e-mails, they were silent for 23 days. Then on XX/XX/XXXX sent a notice of action claiming we Withdraw the Application. This is not true. My spouse 's credit has already been damaged by the Credit Bureaus. We need your help correcting this. 

Company in Question is : Taylor Morrison Home Funding, XXXX XXXX North XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Amount and Loan no. : XXXX # : XXXX {$240000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (VA).
Issue: Taking out the loan or lease

Complaint: I have filed a personal loan application with Prosper on XXXX/XXXX/2016. As I indicated in my application that I am a XXXX, Prosper did not have a specific form for this type of income statement on their website and asked to call them, which I did next day. 

On XXXX/XXXX/2016 I submitted all additional documents and was notified by Prosper that my loan is 100 % funded. 

On XXXX/XXXX/2016 I received a message from Prosper that my loan has been cancelled due to " We could not verify your employment status. '' In their message Prosper also stated that " You should re-list as soon as : You have changed your employment status to XXXX '. '' Since I did state my status as XXXX in the original application ( I am a XXXX ), this message sounded completely lunatic. 

I proceeded with e-mailing Prosper customer service and received the following reply : " We do apologize for any frustration. With the listing cancelled, you will have to relist. I have updated your employment status to XXXX. Unfortunately, you will have to submit a new application with the information updated on your account to move forward. Thank you for your patience. '' I followed Prosper 's advice and filed a XXXX application. This application has been denied due to " We are unable to accept your application at this time because our records show that we 've recently declined your request for a loan through Prosper. You are eligible to reapply 120 days after the date that your previous application was denied. We hope to see you again soon. '' While Prosper certainly has the right not to issue me a loan, Prosper does not have a right to engage in fraudulent deceptive practices and flat out lie to their loan applicants. I would like you to investigate this matter and subject the company to appropriate liability, whether in a form of a fine or any other measure of liability the Bureau will see fit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: again wells fargo cant get thru cant get a  n ex tension for   XXXX   XXXX   mediation person to get my documents to avoid foreclosure. try to leave a message to no avail cant take this stress should not have to. i am told she cant talk to me when account is in litigation but my deadline for docs is   XXXX   and i have many questions and dont have some of the docs she needs etc. please also note i sent a request to bank about loan I am filing motion for summary judgment to dismiss foreclosure but am concerned over the lack of responsiveness despite many messages for mediation person  XXXX   XXXX . Still have no answer as to whether property taxes were adjusted as a result of what i sent in to do it. but mainly i am trying to protect myself. i need to hear from   XXXX   XXXX   for whom i left many messages so i can return docs to her for loan modification. i am also concerned based on past experience that this request will be handled fairly please send this to them at once.   this should not be so difficult. i have also applied to hardest hit program. foreclosure complaint is problematic. i have requested discovery from bank 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 06/19/2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.

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 05-11-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MT).
Issue: Advertising and marketing

Complaint: In XXXX of XXXX I received a solicitation from XXXX XXXX Bank XXXX XXXX with an offer, " 0.00 % APR on all Purchases and Balance Transfers good until XXXX XXXX ''. I have received several similar offers since then, with the words inserted after balance transfers, " when you use these checks ''. Had that wording been on the offer I received, I would have behaved very differently. As it was, since I had a zero balance at the time, I preceded to make purchases with my credit card, " all purchases '', and to pay the minimum balance due. I have participated in many 0 % on purchases offers previously and since this one. I have always paid off the balance before a higher rate of interest started. 

While I had been paying attention to not go over my credit limit, it was not until XXXX that I noticed a large amount of interest was being added. When I called the bank, I was told that they did n't mean " all purchases '' ; just the ones made with the XXXX checks enclosed. Since no one I talked to at the bank offered any recourse, I immediately paid off the balance on my account, which included over {$800.00} in interest. 

Even if I had written a check for the entire amount of my credit line. The fee that I would have paid would have only been about {$340.00}. 

They must have realized that their wording was deceptive to have changed it so quickly after their 1st offer, but so far they have refused to acknowledge this to me or to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I need your help in order to get in touch with my bank and try to solve my problem. I would like my XXXX XXXX XXXX to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$350.00} on XXXX/XXXX/XXXX. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (Debt settlement) with GLOBAL CLIENT SOLUTIONS, LLC (IL).
Issue: Unexpected or other fees

Complaint: I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Medical) with Alorica Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I mailed West Asset Managment a validation of debt request letter on XX/XX/2015. 

Pursuant to the Fair Debt Collection Practices Act, I requested the following information : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

I requested the information be furnished to me within 30 days or all collection activity cease and negative accounts be removed from my credit reportsWest Asett Management failed to respond to my validation request within 30 days from the date of their receipt. 

I received a letter dated XXXX/XXXX/2015 from West Asset Management stating that " pursuant to the enclosed debt verification, West Asset Management , Inc. and it 's client ( XXXX XXXX XXXX XXXX ) have concluded that the information on my credit report is accurate ''. However, there was no enclosed debt verification attached to the letter they sent me. 

West Asset Managment does not have a license to collect in the state I reside in ( Missouri ). 

I believe West Asset Management is unethical and nlawful debt practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX I submitted full payment on the balance due on the account. This should have ended the issues I have been having with excessive interest charges, bringing the account to a {$0.00} balance. 

The payment due date was XXXX XXXX. 

On XXXX XXXX I am charged YET ANOTHER INTEREST FEE of {$16.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My daughter ( deceased as of XXXX XXXX, XXXX ) and I ( co-borrower ) initiated a government student loan ( what I thought was a government student loan and according to XXXX XXXX XXXX, Federal student loan ) XXXX XXXX. Payments did not begin until she graduated from XXXX XXXX XXXX XXXX in XXXX ( so I assume the protocol of student loan was being followed ). She was making payments and was current as of XXXX XXXX. Her unexpected death has left me as guarantor of the loan which I thought could be forgiven based on " student loan '' protocol. I have been " slapped '' with a civil judgement at this point in time which a first payment is expected XXXX XXXX, XXXX. I no longer have the income to support payments of this debt ( retired/pension ). I am seeking forgiveness or cancellation of the debt ( XXXX ). The initial school was XXXX XXXX XXXX XXXX. The promissory note and death certificate are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had major surgery in XXXX XX/XX/XXXX and had paid my deductible in full, all medical bills were covered. 
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) did not file the correct insurance information, even though it was provided several times and sent the account to XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX ) XXXX XXXX finally sent the correct information and they were paid in full XXXX. I have made repeated attempts to have this removed but XXXX is refusing to remove it. THis also happened at XXXX ( a sister company to XXXX XXXX ) and they removed it from collections. I have contacted XXXX XXXX and am awaitng a return call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown account and no verification on file. Also need to make sure I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax shared my personal credit information without my consent. Upon checking with the website Equifax set up in response to the cybersecurity threat i was informed that i may potentially have been a victim of the cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent Transunion a identity theft report and they said they could not accept it without a police report. So I sent them a new identity theft report with a police report, with the items that were not mines and the inquiries that were not mines. This has been a long frustrating process, I have done everything they have asked of me, without getting the results that I am supposed to get. Please help me get this situation resolved. Thank You

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 02/24/2017 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Stoneleigh Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX continues to call and harass me over a supposed debt collection matter at my place of employment. I have informed them on more than one occasion that the number they are calling is a work number and that I can not accept these types of calls at work. I have pictures of phone log from this week with calls made to my work number every day this week. Today XXXX XXXX from Stoneleygh Recovery Associates XXXX called my work number and I again informed him not to call me at work, he continued harassing me saying that there was no other way to contact me and that he was attempting to collect a debt. Earlier this week someone from Stoneleigh Recovery Associates LLC spoke to my boss and informed him that they were calling looking for me to settle a debt I owed. Stoneleigh 's aggressive call tactics are harassing and have put my job in jeopardy. I was told at work that I can not receive these types of calls anymore. I have no other recourse than to file a complaint against them for repeatedly calling my place of employment after I have asked them not to and for threatening/intimidating me by providing private information about a personal debt matter to my boss at work. Stoneleigh Recovery Assets LLC is repeatedly contacting me at my place of employment after being told that my employer prohibits it. I have tried to call them after work on numerous occasions and can never reach anyone. I am concerned someone has my personal information that is not a legitimate company and will use my information illegally.

Company response to consumer: Closed with non-monetary relief