milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 'Collection Notices from XXXX for Equipment that I do not have. ' XX/XX/XXXX - Contacted XXXX and cancelled TV & Internet serices XX/XX/XXXX - Sent ALL equipment back to XXXX  via XXXX ( 2 Cable boxes, 2 Remotes, and 1 Modem with WiFi XX/XX/XXXX - Recieved at XXXX - signed by XXXX ( I have XXXX POD ) XX/XX/XXXX - Received XXXX Invoice for {$1300.00} for Equipment & service XX/XX/XXXX - Called XXXX customer service and explained that equipment was sent back and they said they would send a revised Bill for {$25.00} service XX/XX/XXXX - Received XXXX Invoice for {$130.00} equipment and {$25.00} previous balance. 
XX/XX/XXXX - Call XXXX again, and XXXX said they would look into the {$130.00} discrepancy and get back to me within 1 week. 
XX/XX/XXXX - Received 'Collection Notice ' mail from Credit Protection Associates ( CPA ) for $ XXXX-equipment + {$5.00} Collection Fee = {$140.00} XX/XX/XXXX - Sent written response to CPA > " I Do Not Owe XXXX any outstanding balance. This Claim is Not Valid. I do not have any Equipment that belongs to XXXX. '' XX/XX/XXXX - Received 2nd Collection Notice mail from CPA = Past Due {$140.00} XX/XX/XXXX - ReSent sames Response letter. ( Please see attached ) XX/XX/XXXX - Received Collection Phone Call from CPA-XXXX. I responded with same as above - I do Not Owe and I do Not have any Equipment. 
XX/XX/XXXX - Received another phone call from CPA and I responded in the same way as above again. 
XX/XX/XXXX - I received anther 'Collection Notice ' mail from CPA, {$140.00}

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 10/14/2017 about Mortgage (FHA mortgage) with Selene Finance LP (GA).
Issue: Struggling to pay mortgage

Complaint: In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Other

Complaint: To Whom May Concern : Early Spring XX/XX/XXXX my employer XXXX told me that I was going through a back ground investigation, work they told me that I need to work on cleaning up my credit. When I return from the military XX/XX/XXXX, I came back from XXXX at the hight of the economic bubble overwhelm in depth. I was evicted from a family own home and did not have enough funds amount to pay my bill. I called XXXX on XX/XX/XXXX and talked to XXXX at XXXX, well she informed me that the depth XXXX dollar a XXXX was issued by the IRS and to your company that satisfied the depth with your company but infect your company is going to report 120 day late when the depth was handle. 

This was report two months ago as a 120 day late/or like I was paying on the depth and just quit this year, when infect this reporting will still hurt my score an was incorrect, my score dropped " XXXX '' points for a depth that was handle years ago. A XXXX was issued for the this account and I will take care of the depth with the Federal Government. 

I would like to just move on with my life then having a billion dollar company report incorrectly on a XXXX war veteran. 



XXXX, XXXX XXXX, CA XXXX WFA # 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 02/18/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing this complaint because Midland Credit Management , Inc. has ignored my request for the validation of this debt by not providing me the documents use to verify the account that was disputed. 

Under the law, if a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 

According to Texas Finance Code, the following information was to be provided : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information The debtor stated that they were uncertain what I was specifically disputing and needed written explanation and documentation. I provided that information to them certified. 

The debt collector has five ( 5 ) days after admission of inaccuracy of this debt to cease collections and remove credit bureau listings. 

Also, I believe that Midland is in violation of the settled case XXXX XXXX ( XXXX ) with the FTC by contacting me by cell phone without my prior consent, in violation of the Telephone Consumer Protection Act ( TCPA ), using an automatic telephone dialing system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Trident due to noticing a collection on my credit reports. I contacted them for validation. I was sent a print out of a phone bill from XXXX that I did not recognize. I contacted XXXX who said they have no records of the account. I 've attempted on several occasions to get Trident to validate that I owe this money to them & they have n't but continue to report this collection on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Credit line increase/decrease

Complaint: I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going since XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.

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 07/22/2015 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unknown debt, no verification please remove off of my credit file

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: XXXX    XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.
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The only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.
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I have not received any more communication from TransUnion regarding this matter.

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 03-04-2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (WA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX XXXX XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a XXXX % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in Missouri. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have had an ongoing problem with Seterus Mortgage Servicer since XX/XX/XXXX regarding my escrow account, however XX/XX/XXXX, there was an error made in which to company attempted to charge me XXXX monthy for my mortgage, ( I have the letter ). Now after several months of going back and forth with misapplied payments and ultimately another escrow done XX/XX/XXXX, the error was corrected and my payment lowered from the real amount of XXXX to XXXX. I went to review my XX/XX/XXXX escrow again, it is not available for download, nor are any of my monthly statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX so I can verify the escrow amount during these times. 
This is an essential function and my understanding the law that these documents made available to me in a functional manner. I have consistently had problems with this company and any documentation. I do not want to have to consistently have to contact CFPB, XXXX or any other entity just to get my statements or escrow. 
I believe there to be a further issue but I am not sure of that at this time, it will require further review and may be something I have to cure, but I can not do that without the timely delivery of my documents. 

Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a WV State Tax Lien in the amount of {$690.00} showing on my XXXX credit report and this was paid and released on XXXX XXXX, 2012. I have sent in verification to Equifax showing this has been satisfied and its still showing as unpaid. I have also disputed this with Equifax and never received a response, only stating it was a valid debt and did belong to me. It needs to be updated and corrected that this has been paid and released.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested to see the original contract bearing my signature and their signature not some statement or computer-generated bill and have not yet received it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Managing the loan or lease

Complaint: I took out a lease with GM Financial and paid the lease off in full by refinancing. I received a notice that my payments were not made. I contacted GM and they finally corrected their mistake but they had already reported this to the credit agencies. GM advised they would have this removed from all of my credit reports. They sent me a letter dated XX/XX/2016 that all the credit bureaus had been notified. 
Today I received a notification from XXXX indicating I was late in my payments to GM. XXXX has corrected this and I have not received the recent report from XXXX to see if they have corrected it. 
Despite repeated efforts on my part GM ignored the fact their lease had been paid and continued to notify the credit bureaus I was not paying my lease. 
Please take action against GM

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In the  XXXX  of  XXXX , I applied for income-dependent repayment. This application has still not been processed as of  XXXX   XXXX ,  XXXX . The company, Navient, says that they have not received appropriate income documentation. I have sent them alternate income documentation according to their instructions. I called the company twice and each time the person helping me on the phone could not find any documentation that was lacking. I asked them to submit queries as to what further documentation was needed. The company does not tell me what further documentation they require. I believe this is an intentional action on their part to avoid giving me income-dependent repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect exchange rate

Complaint: Chase is currently overcharging for transactions in GBP. The current exchange rate as of XXXX XX/XX/2018 is XXXX USD/XXXX GBP according to XXXX. Chase is exchanging at XXXX USD/XXXX GBP. They are charging me XXXX Pound Sterling ( GBP ) to XXXX U.S. Dollars ( USD ) not including their {$40.00} wire fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan was modified back in XXXX 2014 under the Making Home Affordable Plan. My lender, Wells Fargo, is now denying assistance due to the already obtained modification assistance last year. I suffered from an income reduction and increased monthly expenses due to the co-mortgagor leaving the household thus reducing my household income by 50 %. I am now 5 months behind and they refused to review my request for assistance through other programs available for help. Please help me save my home!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be on my credit 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 non-monetary relief
Consumer complaint received 07-08-2016 about Debt collection (Credit card) with Convergent Resources, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recieved a Debt owed letter from Convergent Outsourcing, Inc ; Regarding Creditor ( XXXX ), Original Creditor ( XXXX ) Total Balance supposedly owed is {$690.00}. I have tried repeated attempts by phone to contact all parties and none of them seem to be able to tell me information about this account. They all say there 's no recorder of this info, however I have the letter and believe this debt was already paid for in past. Please have this taken off all credit bureau reports ( XXXX, XXXX, and XXXX ). Thank you and Please send info by mail or call.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland Funding has been reporting on my credit reports for over XXXX months and I have never received any initial communication in order for me to verify the debt is mine and accurate. This is the law. This is a major violation and would it taken care immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Payday loan () with Midwest Recovery Systems (FL).
Issue: Charged fees or interest I didn't expect

Complaint: This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation