milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2016 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2009 I lost a job that I had for about 20 years. I found a job 3 months later making XXXX less so I got behind on my mortgage so I ask for a modification they did in but the payment went up I told them that it will be hard but it took a long time and I hired a attorney to help me he drag it along for over a year then I did n't hear from the attorney then I found at he was suspended. So I had to do it myself I think they took advantage of me. Then I ask for another modification because I was struggling they did it went hire I struggle they did another one it went to XXXX over XXXX more then what the original payment in 2009. I thought that when you get a modification the payment go down ( am I right ) so I have gotten behind and they will not help me that 's why I am turning to you guys for help we took in my father-in-law he is retired because he has no place to live and we took in my daughter and he XXXX baby 's so was in XXXX relationship. So all the bills went up I am looking for help so I do n't lose my house my son is upset because we might have to leave.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Incorrect information is still showing on my credit report that I received today when I went to buy a car. 1 ) I had a car loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX. The car payment were made and paid in full as was agreed to under the terms and condition. After car full payment which was in XX/XX/XXXX, The loan lender ( XXXX XXXX XXXX XXXX ) released the car title to me acknowledging all payment made in full. This car was never repossesed or taken to creditors. I paid the car as was agreed to with interest as was agreed under the terms and conditions. XXXX is incorrectly reporting / in my credit report that this was sent to creditors and states that payment was never made in full. How did the bank give me the title for the car in XX/XX/XXXX if the car was never paid in full? I logged complaint back in XX/XX/XXXXwith XXXX, Equifax and XXXX yet the incorrect information is still being reported. <P/>2 ) XXXX is reporting an address that I have never lived in on my credit report : an address that i do n't even know who lives in, an address that I have never been in, do n't even know the location and yet that address being stated on my credit report, never lived there, do n't know anybody that lives in that address, never been on that address not once. i am willing to testify on this in court and under oath

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly disputed the XXXX account on my credit report. Experian did not investigate my dispute and not provided and proof that they contacted XXXX at all. I have sent Experian and XXXX a copy of my identity theft affidavit and FTC report. They refuse to remove the account and refuse to provide any investigations results.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: GM FINANCIAL is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. GM Financial has received notice through The BANKRUPTCY COURT CLERK, on XX/XX/XXXX stating a Chapter XXXX was filed, and on XX/XX/XXXX a signed order by the judge was sent stating all debt was discharged. To date GM Financial never responded, never appeared, and never rebutted the fact they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: the collection agency calls me and just are nasty. they using profanity and threaten me stating I better pay my bill. I asked for a supervisor and instead they hang up on me. I know that for the time they are saying I owe I had health insurance. so I do n't know why I owe them money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife purchased a drink at XXXX XXXX on XXXX/XXXX/16. Address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX. EXACTLY XXXX minutes later an online charge of {$310.00} was made to XXXX XXXX, and an online charge of {$1100.00} was made to XXXX in XXXX and another online charge of {$320.00} made to XXXX XXXX was Declined by Wells Fargo. So it appears that 15 minutes after my wife purchased a Smoothie there were XXXX online charges made Fraudulently by a store employee who skimmed my credit card number. I have active Fraud cases open with Wells Fargo for these charges. She returned home immediately after buying the Smoothie so there was no other store purchases by her or myself. I was at work. I do not know who attempted these purchases. I assume they are female because of the XXXX XXXX purchases. So I am unable to provide the information requested above for the name of the person who committed this crime. I want to be refunded {$310.00} back to my card. I myself contacted XXXX to stop the {$1100.00} charge. Wells Fargo is saying they will not refund the {$310.00} because they show it was delivered to my address. It was not. 4 times a year this stuff shows up on 60 minutes where they get tracking info and wait for XXXX to deliver while you are at work.. Anybody can get any address from the name on your CC in 2 minutes from 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The equifax data breach leaked my sensitive data that I believe equifax did n't do enough to protect and it 's insulting that they wo n't even let people freeze their credit for free. So far all that has been offered is 1 year of their own credit monitoring service which did not even catch the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was, as far as I know, hacked by other parties that stole my information. 

I verified this on Equifax ' website, equifaxsecurity2017.com This is irresponsible and if a company ca n't handle protecting my info, they do n't need it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have mentioned over and over again that I do not take calls from Bank of America. At this point I will consider any and all calls and messages as harassment and will begin logging the calls. I am certain Bank of America can email or use traditional mail services as I do not trust Bank of America and with one of the past complaints they epitomized why when claimed a phone conversation occurred which indeed never took place. The only possible reason Bank of America does not wish to email or correspond in writing is out of fear of documenting responses as they most certainly have email in their offices.

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 08/17/2016 about Debt collection (Mortgage) with National Credit Systems,Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I 've been trying for months to get an online account to pay my bills. Capital One is refusing to get me access to pay them. They deleted my online account, and for months my account username : XXXX said I had no accounts with them. I do n't have the cards and they want a CVV number to them. They 're negatively reporting to the credit agencies information that I ca n't address because Capital One is refusing to give me online access and my account numbers to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have submitted XXXX letters demanding verification of debt and this company replies by stating they have verified the debt and are satisfied it is mine but I have not received any verification documentation as allowed by law. They continue collection efforts by continuing to report a negative account to all credit bureaus. They have deliberately ignored my validation requests and continue the collection process on an account that I do n't own. They refuse to provide me with any document containing my signature or any other information requested in my validation requests. They have added a notation to my credit report indicating my dispute and the fact the dispute is invalid as they have validated the account in house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with Ideal Collection Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: a copmany called Ideal collections has been trying to extort me for XXXX   this is the 3rd complaint i am filing, someone used my identuty to rent an apartment, i have proved this was fraid, i have 3 police reports over the past 6 years the company wants the police to do a fraud affidavid or pay XXXX to remove this from my credit, as it states in the attached police report i am a victim of identy theft and the police do not have a fraud affidavid for me to fill out this document does not exist in any police dept as the police so ideal collections is trying to extorant and HAS placed this item on all my reports and will not take it off even with all the identity theft reports from police and IRS i need action ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Called TransUnion this Morning around XXXX, Customer Service would not Help me take care of Negative Inquiries reporting to my Credit Report, I held on the phone for 45min for a live person to even answer and was blew off in 5min! She wouldnt even let me complete my sentences. I have Inquires that i know that i did not authorize!! I have called the Collectors and TransUnion trying to resolve this matter List of Inquiries that are not Authorize by me 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX XXXX Also i have been disputing the same collection debt from TransUnion for about 2years now this account was removed off all other credit reports bc it was a fraud account but Transunion refuse to remove it off my credit report this account should have been removed off my report it has been well over 7 years JXXXX XXXX XXXX BALANCE {$5100.00}

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
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 sent a number of certified letters disputing items on my credit report that are showing negatively.

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 12/29/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal. 

I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck. 
We have no funds available to cover any unforeseen problems that may come. 

The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators. 

We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner? 

I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner. 

But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness. 


Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (AZ).
Issue: Trouble during payment process

Complaint: I filed bk a year ago and have been able to see my accounts online for chase the entire time and in  XXXX  f last year my attorney faxed in a letter to them saying I could get statements and year end tax items as well and until yesterday I was not able to see my account online for some reason. I called chase they told me due to the new conversion on their system is why I cant see them now and I am not able to pay on line anymore as I have been doing every month from my chase account. they say my bk is not  discharged  when It is they acknowledge they have the discharge but now want a " termination letter '' from the court which takes years to get done. all I want to do is pay my account like I have been doing since  XXXX , on time and in full each month never late. they told me to mail in my payments, this is not secure and I have no way to know they got there or are being applied because I cant see it online like I normal do from my account. no one wants to help me and this lady I spoke to on  XXXX / XXXX / XXXX  named  XXXX   XXXX  who was a manager was the most condescending person I have ever spoken to, I am being discriminated against because I was forced into a bk. they keep loosing letters my attorney send them saying I can get statements or they can speak to me and it cost me money every time it has to be resent to them they are unprofessional and unkind.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with 21ST MORTGAGE CORP. (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX my Heloc was transferred to 21st Mortgage Corp . I started making my payments to 21st Mortgage Corp by autopay as i was with the previous financial institution. I have never ever been late on any of my debt this includes my mortgages, car loans, credit cards, my credit is outstanding and always has been. 

OnXX/XX/XXXX 21st Mortgage withdrew my payment but did not post it because i was in the middle of a loan modification. They told me that my payments would not report late as long as i keep making my payments, which i did, never went late. I have asked 21st Mortgage Corp to make the correction, they said they would look into it and get back to me, i have yet to receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Other service problem

Complaint: I 'm being blocked from transferring funds to an established cryptocurrency exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: Wrong person got the money and stole it ..

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX Il XXXX This company took over our mortgage servicing in XXXX 2014 They were n't sending statements but we sent our monthly pmt ( principal and interest only on this loan ) We pay tax and insurance After a couple months they started taking a monthly escrow from our pmt making it look as tho we were not making a full pmt They also did not apply my pmts to our loan but held in what they call " unapplied funds '' I sent copies of my checks and tax and insurance receipts to their research dept ( with letters as well ) They closed that account and sent me a check with the money that was escrowed out ( that needed to be applied to our loan! ) I sent that back In XXXX oof their letters they were saying they were still waiting for XXXX 2014 pmt! They took over the loan in XXXX! They even sent us something saying that Then after a couple months they started the escrow thing again They send letters of defaullt constantly! XXXX were sent in XXXX this year XXXX was certified They charge MY account for their cert charge! Happened more than once! It is on our credit report as a delinquent loan We went to small claims court and was awarded {$12000.00} in damages They sent an attorney to represent Ocwen but he is not producing any action he promised to institute regarding bringing our account current I know this company is a disgrace to the industry We are distressed and need help We are never late or missed any pmts

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: i got an email from this person XXXXXXXXXXXX she pretend she was buying me furniture and said she would pay via a certified check that she mail to me i deposited it to my account then i send money supposedly to the movers in the XXXX to the headquarters. To XXXX XXXX now the bank has place my account on hold because the check was declined. Now i have to pay back all that money to my bank. Whoever this person is scam me!

Company response to consumer: Closed with explanation