milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Here is the email I got from Cash Advance collectionfrom XXXX XXXXXXXXXXXX & gt ; Find Your Warrant Copy : XXXX which will be going to release on Monday evening XXXXThis is the XXXX final chance for you. 



This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is the XXXX final chance for you. 
This Legal Proceedings issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



CASE NO : # XXXXAmount Outstanding $ XXXXWe have sent you this warning notification about legal proceedings of XXXX XXXX, 2014 but you failed to respond on time now it 's high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. 



Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.

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 03/22/2017 about Student loan (Non-federal student loan) with First Financial Resources, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with ENCORE CAPITAL GROUP INC. (VA).
Issue: Other

Complaint: On XX/XX/XXXX I sent out a certified letter to Midland Credit Management which was recieved by their office on XX/XX/XXXX notifying them of an inaccuracy on my credit report their response to me they sent my letter & all my documents back to me thats it no letter explaining why. I attached all my supporting documents showing where they are reporting to XXXX & XXXX a reporting date of XX/XX/XXXX & a report date of XXXX for XXXX I have a letter from Midland stating that Midland became the servicer of this account on XX/XX/XXXX so reporting a date of XX/XX/XXXX is in violation of the FCRA which states : " The FCRA is the act that regulates the collection if credit information and access to your credit report. It was passed in XX/XX/XXXX to ensure fairness, Accuracy and privacy of the personal information contained in the files of the credit reporting agencies I did offer a settlement with them due to the inaccuracy to clear this matter up since its ruining my credit reputation & have it removed but they gave no response just sent my info back to me

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The name of the debtor is XXXX XXXX XXXX and they have 5 negative marks on my credit that were suppose to remove due to legal action taken by the CFPB back in XXXX XXXX, I have never signed any loan agreements with XXXX XXXX XXXX but it states that XXXX XXXX XXXX placed the negative marks on my credit. I am still getting calls from XXXX XXXX trying to collect on this debt. Please see the copy of the order : CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX for Illegal Student Loan Debt Collection Lawsuits All XXXX Loans Will Be Independently Audited, Companies Will Pay at Least {$21.00} XXXX and Stop Suing for Invalid or Unverified Debts XXXX XXXX, XXXX Share this Share on XXXX Share on Twitter Share on XXXX Share on email XXXX, D.C. The Consumer Financial Protection Bureau today took action against the XXXX XXXX XXXX XXXX XXXX and their debt collector, XXXX XXXX XXXX XXXX, for illegal student loan debt collection lawsuits. Consumers were sued for private student loan debt that the companies couldnt prove was owed or was too old to sue over. These lawsuits relied on the filing of false or misleading legal documents. The proposed judgment requires an independent audit of all XXXX student loans in the XXXX XXXX XXXX XXXX XXXX portfolio. It prohibits the XXXX XXXX XXXX XXXX XXXX, and any company they hire, from attempting to collect, reporting negative credit information, or filing lawsuits on any loan the audit shows is unverified or invalid. In addition, it requires the XXXX XXXX XXXX XXXX XXXX to pay at least {$19.00} XXXX, which includes initial redress to harmed consumers, relinquished funds to the Treasury, and a civil money penalty. Under a separate consent order, XXXX XXXX XXXX XXXX is ordered to pay a {$2.00} XXXX civil money penalty. 

The XXXX XXXX XXXX XXXX XXXX and their debt collector sued consumers for student loans they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Were ordering them to pay at least {$21.00} XXXX, stopping them from filing illegal lawsuits, and requiring the trusts to thoroughly audit their loan portfolios to identify any other consumers who were harmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!

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 08-06-2017 about Debt collection (Other debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have requested that this creditor provide the validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 113 days. The collection amount is listed on my credit monitoring site for {$98.00} and I was never made aware of such debt in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Auto) with World Omni Financial Corp. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I specifically told my auto loan company ( XXXX XXXX Toyota Finance ) I would not give them the name of my workplace or the number. The following day they contacted me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. 

The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel 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 01/15/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Company known as 1st Recovery has made repeated phone calls to my cell phone, my parents house phone and my dads cell phone. Refuses to stop calling. Calls all phones right at XXXX, XXXX. Relentless Continues even after asked not to call. I ca n't even get a straight answer as to what this is about.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with Eltman Law, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently was having my wages garnished by a debt collection agency ( Eltman Law, PC ) they were garnishing my wages for more than XXXX moths. Once I noticed and realized what was happening I contacted ( Eltman Law, PC ) they sent my a letter stating the ( Creditor ) and the ( Amount owed ) and ( Account # ) they said the account was opened on the year ( 2000 ). This account does not belong to me. Also if this account is from the year ( 2000 ) its been more that XXXX years that this debt has been outstanding. It is ILLEGAL for ( Eltman Law, PC ) to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed XXXX XXXX for the amount of {$320.00} & {$520.00} on my credit report as I paid the original creditor XXXX XXXX XXXX XXXX and it should have never went to collections. I contacted original creditor XXXX XXXX XXXX XXXX who had reported it to check cashing agency XXXX. Once I contacted XXXX, they agreed and had XXXX remove from my file and reinstate my check cashing privileges ( see Attached ). I contacted trans-union to have them remove from my credit report stating that I paid the original creditor and it should have never went to collection agency. Trans union sent letter stating that XXXX XXXX will not delete and says information is correct. I contacted XXXX XXXX and told them I had paid original creditor and this should be removed from my credit report. XXXX said that XXXX was the one that reported it and they were working on their behalf. I called XXXX and they sent me a letter stating it had been resolved and removed from my file. I sent letter to Trans-union and XXXX. ( see attached ) Trans-union just informed me that XXXX will not remove because it states now that trident bought it from another agency, XXXX that is not on my credit report and new to me. XXXX also sent me a letter stating that they bought this account from another agency. They are reporting false information and I have proof that the checks were paid and resolved according to XXXX. ( see attached ) I have no knowlege of another agency because the XXXX said they only report to XXXX. This trident agency is a scam because I paid these checks already and they are refusing to delete it off my file. It is not my fault if they bought an account that had already been paid for, I should not have to pay twice for there mistake!!!

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 07/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Payday loan) with Rosen Management Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rosen Mgmt at XXXX has been calling me about a debt that I do not have any knowledge of owing from 2011. They are claiming i took out a payday loan and did not pay it back. I have no knowledge of said loan. Then she claimed to be from the garnsihment dept of Rosen Mgmt and my pay was about to be garnished unless I paid said debt. I asked them for information on the debt and she stated I should have received it in the mail. I said i have not received anything from you company. She then stated it was sent cerftfied mail. I said could you send it again. I have been waiting 2 weeks. But, this debt collector called my place of employment. Claim # XXXX. I 'm also getting a robo call once a day from them using various numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. 

I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. 

I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). 

I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: CRV violation. fraudulent accounts or charge appear on my credit.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!

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 09/21/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Other service issues

Complaint: I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.

Company response to consumer: Closed with explanation