milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (UT).
Issue: Problems when you are unable to pay

Complaint: UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
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 do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX V TransUnion XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ 0/TransUnion {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!

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 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX

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 05/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I contacted Capital One to make an arrangement to settle on my dbet. The representative told me that I couldnt do the payment which would have been {$740.00} and some change to come out of my account the following day. I call the following day which is today XX/XX/XXXX to again try to pay the settlement amount and clear up the debt. First I was told the computers were down to call back in two hours. I did call back and try to set it up again to pay the settlement amount then I was told it was too late they count went into charger off status. I was then told to call back in te hours to speak to a supervisor because the computers were still down. After speaking to three different people including a supervisor who refused to take a payment to clear up this day on two separate days I was unable to settle this debt. I explained I had signed up with XXXX XXXX XXXX XXXX XXXX to help with my debt and somehow after pay {$250.00} since XX/XX/XXXX I saw no improvements. However Capital One has received correspondence from the company and was aware. On both days when I tried to settle the debt myself payment was refused. I also tried to pay the full amount on line and the payment was some how canceled after it showed it was accepted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) 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 08/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BB&T CORPORATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My Name : XXXX XXXX Bank this complaint is againsgt : XXXX & XXXX ( Branch Banking & Trust Company ) Account Info : ( Bank : XXXX ; Branch XXXX ; Customer : XXXX ; Loan : XXXX ) Property/My Address : XXXX XXXX XXXX, XXXX, VA XXXX ) I paid off a 2nd loan ( HELOC ) on my home in 2011 to BB & T ( Branch Banking & Trust Company ). To this day they have n't release the lien on it. I am attaching a letter of satisfaction of the loan upon payment, sent to me by a law firm representing BB & T for your reference. 

I am not being abler to refinance my mortgage to lower my debt as a result of this undue lien on my property. 

I would really appreciate your help and effort in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of TransUnion inquiry glitch, Contacted TransUnion for help, but did not receive any help.

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 02/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Our client, XXXX XXXX, received a loan modification approval dated XXXX XXXX, XXXX. She was unable to make one of the installments timely as she was injured and have all necessary documentation to support. She attempted to make the payment during her recovery but Wells Fargo was reluctant to accept. Litigation efforts proceed and eventually a sale date was scheduled for XXXX XXXX, XXXX. 
XXXX XXXX retained our firm to assist with the loan modification efforts on XXXX XXXX, XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX, XXXX per fax as suggested by opposing counsel. I contacted Wells Fargo directly on XXXX XXXX, XXXX and was given items that were missing or need clarification, contacted our client, and provided them to Wells Fargo on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I followed up again with Wells Fargo who indicated that the file was denied on XXXX XXXX, XXXX ( no time to review requested items ) and denial was never provided to client/our firm. Verbally, the reason for denial was given to myself on XXXX XXXX, XXXX siting that a loan modification was extended and that unless there was a change of circumstance, there would not be another modification agreement. Wells Fargo was unable to locate the denial letter and the reasons for the denial. There is a sale date on XXXX XXXX, XXXX. I submitted the loan modification well within CFPB guidelines in order to have an opportunity to cancel sale. They are reluctant to do so. I will attach the reasons that XXXX XXXX attempted to make her loan modification beyond the timeframe ( XXXX, XXXX ). Further, I have attached the only correspondence provided by Wells Fargo dated XXXX XXXX, XXXX requesting more documentation for her loan modification application. I have also included a hardship letter explaining these circumstances as well. 

I ask for the sale date to be postponed to allow Wells Fargo to review the loan modification properly.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in 2011 I paid one of our payments on line. We were notified that the payment went thru on their online system. It was n't until months later that we were notified that it did n't go thru. By that time we had 3 -30 day late payments on our credit report since it had put us a payment behind by not having that payment go thru. We were told that the problem would be fixed with the credit bureaus by the company but it never was and we have tried repeatedly to have it removed by disputing it with the credit bureaus with no success.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax leak.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Payday loan () with Big Picture Loans, LLC (ID).
Issue: Charged fees or interest I didn't expect

Complaint: I borrow XXXX from BigPictureLoans and now I pay XXXX every other week. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with Professional Recovery Management (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, XXXX and XXXX   credit bureaus listed XXXX XXXX XXXX as collections. I have never had any dealing with this company. I did not sign any contracts with this company. I requested on several occasions that they validate the account in which they are attempting to collect the debt by certified mail. My last attempt was on XX/XX/XXXX. I also made several attempts writing to XXXX and XXXX by certified mail that this is not my debt. Both credit bureaus reported back validated. This is impossible because XXXX XXXX XXXX could not supply them with any validations. This company states that I owe them {$470.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. This is proven to be injurious to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: Walmart credit card closed my account stating returned payments. The payments were returned because of an error when we changed banks. All payments were corrected and made on time. Further, my wife also had a Walmart card and hers was reinstated after the same problem.

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 07/27/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I payed off my credit card and the account is closed.Chase is giving me the run around about refunding my overpayment of {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I successfully completed a 60 months Chapter XXXX Bankruptcy. I filed my case on XXXX/XXXX/XXXX in the XXXX. of Ohio as case Number : XXXX. I received a discharge on XXXX/XXXX/XXXX and my case was closed on XXXX/XXXX/XXXX. The bankruptcy trustee paid my mortgage through the Plan. The Court issued an order on XXXX/XXXX/XXXX finding that all pre-petition arrearage had been cured and that all post-petition payments had been timely made and that the bank should adjust its balance pursuant to the original amortization schedule of the loan. I have timely made each of the payments on the mortgage loan since the end of my bankruptcy. I ordered a complete account history from Citifinancial XXXX. and from the Chapter XXXX Bankruptcy Trustee and gave those records to a certified public accountant. The accountant prepared an official report and came to the conclusion that I owe only {$56000.00}. Citifinancial says that I owe them in excess of {$120000.00} ( though the figure frequently changes XXXX. No one at Citifinancial, XXXX will talk to me and I just get bounced around from customer service to the bankruptcy department and then back to customer service and then back to the bankruptcy department.

Company response to consumer: Closed with monetary relief