milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TMX Finance LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with Synergetic Communication Inc (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are mistakes happen in my report, I have never paid late these accounts :   XXXX   XXXX    XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (FL).
Issue: Deposits and withdrawals

Complaint: Rush Card did routine maintenance to a new server on XXXX XXXX, 2015. It has since then not deposited people 's money into their accounts. Mine included. My husband and I are awaiting our paychecks via our direct deposit to our Rush Cards. Customer service numbers hang up on you, the website is now down ( again ) and NO ONE is calling back or reassuring that our money is safe and will be to us as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EASTERN ACCOUNT SYSTEM Account # XXXX have a a unverified account from EASTERN ACCOUNT SYSTEM. I had previously disputed this account this account. I have never done business with EASTERN ACCOUNT SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt EASTERN ACCOUNT SYSTEM purport I owe. I request thatEASTERN ACCOUNT SYSTEM Provide verification of the following : XXXX. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EASTERN ACCOUNT SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The 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 06/30/2017 about Debt collection (Auto debt) with Global Lending Services LLC (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I advised this company to stop calling me on the dialer on several occasions. This company has not respected my wishes and continues to call me on the automatic dialer. On  XXXX   XXXX  I received yet another call.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (VT).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXXI wrote a complaint letter to US Bank Home Mortgage Customer Advocacy Center stating that I wanted to be reimbursed for all the PMI payments USBank had been fraudulently collecting from me since the FIRST time I asked for PMI removal in XX/XX/XXXX. I also asked them to waive my appraisal fee since if I hadn't done my own detective work, the advice USBank gave when asking to remove my PMI several times ( including the first inquiry back in XX/XX/XXXX ) was incorrect which would have had me paying on PMI for years to come.

The reason they stated they could not refund me back toXX/XX/XXXX and why they incorrectly stated the guidelines was that the XXXX PMI guidelines had just recently changed and that they were NOT AWARE of the change in guidelines. This is again not true and I again had to do my own detective work to find out what the truth was. The truth is that the guidelines were last updated XX/XX/XXXX. And according to XXXX XXXX : " an approved insurer must conduct and complete a self-assessment of its COMPLIANCE with all requirements of the PMIERS as of the effective date and certify to XXXX XXXX that it satisfies all the PMIERs ''. So stating they were not aware of the changes from XX/XX/XXXX is also a lie to protect themselves. I am appalled at how USBank continues to falsify information at the consumer 's expense. I request PMI removal from original stated request ( XX/XX/XXXX ) as well as appraisal fee waived for the gross misrepresentation of the truth which would not have been identified if it hadn't been for my due diligence. This company is certainly committing FRAUD by every sense of the word " WRONGFUL DECEPTION INTENDED TO RESULT IN FINANCIAL GAIN ''

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 10-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX XXXX I refinanced my home. The first mortgage was held by XXXX. They did not release the lien against the property. Ocwen is the successor company and is reporting the loan as paid of and closed to all XXXX credit bureaus, but refuses to issue a lien release. They claim to have no record of it and do n't know how all XXXX credit bureaus have identical information from them about the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Their investigation did not fix an error on your report

Complaint: I recently submitted a dispute package to Experian. This package contained proof of my identity and current information -- along with letters and proof of identity theft ( affidavit and police report ). The investigation was completed however not all of the accounts that were  opened as a result of the ID theft have been removed, nor was provided with any debt validation information ( 15 U.S. Code 1692g -   Validation of debts ) or proof. The following accounts need to be removed from credit report :  XXXX   XXXX  {$3700.00},  XXXX  {$3000.00},  XXXX  {$3000.00},  XXXX   XXXX  {$1600.00},  XXXX    XXXX   XXXX    {$20000.00},  XXXX  {$790.00}.

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 non-monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX  and transunion won't give credit report online, but  XXXX  did.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Debt collection (Medical) with Helvey & Associates (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Auto) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received communication from a company stating that a debt is due from XX/XX/2014. I do n't own XXXX or XXXX for any debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of the West is reordering electronic deposits and withdrawals in our business banking account. We receive notification of a deposit 2-3 days prior to the deposit appearing in our account, a pending deposit. Our company payroll is also processed electronically, on or near the pay date which is on a Friday every other week. In the last month we have had two separate instances where the deposit and debit post on the same day, yet we have been assessed an overdraft fee.

The bank reversed one of the fees when I inquired about the first charge and stated we should apply for overdraft protection on this account. The overdraft protection is expensive, it applies a fee whether it is used or not and has a significant percentage rate on the overdraft amount. The bank seems to be reordering deposits and withdrawals in order to charge a fee or force us into an even more expensive overdraft line of credit. We have no control over when these electronic items process, we as consumers are entirely in the dark regarding these transactions that appear to be nothing more than a vehicle for the bank to assess more fees to a small business.

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 monetary relief
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt. 

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. 

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX 

Per a letter I received from the Ohio Bankruptcy Court, no  verification was done as the courts do not verify information.

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 01/31/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage told me to submit some paperwork to have autodraft enabled. I submit the paperwork. I was denied autodraft and never was notified by the company that I was denied. To this day I have never been told why I was denied. Later when I was under the impression that autodraft was working I received a delinquent bill phone call from Carrington. So I tried to pay my bill over the phone but was informed there is a XXXX $ charge to do so. So when I went to pay online I was informed that my account is delinquen and I ca n't pay online but that I HAVE to incure the XXXX $ charge to pay over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is the second complaint with CFPB an d Trident.  My first complaint was  XXXX .  Trident  responded with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Section  609! I have the right to request and receive " the name of the person under which such  person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request.  If Trident Assest can not provide this, I want this account removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: On  XXXX   XXXX ,  XXXX , I received a n otification in the mail from Midland Credit Management , In  c, Asset Acceptance, LLC statin g that there was a Civil Procedure and Final Judgement against me from  XXXX  of  XXXX . I was asked to complete  a Fact Information Sheet and r eturn to sender within 30 days. The date of the letter is  XXXX   XXXX ,  XXXX . I have no knowledge of this situation. There is a  XXXX   XXXX  case number attached, when I looked up the case number it was filed in  XXXX  of  XXXX . Again I had no knowledge of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is in direct violation of FCRA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: debt was written off XXXX XXXX 2000 15 years ag0. resurgent capital servives now trying to collect.4 year statute in California..do I need to pursue legal action to get this stopped?

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. Experian I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: I was granted an extension on my loan. I was asked to pay two payments of {$380.00} and was told that would pay the loan until my XX/XX/XXXX due date. This was offered to me by a supervisor. Rver since I made that second payment I continue to get emails, texts and phone calls multiple times a day trying to get me to pay more. I have been told numerous times that the payment was done wrong and it would be fixed and that I would no longer get calls. However I still do. One lady told me well we did not honor the agreement and you did not honor your original loan so there is nothing you can do. That is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the balance of this account for years and I do not believe it has been properly investigated by Capital One. The trade-line has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. I want Capital One to remove its final tradeline for the charged-off Capital One Account ending in XXXX. If not I demand that Capital One send me all of the statements from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Medical) with Finance System of Richmond, Inc. (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am completely appalled that I am being treated in the same manner as a XXXX individual. Meaning I pay a monthly payment that I can afford and I have tried the entire time that my account has been with this place to make payment arrangements, but get refused to set anything " affordable '' up. The only option I am told is it will go to legal attorney then to court. I am a working citizen that first of all pays for my medial insurance, and still I am treated like the individuals that ignore and do not pay anything. Finance System 's moto on their website is untrue. 
**This is listed as step XXXX Accounts are referred to our legal department when our call center receives several broken promises or no voluntary payment. Written authorization is secured from the client prior to taking action. So disgusted that not only myself but I am sure lots of other hard working citizens are being treated like this. 

XXXX XXXX

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