milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2015 about Debt collection (I do not know) with SIMM Associates, Inc. (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with BMO HARRIS BANK NATIONAL ASSOCIATION (NJ).
Issue: Wrong amount charged or received

Complaint: https : //www.bmoharris.com/main/personal/checking-accounts/smart-advantage/ BMO Harris Bank : The bank advertises 0 fee with NO fine print for international incoming wire  transfers.This is false advertising and this is not how it worked out for me when I used their service. <P/>I opened a checking account with them on XX/XX/XXXX because they advertise the 0 fee for incoming wire transfers which I needed to receive from family in XXXX. I had a wire transfer into my account initiated XX/XX/XXXX and received the following day. The expected amount was USD XXXX but only USD XXXX was received. <P/>When I called their Wire Transfer department today to inquire about the missing {$20.00}, I was told there is an intermediate bank which takes a commission and it is not their responsibility and I should check with the sender. The sender has paid separate fee to the sending bank for initiating the wire transfer and has nothing to do with intermediate bank either. <P/>{$20.00} is not a big amount, but the advertising is false and it should be corrected. At the very least they should notate this in the fine print instead of saying no fees for incoming wire transfers warning to the fact that the transfer could be routed through an intermediate bank that would result in added fees. Nowhere is that listed and it is still advertised as such on their website that they do 0 fees incoming wire transfers.

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 11/19/2016 about Student loan (Federal student loan servicing) with MOHELA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This Loan was included in my bankruptcy. 
The Trustee in the bankruptcy said this loan was approved to be discharged in bankruptcy, but Mohela & US Dept. of Education refuse to see that. They say I did not supply a " Hardship Test '' If US Dept of Education and Mohela felt there was an error in the Bankruptcy Case they were to respond as any other creditor would half to by the date determined in my case file. This was established in the Ninth Circuit under XXXX argued XX/XX/XXXX and Decided XX/XX/XXXX. 
This student loan has been on my credit report since XXXX posted by Mohela and even listing late payments after XXXX, the bankruptcy occurred in XXXX and therefor should not be on my credit report stating any late payments at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates has repeatedly tried to collect on a debt not initiated by me. It currently shows 'opened ' XXXX XXXX, XXXX with a balance due of {$1100.00}. 

They have re-aged someone 's debt that they originally attributed to me in XXXX. The original debt occurred more than 7 years ago. The address is not mine and the credit cards seems as though it was originally for a business account. 

I contacted PRA through my lawyers. 
They sent my lawyers documents regarding the debt being owed but not of me originating it. I have a common name but I never had an account with PRA. 

PRA has misrepresented and repeatedly 'corrected ' it to the credit reporting agencies on many occasions since I first noticed it and started disputing it. 

Now, the original owner of the debt is listed as XXXX XXXX. I currently DO have an account with XXXX XXXX that is not and has never been delinquent. 

Several times PRA 's erroneous report has been removed from all 3 of my credit reports only to reappear AFTER the allotted legal deadline. Once it appeared 4 months later! 

I am ready to go forth with a full fledged lawsuit but understand that I should ( must? ) file with CFPD first. 

I need Portfolio Recovery Associates to submit a removal to all 3 credit reporting agencies immediately. I did qualify for the class action lawsuit against them but declined not realizing PRA was still practicing their unlawful tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: I bank with td bank, My card has been twice in a two week period and not even reached me yet. 
It took three days to make a complaint two DAYS TO PROCESS COMPLAINT AND 20 DAYS AND STILL HAVE NOT GOTTEN BANK CARD. i AM SO FED UP WITH SERVICE. SOMEONE GOES ON ON LINE BANKING AND DISTURBS ALL THE WORK THE BANKERS DO IN COURSE OF DAY.. i HAVE BEEN TARGETED MORE THAN ONE TIME IT IS AN INSIDE JOB. LOOK INTO MATTER PROMPTLY.. BANK CARDS ATM CARDS CHARGE NEED BETTER SOMETHING SO THIEF CAN NOT ACTIVATE. UN EXCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (CO).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and  advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My XXXX and XXXX Perkins loans are serviced through ACS, now XXXX. I have been working as a XXXX XXXX for the last three years and prior to that as a XXXX XXXX, and as such my Perkins loans qualify for cancellation. I have supplied adequate documentation annually to ACS, and every year there is great difficulty in obtaining my loan cancellation. Again this year I have submitted the proper paperwork and ACS continues to request further documentation. This documentation continues to place an unnecessary step in the cancellation process as I have already provided the information requested to process the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with Riverwalk Financial Corporation (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls everyday about 5 times a day at our office which we just set up a few months ago. This is a place of business and it is a field office. We do not owe any debts, they should not be calling and they should certainly not be calling 5 times a day everyday! It 's XXXX. I believe it 's XXXX XXXX XXXX. I am familiar with their office in XXXX because I use to drive by it everyday and my nephew use to work there. This one is calling from XXXX per my caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Getting the loan

Complaint: XXXX XXXX is a company I trust. I used them to get a secured credit card. Now, I am cheated. One of the companies who advertises through XXXX XXXX { XXXX XXXX XXXX } was offering radically more money on a loan. { 2000 % more. } My credit has been improving as I have made this a real priority. I applied for the loan a month before moving, hoping to cover moving expenses including furniture. No where in the five pages of legal and apply { except for one sentence, one time } did they suggest I needed to own a vehicle to put at risk as collateral. 

They classic bait & switched me. One of the parts of the service XXXX XXXX gives is to show the highs and lows of the credit scores of other user who have been approved. They switched the loan over to secured and claimed I was approved. I am sure they are including me in the XXXX XXXX list of approvals. I do not anticipate getting any money from them. I demand inquiry into how many of the listed approvals statistics actually resulted in money being lent to the consumer who found XXXX XXXX XXXX through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have disputed and asked equifax credit bureau to validate a collection that is reported on my credit report. i have no business with this collection company. i was told it was verified but when i asked them to provide me proof, such as, my signature on this, they did n't and could n't provide me any proof that this was mine and i signed for it. to this day, this collection that is n't mine is still on my report. i need validation of my signature and this credit bureau is refusing to provide validation. i need this fix asap. pls help me. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a current mortgage with Chase. I have been trying to work within the Chase organization to resolve the multiple issues of their Escrow practices. I have reached out to all departments for over XXXX years with absolutely no assistance whatsoever. I have accumulated documentation that needs to be seen. 

Since the re modification of my loan on XX/XX/XXXX, I have had forced insurance in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and partial of XX/XX/XXXX. I have had increased mortgage payments annually since XX/XX/XXXX to date. The reasoning has always been an Escrow shortage. I have exhausted all attempts to rectify the situation with Chase. 

I have a XXXX pages of internal documents, that need to be shared. Chases accounting practices and Escrow analysis are completely fabricated. I am not the type of person who normally reaches out, but in this case Chase has left me absolutely no choice. If you would like to view the documents and their accounting sheets they have sent me please contact me and I will send them to you, with in depth information about the situation. My hope is that someone of your stature with assist with actions needed to be taken. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 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: Was not notified of investigation status or results

Complaint: Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: I HAVE A MORTGAGE WITH BANK OF AMERICA AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY BANK OF AMERICA THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU 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 06/19/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was offered a settlement back in XXXX in the amount of XXXX. the original balance was XXXX in some change. I advised the collector that i could set up the remaining of my XXXX dollar payments with my credit card, after being advised that one of my payments did n't go through. XXXX has been paid on my account. i called to resolve my account and the collector advised me that i would have to pay the amount the full balance which was XXXX and change. I advised the collector that he was being deceitful. I was never made aware that if a payment was missed that i would have to pay the balance in full. The account is a judgement and listed on my public records and is reported as the incorrect balance owed. I was contacted on the XXXX on my cell phone about my account. At the time i was working and unable to speak about the debt. I spoke with XXXX XXXX, who using verbal sarcasm, which is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ocwen loan servicors is trying to collect a debt they do not have the legal standing to collect from me. Ocwen has asserted themselves on my homeowners policy as my mortgagee, they do not have any documents to support this claim. At best they are a default dect collector which I have no legal obligation to pay any money too. They have not been able to validate the debt according to the law. 
They acquired the suppose debt when it was in default therefore they could never be a true correct or legal mortgagee. The remedy I seek is for them to remove themselves as mortgagee from my XXXX XXXX casualty insurance policy so I can have a check issued to me without them as a cosigner. 
I do not believe that I Ocwen has the legal standing to ask me to pay them anything as all the documents they have sent me do not have their name as the original creditor on them. They have sent time and time again documents that do not contain their company 's name as a creditor. Therefore I believe that they 're standing is illegal and they need to stop interfering.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with a representative named XXXX from Equifax, To update my information such as addresses and phone numbers. I also explain to XXXX that I was a victim of identify theft and did n't recognized some inquires that was on my report he asked me which inquires that was n't made by me and I told him and he advise me that those inquires were deleted and provided me with an confirmation number # XXXX. When I received my report in the mail I realized those inquires were not removed like the addresses as stated on the recording. The following Inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation