milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Consumer Loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: When I got my loan with Fifth Third Bank on XX/XX/XXXX, I was given a coupon book with 180 payments at {$340.00} per month. I made every payment. 

In XX/XX/XXXX, my company downsized due to the recession. I was unemployed until the end of XX/XX/XXXX. During that time, I struggled to make the payments but managed to make every one. If I was late, I paid the late fee indicated on the coupon. Since XX/XX/XXXX, I have been employed regularly and I have made all payments on time or early. 

I called Fifth Third in XX/XX/XXXX to ask for the payoff thinking I owed just a XXXX dollars. I was shocked when they told me I owed {$9000.00}. I asked my former wife to investigate and she tried unsuccessfully to figure out the difference. 

One thing she was told is that the bank had purchased insurance coverage for around {$1200.00} at some point during the loan, but we had coverage on the boat at all times. We took proof of coverage to the Fifth Third branch on XXXX when we were first notified. They were supposed to cancel the insurance. We heard nothing more so we assumed this was done. 

The remaining roughly {$6000.00} difference was explained by the bank as 'simple interest ' but my former wife could not determine where the differences were from the payment records the bank sent her. I ordered a new coupon book expecting to see the new amount. Instead, the coupon book I received on XX/XX/XXXX showed the same payment amount of {$34000.00} and the same number of coupons remaining. 

I counted down the months to my final payment. On XX/XX/XXXX I proudly wrote a check for my final payment with the notation on the check " paid in full ''. It was a happy day. However, on XX/XX/XXXX, I received a letter from XXXX Fifth Third saying I still owed {$6600.00}. 

Throughout my loan, I never received monthly statements from Fifth Third showing the outstanding balance. I thought my outstanding coupons represented the total amount I owed. If this was simple interest, why was I given a coupon book showing my payment ending XX/XX/XXXX and not a monthly statement like my simple interest Visa card does? 

This is unfair and deceptive. I never knew until I called about the payoff that I was getting off track. Not one letter from Fifth Third or one statement balance was received from Fifth Third during the fifteen years that I had the loan. I asked for a new coupon book after the payoff request I made, and I was given another misleading coupon book. Now after fifteen years of payments, I am being told I have to pay them {$6600.00} by XX/XX/XXXX. Can you help us resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to  request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off a loan to Greentree and they said they sent a refund check. We never received it or it was never cashed. I wrote 3 times to request information and they never reacted except to say it was sent. Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 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 information incorrect

Complaint: Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (I do not know) with Direct Capital (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company ( Direct Capital ) has taken to calling frequently on my work and home cell, each time reflecting a local number that is misleading. They are threatening and harassing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owed a past due bill to XXXX XXXX XXXX that was turned over to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX in XX/XX/XXXX to pay the bill in which they instructed me to pay the bill directly to XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and paid the total amount ( XXXX ) plus a fee of XXXX, XXXX total. ( Confirmation # XXXX ) 6 months later I see the debt on my Transunion credit report still stating that it was open and still in collection! I called XXXX XXXX XXXX in which they could not find my record! They feel it is due to me paying off the bill? But they ca n't report it paid? XXXX XXXX states that it is not their responsibility to show it paid either???? ( I filed a XXXX complaint against XXXX XXXX when they would not respond to my emails or calls ) They only answered the XXXX complaint of course. 
Now what am I supposed to do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XX/XX/XXXX, I started XXXX family plan with a 2-year contract. After this 2 year contract due, XX/XX/XXXX, I went to XXXX store at XXXX XXXX XXXX, XXXX, and changed my plan to prepaid service. But after plan switch, I found XXXX still charged me same money of the canceled plan monthly, in the meanwhile, the prepaid minutes also decreased after each use. I called XXXX customer service for several times to fix it, their representatives agreed to cancel this double charge, but an unreasonable bill which value is {$270.00} resulted from that. And XXXX sold this bill to RPM collection agency to let them collect the money from me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Transunion has failed to provide me the documents their company used to provide verification of the accounts I disputed. They have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information that can not be verified that I have disputed. Thank you in advance for resolving this matter as soon as possible

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 05-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In order to make our next mortgage payment on XXXX/XXXX/16 ... .. 
we need to get a 'hardship loan ' from my wife 's corporate XXXX account. 
Management of the XXXX account have agreed our emergency 'hardship loan ' can be paid immediately supporting documentation is received from our mortgage company, which is Wells Fargo Mortgage.The XXXX management tells us " XXXX rules require some kind of statement that if payment is not received by such and such date foreclosure proceedings will begin. 
Can be a simple letter in company letterhead from a loan officer, but need that to release funds. '' We will be in foreclosure if we do not make the payment on XXXX XXXX, but the only people stopping us from making the payment on time is Wells Fargo. Despite asking them on the phone for written confirmation, as required above, and holding for conversations with XXXX departments, they all refused to send us the required notice which represents the true state of the loan. 
So Wells will not cooperate to send us a timely notice to enable us to pay the mortgage, and will then claim we did not pay the mortgage and try to foreclose and take our home. 
This is unfair at best, entrapment if this is not immediately taken care by overnight mail to our home of XXXX years.At XXXX years old and after very serious illness, we expect better from Wells Fargo bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can 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 05/13/2015 about Debt collection (Payday loan) with National Check Resolution Inc. (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My payday loan with XXXX went in to default last year when I hit some hard financial times. Apparently the debt has been sold numerous times to various collection agencies. I received a call XXXX days ago from a company called National Check Recovery, a gentleman named " XXXX XXXX '' stated I would be receiving papers for fraud as the loan was n't paid off. I called the number and reached National Check Recovery/XXXX, who stated I would be served with papers for fraud. I spoke with customer service at XXXX and they stated they do not work with this company in any way. 

The original loan with XXXX was for {$500.00}. I requested a validation of the debt, which shows the debt as over {$900.00} more than the pay day loan, but if they had to sue me it would be nearly {$3000.00}. I received the validation from them but there was not an itemized list of the charges. I spoke with XXXX XXXX today and he became verbally abusive with me, threatening to sue for fraud as I did n't pay the loan off. 

I told this gentleman I had not received any notice of this debt from their company and their threatening phone call was the first I had heard from them. XXXX XXXX told me they had sent " numerous '' notices by mail, but would not provide me with proof of this as I told him I had received nothing. I was unable to even speak an entire sentence during the conversation as he continued to interrupt, yell, and speak over me to the point where I had to firmly inform him that I would cease communication with him if he did not stop interrupting and raising his voice. 

I am meeting with an attorney tomorrow and told XXXX XXXX I would be showing the paperwork to the attorney. XXXX XXXX demanded to know the attorney name and address and phone number, which I did not share with him because I have not retained the attorney formally. He became quite verbally upset with me when he found out I was speaking with an attorney and asked what I was trying to " accomplish ''. 

I asked to speak with the XXXX XXXX, who left the original message a number of times over the last XXXX days, yesterday I was told he was " out to lunch and would call me back in about XXXX minutes '' and I never received the call. I called XXXX more times yesterday and asked for him and never received a call back. I asked again today to speak with XXXX XXXX and was told he does n't work there and is a process server. 

To date, I have not been served any paperwork ( which I 've learned in reading numerous times online that this is common with XXXX and XXXX XXXX, and people do n't receive any paperwork. ) I am attempting to validate this debt, yet National Check Recovery only makes threatening comments regarding fraud, and it is against the law to threaten jail time or be abusive over the phone when talking with a consumer. What do I do?

Company response to consumer: Closed
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone voice mail call received on XXXX XXXX from a " XXXX '' said he works for a company " First Source Advantage, LLC '' in regard to a unpaid debt. He left a callback number XXXX and a case number XXXX. 

I am a federal employee and have been involved in XXXX data breeches over my carrier. My SS number was used in a fraudulent tax return in 2013. 

I researched this company and it has been associated with fraud. Contacted FBI and they referred me to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (VA).
Issue: Managing, opening, or closing account

Complaint: I have a paypower prepaid card. I loaded more than {$3000.00} on the card. Now they hold my money and I can not use my card. I emailed the customer service and was told that they can not locate my account. 

I called the company and was informed someone will contact me. 

I never heard back from them. 

However, they kept charging my account after cancellation ( whatever you name it ). The latest Maintenance Fee was charged on XXXX/XXXX/2015. 

This company is just a scam. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I submitted a credit card application for a line of credit with Citi. Application # XXXX. I received a 'Decline of application ' notice dated XX/XX/XXXX.

I understand they have a right to refuse service and grant credit at their discretion. I have reason to believe their decision is discriminatory based on the fact that I had a mortgage contract where they aggressively foreclosed in XX/XX/XXXX. The impact of their explanation and the declination is more of a rejection rather than considering and objectively evaluating my current credit worthiness. I have a revolving gas card in good standing for 20 years+, that is a subsidiary with Citi , XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I 've tried to call the ph. # XXXX to inquire of their decision and they have no option for a live person conversation. I expected at least the courtesy to find out what is lacking, as they express desire " to be clear and helpful in explaining this decision ''. Not so. 
For these stated reasons I make a formal complaint to Citi and the staff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. Judgement XXXX XXXX 3. Inquiries Name of Company Date of Inquiry Type of Business EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX L XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Banking EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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