milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Credit card () with Army and Air Force Exchange Service (VA).
Issue: Forbearance / Workout plans

Complaint: had a credit card with the navy exchange that i got behind on payments towards the end of last year. I called them at the end of XXXX 2015 to start making payments on my debt because I was in a better financial position. I was told that a letter had been sent out stating I need to make payments or they would default on my acct I start making payments XXXX XXXX. I have called in every month after that to make my payment of {$210.00} dollars with XXXX of their representatives. I called them around XXXX XXXX to make a payment and I was advised that they sent me into default because they sent me a letter in XX/XX/XXXX of a payment plan that I had to sign and send back within 30 days. I have been calling in every month and not XXXX associate made mention that the letter had not been received. I was given the number to a 3rd party agency that marked up my acct 16 % I was to make payments XXXX and I was being charged up to XXXX a month in fees and interest on an acct I was already making monthly payments on. I then called back XXXX XXXX appx XXXX talked with XXXX who let me know that it was my fault I was in default in a raised voice telling me I should have had my father send me my mail since I am currently working XXXX and that it is not there problem if the letter did not reach me because they can not control postal mail being delivered. So regardless if i ever saw the letter or not they would have still defaulted on my acct. I responded saying that if an associate would have said something to me about the letter when I called in I could have given them an address to send me the letter and mail back to them. I was also advised that there associates not telling me about the letter or reading the notes on my acct was not in there control. My issue is that I was making payments to them every month calling them so it is not as if i was n't trying to pay my debt because i have been trying to build my credit back up. I am very offended with how this case was handled, and the tone of voice that i was talked to which was very rude which put me on the defense. These companies do and say whatever they want to people/consumer with no regard to professionalism.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (RI).
Issue: Managing the loan or lease

Complaint: Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money. 
Flagship will also send me confirmation that money has been received but it was never removed from my account. 
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.

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 03/28/2018 about Debt collection (I do not know) with American Credit Resolution, Incorporated (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.

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 10/26/2017 about Debt collection (Medical debt) with AmeriCollect (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Since  XXXX  of   XXXX  , I have been sending certified letters regarding   XXXX    XXXX  via the credit bureaus asking for validation and verification of several accounts that were listed on my credit report. I asked for copies of the applications with my signature proving these were my accounts. I always received a letter from  XXXX   XXXX  asking for clarity of my dispute, I could n't be any clearer. This is what I stated in my letters : Under the Fair Credit Reporting Act,  15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.  <P/> If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required un der Section 611 ( a ) ( 5 ) ( A )  ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd parti es you are damaging my reputation and credit worthiness.  <P/> 
Under the FCR   A 15 U.S.C. 1681i, all unver ified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> The credit bureau continues to send updates stating the accounts are " verified '' and have neglected to provide any documentation and are in constant violation of the FCRA.

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 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Phoenix Health Care Management Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was covered by insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NY).
Issue: Problem when making payments

Complaint: One Main Financial took  an automatic payment from my bank account and enrolled me into the ir Direct Pay pro gram. I never signed up this at any time and even made my standard payment to them a few days before my payment due date. I spoke and emailed the branch on Friday, the  XXXX  and told them they made an Unauthorized payment. Today, on  XXXX , I called the branch to inquire on the status of my returned payment. They told me they needed a copy of my bank statement showing me that they Debited the payment. I thought this was intrusive and quite inconvenient. I Never at any time signed up for automatic payments and now I am being inconvenienced because o f One Main  's error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received collection notices from  XXXX  stating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from Santander. I had a vehicle repossessed by  Santander  in VA in  XXXX .  XXXX  is reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  XXXX  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  Santander as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing  me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I surrendered the property at XXXX, XXXX VA XXXX in XX/XX/XXXX during a modified bankruptcy plan. Bank of America never transferred ownership after my bankruptcy was dismissed. This is hindering me from purchasing a home and is holding me accountable for anything associated with the property ( grass, trees, etc. In XX/XX/XXXX they sold my loan to XXXX Mortgage who is currently trying to collect payment.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account is closed and is still showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANCO POPULAR DE PUERTO RICO (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never 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 explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with The TRAF Group (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Incorrect information was entered on my credit file. XXXX is reporting payments that I do not owe. I was told by the doctor office that they have to get approval from my insurance company before he can perform the treatment. He told me once he get the approval from the insurance company his office will call me and schedule the appointment, I made my copayment and left the office, XXXX week later I receive a call from XXXX office saying my insurance approve the procedure, and that was it. Now two years later I receive a copy of my credit report with three charges from A-1 Collection Service in the amount of {$550.00}, {$660.00}, $ {$81.00}, which I have no knowledge of. I never receive a call from that office or anything saying I owe this payment. I am in the middle of purchasing a new home and now this has appear out of no where, years later, this is not fair. Please 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 08/24/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: CHASE VISA CREDIT CARD HAS DENIED MY REQUEST TO REVERSE A {$1300.00}. SECURITY DEPOSIT BY XXXX XXXX, XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Payday loan) with Harbor Front Acquisitions LLC (Closed) (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Harbor Front Aquisitions stated that they were attorneys trying to collect on a payday loan. They also disclosed the debt without verifying they had the correct party. I had lost my job and did not have any money to put anything on file. Told them on second call that I could put something on file but that it would have to be for a month out as I just started a job. They wanted me to call back and put {$100.00} on file. The XXXX representative was very rude and harassing. I felt very worried about how I was being treated. It was the XXXX time I had talked to anyone from there. I did not refuse to pay but they are trying to submit me for legal action. I was told that they were working for attorneys but I have never heard from the office that owns the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CO).
Issue: Closing on a mortgage

Complaint: I drop a broad at work and call in to say I mite miss a payment.. That sat. I open my mail and there was a foreclose letter and a mortgage to? this is us bank they have took my credit and made it so I ca n't get a loan or reference my house which I been in for five years or more.I have never miss a payment till now they will not take a payment at all even the full amount.

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 04/21/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HAMP loan w/Ditech that was sold to them by XXXX. I recently discovered they broke the contract by adjusting my mortgage up 5 months before time. According to the HAMP contact my payments and rates are set. Well, Ditect are sending me mail and calling me stating I am behind onmy mortgage, but I am not. They stated the rate increased was effective XX/XX/XXXX, but if they would have looked at the contract the payment effective day for the increase is XXXX/XXXX/2016. My payments accordint to the contract is {$1600.00}, and my property tax is about {$520.00} a month which is routhly arount {$2200.00}, which is what I sent them ; however when they got me confused I requested help for hardship because they said my payments would be closer to {$22000.00}. Well, I am on Social Security XXXX and get a small retirement check, so I asked for assistance, but when I saw the preditor loan offer I changed my mind. They offered me a deal to save {$70.00} a month, but I would pay an addition {$40000.00} over the life of the loan. Next they said they would file a loss ligation claim, but sent me a bunch of forms to complete that has nothing to do with loss ligation. I would also like to point out before I forget that they sent me an addition bill for my property overage close to {$900.00}, and I paid it so it would not affect my payments. These people are harrassing me. I have not missed or been late on a payment. XXXX sold my loan to this horror place because I asked for help ; however, I did not miss a payment with them and was not late on my first or 2nd at the time. Please help me, the DOJ and XXXX really need to check out this company, something is n't right. My loan number on this loan is # XXXX ; however, they state leave off the # XXXX. When you see the statement all the number 's I typed are on their. ( I have additional documents I can fax to you if you need them to verifty my allegiations )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MT).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech added a building master policy to my single condo account in XXXX even though my HOA has covered the group master policy for the outside of the building since I have lived there. Ditech keeps asking to fax various forms so I comply and send them what they ask for. I then contact the company again after sending document after document and then the rep tells me I will be credited in 3-5 days. Then today I received an email saying they do n't have my master policy again. I called them and then they tell my they need proof of insurance and want the master policy. I told them it 's in there system then they tell me well they actually need XXXX policy even though the fraudulent charges were all from this year. I track down the old policy and send it to them anyway. Then I call back I get told that it 's on my account now. I ask about credit for the charges which should not have been on my bill. Now they are saying that I just have to wait 1-2 billing cycles and then I will receive credit. I ask them for how much and then they say they can not see the information and each rep just continues to transfer me to the next department and will not help me. My condo is going to forclose and its because ditech has put fraudulent charges on my account and will not remove them even though I provided them with every document they have asked 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 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have provided proof to Experian that a debt needs to be removed off of my report and they keep referring me back to the collections agency. The collections agency is telling me that it is in Experian 's hands. Today and Experian supervisor hung up on me, that is not customer service and I want this address immediately.

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 10/23/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (OH).
Issue: Struggling to pay mortgage

Complaint: When my husband died, I went to XXXX XXXX, took classes and the whole nine yards. After all said and done I was happy this was in XXXX. House payment was {$500.00} mo. PNC ( National City Bank ), during their transition I got lost in the paper, I could never talk to anyone about my loan or get any information, even my tax preparer tried to get information. Since XXXX until XXXX XXXX, XXXX, I had not heard a word from PNC! Now here I have, I am on XXXX and getting ready to get out of a house that I have tried to keep since XXXX! 
Please help if you can. 
Contact me for more information, I have a folder full of information with Names, Times, Dates, Telephone Numbers of the people I have tried to contact. Information I did received, then the went cold until I received a letter XXXX/XXXX/XXXX. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 XXXX XXXX XXXX Accounts that are reporting inaccurate late payment.s

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