milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Thank you for FINALLY answering " yes '' and confirming that you did in fact contact people, including my family and friends while I and ECMC were in communication with each other about my loan account. These straightforward answers were not in the initial complaint responses. 

In speaking with a specialist at CFPB yesterday who assisted with this case, can you tell me what the purpose was for ECMC to contact other people while they were directly speaking to me. Federal law does not force you to call other people if I am in direct contact with you. Federal law allows you to contact other people if you can not get into contact with me ; which as we have proven you were in direct contact with me all along. You stated that " ECMC did pursue leads including attempting phone contact using phone numbers learned during skip-tracing and believed to be associated with you... [ but that ] ECMC did not discuss your defaulted student loan debt with any person other than you. '' If you were directly in contact with me when you called these other people, and your call was not to discuss my loan with anyone else as you stated, then why did you make these calls in the first place? Please give a specific answer and not the " required by federal law '' answer as that idea has proven false.

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 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Original Creditor XXXX 
Open Date XXXX XXXX, XXXX Balance {$450.00} Collection Debt {$450.00} Original Creditor XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$840.00} Collection Debt {$840.00} XXXX Open Date XXXX XXXX, XXXX Balance - XXXX Collection Debt XXXX XXXX XXXX XXXX Account Type Installment Balance - Original Balance {$3100.00} Payment Status Negative I have no acknowledgement of these accounts and would like them removed from my credit report. I have disputed them with the Federal Trade Commission and they have not satisfied me with their response on these accounts. I am filing a complaint to get these accounts that I have no knowledge of opening them removed from all XXXX credit bureau. Thanks if you can help me.

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 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Consumer Loan (Installment loan) with Law Office of Joe Pezzuto, LLC (OR).
Issue: Problems when you are unable to pay

Complaint: I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card number was fraudulently used by an unknown person online to purchase items at a XXXX XXXX in XXXX on XX/XX/XXXX. The items were picked up and signed for at the XXXX XXXX XXXX on XX/XX/XXXX. My Visa card with Bank of America was charged {$1000.00}. I became aware of the charges in the next monthly statement. I instituted a fraud claim with Bank of America and changed the account number immediately and destroyed the credit card per B of A instruction. The physical credit card was not stolen and was never out of my possession. B of A investigated and their decision of XX/XX/XXXX is that the charges are valid and I owe the amount noted. No documentation has been received from B of A to support their decision. Note also my account had a security threshold of {$750.00} which stipulates I should have been contacted for the charge to be debited to my credit card account ; no contact was made for approval. B of A has not given me a fraud affidavit or any other support to assist in this fraud claim. I have filed a police report with the XXXX, AZ police and have notified the XXXX credit bureaus of the situation and place a credit freeze on my name and credit. I feel that B of A should provide me with the signature of the transaction as well as any other documentation utilized by them to deny. The account is now drawing monthly interest charges for the disputed 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 monetary relief
Consumer complaint received 07/20/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates LLC., Had received a default judgment for {$1500.00} on an old XXXX credit card that was sold to XXXX XXXX XXXX. XXXX XXXX XXXX reported the debt as in good standings with a {$0.00} dollar balance on my reports. Portfolio Recovery Associates refuses to acknowledge or validate that this debt was paid. They have a detrimental default judgment listed on my reports as well as a balanced owed listing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Payday loan debt) with Bayside Capital Services, LLC (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (I do not know) with PINNACLE RECOVERY, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This all started in 2016 when I opened a account with XXXX XXXX. I found a {$11000.00} Debit and a collection agency tied to this information Pennical.
Their client for whom they were collecting for was XXXX XXXX XXXX XXXX XXXX. Someone has purchased a timeshare from this resort in my name. I have alerted Pennical several times I have never been to this resort and never ever purchased a timeshare. The response I got was they increased the debt to {$14000.00}. I have called the resort only to be referred to Pennical collections. I requested the paperwork for this account and Pennical representative claimed he would email it. Never received anything.This has turned into some type of sick game for the collection agency and it has ruined my credit. Please help me this is not my purchase.

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 04-04-2017 about Student loan (Federal student loan servicing) with College Foundation, Inc. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.

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 04/29/2016 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: we purchased our home in XXXX, due to health issues we need to sell it. We bought the home from XXXX XXXX. It was a foreclosure home. 
We have discovered XXXX undisclosed liens on the mobile home, these liens were both discharged in XX/XX/XXXX. We have received a release to lien from XXXX for the one that they had. 
However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: In fall of last year I opened a Citigold checking account with a promotional offer to earn XXXX XXXX XXXX miles. I met the terms of the offer but the XXXX bonus miles never posted. Citi continued deduct the $ 30 monthly checking account fees ( which they require until the bonus is paid out ). I contacted XXXX inquiring why my bonus miles never posted. They responded back that I had qualified for and had met the terms of the offer and they only needed my XXXX account number to credit the miles. I provided the XXXX account number and continued to wait, paying more exorbitant $ XXXX monthly checking account fees. I recently got another letter now stating they would not honor the promotion, claiming I was not targeted for the offer. Citi is well known for extending citigold offers to customers to entice them into paying exorbitant checking account fees and ultimately dragging their feet on honoring the promotion while collecting more fees. I have asked Citi to honor the XXXX bonus, but they have essentially told me to pound sand. If they would not honor the promotion I requested they refund the {$90.00} in checking account fees they extorted from me during this process. They also refused to do this. I have closed my account to avoid further fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX opened up a unwanted credit card with an address I dont live at. I dont own the XXXX  anymore as I gave it back and that account was also with the wrong address. How is this right? I want everyone dropped. This is pretty much showing someone else. I dont even stay at the address they have.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: On XX/XX/2016 I refinanced my property. My title company wired my mortgage payoff to Wells Fargo on XX/XX/2016, the day of my closing, and the title company has confirmation of that wire transfer. Upon a review of my escrow account history with Wells Fargo, I saw that Wells Fargo withheld an additional {$130.00} indicating that it was because they did not receive the wire from my title company until XX/XX/2016. That is not true. 
Wires are received within 24 to 48 hours. They received the wire timely and did n't get around to processing my payoff until XX/XX/2016 resulting in their holding the additional {$130.00}. I requested that Wells Fargo review my account, and provide proof of when they actually received the wire and refund me the {$130.00} that they withheld in error. If Wells Fargo is behind in processing wires it should not be at the expense of the consumer.

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 12/30/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Initially, I disputed an item on the Early Warning report after which I received an updated copy. Upon reviewing the report, I noticed that every payment to my creditors whether ACH, checks and Debit Card payments are in this report since 2013. I do understand reporting an account is Overdrawn and resulted the closure of the account, Bank closed the account and credit score for the account but not all my transactions. I called XXXX XXXX XXXX to find out why they would report all the transaction history on the account, I was told they did not provide the information to Early Warning. Next, I called Early Warrning to ask them why we 're providing all transaction history to other people inquirying without my permission. They told the only items that will reflect on the report were payments processed twice. I explained to her the transactions on my report are payments successful the first time. In addition, I asked them to remove all the transactions and leave the statuses on the accounts. My report also includes purged accounts, pending close accounts dated as far back as 2013, and accounts that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is documentation that i have compiled since i began disputing inaccurate reporting and items on my credit. It began XX/XX/2016 and have not been resolved. Since then in a mater of days my credit score has dropped over XXXX points with no use or change in my credit. There has been a serious error made here. I have called I have mailed in paperwork and every time i do, i 'm asked to wait anther 30 days. I do n't have anther 30 days from never to get this resolved. I 've included my police report, original mailed in documents and the responses from all XXXX credit bureaus. This has prompted me to file a formal complaint with the consumer financial protection bureau as well. One might think you would err on the side of caution before destroying ones life. I have lost a lot because of this error which is also included in my documentation i 'm asking you to cease and desist any further negative retaliation on my credit. Please address the items that listed for correction in my paperwork.

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 06/14/2017 about Mortgage (Conventional home mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently applied for a mortgage on a new build, and the lender that the builder asked me to go threw was  Guild  Mortgage  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  the broker that I dealt with was  XXXX   XXXX  Loan Officer  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX  M :  XXXX  | F :  XXXX  NMLS #  XXXX  | Company NMLS #  XXXX . Before filling out the app I asked him if he had an employee by the name of  XXXX   XXXX  which he responded yes I told him that she lives  XXXX  behind me and that I ha d Manny pro blems with her and her husband thats when he assured me that my file would be to his eye 's only, after that a week goes by and she called me to ask me about my file that she was not supposed to have access to. Since that day I am always checking my credit report fearing that she or her husband might do to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (FHA mortgage) with Selene Finance LP (MN).
Issue: Settlement process and costs

Complaint: Here is the complaint that I have submitted now 4 times.....We are on our XXXX bank because
our loan continues to get sold. the complaint is with Selene Financial. We were working
on a loan modification which would involve taking off the mortgage an ex wife and
adding XXXX onto the mortgage. It also involved reducing our mortgage to fair
market value. After months and months of paperwork and waiting we finally made a
deal and were told the ex wife would be removed,XXXX and XXXX would
be added and the mortgage reduced to $XXXX. This was XX/XX/2016. The
stipulation was we have to make 3 consecutive payments of $XXXX and after the 3rd
payment the new loan would take effect. We made our payments as instructed and the
day before the 3rd payment was due we were told our loan would be sold. When asking
if they can get the modification done first I was told (see attached) the the new loan
company would honor the agreement. That was the last I was able to communicate with
our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the
paperwork as there is no way we should have to do it all over again. We held up our
end of the bargain now Selene needed to follow through with theirs. I found it
interesting that they made the deal with us the same day the loan was sold even
though we were not notified it sold until XX/XX/XXXX....This actually been a two year
ordeal..the bank before Selene was horrifying as well and I had made a complaint to
you about them. They conveniently sold our loan to Selene before ever doing a loan
mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a
company to follow through with their promises. We called the new bank, XXXX
and they said they don't have everything and they still have the old mortgage and the
original names. Meaning nothing of the new deal that Selene promised us is in their
records. What I want is our loan Mod that Selene agreed to be in place ASAP with no
more paperwork' It should have just transferred over since we did what we were
supposed to do.The latest response from Selene was that we need to communicate
with the new mortgage company and that they "should" honor the agreement we had
with Selene. The problem is the new mortgage company has no paperwork on us, no
proof from Selene that this agreement was ever made. We need Selene to give the new
mortgage company (XXXX)  a detailed laetter describing the agteement we had with them which is 1. removing XXXX from the loan. 2. Adding XXXX and XXXX to the loan. 3. Reducing the mortgage to fair market value of $XXXX. We need this done immediately! This has gone on for MONTHS!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Vehicle loan or lease (Loan) with Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my 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 03/25/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I called Equifax and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the items immediately since they are ruining my credit.I also tried uploading supporting documents online but their system is more inadequate then their employees and always give me errors which I know to be incorrect.I contacted all XXXX credit bureau s in the same exact time and so far ONLY XXXX corrected the issues the XXXX and EQUIFAX seem to be helping the defrauders more than the victims.Shame on them!!!!

Company response to consumer: Closed with explanation