milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (NJ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: American Coradius International LLC ( ACI ) has been attempting to collect XXXX USD on behalf of XXXX. since I received a notice on XX/XX/2017. The notice I received from ACI was back-dated 59 days prior to my receiving it, to XX/XX/2017. The notice from ACI stated that it was my right to dispute this debt by writing within 30 days of receiving it. 

The same day, XX/XX/2017, I wrote to ACI, ( 1 ) disputing the debt claimed in the notice, ( 2 ) informing them that the debt was not mine and the result of identity theft documented with the creditor XXXX ( emails attached showing XXXX notifying me of the debt and my contacting them that the activity was fraudulent ), ( 3 ) demanding they ACI cease communication with me or anyone connected to me by phone or any address other than my home address, and ( 4 ) demanding that ACI only contact me by certified mail and only with the requested debt and creditor verification to which I am entitled. 

This letter was mailed to ACI at the correspondence address listed on the notice at approximately XXXX the following morning, XX/XX/2017, as shown by USPS Tracking. According to USPS Tracking, the letter was " Delivered, left with individual, '' at XXXX on Monday, XX/XX/2017. 

On Tuesday, XX/XX/2017, at XXXX, I received a call and voicemail from XXXX from ACI XXXX. Her voicemail said, " This is an important message for XXXX. This is XXXX from American Coradius International. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Please return this call today at XXXX. When calling back, use reference number XXXX. '' Not only has ACI continued to attempt the collection of a debt resulting from the theft of my identity, but they failed to provide notice of my right to dispute the debt they are attempting to collect, they have tried to contact a third party despite my clear request not to, and they are continuing to contact me in an attempt to collect after they received my clearly written demand to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with TIDEWATER FINANCE COMPANY, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a XXXX XXXX XXXX former employee XXXX in a position which required XXXX. My personal information was compromised by the breach of data maintained by the XXXX. Chase Bank will not removed {$30000.00} of charges to my credit card fraudulently made by companies by gaining access to my personal financial information on file with XXXX despite my providing them with information that showed : ( 1 ) the companies either did not exist, ( 2 ) I have never traveled outside the U.S but one time since retiring and that was XXXX last year, ( 3 ) the identification of my computer as the source of charges is not a reliable method of personal identification because a individual 's computer IP address may be obtained by a number of ways not at all difficult and used as a mask for the actual computer being used to complete a transaction including making the charge for a service as was the situation in a number of charges where the largest dollar amount and recurring transactions seemed to be coming from XXXX actually from XXXX where I have never visited, ( 4 ) despite being XXXX XXXX XXXX I consider myself of sound mind and find XXXX sites quite offensive and have never and I repeat never, seen or been on such a site in my life and willing to take a lie detector test to prove as much, and ( 5 ) despite my protestation they are adding to my outstanding balance this {$30000.00} without providing me a list of these charges so I can review again with them personally every charge and prove not just by sworn statement but other information and evidence I did not authorize or make any of the disputed charges. The total of these charges ( {$30000.00} ) will cause my credit card to exceed it 's limit which is {$18000.00} because I currently have an outstanding balance of a $ XXXX. This information will be forwarded to the XXXX credit bureaus, reducing my credit score, eliminating some consulting opportunities which I do regularly, and make any new credit impossible to obtain, even to lease a vehicle. This is one of the most egregious actions a bank can take against an individual, erroneous reporting to a credit bureau. Even a man who has XXXX from an XXXX can not wipe this off his credit bureau report and it all starts with the egregious actions of Chase Bank. It seems there is something to be learned from the XXXX XXXX, " XXXX '', first do no harm which financial institutions should be forced to observe

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (KS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: At XXXX XXXX XXXX on XXXX/XXXX/17, I called XXXX to contact them regarding notices of three debts they have in their office. When the gentleman asked me why I was calling I advised him that I was wanting to dispute these because I have an issue with the balances being owed and that there were unauthorized charges on these credit cards. He asked me why did I pay them for so long and that his collection company was going to sue me if I did n't take care of these. I again advised him that per my right by law I was wanting to dispute these. He again said we will send these to an attorney in your state for legal action if you do not take care of them. I again advised him that I am disputing all three of these accounts and I want them placed in a dispute status. He again asked why I was not wanting to take care of them and that legal action will be taken. I again firmly stated that he is violating my rights by not placing these in a dispute and trying to pressure me into making payments at this moment. I asked him for his name. He said it was XXXX XXXX, when I asked if this was his actual real name on his license, he said no, this is my business name I go by at work. I told him he could n't just make up a name to give me and that I now question the validity of my whole debt because he was being dishonest with me. I terminated the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Was contacted by XXXX XXXX at Loan Depot to refinance our house with a lower interest rate for our VA home loan. We discussed the amount of consumer debt we had that was being handled by XXXX XXXX. XXXX XXXX said we could solve that. So we applied and everything went well and we discussed making sure that we had the right amounts as some of them have been paid off and/or in the process of being paid off through XXXX XXXX. No problem that will be done. After closing the closing company sent us the checks made out to all the creditors and not with XXXX XXXX as we had been told. No one even called from the loan dept even after I had mentioned about our discussion. Now I am in the 4th month trying to solve this issue with XXXX XXXX XXXX loan originator at Loan Depot. It appears to me she is putting me off with XXXX of money that need to pay some to XXXX law and the rest to us. How long should a consumer wait when you have been up front with people? I am current on this loan and all my debts. I would like this issue resolved. I told XXXX XXXX I was n't going through another month. I have even called her boss. I guess I need to call her bosses boss. Her bosses number is XXXX the subject on my email string is Documentation Request Case ID # XXXX. our loan number is or was Your loanDepot Loan Documents-XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cottonwood Financial Ltd. (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I got a phone call from a woman from XXXX XXXX XXXX saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: TO WHOM IT  MAY C ONCERN :  American Express pl ace neg. statement on my  XXXX  credit bureau reports that 's not correct. I have communication on making payment on credit card debt, without notice  American Express c losed account and place debt under paid. Account number #  XXXX .     On second account number #  XXXX ,  American Express closed a ccount that was n't late or behind in payment. Ask well place account as neg., and unpaid on  XXXX  bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (OH).
Issue: Other transaction problem

Complaint: I initially went through XXXX to purchase currency and my transaction was denied 4 days after I submitted it. I called TD and they stated it is an issue with XXXX, but Ive since read that TD has been blocking virtual crypto currency. I just tried to start a transaction on the site XXXX and was denied again stating TD Bank is blocking you from enabling external transactions. This seems like theyre telling me I cant spend my money how I choose to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Report Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for 5 years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah 2 years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (ME).
Issue: Deposits and withdrawals

Complaint: I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For over three years Equifax has refused to give me my credit report. XXXX and XXXX have given me my credit report. XXXX asked me the following : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? My answer XXXX What is your total scheduled monthly payment for the above-referenced mortgage? 
{$1100.00} - {$1200.00}. As of XXXX XXXX, 2016, my payment is XXXX, down from XXXX, my answer, the current payment of XXXX. Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? My answer : XXXX XXXX XXXX. Your credit file indicates you may have had a student loan, closed on or around XXXX XXXX Who was the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE. My answer NONE OF THE ABOVE All of my answers are CORRECT, XXXX has erroneous information on me and is using this to hold my FREE report. My student loans were with XXXX Bank. It is 8 years later, these accounts are closed, never latter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter died on XXXX XXXX, 2009. She had a private loan through what was then XXXX XXXX which is now Navient. Her loan was switched to my name without me being contacted. Every month, {$96.00} is being deducted from my back account. Upon co-signing for the loan, it was my understanding that I would only be held responsible for repayment of the loan in the event that my daughter defaulted on the loan. My daughter never defaulted on the loan prior to her death. Due to the fact that she died and never defaulted on her loan, I should not be held responsible for the repayment of this loan and this loan should be forgiven because of the death of my daughter. I have made several attempts to contact Navient regarding this matter and I have never gotten a response. I would like to be contacted by Navient to discuss the reimbursement of my funds and the possibility of loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: The creditor is checking my credit reports without my consent. I contacted them once before and they stated to me that they check credit reported for skip tracing.

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 06/16/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (WV).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation