milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Elite Financial Services, Inc. ().
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I made my mortgage payment to Ocwen on XXXX XXXX, 2015, early as I do each month. When logging onto their website to pay the XX/XX/XXXX payment I observed that it was passed due. I immediately paid the full amount due. When asking that a late fee of {$23.00} be removed the call center rep stated since the mortgage payment had never been late he would " permit me to speak with his supervisor. '' Although I provided proof that the loan had been paid on their website the supervisor refused to waive the fee. I then advised her she was to cancel my pending payments. They did n't care that they payment not posting was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital One  is inaccurately reporting a charge off record on my report. They continue to say that I owe them {$2700.00} but I have never had an account with them in the past.     Their records should show how many times I have called to address this issue. I am filing this complaint with the CFPB because this is not my debt and it needs to be deleted from my report as soon as possible.     My father and grandfather both share my same name so it 's possible it  may be one of their accounts.  I am   XXXX   XXXX   XXXX   XXXX  . I no longer have any contact with them so it 's very hard for me to verify if they ever opened an account with this bank. My report shows this account it was opened in   XXXX   so that means I would have been in high school when I applied for this credit card. This does not make any sense.     The account number according to my report is : "   XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with VW Credit (NY).
Issue: Managing the loan or lease

Complaint: I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2016 about Debt collection (Medical) with Williams, Alexander & Associates, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: WAASSOCIATES ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX 15 years in business XXXX XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WAASSOCIATES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WAASSOCIATES or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company called Midland Credit Management is alleging I owe a debt. I 've never conducted business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX county recorder shows a lien file XXXX with a balance. an individual chapter XXXX bankruptcy discharged debt in XXXX. I have disputed item multiple times and lien is not removed and balance remains. I had filed a chapter XXXX in XXXX that was dismissed and maybe a duplicate file or the original debt was joint and my individual chapter XXXX makes me not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: The website only has an option to lock your credit if you provide credit card info. I do not want to sign up for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with Commonwealth Health Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They gave my information away by making it available through an unsecured website. Although this was in XXXX of 2017 I was not informed until XXXX of 2017 that this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have close to {$100000.00} in student loan debt, {$20000.00} of which is funded by Sallie Mae/XXXX. 
Sallie Mae/XXXX refuses to work with me and demands that I pay {$320.00} a month or more on this debt with 10 % interest. Everytime I call a representative tells me that is my only option, or I can default. Then they state that if I default there might be some help for me but they do n't know, and there 's nobody I can talk to about it. It is unbelievable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home mortgage are dragging their feet sending me modification application documents .I believe they are stalling because they want foreclosure procedings to expedite that are currently in the works in XXXX.I requested modification documents weeks ago /At this pace Wells Fargo will have received their judgement through XXXX and have foreclosed and the deed be transferred before get these documents This is purposeful and placing my home at risk

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 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: My name is XXXX XXXX. Along with my ex-husband XXXX XXXX, we purchased our home in XXXX NJ in XXXX. Unbeknownst to me, my husband took out a second mortgage line of credit for {$75000.00} in XXXX. When we got divorced, the property was awarded to me through the divorce court. As part of the agreement, XXXX XXXX was to continue making the mortgage payments on the property. Since all mortgage bills were sent to his apartment after he moved out, I was not aware of the existence of this second mortgage. I was recently served with legal papers by the holder of this mortgage, Specialized Loan Servicing,  stating that the loan was 15 months delinquent and that the amount past due was {$9800.00}. I immediately began trying to contact Specialized Loan Servicing to discuss the matter, but their agents refused to discuss with me, claiming that I was not the borrower on the loan. I tried again and again, I asked for a supervisor, but could make no progress. I dont see how it is possible that SLS can try and initiate foreclosure proceedings against me, the rightful owner of the home, without even giving me the opportunity to work to resolve the matter. I am not able to repay the full past due amount in one large sum, but would like to work something out. I am the legal owner of the home, and this is a second mortgage. The first mortgage is current and we have no issues and I feel it would be much easier for Specialized Loan Servicing to attempt to work this out with me or to transfer the loan into my name. As it stands now they will receive nothingthey are in 2nd position and my ex-husband is not the rightful owner of the home so I dont see how they would have any legal grounds to foreclose, especially since I am trying to resolve the matter with them. I am contacting your agency to see if you can investigate the actions of SLS and assist in getting this logjam broken and getting the lender to recognize that even though my name is not on this loan, I was the rightful owner at the time of origination, I occupy the home and I am the rightful owner now and I have a court order that proves it. If I was not part of the equation for SLS, why would they serve legal paperwork to 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 explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Credit reporting () with CORELOGIC INC (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: multiple unauthorized inquiries on report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Navient is continuing to call my work number after several times being told this is a business/work number and to stop calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a bill on collections that was paid on time on my credit report saying un paid. Balance is XXXX for the XXXX. 
Talked to a guy their and he does not know why it is showing. 

Also did not give outlet rental car permission to obtain my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MD).
Issue: Taking out the loan or lease

Complaint: I purchased a XXXX vehicle in XXXX of this year. I think I may have been a victim of discriminatory auto loan pricing. I have a relatively high interest rate and was quoted a down payment. Then later the next day I was required to make an additional down payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN).
Issue: Money was not available when promised

Complaint: In a letter dated XX/XX/XXXX, I stated the following facts : On XX/XX/XXXX, I contacted your help line at XXXX and again at XXXX, to report that the designated recipient had not received the Transfer Amount into her dollar account. I was then advised by a gentleman with a first name of XXXX that before 'MoneyGram ' can conduct an investigation into the matter you will need a copy of the designated recipient 's bank statement for XX/XX/XXXX to verify my claim.
Imagine my surprise when I received your letter dated XX/XX/XXXX indicating that the investigation was complete and that an error or problem with your MoneyGram money transfer transaction occurred on XX/XX/XXXX The reason you provided sounded suspiciously like a verbal error given for an earlier MoneyGram transaction with reference number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which preceded the one in question here.
In the earlier transaction I was told that a technical issue occurred with your partner Bank in XXXX and that I should try resubmitting the transaction after I collect my refund at the same location of the original purchase. It is important to note that I was not advised of my rights or afforded the option of completing the transaction.
I did as I was instructed and created the second transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To say that I have been inconvenienced is a gross understatement. So, pursuant to the Remittance Transfer Rule of Regulation E, 31 C.F.R. 1005.31 ( b ) ( 4 ) and ( b ) ( 1 ) ( iv ), and 1005.33 ( a ) ( 1 ) ( v ), I hereby demand a written explanation of my rights, documents on which MoneyGram relied in making your determinations and complaint procedures for the Consumer Financial Protection Bureau ( CFPB ). See attached documents for details.

Company response to consumer: Closed with explanation