milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2017 about Debt collection (Auto) with Merchants Credit Corporation (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Merchant Credit Association Collection Agency was assigned my charged off debt amount {$36000.00} on XX/XX/2011. Since Merchant Credit did not own the charged off debt amount, they had to work XXXX XXXX XXXX to report false monthly growing debt amounts to the credit bureaus for over 6 years!! I did not find out about their illegal credit reporting until I requested my credit reports from the credit bureaus. Here is what I found & tried to disputed them and have the incorrect debt accounts deleted immediately. 

1 ) I do not have a written contract with Merchant Credit Collection Agency, nor did I promised to pay them and, I never sent them any payments. 

2 ) Merchant Credit Collection never sued me and won a court ordered Judgment against me. 

3 ) Merchant Credit Collection along with XXXX XXXX XXXX secretly and willingly charge my charged off debt account/s 12 % compound annual interest rates for over 6 years even now. When they knew XXXX XXXX XXXX had a written contract with me for 6.49 % annual interest rate. 

4 ) Merchant Credit Collection never bother to send me any monthly billing statements over the years and even now, but they see fit to charge and falsely report monthly growing debt amounts information on me for years and now too. ( Truth In Lending Act ) 5 ) While I started my credit bureaus, creditor and Merchant Credit disputes, my credit scores mysteriously took a sharp dive from XXXX to XXXX. I guess to retaliate against me for requesting written proof of the higher debt amount/s. 

6 ) Merchant Credit Collection was only reported on XXXX credit bureau, and the charged off debt was and still growing every month for years. 

*** Time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with U.S. BANCORP (CO).
Issue: Billing disputes

Complaint: This complaint is against XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX TX XXXX operating as Fidelity Investments and their credit card issuer ELAN FINANCIAL SERVICES. 
Background : XXXX 2016 Fidelity switched credit card providers from XXXX XXXX card to XXXX managed by Elan Financial services. 
XXXX XXXX, 2016 - Cancelled a prepaid XXXX rental car for {$230.00} and received cancellation confirmation # XXXX. XXXX confirmed that credit was issues to the credit card company. 
After several attempts to resolve, Elan representative recommend that I open a dispute to resolve the issue. Claim # XXXX. 
XXXX 2016 A provisional credit was applied to the account while dispute was conducted. 
Received request from Elan to submit a copy of the cancellation. Mailed to Elan on XXXX XXXX, 2016. 
XXXX 2016 Provisional credit was removed by Elan. The response I received from the Elan dispute team was that the cancellation confirmation paper work was not received. 
Re-sent a copy of the cancellation paperwork on XXXX/XXXX/2016 On XXXX/XXXX/2016 received another request for paperwork. Third copy was sent on XXXX I have made at least ten calls into Fidelity and Elan to try to resolve this issue without success. It is being managed by XXXX with the Disputes team, although follow-up has not been forthcoming. 
It should be noted that I closed my accounts with Fidelity in XXXX and XXXX 2016 because the company no longer allowed independent financial advisors to manage investment accounts. Also, this was an account in good standing for the entire duration of the relationship with Fidelity.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XX/XX/2017, I ended my service with XXXX. I paid my final bill and there was a small balance left over for the devices that I had under a payment plan.I remained in consistent contact with XXXX and the bill for those charges came due on XX/XX/XXXX. On XX/XX/2017 I called to discuss arrangements for the bill. I 'm waiting on my new phone carrier to provide me with the funds to pay XXXX out, but in the meantime I understood that my bill with them was due so I called and asked for a settlement since I do n't even have ownership of the phones anymore. Each representative that I spoke with on that date acted as if they did not understand what i was asking for. On Monday, XX/XX/2017, I received a call from Convergent Outsourcing on behalf of XXXX stating that my account is now in collections. I immediately called XXXX to inquire about why they sent my bill to collections without any warning or notice. My bill just came due at the beginning of the month and they are in violation of Section 806 and 808 of the Fair Debt Collection Practices Act. They had no right to send my account to collections. According to a customer service representative with XXXX, they sent the bill to collections on XX/XX/2017 and can no longer speak to me on my account. It is ironic that ONE day after I called to make arrangements on the account I all of a sudden am being sent to collections. Someone either assumed that I was n't gon na pay or sent to me to collections because I asked for a settlement and I did not ask them to do that. They can ruin my career of this were to go any further. I settled the account yesterday with XXXX XXXX at Convergent Outsourcing. She promised to send me a letter immediately confirming that the account has been paid in full. I have not yet received it and every time I call back I am told a different story. This is a complete nightmare that would have never happened had XXXX not broken the FDCPA when dealing with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with I.C. System, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with J J Marshall & Associates, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Medical) with AmeriCollect (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My home Loan was sold from XXXX to Caliber Home Loans in XX/XX/2015. It has been nothing but a uphill battle and I have been doing everything possible to remain in my home. I keep getting the run around with Caliber by getting told to talk to a different department, person, call different numbers, requested to fax this document etc. all of which I do. I went to my bank and they requested from Caliber a pay off amount in hopes to refinance and get away from them and they received no response. They did research on loan with Caliber and suggested I contact an Attorney which I did. The attorney requested an pay off amount for the loan and he also did not receive an response. I did have a conversation with caliber one of many and was told that they needed written permission to communicate with anyone regarding my account with them so I faxed them my consent. I then received a letter from Caliber stating that they were going to cease communication because I obtained an attorney. My attorney faxed them another letter stating that is not what we are trying to do. We want communication! So my next step in hopes of clearing this mess up was to contest the XXXX account numbers and loans that are associated with my mortgage and Caliber asking them who, when, and how much the loans were and provide supporting documentation. We still have not received anything. In the mean time I receive a letter every month that I am in default and at risk of loosing my home. I am told by one Caliber department to ignore that letter as it is generated by another department and that I am dealing with another department. Caliber stated that I was also behind in my taxes and asked me to provide the last 5 yrs. showing the taxes being paid so I faxed them to them. Last year I paid both county and school taxes and Caliber paid them because they were not going being paid on time.I was unable to get my money back from the county and was told the check from Caliber was sent back to them. When I contacted Caliber and informed them of what happened I got the run around. It was not until 3 weeks ago and numerous phone calls over a 2 year period that I was finally able to get online and see my account. Apparently there was a block on my account. I never received receipts, paper statements, balances, etc. I would mail my payments every month to Caliber with my account number for one loan. In the letter I recieve once a month stating that I am in risk of foreclosure there is an amount that states the outstanding debt is a lot less than the amount that appears on Calibers website when I log onto my account. I can not get anywhere with Caliber and can not begin to tell you what this has done to my health but will continue to try.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: In the past 2 months my family and I have been heavily impacted by hurricane XXXX. XXXX XXXX is the only bank not acknowledging that we are part of a declared natural disaster area per XXXX. XXXX is not willing to work with me in any way and will not even give us one month to recuperate and get back on our feet. XXXX has reported me 30 days late and according to XXXX XXXX XXXX XXXX Id # XXXX ) ) they will not be deleting any 30 day negative credit reporting.. Not only was this manager so condescending and not at all compassionate, one of the representatives from the collections department ( ID # XXXX ) threatened that the car would be repossessed and hung up the phone on me after acknowledging I wanted to be transferred to customer service. XXXX has shown no consideration, no compassion, no support or concern during this difficult time. Other lenders have proactively reached out to us to assist, postponed payments, and suspended negative credit reporting since XXXX has declared our area a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I just opened this checking account not a month ago and I just received XXXX notices that it and the associated savings account are going to be closed on XXXX/XXXX/2017 and the associated credit card has been XXXX out. I have barely gotten a chance to use this account and I do n't know why my membership is being canceled as the letter does n't state and the bank refuses to say. I have only had an overdraft using the protection because of their ridiculous hold policies and it was immediately paid. My husband 's account was closed before but I had nothing to do with that nor am I responsible for his behavior ( even though they could n't explain that either other than " unacceptable behavior '' ) and we are going through a separation so I need a separate account. I have a separate USAA membership number and I feel this is only for discriminatory reasons as they have always been rude to us because we are a XXXX couple. They have damaged my credit and if these accounts are not reinstated, I expect the hard inquiry and all traces of this credit card account to be removed from my credit report. This company now punishes relatives of USAA members they do n't like and ca n't give a reason for either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a letter from m & t. Bank which is the holder of my mortgage stating that I am behind a payment from  XXXX  of  XXXX . Apparently the mortgage company infinite mortgage services requested a payment back in  XXXX  of  XXXX  from my bank stating it was owed from over a year ago. Back in  XXXX   XXXX  of  XXXX  " it is even noted on my account '' I had called the mortgage company and also my bank to pay my first payment. They told me I did n't owe anything until  XXXX  of  XXXX . So I started making my payments  XXXX  of  XXXX . Now m & t is starting the foreclosure process with threatening letters phone calls and visits to my home on an error that was in no way my fault. I had contacted the bank for the past 3 months trying to fix this error and requesting letters to help my fix the issue. I had never heard back from them except the threatening letters when they were supposed to investigate the issue. Also they are reporting the missed payment every month to my credit bureau and ruining my chances of ever having a good  credit score . I have had issues with this bank from the start and I feel that in the errors I should not have to make this additional payment because I have kept my payments on time every month since obtaining this house. I should not be held responsible for the banks error of over 1 year ago. This company is ruining my life and my credit and I need answers or some kind of assistance. I have  XXXX  children and live paycheck to paycheck there is no way no will be able to afford to pa y 2  mortgage payments back to back because of there error also there is no possible way I can afford there insane repayment plan of an extra  XXXX  $ on top of my mortgage every month. This bank is a joke and horrible at what they do please help my situation. Thank you

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 02-06-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In recently checking my personal credit reports with the credit reporting companies, there is Public Record derogatory that I am challenging as inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. In my case, the action concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction and therefore not fully satisfied. 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, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has 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 objectives and I am requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Credit card) with Praxis Financial Solutions, Incorporated (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Praxis Financial Solutions XXXX have promised a Trade Line deletion in exchange for payment for a Charged -Off debt purchased from XXXX XXXX Unfortunately, the payment was received but the written agreement for the deletion of this account 's " Trade Line '' and " all credit reporting that has been done on this account '' has not been honored. I have brought this concern directly to XXXX. Although my concerns were clearly documented with specifics, XXXX has rerouted my concerns ( with inaccuracy ) to a " request for XXXX to remove its credit bureau reporting due to debt being paid or settled in full with debt buyer ''. Clearly, XXXX 's summation is not the concern, and this gives the appearance that they simply do not care. These institutions have legal teams with great experience at wordplay, at times this only adds confusion to the consumer but not real solutions to problems that have negatively impacted the consumer through no fault of their own. Institutions like XXXX have no incentive to take my concern seriously. This huge oversight has negatively impacted my credit, and re-victimized my family. See previous reports from CFPB Case # XXXX ( and the attached ) where obscene language and abusive language was also reported -- not from XXXX. Using terms like " Trade Line '' deletion and " all credit reporting that has been done on this account '' are clear terms any consumer would reasonably expect to be honored. Any consumer would have been under the impression PFS XXXX received permission to enact this promise. There should not be a need for " buried in blueprint explanations '' or exemptions as to why this promise did not or does not apply. If deception was not the intent, then I simply ask for PFS to work with XXXX to " right this wrong ''. 

We are grateful CFPB supervises banks, credit unions, other financial companies, as well as enforce federal consumer financial laws. The small guy can easily become devoured had it not been for your organization 's dedication to law and fairness. 

As it now stands, XXXX has now " dinged '' my credit report, made changes to it, and has done more harm at this sensitive time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax continues to erroneously report Chapter XXXX bankruptcy information. They have claimed repeatedly that they are not doing this -- but a credit report pulled today by my mortgage lender confirms that they are : Good Morning XXXX XXXX : I just got off the phone with our XXXX party credit reporting agency and evidently Equifax is the only credit bureau that is reporting the XXXX XXXX XXXX XXXX accounts as a Chapter XXXX versus a Chapter XXXX. 

Here is the documentation they will need to go straight to Equifax to have this corrected:1 ) '' Discharge of Debtor '' page of the bankruptcy paper work2 ) Schedule " D '' of the bankruptcy paper work showing the XXXX XXXX XXXX XXXX accountsPlease send to me and once received, I will send a credit repair letter to our third party credit reporting agency to have changed from a Chapter XXXX to a Chapter XXXX. 

Also, fyi, here is information regarding the XXXX XXXX XXXX XXXX accounts in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX XXXX XXXX XXXX Opened XXXX XXXX High Credit Limit $ XXXX of XXXX XXXX Opened XXXX XXXX XXXX Credit Limit $ XXXXXXXXThanks! 



XXXX XXXXBranch ManagerNMLS # XXXXPhone : XXXXXXXXToll Free : XXXX XXXXCell : XXXXXXXXFax : XXXXXXXXXXXX

Company response to consumer: Closed with explanation