milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling

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 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt Collection company continues to call my XXXX daughters cell phone to attempt to collect a debt for another person. I have contacted the company XXXX different times, and XXXX of those times they have said that the number has been removed from their system, and is not attached to the account they 're trying to collect on, but the automated calls continue. In talking to the representative over the phone, they simply state that the number has been removed and that it will take XXXX hours to remove the number from the automated system. This has been the response each of the last XXXX times I have called, which covers a XXXX day period, so that is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently have ask you to show me permissible purpose that I allowed many of the creditors that you are reporting hard inquries on my report to be allowed to report the inquiry under the Fair Credit Act. I 'm asking you to show me, full documentation that the inquries belong on my credit report. Not a response with an answer of you believe that it was permissible purpose. The credit report showed a credit inquiry by a company ( s ) that I do not recall authorizing. I understand that you should n't be allowed to put aninquiry on my file unless I have authorized it. Please have thisinquiry or inquries removed from my credit file because it is making it verydifficult for me to acquire credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: Signed up for the American Express XXXX Card when they had the XXXX points bonus offer. Met the minimum spend of {$3000.00} in 3 months. Received the bonus on XXXX/XXXX/16 and they have taken back the XXXX point bonus on XXXX/XXXX/16, called american express customer support was not given any details as to why they have taken the bonus back only that it was a " point adjustment '' and the representative could not tell me anything more. I have done nothing illegal or immoral using any of my amex cards and can not see why the points are being taken back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After refinancing my home I was only given temporary payment coupons to make my payment. Once I received my first paper statement it showed a shortage of XXXX. My first statement was received on or about XXXX XXXX. I contacted XXXX, the mortgage company and attempted to correct the discrepancy, however, XXXX was in the process of selling my loan and was unable to assist me in any way and was instructed to call the new loan servicer ( SLS ) to correct any problems. SLS was unable to assist me until they processed the loan after XXXX XXXX. I contacted them again on XXXX/XXXX/2015 and XXXX and was informed that they do not have any information prior to their taking control of the loan and offered to request my statements from XXXX Mortgage to review. No statements were ever sent to me. I contacted SLS again approximately the middle of XXXX to attempt some resolution. After speaking with the agent she was able to see past payment activity and was able to locate the issue of XXXX Mortgagemisapplying my first payment causing payments to be late from that point forward. Now I am in a situation were neither mortgage company claims to have the ability to assit me in the matter. I made contact with the first mortgage company as soon as I received my first statement showing a discrepancy was sent and made me aware.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (WA).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX, XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Greetings : In early XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my XXXX XXXX visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a Wells Fargo business account number of XXXX with the name XXXX. From that account, money was added to my XXXX XXXX in the amount of {$20000.00} on XXXX and I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XXXX XXXX and again I made purchases and sent them off. On XXXX XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called XXXX XXXX asking for them not to let that happen, but even so it was reversed posting XXXX XXXX. 
I believe that Wells Fargo has responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this account does this many, many times per week. I believe this makes Wells Fargo complicit in fraud, as I believe that this account has been used in this way for a long time. I hired a private investigator who said literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid from a Wells Fargo account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a Wells Fargo business account to be used in this way, I would not have made and sent those purchases. 
It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. By allowing this kind of reversal without a court action, especially multiple times per week, Wells Fargo is complicit in allowing this kind of fraud to happen. 
XXXX XXXX

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 12-02-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I was havng problems and they gaveme a modification. I made the 3rd test payment on themodification and they then said never mind we were kidding your not getting a modification. I 've gone crazy trying to catch up and they have chanrged me almost {$800.00} in fees that I have no idea what they are. it seems for every 2 payments they are taking one payment in fees

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with AMCOL Systems, Inc. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have no idea who these people are and they report some debt to all XXXX credit reporting bureaus and call my cell phone all the time and leave threatening messages of arrest warrants and even come to my place of employment!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a request to correct 1. Account appearing inaccurately on XXXX and XXXX. XXXX XXXX fixed it in days equifax hasnt fixed it and their status page wont load because of errors on the page. So I cant check on what they found or concluded and they dont reach out with an update.
2. The last time I found errors I had to email the ceo to get any attention but it would be nice if they made sure the information was right or would correct it themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was reviewing my credit report and notice an account that I do not recognize. I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Problem with the payoff process at the end of the loan

Complaint: XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major  credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I went thru the process of deed-in-lieu win XXXX. My house was financed with Greentree Mortgage. One department would tell you to make your payments or your deed in lieu would n't be approved. After several months of this, I found out that was not true and my credit was ruined anyway. I could have saved the money and fed my kids. So in XXXX XXXX, I received a XXXX. The tax accountant filed and I thought I was done. Then on XXXX XXXX, XXXX, I received a XXXX from Ditech Financial for XXXX. First, is the deadline to send not XXXX XXXX? Now I have to go back to an accountant and pay additional money to amend a return. I do n't understand why it took them so long to send and why I keep losing money after the shame of having to give my house back due to a horrible divorce.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Other financial service (Debt settlement) with Student Services (IL).
Issue: Fraud or scam

Complaint: I entered into an Agreement with Student Loan Aid ( Now XXXX ) to consolidate and manage my student loans. The loans were consolidated and I began making payments to SLA monthly for the consolidated loan. However, without my knowledge or consent, SLA sought and obtained forbearance from XXXX so no payments were made on my loan, but interest accrued all while I was paying them monthly. Even without the additional interest that accrued because of the forbearance, I have calculated that I paid them {$3700.00} on the loans that were not paid for me as I led to believe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have not ever heard of XXXX XXXX, XXXX - via ABC Financial - phone XXXX. I 'm blocking their calls and putting out " Do Not Call '' advisory. 

I think this is a " collections '' call or a XXXX call - trying to get individuals to call back thinking something has been charged to their account. 

I 'm XXXX years - but, I 'm computer savvy. 

Message is from XXXX XXXX - XXXX ABC Financial - XXXX - XXXX I have not ever heard of them. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IL).
Issue: Problems when you are unable to pay

Complaint: I had/have a auto loan with Chase. In  XXXX  I had difficulties making payments do to a loss of work after a  XXXX   XXXX   XXXX . Then the vehicle started having significant mechanical problems not covered by the warranty. In  XXXX , Per Chase, I owed {$8600.00} total and they wrote/ charged off the account, I was never informed of this until recently and my understanding is this  XXXX  should have been issued in  XXXX  or  XXXX . I tried communicated with Chase at various points between now and then. I asked to communicate through email as it was easier because I worked nights at the time. I was ignored. Other then collection notices and a late night visit by a repo man, he was arrested, I had no contact with Chase. Fast forward to the present. Chase issued a  XXXX  for {$8300.00} to myself and the IRS , Date of Ide ntifiable action is  XX/XX/XXXX . I included it in my taxes. Now Chase tells me I owe them {$8700.00 } ( {$8300.00} plus interest ) to  close the account as the debt was not canceled or discharged like their  XXXX  form states. Chase informed me I still owe the debt it was not canceled, discharged, or forgiven. Chase then stated that when I pay it off I can fix it later with the IRS. If I do not pay it Chase states they will never do business with me again and my credit report will suffer. Chase refused to issue a fix/retraction for the  XXXX  that they state does not cancel or discharge the debt. The  XXXX  also states on the third page Chase sent me, " The IRS requires us to send you this form when we cancel {$600.00} or more of your debt in a calendar year. It can be all or part of your debt and can be issued as a result of Chase 's decision to discontinue collection activity and cancel your debt. '' Chase states my issue is with the IRS and not them. Chase states I still owe the debt even though it was  XXXX  and already claim as income on my taxes. Further, while researching the  XXXX  topic, it seems that it is almost solely Chase engaging in this ongoing behavior that allows them a tax benefit while also trying to collect a debt they discharged/canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with Alliance Data Card Services (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: FDCPA 807 ( 8 ) This is a law the companies are required to contact the credit bureaus on my behalf, and to make sure they add a sentence to my credit report within 30 days that says I have disputed the negative item in question. By law, they must do it within 30 days and they will be liable to me for damages of up to {$1000.00} per occurrence. I have proof that XXXX XXXX did not get in touch with Credit Bureaus within 30 days that I had disputed a negative item that they provided on my credit file. Experian knows they should have deleted this entry after I had contacted them about this negative item on my report. They also had 30 days to provide the statement that I, the consumer had disputed this negative item to them as well. The problem is that Experian is still trying to re-investigate this situation when they know they should delete the item from my credit report because XXXX XXXX has broken the FDCPA law. This dispute was reported in the month of XXXX 2017 and now it is XX/XX/XXXX but in XX/XX/XXXX is when Experian wants to provide the statement that I disputed this negative item on my report. It 's too late to provide this statement because it 's been after the 30 days time frame. They do n't need to re-investigate anything, just remove the negative from my credit report file. The XXXX XXXX and XXXX have removed this negative it from my credit report because of the 30 days time frame. I have proof that both Experian and XXXX XXXX XXXX have broken the FDCPA law.

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