milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Debt collection (I do not know) with U.S. Auto Credit Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Someone other than myself has created XXXX CFPB complaints under my account on XX/XX/2016, complaints numbers XXXX, XXXX, XXXX, and XXXX. There have also been comsumer responses provided indicating the company response is not disputed for which I did not provide as all of the company provided written responses to my CFPB complaints have misrepresented documents, account activity, and even omitted material facts related to the true status of my account during the modification process. I always DISPUTE the company response for these very reasons and I will continue to dispute the company responses so long as the company continues to lie and misrepresent the facts. 
Just to be clear, while the XX/XX/2016 CFPB complaints are represented as submitted by me, they are not and I have not authorized anyone to create or respond to any company response relating to any of my CFPB complaints. Specifically, I have never responded to the company response indicating not in dispute. So, the CFPB complaints between XX/XX/2016 throught XX/XX/2016 are disputed by me and what is showing on my CFPB account is incorrect. 
Furthermore, I simply stopped taking the time to indicate I dispute the company provided written response as it did not address the concerns within the complaint and often referred to a previously provided nonresponse response. Even so, it should be understood I continue to dispute the company provided written response to the extent it does not resolve my concerns stated within the complaints. 
An update and correction for the CFPB complaints between XX/XX/2016 through XX/XX/2016 is in order indicating customer disputes the company response. All other previously mentioned resolutions are desired and mandatory.

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 05/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service of Logan, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Consumer Loan (Installment loan) with Argon Credit (CA).
Issue: Problems when you are unable to pay

Complaint: Company " Argon '' refuses to update my information on website, refuses to state name via email but constantly request personal Identifying information, plays games like sends me emails regarding programs but removes and or no longer offers programs 3 days later, refuses to forward me to upper management, headquarters, ceo 's, XXXX, refuses to verify information regarding my account in writting, claims they do n't, refuses to fix my account allowing me to pay on time, instead, I cant pay online causing loan to be late, I wont call in because representatives are rude and I demand a receipt as well as confirmation in writting via email or mail, because of my previous experiences and my demands, argon associates, and representatives are ritaliating by not allowing me to pay online after I have sent proof of all violations/allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: Hi, I opened an account with coinbase. Their online XXXX system only works if you have driving license. I do n't. One day my account gets frozen and I am being told to unfreeze it I need to verify my documents. Their system is badly built with the section where I can submit my documents does n't work if the account is frozen. 

This has been going on for 2 months now - i even called their CS but they keep telling me that specialist will call me and nothing. 

No one is responding to my emails either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. 

Alleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: Synchrony Bank applied a promotion to my account without advising me that I had a year to pay it off with no interest and that if I did not I would incur interest form the date of the loan. I log on and find a interest fee of {$1500.00}. I called they could do nothing. I find it deceitful. I should have been advised of the promotion and given the option to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My name is  XXXX   XXXX , last four of my social at  XXXX . My mailing and billing address is  XXXX   XXXX   XXXX   XXXX  MD  XXXX . Date of Birth  XXXX   XXXX    XXXX  .     I have been blocked out of getting any info or using my credit card with First National Bank of Omaha. I followed their instructions in getting my identity verified by getting notarized ID and bills and sending it to the bank. THe bank is now forcing me to try to get a local bank to call the bank to verify my identity and I have tried and no bank in my area has that policy to do so. In addition, per the fair credit billing act, and fair credit reporting act, credit card companies can not verify identity in such way and unreasonable behave such that they do not provide me any information or allow me to use my card. I have fraud on my account and I expect the  ban  k First National Omaha to completely  XXXX  out my balance as any charge on that account in the past 2-3 months would have been used fraudulently without my consent unless it is my family member, which as of now we have no idea as First National is not shari  ng with me. Hence, I request First National to follow the instructions I sent them via statements USPS mail and look at the circled charged on that statement and file them as fraud and re credit my accou nt so that my account has  XXXX  TOTAL balance now. In a ddition I request First National to remove the block on my account and call me to discuss deta ils of my account at  XXXX  as I have already proven my identity via notarized documents.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: I was contacted by an employee of Capital One on XXXX XXXX, the employee made a threatening voicemail stating " call me back or come back with a XXXX ''. 
After reviewing the voicemail I contacted Capital One to file a complaint and was told that upon review of their recording the agent was n't aware that he was leaving a voicemail and was having a personal conversation. I was told that he stated that there was a quarterback that XXXX however, my voicemail states something completely different. I reviewed the voicemail again and sent the recording to XXXX XXXX via email and was never contacted again. I am extremely upset that I received such a threatening voicemail and the issue has not been resolved and has been completely ignored by management.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This letter is to notify you that I no longer am disputing this account. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender was n't able to provide me details of my payments made every month. I have paid {$10000.00} in XXXX 2016. They applied this amount to my account in some weird way that I am not able to understand. I have called them many times, asked for details but no one explain me anything. When I tried to add all the amount applied it 's not totalling {$10000.00}. So they have misplaced my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Remit Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was an out patient for XXXX, Total time in and out was 3 hrs I payed all copay 's, my insurance payed in full the hospitals charges, A few weeks later I receive a bill from the hospital saying I ow them {$2500.00} for services rendered, I asked for an itemized bill to see what these charges pertained to, And the hospital refused to submit this bill to me, knowing that after talking to my insurance company that this was paid in full, at which time they the insurance company suggested that I get an itemized bill, the insurance company stated that there 's been a lot of medical fraud buy hospitals over charging patients, for such things like {$15.00} for a XXXX, {$100.00} for a pillow, {$75.00} for a disposable gown etc, It was then that the hospital immediately turned this in to a collection agency i believe to force me to pay this fraudulent bill, which has also blemished my excellent credit record, The insurance company would like to compare this extra bill i 'm being charged with to what has been payed for and double charges or ridicules over charges.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: As of X/XX/2017 Chase bank is making demands of payments at the close of my escrow. I had to sell my home as chase bank gave me no other option but a short sale or a deed in leu of foreclosure. I have equity in my home and never agreed to either of these options chase bank gave to me. I initially was not served properly the non judical foreclosure document which was filed in XXXX XXXX county, CA. Therefore, the XXXX estamated Attorneys fees to chase are null in void. Corporate Advances to Chase in the amount ofXXXX are null and void. All interest per demand will need to be negotiated as Chase is asking for XXXX, XXXX. Among other fees. Escrow balance advance in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called in XX/XX/2016 asking my parents where I was pretending to be an old friend I believe the caller 's name was XXXX or XXXX it is a debt I DO NOT OWE I told that to the first lady who called me back in XX/XX/2016 asked for verification and she could not provide any. Very frustrating dealing with underhanded tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (FHA mortgage) with MORTGAGE FIRM, INC., THE (PA).
Issue: Application, originator, mortgage broker

Complaint: I was contacted about a request for a mortgage pre-qualification that I made via email on the website XXXX. I was replied to by a XXXX XXXX, who works at The Mortgage Firm in XXXX XXXX, FL. He sent a very disturbingly-worded email to me. I told him he was upsetting me and asked that he not send any further emails. He ignored this and proceeded to send me an email that listed the name " XXXX XXXX '' as the subject line. I had recently contacted a XXXX XXXX, as he is a broker from whom I requested information on a property for sale ... and XXXX XXXX should have had no knowledge of my correspondence with XXXX XXXX. In my mind, there is no possibility that XXXX XXXX ' name could have been mentioned as mere coincidence, as XXXX XXXX and I had never discussed brokers or specific properties in any capacity. This leads me to believe that XXXX XXXX somehow gained access to my email inbox - the only other explanation is that the XXXX men may know each other, and happened to discuss me prior to this second email being sent to me ( this is not professional behavior on their part, if so ). Following my receipt of this second email, I blocked XXXX XXXX from contacting me, but I am still shaken by his knowledge of my personal contacts, and by his disturbing first letter to me. I filed a complaint with the XXXX, but The Mortgage Firm failed to respond to my complaint - they are behaving as if I never filed a complaint at all. I wrote to The Mortgage Firm directly, and also received no response ... I then attempted to call, and they put me on hold in order to hang up on me the moment I gave my name. The attempt I made to call back after this happened was not answered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the 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 explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Problems when you are unable to pay

Complaint: I told the company I wanted to voluntarily turn my car back in. Once they received it, it was reported as a involuntary repossession. I have not received anything in writing stating the final sell price of the vehicle, or anything about what was due after the car was received by the company last year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX XXXX, XXXX Six months after the loan was closed, Wells sold the loan as a pool to XXXX XXXX. The selling of loans is a common practice with lenders.XXXX then securitized the pool and sold it in small pieces to various investors. As a result of this action, I do not have a lender for my loan with whom I can discuss hardship issue. Wells continues to be the servicer on the loan and the Master Servicer as well. XXXX XXXX XXXX XXXX XXXX is the trustee over the pooled loan. My loan is in tranche XXXX XXXX. I am looking to find it there is any recourse that I have with Wells for selling my loan, XXXX for being the last named owner prior to creating the tranche. I am finding it difficult to pay my mortgage and would like to get a loan modification. Is there any assistance that the CFPB can offer to assist me and other borrows in this precarious position. Please see previous complaint and response provided by Wells in the XX/XX/XXXX complaint.

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