milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-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 07-05-2017 about Debt collection (Other debt) with Navient Solutions, LLC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting  XXXX  separate accounts that are linked to my  SSN,  dates ranging from  XXXX   XXXX , 2008-  XXXX   XXXX ,  2008 . All  XXXX  accounts are with a  XXXX  balance, however it is reporting as a bad charge off/ closed account to the  XXXX  credit burea us  XXXX  ,  XXXX , and  XXXX  . This information is incorrect and is hindering me from having a better credit report/score

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IA).
Issue: Making/receiving payments, sending money

Complaint: We purchased tickets to a local concert using our PayPal account. Tickets cost {$75.00}. It was assumed that PayPal would then charge our Credit Card on file. Apparently the card on file was old and had expired. After 60-90 days from the date of the purchase, we received a statement in the mail for the {$75.00} and {$70.00} additional dollars in late fees ( {$35.00} per month ). We called into PayPal and happily resolved the original {$75.00} fees but contested the additional {$70.00} in late fees because we never received a statement from PayPal to know there was an issue. Since then PayPal has continued to charge Late Fees, its now up to {$180.00} and change after we paid the original {$75.00}. We would have quickly resolved the matter if we had been notified with a timely statement. These fees are excessive by any standard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Law Offices of Palmer, Reifler & Associates, P.A. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.

Company response to consumer: Closed
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with Texas Guaranteed (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: About 2 months ago, I received a phone call from TG XXXX, stating that I owed a {$100000.00} student loan debt I did n't recognize. My name ( XXXX ) is similar to the borrower ( XXXX ), but the address and social security number do n't match the borrower. The rep I spoke with apologized and said they would take my name off the list. 

Today, my employer told me that they received an order / demand letter from TG XXXX directing them to garnish my wages due to this same unpaid bill. I convinced my employer not to garnish my wages because the social security number did n't match. I want TG XXXX to stop harassing my and my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

XXXX has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, XXXX highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, Bank of America, validates their debt collection activity. XXXX claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

Bank of America 's summary judgment was denied on XXXX out of XXXX claims including fraud. 


XXXX should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. XXXX only has the right to pursue collection on what their predecessor had to transfer. Bank of America has not proven any right to collect the debt that was transferred. 

At the time Bank of America transferred the debt tp XXXX, Bank of America NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. Bank of America sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting Bank of America to answer the lawsuit almost two years late is pending in the XXXX XXXX. However, Bank of America transferred the XXXX balanced debt to XXXX on XXXX XXXX, 23 months after the lawsuit was filed against them.

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 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX mortgage with Nationstar and I tried to get that loan modified, but was turned down because they said that I was current on my mortgage. I explained that I was running into terrible because I could not seem to rent this house out. I had been covering that loan along with the XXXX mortgage on that house with my savings, which was depleting. 

So I called to do a Deed-n-Lieu in XXXX 2015 and the representative that I was working with never contacted me. I would leave voice messages and he would never call me back. I would take days off from work to reach him, every now and then I would get lucky and he would pick up and immediately, he would say that he emailed me. I would hang up and check my email and it would be no email from him. 

Apparently, they gave the case to another representative who seemed to work diligently on the case. When I spoke with her towards the end of XXXX she received an email saying that, I had ran out of time and that the house had a sale date of XXXX XXXX. 2015. I asked, how could that be, if we were working on a deed n lieu. I asked, does it normally take this long to do a deed n lieu? She responded by saying, i 'm sorry. I have to close the case. 

Now the second lien holder has been calling me, asking me what 's going on with the loan. I keep telling them, that the house foreclosed. Also, I received a violation from the city of XXXX, va regarding the cutting of grass. 

I feel my case was n't handled property with the first representative and he sat on the case and then when they gave the case to someone else to handle it, it foreclosed and now i 'm stuck. Apparently, they did not sale the house after all, I think it 's in their REO department and Nationstar never contacted the XXXX lien holder which is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with Security Credit Services, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This involves a company called "  XXXX  '' concerning the lease of a bed mattress. I paid on this account for months, contacted  XXXX  on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with ERC (WV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for  XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with QC HOLDINGS INC (KS).
Issue: Loan payment wasn't credited to your account

Complaint: I took out a payday loan in 2010 from a company called quik cash in XXXX Kansas. When I began to struggle I could not pay it myself and filed chapter XXXX bankruptcy with an attorney. Since I filed they have called my references and told them they were going to send me to jail, that I had court documents that I needed to pick up at the courthouse, had outside agencies call and demand payment and today they tried to collect by pretending to be my local police department. I called the number on my caller I 'd back and got my local pd and asked for officer XXXX after the initial call was disconnected where this " officer XXXX '' said I was being brought up on Criminal charges for writing a bad check for a payday loan. The pd said there was no officer XXXX employeed through them and they did n't have a legal department cuz officer XXXX kept having me talk to the pd legal department. Nice lady at pd said it had to be a scam cuz this just is not how the pd does things and this officer did not exist.

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 10-09-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Problems caused by my funds being low

Complaint: I filled my account was single out as a test case to entrap older bankers or those who are under educated about the Banking process, in the very low-income area of XXXX, TN Beginning XXXX XXXX, 2015- XXXX XXXX, 2015 which cost me a heaping total of {$330.00} during the above time-line ; although they credit me {$180.00} back into my account I still filled violated and robbed of {$150.00} by my own bank also used!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with Harvest Credit Management VII, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This was originally over a debt from credit card ( XXXX limit ) that i could n't afford to pay about 17 years ago, this was for XXXX XXXX. 10 years ago a law office that was hired by a a debt company ( harvest credit management i believe it is ) that bought the debt sued me. I never received a notice to appear ( failure to serve ). I only found out about it months after when the collected old mail to see the court case was already decided. To my knowledge I have to be served correct? Since which 10 years have passed and suddenly last week they seized all the money in my accounts both savings and checking. This happened without any notice. When I called them they said they sent a notice to an old address. They claimed the recently renewed the case and is why they just now after 10 years decided to make that move. They now claim I owe XXXX in interest on top of the credit card amount of XXXX, a total of XXXX. I have no way to pay this and will most likely claim bankruptcy soon unless they can settle for a far smaller amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with REGIONS FINANCIAL CORPORATION (OH).
Issue: Settlement process and costs

Complaint: We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.

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 06/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Banks are not being fair about charging fees to an individuals account. I have several transactions going in and out of my account. I have several overdraft fees on my account. WHY do they allow transactions to go through when i dont have money available? Is that so they can grab XXXX $ from multiple hard working citizens ... I want all of my overdraft fees returned. I call customer service but thats hardly what it is ... they just treat you like another number and pass you around or just say im sorry my system isnt allowing me to reverse anything. Again why do transaction go through when i dont have money available. I have allot of transactions on my account and if you dont want to lose my business and that taking my account and credit cards to other companies, you reverse all my fees immediately. IF not i will go to the Attorney General and OCCs office along with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I started the refinance process in XXXX 2015 with J P Morgan Chase and even after filing a previous complaint have yet to sign loan documents and complete the loan process.There has been no explanation not even from Chases executive branch as to why the process has taken so long. I have received letters on more than one occasion stating that I requested to withdraw my application, but never submitted such a request. After providing all documents perviously it was stated by the processor that certain items were n't received, although the mortgage banker had proof of submitting the documents. The privacy of my personal information has n't been taken into consideration. There has been no care or interest from the processor nor executive branch to assist the mortgage banker to bring this to a positive closure. It was previously stated that loan origination fees were XXXX % of the loan value now recently receiving the 3rd set of closing documents its XXXX %. It 's as if I 'm being penalized for complaining about horrible service and not being treated fairly. I refuse to believe that a large lending institution such as Chase who handle XXXX loans has such unethical standards toward lending practices. I would like to know how many loans that began when I initially started have closed in a reasonable amount of time ( I do understand every situation is different ). I am truly appalled at the thought that my ethnic background and the mortgage bankers as well are the catalyst for the delay. I would 've never imagined that my current lender would attempt to keep my rate high for their benefit and provide such horrible customer service. This has been a disturbing and a horrific experience to say the least! Please assist me with this inexcusable situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2018 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.

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