milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Finance Company, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am the the trustee and my brother XXXX XXXX XXXX XXXX. He gets XXXX a month to live on so, any other bills have to go through me, the trustee. My brother was sued by Professional Finances. I contacted them. First time I called on XXXX/XXXX/2016 I was told that case # XXXX was for XXXX bills but was n't told who, what, or why and it was for XXXX but, they would take XXXX. Then I was told there were XXXX more cases, totaling XXXX but they would take XXXX. I told them XXXX case for XXXX was already ( 10 days would be 4 years ). They said they could n't sue but lead me to believe they could still go after it.not according to nevada law NRS 11.190 ( 2 ) ( a ). I was told that they would take the XXXX on the XXXX cases and I could offer a settlement on the the others. I called back and was told I could make a settlement offer on all of the cases. I called back and made an offer. I was then told that the XXXX that was agreed to earlier was now XXXX and the the other XXXX cases were XXXX ( past 4 years on XXXX ), XXXX, XXXX for XXXX. They said they would take XXXX on it all well XXXX + XXXX = XXXX. XXXX + XXXX ( orginal numbers ) then XXXX + ( -the too old XXXX ) XXXX. When I asked why was I getting different number every time I called I was told it was because I spoke to XXXX different people. How do numbers change? I was told we settled on XXXX then it changed to XXXX. I was told I could make a settlement offer on the XXXX other cases then I was told I could n't. I was nasty because I had to call them 6 times and speak to supervisor and supervisor 's supervisor to tell them my brother would n't be recorded giving me autherization to handle his case. So, my brother called the lawyer, gave the ok, and got around being taped. I called 3 times and got XXXX different numbers and told different things each time and told it was because I spoke to XXXX different people. I want an itemized and told a supervisor that and he said he could n't do that. Why ca n't I have that? I want the numbers justified and on paper. Why ca n't I have that? I was told I could make an settlement offer then I was told I could n't. We had a settlement in place with XXXX case and they changed it. How can they do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with AFNI INC. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. 

In addition, this account was removed from my credit report already.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage from Sun West Mortgage Company. After the repairs were completed, Sun West Mortgage Company sent me my monthly statement XX/XX/XXXX for my upcoming XXXX 2016 mortgage payment. The statement showed the unused funds were applied to my bill and I still will have a remaining credit for about half a month worth of mortgage. The statement clearly indicated under please pay amount that it was a negative ( credit ) amount. Because of that monthly statement, I rearrange my finances to cover things I normally did not have room in my budget. On XXXX XXXX, 2016 Sun West Mortgage sent me an email saying I did not make mortgage payment before the end of the grace period ( XXXX XXXX ). I contacted Sun West and they stated it does not matter what they sent to me and pay my bill. They refuse to admit fault. They bombarded me with a lot of phone calls and had someone visit my home twice to instruct me to pay. Sun West stated that the credit is correct, but they applied it to principle. This may or may not be standard practice, but the monthly statement did not reflect that. I find Sun West practices to be misleading, inappropriate, harassing, and intimidating. Still, no one has apologize to me for the mix up. 

Best Regards, XXXX XXXX XXXXXXXXXXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: World finance Corp is inaccurately reporting on my credit, this account is reflecting open which is impossible because the account is charged off as well as the date of last activity is reporting different on transunion and XXXX. The date of last activity is imperative to credit reporting because it directly affects how long an adverse account will be reported on your credit. I disputed this account and it came back as reported accurate. This creditor is in violation of federal and state laws and I will follow up my complaint with the Texas consumer credit commissioner and the Texas attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: When I was having trouble paying my loan because I had a minimum wage XXXX, they would call me everyday, multiple times a day, and add huge late fees to my loans. When I answered the phone they would make me answer a long list of questions and at the end they would tell me they could n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have Disputed several accounts that appear on my report, but have not heard anything yet. I also need to dispute some of my personal information that appears on my credit report. My Current address, and Employment are not correct. I am not employed but on Social Security XXXX as monthly income. I would like that included on my credit report to reflect that I do have a monthly income.

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
Consumer complaint received 11/13/2017 about Debt collection (Medical debt) with Metro Collection Service, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Metro Collections is attempting to collect debt from XXXX XXXX XXXX that was discharged in a bankruptcy. I sent a letter requesting verification of debt and told them the debt was discharged in a bankruptcy. They still have not forwarded evidence regarding the debt. They sent notification to the credit bureaus after I notified them the debt was discharged,  and my credit is being affected by this reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Application processing delay

Complaint: I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to Equifax on line site and filed a request for my credit report they wanted {$10.00}. I did n't see where there was a free option available. After filling out the required information my request was rejected. I then received an email stating that I had tried to excess my account and that it had been rejected there for the account was locked and to call their number on the msg. When I called the number I talked to a lady who did n't speak my kind of english and I could n't get enough information across to her to take care of my problem. I finally gave up. I want my score and I do n't want to pay {$10.00} for it this is the first time in years I 've asked for my score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Payoff process

Complaint: I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.

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 11/19/2015 about Debt collection (Medical) with HOVG, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by XXXX erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX have reported that I have opened an account No. XXXX on XX/XX/2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ). 
XXXX  clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through XXXX credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.

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 03/22/2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Appears to be the debt sold from XXXX whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I, and the father of my son who does not even have the last name and lives in another state -who have nothing to do with a debtWe have both been contacted illegally, HARRASSED by : XXXX XXXX ofGC services collection agency - XXXX XXXX. 
He said a 'personal matter from a collection agency '. 

The father of my son, with a different last name and I have a strain relationship and to ad this harassment on collection calls that are not relevant to me or my son should be stopped and reported for illegal practices. 

This call has placed a strain on my relationship with the father of my son, whom I am not married to and he has NO relationship to the person they are calling for and say has a debt. A XXXX year old person. 
And calling my phone number XXXX times and to ask for her when my phone clearly is listed under my personal name. 

This tactic of harassing everyone in search of the XXXX year old person whom they say has a debt - has no relationship to what ever reason they are calling for collections, is stressful and should be illegal to call people that have no relation or even the last name - in this case I repeat calling the father of my son who is not related to the person they say are trying to reach. And dialing my phone 5 times for something I have no relationship to such debt is harassing. 

GC SERVICES, XXXX X XXXX XXXX XXXXSHOULD NOT BE HARRASING PEOPLE IN THIS MANNER FOR SOMETHING THAT HAS NOTHING DO TO WITH THE ACTUAL PERSON THEY SAY THEY ARE TRYING TO REACH FOR COLLECTIONS. 

THIS COMPANY SHOULD BE STOPPED FROM THESE PRACTICES IMMEDIATLY TO AVOID THIS TO HAPPEN TO OTHER PEOPLE. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have confirmed a debt to XXXX which XXXX confirms that they received a copy of the equipment return. I contacted XXXX who provided a number that says it is not in service. I called a number I found under a XXXX Search for the company and it rings and provides no message or ability to leave a message. I would like this removed off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  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 non-monetary relief