milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has placed a collection on all of my credit reports illegally. they have never served me with proper notices and have obsessively contacted me and annoyed me to no end regarding an unseen amount I owed to nationwide insurance. I told them I settled this debt and I had no responsibilities towards this any longer. I was told over and over again th at YES this amount was closed with the original company and that they would stop calling and harassing me. Now, I just checked my credit score to  see that they have placed a derogatory account over this small ridiculous sum on my  XXXX  credit reports and it has dropped my score over a  XXXX  points and I am devastated. They have no right to harass me and annoy me and try to collect a debt I had no idea about nor was I properly informed of. These people ruin lives and its not fair

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested Portfolio Recovery to verify a debt they have reported to my credit report and have not gotten any documentation or reponse

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 disputes the incorrect information with transunion on multiple occasion and transunion refused to investigates.
Transunion always replied to me that " dispute not specific ''.
I am sure that Transunion did not even investigate and now I demand they deleted those information on my credit report. The following were disputed and with certainty that Transunion did not disputed them I want transunion to deleted the following account according to FCRA statue.
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
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 06/29/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I lost my personal belongings with my social security information years ago and i notice while checking my credit report, XXXX notified me letting me know of a unusual activity on my credit report, while looking at it i notice this company Mid Land Funding on my report i disputed it with my credit bureau They did tell to contact them and they gave there phone number and i called them and they did not want to listen to me or try to understand my Identity theft Situation. AND THEY KEEP CALLING MY PHONE ON A REGULAR BASIS DISRESPECTING ME AND MY FAMILY. Please I need your help to get them off my credit report. this is the only negative thing i have on my report. And they are only showing up on my XXXX. Please!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with Works & Lentz, Inc (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX I was sued for {$2500.00} on a hospital bill. The company of Works and Lentz garnished my paycheck starting in XXXX XXXX for 25 % of my biweekly income. The garnishment stayed in place until the it was paid on XXXX XXXX, XXXX. I received no notification from Works and Lentz that there was a {$28.00} interest charge due on the account after this time. On XXXX/XXXX/XXXX my check was garnished {$310.00} from Works and Lentz and when I called to see why, I was told it was due to this {$28.00} interest payment that was " left over '' and that once the payment from my employer was received the garnishment would be release immediately. I called on XXXX/XXXX/XXXX and was advised that the {$310.00} payment had been received from my employer, but now it would take 7-10 business days to get the information to my employer to release the garnishment, therefore meaning that my payroll check will again be garnished 25 % on XXXX/XXXX/XXXX, and this company will get around if not more than {$600.00} on a {$28.00} interest fee we were never informed about. Then I will have to wait 30 days to receive any type of refund from Works and Lentz for the amount that was paid over.

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 04-08-2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Santander and each month when I make the payment online I 'm charged a {$10.00} " convenience fee '' The only way to avoid this fee is to mail the payment or setup auto pay with the bank - neither of these works well for me. What can be done to stop them charging a fee for me doing their work?

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hi im reaching out because I have never went to this school, i asked for the original contracts and paperwork with my true signature, contract anything. instead i received a blotted out promissory note with electronic signature on file that i never gave consent. I have sent in 3-4 dispute letters to gc service collection agency asking for the papers with my true signature and they never produce it. however i have a XXXX. sent to my employer to have my wages garnished which is unfair because i have cooperated with GC services. can you please investigate this matter i have reached out to the apollo helpline that is with XXXX international school and department of education but they all are asking for my true signature that i refuse to give until see some paperwork that i have signed, i called my local police department and they said that there is nothing that they can do without some paperwork. please help thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: I had a lease with Toyota, for a Toyota Camry XXXX, starting in XXXX XXXX thru XXXX XXXX. My wife is the primary driver and soon after getting the Camry, we wanted to trade the Camry back in and get something that sat a little higher up and would be better in the winter time. Between XXXX XXXX and XXXX XXXX, my wife or I went back to try to work a deal out with Toyota for getting another vehicle, and each time Toyota wanted {$75.00} - XXXX/month more for a vehicle, which was out of my budget. I finally went to XXXX and worked a deal for a XXXX Rogue in XX/XX/XXXX, XXXX agreed to pay the Camry off in full and return the car to Toyota, the XXXX salesperson called Toyota financial for a vehicle payoff amount and Camry was paid off. In XXXX XXXX, Toyota sent me a bill for a month 's payment, which was XXXX and a Disposition fee of {$350.00}, which Toyota claimed to be paid by XXXX/XXXX/XXXX. I did not pay it, and am filing this claim because Toyota will end up sending the bill to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had a dispute with Experian about an account that 's reporting only with them and not with the other bureaus. I advised them that they causing me sever damages by not correcting it and that I will file a complaint with the CFPB they than assigned a representative from their consumer affairs department and since then I am not getting proper help over the phone like anybody else, the agent assigned is almost always not available, afte r 5  he is officially not available. When someone else from the same department answered, they put me on extensive long holds and suddenly transfer me into that same representative assigned to me while he is not available.

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 03-03-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: -That was on or about XXXX/XXXX/XXXX, I sent a debt validation to National Credit Systems , Inc XXXX '' NCS '', in response to its letter dated XXXX XXXX, XXXX to dispute the alleged account, which is not mine. I gave NCS sixty ( 60 ) day right to cure my

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 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: XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX XXXX and is reaging this account to show a negative account on my Equifax, XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As is obviously well-reported, Equifax 's database on information was hacked and my personal information was included in it ( per their web site ). What is more, I went to the free annual credit reporting web site and for literally all of the 3 service providers where I attempted to get my credit report ( to ensure nothing fraudulent ) all of them failed, stating that there was a technical problem.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They sent me a letter - we told them many times that this is not mu debt but they will not stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In regards to Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Checking or savings account (Checking account) with Equitable Acceptance Corporation (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Unauthorized withdrawals are being from a fraudulent from the XXXX XXXX XXXX XXXX. They are stealing money from my XXXX  XXXX XXXX checking account. I filed a fraud dispute claim against them, but now they have changed the name of their company in a sneaky manner to Equitable Acceptance Corporation and continuing to steal more money with additional unauthorized withdrawals. 

I called and filed another dispute with the fraud dept of XXXX  XXXX XXXX. This is getting out of hand and I need assistance to put a stop to their dishonest and criminal business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service ((CD) Certificate of deposit) with BNY MELLON, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: CDs were purchased from XXXX Bank which was acquired by XXXX bank. XXXX was acquired by BNY Mellon. They were never cashed in and have been sitting in my husband 's office. They are in my name with my SS # on the front. BNY Mellon is refusing to honor these CDs. I have attached copies of them to this complaint. We have checked with unclaimed property of Pennsylvania and they have done an investigation and did not achieve resolution with the bank. This is my hard earned money and I purchased these CDs expecting to be paid back. I have the original CDs.

Company response to consumer: Closed with explanation