milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (DC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I do not have exact dates but in 2014 I had an auto loan with Consumer Portfolio Services. At the time I was not working and was unable to pay my car not and fell behind. I did begin working and starting making payments but before that time they would call 5-6 times a day. The callers were very rude and threatening. I have had to hang up the phone because one caller would n't get off the phone until I gave them a checking account number. They also repossessed the car when I was still catching up on the payments I was behind on. So I feel like if I am giving you payments I should be able to keep the car. Also, the company called 2 of my references and told them both I was behind on my car payments. They were harassing one of my references to the point they became upset. They also told the reference to go find me on social media like, XXXX or XXXX. This issue is currently affecting my credit. Also, the company somehow had my insurance to fix the car because there was a slight dent in it when it was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried a few times to check my credit and I am unable to get my credit report. It keeps telling me the information does not match when everything is 100 % correct. I do n't know if someone could have stolen my identity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery is attempting to collect debt that I have no knowledge of. Calling at all hours of the day and night, sometimes trying to be deceitful by changing numbers to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Mortgage (VA mortgage) with NETWORK CAPITAL FUNDING CORP (AZ).
Issue: Application, originator, mortgage broker

Complaint: Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, immediately!

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 07-10-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Student loan (Private student loan) with ECMC Group, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud Alert on my acct -- - I NEVER requested same. Did not authorize.

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 05-04-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I had started a mortgage modification .... I was told they will give me a relief program what I was not aware of at the end of the year I would have to pay double plus the payment and my balance of loan went higher .... I ask  Select Portfolio why the y gave me this loan .... they said ok we will help you now they gave me a interest only loan and said if I do not take it they will foreclose my home ... .. I wanted to appeal and they told me if I did this they would not accept my next payment ... .. This is why I am trying to save my home and if the balance of my loan keeps increasing I will never be able to save my home .... I have  XXXX  children and my family close to me who help me take my children to school while I work .... Please I have sent a letter to our  Congressman   XXXX   XXXX  for assistance .... I have complied with every request from SPS and now my loan is worse and higher ... .. Please help me save my home I also have sent a letter to  U.S Treasury Dept.  Please help me.     Sincerely,  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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I 've asked them to fix this, they say they did and the complaint was closed. Please see attached., XXXX We have reviewed your complaint along with the information you previously provided regarding this issue. You are not blocked from initiating disputes online. There are investigations pending, therefore you are not able to open additional disputes online. According to our records, you have a pending investigation which will be completed on/or before X/XX/17. They will verify the accuracy of the items and inform TransUnion of their results. When the investigation is complete, you will receive the results, along with a copy of your credit file at the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your 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 01-08-2018 about Debt collection (I do not know) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from equifax saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks vijay

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I 've attempted multiple times  on Navient 's website to enroll in an Income  Sensitive Repayment program. Each time I go to fill out the application it gives me a " Web Error '' call customer service, then they are closed. I 've tried on multiple browsers and computers, same error. Seems they do n't want to help us lower the payment.     Ive also called asking them if I can skip a payment due to a IRS payment I need to make that is around {$700.00}, they said no I ca n't. I have never missed a payment and they say i 'm not eligible for deferment ... I do n't want to differ my loan, I want to ski p 1  payment and have it added to the end of my loan ( plus interest ).     I also tried to download the application fro m Navie n't site an d gave the same error.     It seems they are not willing to work with those that are trying to repay. I Pay almost {$700.00} a month t o Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX  XXXX mi XXXX false address XXXX not live there 20 years now.

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 11/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I have a third party debt collector who froze my savings account and my daughters XXXX school account when the only money I receive is XXXX and child support. My bank told me that since I transferred the money from checking to these accounts it is no longer protected. I feel this is a violation of my rights and money. Also, the creditor did not send me certified mail and directly just froze my accounts. They never showed me proof of the debt as well. I am suffering without my funds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I am requesting assistance the assistance in regards to a background check was performed on  XXXX   XXXX    XXXX   b y Checkr Inc. on  behalf of  XXXX   XXXX   XXXX . The background che ck by Checkr Inc. le ad to my  XXXX  driver account being placed on hold after being a  XXXX  for 10 months and being in compliance of California  Assembly Bill No.1  XXXX   XXXX   XXXX  . Checkr has be en informed that information they are providing my employer/partner with inaccurate or incorrect information and have been ask to correct the issue. Numerous emails have gone answered and my phone call has been stonewalled with basically both companies pointing the finger at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: On XX/XX/XXXX, I contacted Equifax to disbute creditor of XXXX XXXX and was advised that I could n't request for item to be distributed as it came back verified in XXXX and XX/XX/XXXX. Original creditor was included in XXXX bankruptcy as well as is outside of the statue of limitations for the State of Florida. Creditor previously had item placed on credit file in XXXX. Now, creditor has sold the debt to a collection agency of XXXX XXXX XXXX and it negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with VANGUARD FUNDING LLC (MO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I applied for a hardship withdrawal from my XXXX through vanguard.I have been waiting two weeks for this process to be completed.I spoke with anXX/XX/XXXX to activate this transaction.I checked my account balance on vanguard website and thought the fund have been deposited.They were not because the initial agent who processed the request, did n't not put my account number in correctly.I spoke vanguard about this issue on XX/XX/XXXX.The agents stated that they can not add the last digit that was missing on my account.They stated that it would be 3-5 business days to reject the request.They stated that it would be an additional 7-10 business day to get my check.my closing date was scheduled for XX/XX/XXXX and will be delayed because of this issue.Total I have 3 weeks total to complete this process.

Company response to consumer: Untimely response
Consumer complaint received 11-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief