milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RFNA, LP (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (TN).
Issue: Taking out the loan or lease

Complaint: The loan was originally taken out on XXXX XXXX, 2015 whereby the first inquiry was authorized & initiated. The loan was for the purchase of furniture, which was delivered in XXXX, 2015. While reviewing my credit profile, I noticed that said lender had run another credit inquiry on XXXX XXXX, 2015, which was not authorized. This XXXX inquiry prevented me from acquiring another loan! I have called the lender endlessly since I noticed the second inquiry, and even made several trips to their office - all of which seemed to have literally gone unnoticed! The manager had once instructed me to type a letter, which would be forwarded to their corporate office ( see attached ) to clear the matter up. To this date ( it 's been over 4 months since the letter ), all I get is the run around with nothing being accomplished!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Released my personal information in security breach

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with BC SERVICES, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report

Company response to consumer: Closed
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Vehicle loan or lease (Loan) with Steward Financial Services LLC (MO).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. <P/>I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? <P/>Just for the record what was the pay off?

Company response to consumer: Untimely response
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XX/XX/XXXX, I opened an account with US Bank. I had signed up with the summer promotion they had. I opened it up with the promotion code. As a criteria for the promotion, I had direct deposited {$500.00} from my paycheck on XX/XX/XXXX XXXX. These were done within 60 days. 

I had submitted a secure message to the company regarding the issue. There are no dates since I can not find the original message sent. However, I did receive missed calls and eventually a letter from XXXX XXXX, a Customer Care Specialist. They stated that I have met the requirements for the {$200.00} promotional credit and would be credited after XX/XX/XXXX 

OnXX/XX/XXXX, I called XXXX XXXX and left a voicemail. Since then, I have not received the credit nor a call back from 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 monetary relief
Consumer complaint received 01/29/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (MT).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I contacted Planet Home Lending letting them know that I have become XXXX, and that I need assistance with my mortgage until my hearing with the Social Security Administration. It is listed all over their website that they have programs and are happy to help. They reported that they received my paperwork on XXXX XXXX XXXX. It is now XX/XX/XXXX and not only have I heard nothing from them regarding my need for assistance, which I was promised within 30 days of them receiving my paperwork, I am still receiving call after call from nasty people from planet home lending asking when I was going to pay my bills, or pay my mortgage to current status. They also have people taping nasty notes on my front door telling me to pay up. Not only have they lied repeatedly about wanting to help, they are charging me late fees for every month they make me wait for them to give me an answer. I WAS NEVER TOLD BY ANYONE AT PLANET HOME LENDING THAT DURING THIS TIME I STILL NEEDED TO MAKE PAYMENTS UNTIL I HEARD BACK FROM THEM.

Company response to consumer: Closed
Consumer complaint received 10/30/2016 about Debt collection (Medical) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Transunion regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.

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 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (VT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX XXXX Experian

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 09-11-2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. 

I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Application, originator, mortgage broker

Complaint: We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Payday loan) with Oportun Financial Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Equitable Acceptance Corporation (MA).
Issue: Fraud or scam

Complaint: About a year ago,   XXXX   of 2016, I received a notification in the mail that it was my last chance to take advantage of a special program that provided relief for people buried in student debt. I investigated by calling the number that was provided and was guided through an information exchange process by a woman named   XXXX   XXXX  . She claimed that if I gave her company my tax and personal information, I could partake in her company 's program that, in her exact words, " would wipe out my federal student debt after 20 years of payments to them. '' This company was EQUITABLE ACCEPTANCE. What I did n't know was that the way she planned on doing this was by lying on my behalf on a federal form. EQUITABLE fraudulently reported to  XXXX , my loan servicer, that I had as many as   XXXX   dependents in order to get a $   XXXX   monthly payment, then charged me {$40.00} a month for it. It shows up on my credit report as a credit card thats maxed out, on which I am making minimum monthly payments. EQUITABLE applied MY SIGNATURE to false information on MY BEHALF, took advantage of the stressful situation I was in, misled me with half-truths and took my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my mortgage in full on XX/XX/XXXX, I disputed to the credit bureaus that the delinquency, and past due balance should be updated to paid and no past due balance because this account was paid in full and I have my title. Vanderbilt Mortgage responded back to XXXX on XX/XX/XXXX that the account was not paid, and there was a past due balance which is incorrect, if this were true how did I receive my title to my mobile home? Vanderbilt reporting incorrect information has caused me to be turned down for credit such as a new home loan. They are reporting that I am 120 plus days past due

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 12/22/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.

Company response to consumer: Closed
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with JAMES B. NUTTER & COMPANY (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.

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. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.

Company response to consumer: Closed with explanation