milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Payday loan () with CHECK INTO CASH INC. (UT).
Issue: Can't stop charges to bank account

Complaint: Yesterday morning XX/XX/2017 I received a harrassing call from a lady stating she was calling on a debt for Check into cash. She advised me I owed XXXX and wanted to know how I was going to take care of this debt. I advised that at this time I had No way of being able to make any type of payment on this account because I had been fired from my job while XXXX. She said that I needed to do something because they were going to take legal action against me. She then said what about your XXXX you own XXXX XXXX XXXX. I told her I had n't had that business for years. She then said I needed to call my father to get the money from him and that he also has a business called XXXX. I told her my father is in his XXXX 's and that he owns the home I live in and has been letting me go without paying rent because of my situation and that I would not call him to get the money to cover my debt. She mentioned him at least 3 times in the conversaton to cal and get the money from him. I was very upset at this time and told her again I would not contact him and again I had no money. Advised I could n't even pull my vehicle out of the garage becauseI had No gas.She said well I have no other alternative. I will let them no so they can proceed with the legal action. About 10 minutes after hanging up with her my Step mom called and said this lady had called them advising there was a claim against me and that they needed to help me with it. She brought upMy dads business to her as well and my step mother said he is retired and only keeps the license up for his self. The lady said she could n't disclose the full details of the amount needed on the claim but told my step mom to call me and give her permission to find out the claim details. My father is not in good health and this was very upsetting to both of them as well as it was upsetting to me. Neither of them were on my listed contacts an they should not have been notified and harrassed. I am in a hard situation right now because of my job letting me go and waiting on unemployment if approved. The phone numbers this lady called from was XXXX and gave my step mom this number to call her back on XXXX ext XXXX I called te lady back on the XXXX number and advised her she had upset my father and she had not better ever call them again. I also advised I was turning her in and she said to turn her into who ever I wanted she did nothing wrong. Bank was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with TMX Finance LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: titlemax called me many time telling me to contact them. 

I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. 

I tried to be nice and explain they had the wrong person. 

when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. 

this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with ROYAL UNITED MORTGAGE LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I responded to an ad last night online by Royal United mortgage services stating that they may be able to get me a better rate if I financed my mortgage with their company. I filled out a brief form with my phone # and address.
This morning as I was sleeping in the other room I could hear phone calls coming in one after the other non-stop for about 20 minutes. I did n't answer them and tried to determine where they were coming from based on the area code,  XXXX . This afternoon I finally answered a call from one of their agents and told her how unhappy I was with their attempt to reach me. She had no explanation and said my number would be taken off their list. Then more calls came in from the same area code and another one, Clearly these  XXXX  have no respect for anyone 's time or use of phone service. I have NEVER EXPERIENCED ANYTHING LIKE THIS BEFORE. They appear to be based in Indianapolis or somewhere nearby

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with LTD Financial Services, LP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been in foreclosure for over 6 years now. Throughout that time we have been passed from several different servicers. First XXXX then to XXXX XXXX XXXX and now Resedential Credit Solutions ( RCS ). We have tried for over six years now to try to get the servicer to modify our mortgage. Each time we were denied for whatever reasons they said like we do n't make enough money. More recently RCS declined modifying our mortgage they say because we do n't make enough money. We asked them several times to lower the principle balance of our home because they are asking us to pay over a million dollars for a home that is worth less the. Half of that. They are asking us to pay all the late fees, the mortgage for six years now and other fees, taxes and such. We want them to lower the principle balance on the home to what it 's worth today and forgive all the past charges and fees. We want them to bring the mortgage current so we can stay in our home we lived in for the past 10 years now. RCS has given us the run a round by telling us we do n't make enough money to pay the mortgage. We do if they forgive the past 6 years of fees. They wo n't work with us and I 've faxed and relaxed hundreds of pages of paperwork to RCS. They are now foreclosing on us with a sale date of XXXX XXXX 2015. We would like consumer finance to hopefully help resolve this matter with RCS. At the end of this we want RCS to modify the mortgage to what the home is worth anywhere from XXXX to XXXX, forgive all the past charges, lower the interest to 2 % at a 30 year fixed rate. We want to keep our home. I have tried for over 6 years to get the servicers to comply with us and they never have. I feel they are greedy and do n't care about homeowners they are out only for themselves. Please help us in any way you can. Thanks for your time in this matter. We hope that RCS hears us loud and clear we want them to modify our mortgage at the rate that the home is worth and forgive all past charges fees etc. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with FIRST HAWAIIAN, INC. (GU).
Issue: Rewards

Complaint: First Hawaiian Bank offered a sign-up bonus for their XXXX XXXX credit card. The terms & conditions require {$1500.00} purchase spending within the first three months of account opening. 
Timeline of events : Applied for FHB XXXX XXXX XXXX online on XXXX/XXXX/2016 via email titled " Start here for mighty value. '' from XXXXXXXXXXXX also dated XXXX/XXXX/2016. 
Approved for $ XXXX limit on XXXX/XXXX/2016. Requested credit limit decrease to $ XXXX XX/XX/XXXX. 
Received XXXX XXXX award miles on XXXX/XXXX/2016. This was the last day of the first statement period. 
Sometime around XX/XX/XXXX-XX/XX/XXXX requested for a new card to be sent as first card not received. 
Obtained {$1500.00} threshold on second billing cycle ending on XXXX/XXXX/2016. 
Messaged First Hawaiian Bank XXXX/XXXX/16 regarding missing bonus miles Received reply XXXX/XXXX/16 stating that bonus miles would be awarded in 1-2 billing statements contrary to terms and conditions of offer. 
Called FHB on XXXX/XXXX/16 regarding missing bonus miles, was told to call XXXX to acknowledge offer made by First Hawaiian Bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I sold a home that closed XX/XX/XXXX. The balances of the first and second mortgages were paid off but I had overpaid both mortgages. I have an overpayment of approximately {$1100.00} due back from my second mortgage with Citizen 's Bank. I have remained in contact and provided my current address to them since I knew I had an overage due back from them. To date I have not received repayment from them and have called them numerous times.they acknowledge the overpayment and claim to file inquiries on each of the 3-4 times I have asked them for the money and claim that they will keep me advised but I have NEVER been contacted by them regarding the status of the money and each time I call they repeat the same action. My last call on XX/XX/XXXX I insisted upon having them mail a check via XXXX so that it could be tracked. Having heard nothing from them I called again today and, as every other time before, they repeated their action of launching an inquiry. I explained this was unacceptable and spoke to a manager who said she will get back to me and forward this to the back office, since they handle the checks. I asked for a direct number to someone in this division but was told that they do n't have those numbers so I am left to once again wait and hope they handle this but I have had similar conversations before and fear that this will result in another delay. It is now 70 days and I have not received the money that is due back. This is a lending institution that recently had to pay a XXXX dollar judgement for defrauding consumers. I fear that this behavior has not been rectified and not only have they not paid out the overage but they continue to make interest on the money, regardless of how minute the amount. Multiply this for every consumer who might be having this issue and the amount multiplies exponentially. I advised the rep for Citizen 's Bank today that I would be filing a complaint with the CFPB today because of the continued inaction on their part. Should the money finally show up, I will retract my complaint but feel that this specific institution should be investigated as this may be a norm for them and others may be subject to this practice. 

I appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. SENT THEM AN A LETTER AND THE ADDRESS THEY FURNISHED ON MY CREDIT REPORT IS INACCURATE AND LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 09/16/2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (I do not know) with ABSOLUTE CREDIT  LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been denied access to an ONLINE version of my Credit Report from the  XXXX  major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I used Experian to get a credit check to rent an apartment. The site is structured so that its very easy to accidentally enrol for membership it calms it costs {$1.00} for a credit check. But what you don't see is at the very bottom it will automatically enrol you in there horrible program that will charge you {$21.00} Every month to be spammed by them. I tried to cancel online but you can't. I tried calling the help line but the first prompt is for you to put in your SS number, not your account number but your SS number. I don't feel comfortable doing this. So I don't know how to cancel it. This practice of forcing membership by making it impossible to cancel should be made illegal.

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 04-05-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed XXXX XXXX XXXX hard inquiries on my credit report. I received a letter stating that they would investigate and keep me informed of the status within 30 days. I received no updates. These inquires were from XXXX and XXXX. I have called Equifax on a few separate occasions and have been told there is nothing they can do to help me. I called XXXX XXXX and they promised to send a letter requesting the fraudulent inquiries be removed from my report. Still nothing has happened. There should only be XXXX hard inquiry on my Equifax report that is actually mine. There are now XXXX, which puts my status in the POOR area. Equifax refuses to remove the fraudulent inquiries. Do I have to bring a lawsuit against them in order to get them to remove the fraudulent inquiries?????

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 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: Information belongs to someone else

Complaint: I am challenging the following items with Equifax since they are stalling the investigation and are being ridiculous ... 

1. XXXX XXXX / XXXX - How is the dispute not specific? THIS IS NOT MINE! REMOVE IMMEDIATELY! 

2. XXXX XXXX / XXXX ( Same as above???? ) REMOVE IMMEDIATELY as it's a duplicate item that does not belong to me 3. XXXX / XXXX - This is NOT MY ACCOUNt. NO PROOF no documentation and no statement? PLEASE REMOVE IMMEDIATELY 4. XXXX  / XXXX - Same as above - duplicate INACCURATE Account that DOES NOT BELONG TO ME! Have it removed immediately! 

5. XXXX XXXX / # XXXX - NEVER GOT ANYTHING IN REGARDS TO THIS. DOES NOT BELONG TO ME and it was NEVER VERIFIED via legal and proper signed documentation! Remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: well as you shouold know by now, i state that infact a wells fargo, and XXXX XXXX, did in fact plan and execute a and emezzled many thousands of dollars from me. then i have noticed wells fargo secuity, and also depository insurance isnt even for a person like me, i have proven over and over you wells fargo are deciving everyone. understand i will not let this rest until i have my money and justice is served.you your staff tell me just enough i know one day you will get caught. andth i would advise you do the ma

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 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.

Company response to consumer: Closed with non-monetary relief