milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2016 about Debt collection (I do not know) with Radius Global Solutions LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: # 1 XXXX XXXX finance I have paid this for almost 5 years they refuse to show my payments says balance? and paying as agreed. 
# 2 XXXX bank this account is a XXXX balance it should reflect that # 3 XXXX bank this account is a XXXX balance it should reflect thatNj Federal court says under investigation and has for over a year correct me if I 'm wrong but if they can not verify an account under the fair credit reporting act do n't they have to remove

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Payday loan, title loan, or personal loan (Title loan) with TFC Group, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On  XXXX / XXXX / 2016  I received a title loan in the amount of {$2500.00} from  XXXX   XXXX   XXXX   XXXX . The contract I signed states the total of payments made will be {$830.00} but the annual percentage rate states 111.710 %. The numbers are not making sense and the lender is tying to force me to resign a new contract. The federal Truth in Lending Act Disclosures are part of the contract agreement but the numbers in the contract do not make sense. Please help me resolve this issue. The contract was never signed by either parties.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Vehicle loan or lease (Loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (SD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: BM  O Harris  Bank 's auto servicing online service is designed to make payments and payment arrangements relatively difficult. If you set up an online access account, you ca n't actually make a payment through your account. The user has to go to a generic site and enter payment and account information every time. In addition, setting up an autopay arrangement is a paper intensive process that provides little feedback if the autopay is set up and when it kicks in. At the end of the day, the payment system seems to be setup so that people miss payments and become sloppy paye rs (  getting charged multiple late fees over a loans life cycle ).

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 02-12-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On the letter sent to me by Wells Fargo on XX/XX/XXXX they state that I was concerned about Late fee and Pay off, those are XXXX items that were not a concern to me. I spoke with Wells Fargo about a missed payment item posted on my credit report for the XX/XX/XXXX payment. I never got any email, letter, or phone call letting me know that a payment was missed or late. I signed up for electronic communication per their advice and should have received something as a reminder for my payment. I changed my phone number online but they state this never happened. 
I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XX/XX/XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. He also stated ( Per recorded communication ) that a letter should have been sent before the XX/XX/XXXX letter that I received, he felt the letter should have been sent earlier. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XX/XX/XXXX. I would like to have them remove the 30 day late notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 
This matter has not been resolved and needs to be addressed. 

I have spoken multiple times with Wells Fargo and this issue continues to be dismissed by them. They made a mistake and need to fix it. 
Sincerely

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 08/13/2017 about Debt collection (Other debt) with N.A.R., Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: NAR INC has a collection account on my credit report in the amount of {$3100.00}. This is a company that I have never had any dealings with this company. I have no contract with this company either. I have asked this company to provide me with a signed contract between them and myself and they have not done so. They need to be removed from credit reports immediately! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with CIT BANK, NATIONAL ASSOCIATION (AZ).
Issue: Struggling to pay mortgage

Complaint: My Mother,   XXXX   XXXX  , who was diagnosed with   XXXX   2 years prior to the origination of the FHA reverse mortgage. I struggled after finding out with the service, Financial Freedom. They have been horrible to deal with.
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Its been a year now since her death and Financial Freedom is still at foreclosing.
The house is in horrible condition. Financial Freedom arranged an appraisal that is per current sales. My mother 's house has not been repaired for 20 years now.
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I received notification from the servicer that they will not postpone the foreclosure. Financial Freedom even set the price on a short sale.
A short sale package was submitted to Financial Freedom over a month ago. How can they set the price on a home??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

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 09/21/2017 about Debt collection (I do not know) with U.S. BANCORP (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Refer to case XXXX acct no.ending XXXX case no. XXXX About US bank, they insist that they received money orders XXXX XXXX ) that they sent to " originating bank '' and that returned to their bank marked as in stamped counterfeit and spoke over presumably recorded phone line that they would either mail or provide in person else-wise submit the said money orders to help to verify their claims and therefore to find the culprit to be held accountable and kept responsible for allegedly counterfeiting united states postal service money orders. Eye am asking for the money orders signed over to my good and legal name to be returned to my possession so that eye may follow-up with US Bank 's suggestion that eye contact the CIA and the FBI to refer their practices for investigation. They also told that would be sending a cashier 's check regarding any foreseen positive balance that has instead been made into an impossible negative one. Peace

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On X/X/2017 I obtain a copy of my credit report from Equifax and notice inaccurate and incorrect information being reported as well as duplicate. 
I know this can be investigated and corrected please validate or remove because these items are only showing in my Equifax report and not the other 2 reporting agencies. 
This is not a refusal to pay but a notice to remove paid accounts and duplicate accounts with the same information please validate or remove because these items are dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NJ).
Issue: Fraud or scam

Complaint: I initiated a wire transfer for {$2500.00} on my account on  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX , I submitted a stop payment request for {$2500.00} and entered  XXXX  in the check number field. A {$25.00}  Stop  Payment fee was charged for the request.  Chase Exective Office,   XXXX   XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX .   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Oh,  XXXX , Care of  XXXX   XXXX , account no.  XXXX . Bank  XXXX  code :  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of 2016, I noticed that Midland was reporting this collection account on my credit report. I sent a letter asking them to validate the debt. They returned a letter saying they were unable to understand the nature of my dispute. I responded in a letter in XXXX, summarizing my first letter and once again asking them to validate the debt. I only received bills and settlement offers, never validation. I again requested validation in early XXXX. They failed to provide validation as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with Niagara Capital Recovery LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This company called my grandmother ( who lives in XXXX XXXX ) regarding my debt and told her that there was legal action against me. they would not disclose their name to her. When I called the number back ( XXXX ) to ask them to not contact her, they told me that they are called Niagra Capital and that they have a legal case against me. they would not disclose the original debt or why they are calling me r my grandmother, who has no connection to my finances.

Company response to consumer: Untimely response
Consumer complaint received 05/26/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hiday & Ricke, P.A. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In 2009 I had a traffic accident which no citations was issued the police stated no one was at fault, some how Hiday & Ricke on behalf of STATE farm ins. not only was able to go to court and falsify info but as some how gotten my driver 's license suspended, I have no money to hire a lawyer and need my driver 's license to work. How can any one who is a debt collector get some one driver 's license suspend and I was not even notify that there was court proceeding to attend and defend my self. I need some one to look into this for me. Thank you in advance. 

P.S the XXXX was wage garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Consumer Loan (Installment loan) with BARCLAYS BANK DELAWARE (AR).
Issue: Shopping for a loan or lease

Complaint: there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST

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 06-10-2016 about Mortgage (FHA mortgage) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification with my mortgage company with no success. The only options they gave me is either sale the home or I will be going into foreclosure,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names. 
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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 have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.

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 06/15/2017 about Checking or savings account (Checking account) with FIRST MIDWEST BANK (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have an account setup with a company called activehours who provides cash advances. I successfully registered in  XXXX  and have received funds weekly in which they automatically debit acct on paydays. In order for this to work my bank must report my work deposits to the company. Since  XXXX   XXXX  they have not done so, but this process was successful up until now. I have called first midwest bank over and over and no one has helped.

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 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: By law the Credit Reporting Agency is required to investigate and validate all accounts reported on a credit report ... .they should be able to supply to person 's name who entered the information ... .the actual contract or physical proof that is in their files to support the information being reported, yet, they refuse to investigate and verify properly.

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 07/31/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My bank is n't working with XXXX app

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 12/27/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Collection company had never contacted me when I lived in XXXX, where my debt was originally signed. Upon moving to XXXX, and after I contacted XXXX to repair my credit, it seems XXXX has purchased ALL of my debt in addition to my husband 's. I have court summon, which I settled but they refused to take my XXXX into consideration when agreeing to an amount and refused to accept monthly payment arrangements that I could afford. This company has come after us now. I explained to collection company 's attorney that I am XXXX and this credit delinquency arose due to a XXXX for a year. I also expressed to attorney that I contacted each original creditor from hospital via telephone to arrange payments and even offered medical documentation but to no avail. Now this company is unbending in their debt collection and, has explained that they will continue reporting on my credit for years to come. Also, they have stated that even though they will " settle in FULL '' upon agreed amount, they will further report me to the IRS for any difference above {$600.00}. I do not know if all of this is legal. I do n't see how any of this is fair. I am XXXX ... I contacted original creditor to avoid this very issue ... they did not care to work with me. XXXX XXXX collection company is probably a partner with XXXX XXXX credit repair company because the timing of all of this is too coincidental. I changed my address with XXXX so I am hiding from nobody only XXXX XXXX has contacted me now over year after having acquired my debt and precisely at the time XXXX XXXX became involved.

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