milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2016 about Consumer Loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Managing the loan or lease

Complaint: Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with TD Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, TD Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with Benuck & Rainey, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: called my cell phone with out consent, and did not give the whole foti message.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (I do not know) with Account Recovery Service, Inc. (WI) (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: No amount was given to me that I owed because they wanted me to verify my social security number and I refused. I requested a written notification and he yelled that one had already been sent but I never received one. We have asked that they stop calling and the guy called twice after and left a voice message. Then we received a call from a XXXX XXXX threatening to have someone knock on our door and serve us papers.

Company response to consumer: Untimely response
Consumer complaint received 09-05-2015 about Payday loan () with CHECK INTO CASH INC. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: Check into cash on XXXX XXXX XXXX Ohio issued a loan to me for an amount of approximately XXXX dollars in XXXX, I made payments. Upon making another payment later in 2013, maybe XXXX payments later, there was a offer of refinancing loans and receiving a new loan for more cash. I asked that this special be explained to me thoroughly before accepting the refinancing of current loan or any extra money upon refinancing. After agreeing to get the loan I was handed approximately $ XXXX on a loan that was originally the $ XXXX, after refinancing. I was not made aware of that, I was fooled into accepting this with the understanding of a much higher amount, then handed {$30.00} approximately with expectations of hundreds more. Although there were emergency reasons for these loans, as a consumer I was lied to and cheated and taken advantage of. I now receive calls that I would be arrested and fake warrants via e mail threats. The original cashiers name was XXXX. This is criminal to XXXX people in debt and attempt to destroy my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been harassed by Midland Funding, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ), on and off for several years. On XXXX XXXX, 2012 I sent them a letter asking for validation of a debt they claim I owe. They never responded to me, but instead put the debt on my credit report as their own debt, with a falsified Open Date. 

I then sent them a letter demanding either proof of debt or removal from credit report. They ended up removing it. Now, XXXX years later I see it once again on my credit report. I am done talking to them, I now wish to file a public complaint and if they do not remove this from my credit files within XXXX days of today, I will file a lawsuit against Midland for several violations of the FDCPA over the last XXXX years. 

I have never had an account with Midland Funding, and do not appreciate them popping up on my credit files every few years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX is a collection agency contacting me about a previous debt {$470.00} with XXXX XXXX XXXX. I mailed a certified letter to XXXX on XXXX/XXXX/XXXX requesting debt validation ( see attached ). On XXXX/XXXX/XXXX, XXXX responded but failed to validate debt. On XXXX/XXXX/XXXX, I mailed a letter to all three bureaus advising that XXXX is reporting a debt that has not been validate. According to the Federal Credit Reporting Act, it is unlawful to report unvalidated debt on my credit report. I also mailed a letter to XXXX advising them that the bureaus have been notified of their failure to validate the debt. In XXXX XXXX, the debt was removed and re-inserted. Please assist in collection removal from my credit report. XXXX has not validated debt by only providing a debt summary instead of providing proof of actual document that created the debt. XXXX, Experian and XXXX are illegally reporting an unvalidated debt. Also neither bureau has advised me of the collection re-insertion, also violating the law. Please assist, the illegal reporting of the debt on my credit report is a defamation of character and against the law. Please assist.

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 07/29/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a credit report a saw that Progressive Mangement Services of XXXX XXXX, CA has reported a debt and trying to collect on it, I had advised them in the past the debt is old and and the statue of limitations in California is 4 years and can no longer collect on it, when it was reported to the credit agencies there is no account number attached. I did send them a email asking that they remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Late fee

Complaint: Capital One charged me interest and late fees on top of an annual fee XXXX {$59.00} XXXX for a credit card. They reported me to the Credit Bureau for not paying the {$59.00}, but also reported me for fees and interests ( {$26.00} XXXX for a total of {$82.00}. Charging interest and fees on top of an annual fee is illegal. Supporting documentation is attached. Because I am refinancing my home, the ding on my credit hurt me. They said they would fix it, but that it would take 30-60 days for the Credit to be repaired. Since interest rates are rising, I might now qualify for a lower interest rate now due to the ding on my credit, which could cost me thousands of dollars in the end. I asked for a letter stating the matter had been reversed with the Credit Bureau but they would n't give me one.

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 EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Payday loan () with ACE CASH EXPRESS, INC. (VA).
Issue: Can't contact lender

Complaint: I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.

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 03-06-2018 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.

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 04/23/2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay. 

The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday. 

I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed. 

I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau. 

I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: DITECH is keeping me from paying down my mortgage. I send extra money to my mortgage processor Ditech. It was XXXX. I 'm trying to pay off early. I 've been doing this for years without issue. My payment is {$540.00}. {$210.00} principle, {$220.00} interest, {$100.00} escrow. I sent {$3000.00} on XXXX/XXXX/16. They did not apply the extra to principle but charged {$670.00} interest, {$320.00} escrow. I called to have this corrected. Then on XXXX/XXXX/16 they backed out {$1500.00} including {$830.00} principle. Basically increasing my mortgage instead of reducing it. I called again on XXXX/XXXX/16 and they told me they put some funds from my last payment into an un-allocated account without telling me. My check specifically state to apply overpayments to principle. Do n't they have to apply it and not sit on my payments for 40 days now. This ca n't be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I notified Capital One Credit Card that my card information had been stolen and to close account, issue a new card, and to stop all automatic payments the person had put on card without my authorization. Captital One ignored my request andcontinued the unauthorized automatic payemnts to several companies ... running my bill up to approximately {$2800.00}. I believe I owe them approximately {$1500.00} and have offered to pay that month with {$100.00} installments for 15 months. They have refused my offer and have now involved an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened up a  Chase Sapphire Preferred credit c ard about just over a year ago. The card has an annual fee of {$95.00}, but it is waived for the first year. My plan was to use the card and see if I like it, if I did n't, then I would cancel or convert it to a card that did not have a fee.     After a few months of using, I determined that the benefits did not warrant the {$95.00} fee. As such, I contacted chase ( either by phone, secured message or chat ) and asked to convert my card to a non-annual fee and I stopped using the card altogether. In  XXXX     2017, my  card was charged the fee. Since I did not use the card and expected a {$0.00} balance, I did not realize until  XXXX     2017 tha t I had been assessed the fee, a late charge, and interest on the balance.     When I finally realized what had happened, I contacted Chase and they conveniently have no record of my request. My daughter had a similar incident with Chase when she applied for a credit card where they agreed to approve the card and subsequently never received the credit card. Eventually, she was informed that they misplaced the paperwork.     I believe this is similar case. Why would I pay for an annual fee when I do n't even use the card.     In any case, I contacted chase and they refused the refund the fee and interest. I have now since paid my account current and have a balance of roughly {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Community Health Investment Company, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: rude, evasive, wo n't say who they are or why they are calling. 
calling me at work XXXX times a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I Requested from the credit bureau experian on three different occasions, by certified mail and the first time through the online dispute process about incorrect information on my credit file report # XXXX and Acct # XXXX.

The first time i contacted them was on XX/XX/XXXX via online dispute i informed them about inaccuracies listed for a public record of a bankruptcy that is being reported on my credit file.I also let them know that I was requesting to verify the method of verification used by your agency to list this information on my credit file. According to the bankruptcy court they do not verify bankruptcies with the credit Bureaus.i requested they provide me with the following : 1. The courthouse name ; 2. The name of the person who verified the bankruptcy ; 3. The court address ; 4. The court telephone number ; and 5. The documentation used to verify the dispute.

I Also let them know i am aware that According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available And Furthermore, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ) In Response to this they never supplied me with any of the documentation i requested, i mailed two certified mailings to them in response the all 3 of the same responses i was given by them, one was mailed on XXXX/XXXX/XXXX and the third correspondence was mailed on XXXX/XXXX/XXXX, they have only said the information was updated and it still remains on my report without providing any proof of this from the bankruptcy court not a third party. they have failed 3 times to provide any of the information i requested so i requested that they Delete this from my credit history but with no success or proper response.

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 03/22/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.

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