milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (DE).
Issue: Struggling to pay your loan

Complaint: I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (I do not know) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to 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 07/28/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS

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 09/24/2016 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have defaulted on my student loan and fully accept that portion of my actions. My complaint, however, centers on the collection agency assigned to my debt : National Recoveries. I have contacted them by phone and letter ; their phone number is a single line that leads to a voicemail to which they have failed to either ( 1 ) answer at any given attempt of my 23 attempts and ( 2 ) have failed to contact me during times I have stated I would be open and available to talking to them about my debt issue. They have only provided one manner in which to contact them and have contacted me once according to my phone records which was not a stated time as I was at work which was XXXX. They 're failure to provide a dialogue of any sorts not only has resulted in higher accrued interest but also my inability to settle a debt or make voluntary payment arrangements with them as they fail or simply do not wish to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: My husband surrendered a vehicle that we jointly owned in his chapter XXXX bankruptcy. Before his confirmation, I contacted Chrysler Capital to see if they could put me on a program to pay back the arrears while I continue making payments on the car. The customer service representative said that the trustee in my husband 's bankruptcy case has not released the vehicle from the bankruptcy yet. I waited another week until I called again, this time I was sent to the bankruptcy department. The bankruptcy department immediately told me that I had to give them {$10000.00} in order to keep the car. I told them the vehicle has XXXX miles on it and could they work with me ; they told me no. A week later, I get a letter in the mail stating that I had better give them {$38000.00} by XXXX/XXXX/2016 or they will repossess the car. I do n't think that it is fair that they treat me this way, especially when I am trying to keep the only vehicle I have and protect my credit. 

Can you help me please?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Checking or savings account (Other banking product or service) with Coinbase, Inc. (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: 1 week ago I was locked out of my COINBASE account that is holding {$4000.00} of my money and I have emailed 6 times left 5 messages and tweeted to their support. I 've gotten no responses at all and have found numerous others dealing with the same problems. There is no support and out money is being literally stolen in front of us. This is fraud beyond fraud and some have been waiting months to get into the a account. Also, to email support, you have to sign into the account which you ca n't when locked out. The support number only tells you to email which the posted they do not respond to. This business should not even be running. It 's a XXXX XXXX based company doing this!! I want resolution asap!!!
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.

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 04/30/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX   XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I have disputed these items by letters with all three credit bureaus.

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 08/21/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX XXXX stating that my debts with Navient Private Education Loan are now settled. When I paid these balances with XXXX XXXX XXXX XXXX XXXX, Navient would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XXXX and for XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my mortgage to Bayview Loan Servicing, located at XXXX. XXXX, FL XXXX, over one year ago. I have owned my home since XX/XX/XXXX and have never been late on a mortgage payment. Since Bayview Loan Servicing took over my mortgage and my escrow account, they have not paid my School or County/Town taxes on time and I receive late notices for the taxes that include penalties and interest. Long story short for the past year I have spent hours on the phone with this company trying to get this straightened out. In fact It all began with them having my last name wrong on the account. I was remarried in XX/XX/XXXX and XXXX had all of this correct after all of the proper documentation was sent to them. I finally got this straightened out with Bayview after numerous telephone calls and time taken away from my job to have this corrected however they still are not paying my property taxes on time. After many telephone calls, I went to my mom who works for the Town of XXXX. and she brought me to the XXXX to investigate. I then contacted Bayview again a number of times to advise that XXXX which is a third party that Bayview uses to pay the property taxes advised us that Bayview Loan Servicing inactivated my account on XX/XX/XXXX and they do n't know why so Bayview needed to take care of the matter and get the taxes paid. Bayview on my last conversation advised me again that the taxes are being researched and we should know something around XX/XX/XXXX. This I was told after discussing with them that the Warrant date for my property taxes to be paid is XX/XX/XXXX and this is going to create more penalties and interest not to mention this begins the vicious cycle again and does not correct the matter. I am at my wits end and this has caused my a tremendous amount of XXXX and is causing me problems at my job not to mention on my health. My next step is to contact a Lawyer but I do not have the money to do this as my husband is ill at this time and has not returned to work not to mention that I have no more time available to deal with this incompetency I other more important matters to address to with an ill husband, my job and children. I have asked my mom to step into help and I feel bad about this because she has a stressful enough job. She is going to sending another letter to Bayview to request that they release my escrow to my so that I can pay my own taxes. I can ' t take this anymore. I have had a few representative at Bayview including Supervisors that have tried to help and were professional however I have also had some that were rude, put me on hold and never came back, disconnected me and I even had a man swear at me and hang up. I ca n't deal with any more of this. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Capital Enterprises, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Nelnet has consistently been a problem. Nelnet   XXXX    XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!! 

Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification

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