milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Provide me with proof of precious payoff, releases and truth in lending statement or release the lien on my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Non-federal student loan) with Convergent Resources, Inc. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I paid off a collection account from XXXX XXXX XXXX. XXXX sent me a letter stating the account was paid in full and would be removed from all XXXX credit reporting agencies. 
XXXX and XXXX removed the account automatically, Equifax did not. I contacted XXXX again and they said they would request the removal again. It still was not removed so I submitted a dispute with a copy of the letter that stated it was paid in full and to remove it from my credit report. I just got back the results and they updated the account to paid but it is still on my credit report. I called XXXX and the Rep said they could not make any further changes even with the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been regularly monitoring my credit record online since XXXX. I have a schedule by which I contact XXXX of the XXXX major agencies at set points during the year. This has worked well until a year ago. In XXXX XXXX, XXXX refused me online access for the first time. I went through the rigmarole of requesting the report by mail. Then in XXXX XXXX XXXX refused me online access. Again, I sent in the requested info by mail - but also contacted the Iowa Attorney General, which assisted me. Eventually I received a paper report. Now today ( XXXX ) I was refused online access to my record with Equifax. I 'm tired of this. The online process is already unnecessarily complex ( which is probably why my access is denied - they ask these confirming questions about credit history, but my credit history is complicated - that 's partly why I monitor it regularly - and the questions are too simple to know with certainty which mortgage they might be inquiring about, and I presume if I guess the wrong one, they shut me out. ). And once they 've denied a request, doing it by mail is absurdly complicated and time consuming. In any case, I DO want to monitor my credit record, but there 's got to be a less cumbersome process. I 'm left with the distinct impression that for some reason they want to make this so complicated so I 'll give up. I 'm irritated and frustrated. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (AL).
Issue: Charged fees or interest you didn't expect

Complaint: I 've been usin  g PayPal for over 10 years so I decided to try giving their credit card after getting a promotion for six months no interest.
I set up auto payments thinking it would automatically pay the account off when it became due, but it did not. So, I was charged almost {$200.00} in interest fees, and although I paid off the balance when I saw what had happened just one day later, they would still not waive this interest fee.
Any other credit card company would have waived this fee, but PayPal is sticking to their dishonest business practice of not notifying you that the auto payment will not pay off the balance, and they will not waive the interest fee even though you paid the balance off immediately after becoming aware. They also DO NOT CARE how long you have been using PayPal.
Needless to say, do not sign up for their credit card, even from   a promotion. IT IS A SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Performant Financial Corporation (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Perfomant Recovery  calls my work everyday after several coworkers and my boss told them they ca n't give out personal information or take personal calls at work. My supervisor has told them repeatedly not to call back. The number they 're calling from is  XXXX .

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 08-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have asked XXXX XXXX on multiple occasions to stop calling my work cell phone. I get repeated calls from different numbers all over the United States and every time it is XX/XX/XXXX. Instead of stating who they are and they ask is this My name and put me on hold then attempt to coerce me into paying on the spot. I have tons of customers calling me on my cell phone as I am a XXXX XXXX yet half the time I answer it is Midland. This morning XX/XX/XXXX they called at XXXX XXXX as well as yesterday at XXXX XXXX. I have been working nights to help cover for XXXX at work. They woke me up this morning as soon as I went to sleep. This is repetitive and abusive and I believe falls against debtors protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Problems when you are unable to pay

Complaint: I did n't see my first complaint about Cash Central but I do remember in there response they they stated they would no longer interrupt me jeopardizing my work status. They continue to call and today alone there were XXXX calls ( phone records will show ) that went to the front office. This is an annoyance and goes against regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Fraud or scam

Complaint: i bought a puppy from an online site XXXX last night and the whole thing was a scam. We agreed on {$270.00} for the dog and the seller said he would pay all traveling expenses including flight ticket and delivery agency. At first he said i would pay the agency in person with cash when the puppy was delivered to my apartment but then a few hours later he requested that i pay using money order. After i sent the money order of {$270.00} a got a confirmation email saying they had received the money and the puppy was on the way. Within the next few hours i got another email saying the flight was delayed and would n't arrive until this morning at XXXX The owner said he would pay me {$30.00} because of the delay. This morning i got an email requesting that i pay an additional {$500.00} for insurance of the puppy 's delivery. The owner insisted i pay this or the puppy would n't be delivered. I replied with " I 'm not paying anymore money until i can see the puppy with my own eyes. He got very frustrated and began threatening me by saying he is going to press charges against me for animal cruelty. i told him how could i have done that when i have n't even seen the puppy? After all of this was over I realized it was a complete scam and they had taken my money. I have emails and texts from the seller and from the delivery agency to prove my case. I just want my money back. That 's it!

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled my own credit report and observed a discrepancy. I noticed a company ( XXXX ) is stating that I owe them {$89.00}. I attempted to contact the company but was unable to speak to a representative. I have do n't know how this company received my information or why they are claiming I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Private student loan) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: AMERICAN EDUCATION SERVICES - STUDENT LOAN I have been paying off this loan since my graduation in XX/XX/XXXX. I was unknowingly and unwillingly automatically enrolled in a " Pay Ahead Status '' with American Education Services.
<P/>I also willingly enrolled in their auto-pay program and have been paying my monthly payment without logging in or checking my account for years. <P/>After a letter notification in the mail that I was 19 days past due on my loan, I learned that I had not, in fact, enrolled in auto-pay for each individual loan through AES that makes up my total, but only for one of the loans that makes up my total. <P/>So how have I been paying those other loans on time until now? Forced, unknowing enrollment in the Pay Ahead Status program where all of my past large payments have been " banked '' instead of applied to my principal. <P/>I submitted several payments over the course of 7 years in various amounts over my monthly minimum ( {$37.00} ) such as {$100.00}, {$300.00}, {$500.00}, etc. I submitted larger payments whenever I was financially able to do so. <P/>I have just been notified today that those large payments have been " banked '' and then applied to my monthly payments each month ( less than 50 % of my monthly payment towards principal each month ), allowing AES to charge interest on the same large principal balance rather than me paying off my principal, even though I was up-to-date with all of my interest payments! <P/>I am not able to find any information in my online account regarding this program and was not able to find any information on how to DISENROLL from the program. After several phone calls and complaints to the company, I was finally notified today, XX/XX/XXXX of my unwilling enrollment in their Pay Ahead Status program. <P/>I am required to WRITE A LETTER to disenroll from the program and have my large payments applied to my principal. It is my money and my payments and I should be allowed to apply them however I would like to without the disguise I experienced with AES. <P/>I am educated on loans and spend A LOT of time investigating before I was able to get an answer on what the program is, how it affects my payments, and how to disenroll.
<P/>
AES must be required to provide more clear communication to their customers about their forced Pay Ahead Status enrollment and how to disenroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with UMB BANK, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Hello, I have an HSA account with UMB and they refuse to give me my account number. 

I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH. 

Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly! 

How is this legal!?!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Synovus Bank (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to at least XXXX hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/XXXX or XX/XX/XXXX, and they completed the request on XX/XX/2017. The request that I submitted included at least XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2-3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. When I received these letters from Equifax, my name was spelled incorrectly on multiple letters. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Capital One filed a dispute to each major credit bureau without my permission. I contacted them to inquire about a " goodwill removal '' of late payments incurred on my credit card during a time I was unemployed. I specifically stated I was not disputing the late remarks on my account and was asking only for compassion, being that I have been a customer for XXXX years. I clearly stated during the call that I did not want them to file a formal dispute with each credit bureau. The representative told me he understood my request and informed me that an " internal request '' would be made for goodwill removal of the late payments. Today, I contacted Capital One to ensure a dispute had not been filed, and in fact it has been. I was then informed by a supervisor that Capital One does not grant goodwill removal of late payments, however when I directly asked the original representative this question, he led me to believe Capital One would handle such requests on a case by case basis. Today I 've asked Capital One to correct this mistake and they state they must make a request to an internal credit department and that their mistake " might be '' corrected. Further, I 've asked Capital One for the transcript of my telephone call yesterday as proof of my original request. They have refused to provide it to me. It is easy to find other cases exactly like this with a simple internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with FINEX Group LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX/XXXX/XXXX I received an attempt to collect a Debt in the amount of {$1500.00} in Towing services from XXXX XXXX XXXX for a Vehicle that I sold XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was assured on monday by jp morgan chase office and spoke to XXXX at XXXX XXXX that cfpb bureaus case XXXX was not closed and were associated with the wrong reference number. He stated the letter i received XXXX XXXX, XXXX was accurate and that XXXX were working on it and will provide answer by XXXX XXXX. I said that XXXX has been working on this since XXXX and are just spinning my wheels and not interested in resolving the complaint. I have the discharge of mortgage but need the backyard fence, the deck, the swimming pool and Jacuzzi replaced which the mortgage fraud scam artist XXXX XXXX whom are still in the property have destroyed in the name of chase and jp morgan. When my loan was not in foreclosure and XXXX XXXX marked paid and closed. 

As I 've told her I would be satisfied with XXXX to replace this and to make me whole again by chase and jp morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Mortgage is due on the first of the month and has an late date of XXXX of the month. Bank Chase Mortgage will start calling after the XXXX of the month and sometimes up to 3 times daily. My mortgage is current and never late but it 's annoying when a bank like Chase is allowed to call and ask where your payment is when it 's not even late yet.

Company response to consumer: Closed with explanation