milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other transaction problem

Complaint: They said I can proceed with transaction however it happened again

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for 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 explanation
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (IA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX Mortgage is serviced by a company called PHH. They are horrible. They are impossible to get ahold of and when you finally do - they are rude and do n't listen. 
Their customer service line is only available during business hours, They hide their number on their website " XXXX '' XXXX how would you ever find this website - it has nothing about PHH on it. Also - when you call into the customer service line they do n't normally answer the phone in under 1-2 hours. They finally implemented the call back option. I tried 3 times yesterday to get a call back ( each time it was longer than 1 hour wait ) and finally got someone on the phone to find out that I had to talk to another department and they put me thru to their line, which I waited on hold another 45 mins. When I finally got thru - they said, write a letter and fax it to us. Then we 'll get back to you ... .. I 'm not looking forward to waiting to get a call back for 4 hours next week - because they wo n't respond to the fax to let me know they got it - or return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with Esser, James & Associates (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My boyfriend received a call from Esser James and Assoc. stating that they were trying to collect on a debt I owed them. He went into detail on when I last paid this supposed debt. My boyfriend got the info and called me right away. " XXXX XXXX @ XXXX ''. I called the number but XXXX XXXX was in a meeting. The guy that answered pulled up my account # XXXX. He explained how I needed to pay the debt owed and when I questioned who he was he stated " his clients would get paid regardless and I would be paying thousands in legal fees '' I stated I wanted something mailed to my address and told him I had never heard of this company and that I have my credit monitored and there is nothing on my account by this name.He laughed at me and said " lady either was you'r going to have to pay you either work with me or suffer the consequences. I told him I was n't going to be intimidated and he said if I felt I was being intimidated why do n't I hang up. So I did. This company is harassing friends and associates of mine claiming to know all these details about me and I need to know how to stop them. I did have bad debts but they 've since been paid and as I mentioned I do credit monitoring now as a result. Please advise how I can get them to stop calling me or at least prove they 're legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with DLC, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I took a personal loan with Dollar Loan Center. I knew this was going to be high interest rate. But with the way they are charging me it is obscene. I took the loan in XXXX and they want me to pay weekly but it is reported monthly on credit. If you are 12 hours late that week they call harassing me. I had my mother in hospital so they were paid 3 days late while we did not know if my mother was going to make it screaming at me on the phone telling me I had to go in the store and pay them now. I also requested to pay monthly instead of weekly and they refused. It should be monthly not weekly. They harass call family members and I have never been over 30 days late. Since paying weekly or bi weekly The loan was for XXXX To date since XXXX/XXXX/XXXX I have paid them XXXX And online it still states I owe them XXXX!!!! I pay a little extra each week and still owe them more. They do not send statements and I can not see how they are applying any of these funds. Nothing is being applied to the XXXX only interest which is still more than I borrowed after paying them XXXX This is loan sharking!! This money needs to go on some principal by this point or it will never be paid off!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with ERC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: Several years ago ( about 2004 ) my sister ( XXXX XXXX of XXXX XXXX XXXX, XXXX, New York ) asked me to assist her with getting an home equity line of credit from Wells Fargo for the amount of {$30000.00}. After saying no for months she convinced me that she was going to lose her home so I reluctantly agreed. The bank pretty much badger me to take something because I could not sign and not benefit. I decided to let them pay only my credit cards and they said that was not enough. Eventually, I decided to accept {$20000.00} which included the payments of my XXXX or XXXX credit cards for a total of {$6000.00} to {$7000.00} and the balance I would use to pay monthly towards the total of {$50000.00} if my sister ran into difficulty paying the bank. I went on vacation and on my return to the airport I got several messages on my cell phone that I should contact the bank regarding the non payment of my mortgage. At the time I was giving my sister {$400.00} per month towards the payment of the {$50000.00}. I called the bank and was told that I had a mortgage. I told them that I do not own a home and they told me that the document I signed was for a mortgage and that I am responsible to pay for my sister 's mortgage and that they wanted to collect. After trying to convince my sister to sell the home and/or get my name off of her property and let us recuperate our credit. She instead, changed her phone number and ceased all communicating with me. I tried to let my mother and siblings intervened on my behalf, but it became problematic for the family, so I took her to court. After three years of court and XXXX courts ruling in my favour in XXXX segments of the trial, via my attorney they ( her attorney, the bank and her ) asked me to stop the case so they could do a modification or re-modification of the mortgage and take my name off of the property documents and I would no longer be responsible and they would write to the credit bureau on my behalf to clear my credit. So, on the advise of my attorney, I signed the paper to allow the court to dismiss the case with prejudice. The property continued to remain on my credit report until I found out recently, while I was trying to qualify for a mortgage to get home of my own, that the modification or re-modification of the mortgage was done with my name still attached and I am still responsible for her mortgage. Now, I am having difficulty even qualifying for a simple personal loan and would like to know how did the bank, her attorney and her manage to have her mortgage modified or re-modified with my name still attached to the property without my consent or my knowledge.

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 08/30/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.

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 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX Is my dads name and So is the Tax Lien on XXXX/XXXX/2009 XXXX. Also I have never lived on at XXXX XXXX XXXX ohio XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving a bill from XXXX for {$20.00} for a subscription I allegedly pledged. This was after allegedly five previous attempts to bill me. I never subscribed to XXXX nor have I ever received a single issue of the magazine. 

The letter, allegedly from XXXX XXXX in the state of Florida, indicated that failure to pay the {$20.00} may result in referring the " debt '' to a collection agency. Two postal days later, I received a collection agency letter from North Shore Agency, operating allegedly in New York state.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello- Equifax has been provided proof that the accounts listed below are being reported in error and that their subscriber is no longer in business, or have failed to provide any proof of debt. I again ask that the information being reported be verified outside of e-OSCAR and the names and contact information be provided to me if Equifax chooses not remove the items in accordance with the FCRA 15 USC 1681 et seq. This erroneous information continues to be provided by Equifax in violation of before mentioned statute. 

ACOOUNTS BEING REPORTED IN ERROR : 1. XXXX XXXX XXXX - XXXX 2. XXXX- XXXX, Paid directly to provider, proof of payment provided 3. Item listed as " NOT REPORTED-XXXX '', Not my account, unable to verify any creditor. 



We appreciate the CFPB 's assistance in having the above erroneous items removed or updated by Equifax. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.

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 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed my FCRA rights as my accounts are reporting inaccurately. I was sent yet another inaccurate false credit report by Transunion. I called in to get information on what and how things were verified and was told they could not give me the information but are reporting information. The XXXX XXXX account has a inaccurate and incomplete pay history. It does not go in chronological order nor does it match any to the details they have listed. If the account was closed XX/XX/XXXX how can it be a maximum delinquency and 120 days late XX/XX/XXXX? I spoke with a man named XXXX XXXX XX/XX/XXXX at TRANSUNION and he said he had no access to information. Which in not ethical. I would like all of these inaccurate accounts deleted because TRANSUNION is falsely reporting information. Also the name address and phone number to these creditor are not correct or updated. I spoke to these companies and NEITHER FROM ALL THREE COULD PROVIDE ME WITH DETAILED information on these accounts said they no longer have full account details. So how can they report this false information

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 05/27/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Third party debt collector, calling for XXXX XXXX which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that XXXX purchased has been added as a derogatory debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (AR).
Issue: Problems when you are unable to pay

Complaint: I financed a car years ago from Chrysler Credit Motor, the car was repossessed and was sold for more than what I owed on the car. It shows on y credit report loan was paid off. Now years later when I filed my income taxes they are withholding my refund stating it was for payment of the sales tax that was owed on the repossessed car. I do not understand how this is possible because I would not have been able to tag and register the car if the sales tax was not paid or why it has not came up in the past years since the car was repossessed..

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with FCI Lender Services Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home

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
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.

Company response to consumer: Closed with explanation