milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to XXXX computers from XX/XX/XXXX which I do n't own and that I was contacted in XX/XX/XXXX and refused to pay. I immediately XXXX the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around {$4000.00} from some company that never contacted me prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problem when making payments

Complaint: I cancelled an automatic payment with this company only to receive notification after XXXX when my bank closed they were reinstating the automatic draft without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed Same collection Account/ Amount from creditor with a diffrent collection agency ( XXXX ) already.

All major credit bureaus removed derogatory mark from my credit report a year ago.

Now new collection agency attempt to collect asking to settle and harassing me.

Why is it possible for the creditor to continuously send my information to other collection agency if account has been previously disputed/closed and they have full acknowledgement of that?? Who is responsible and how is this fair to the consumer ( 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 10-05-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX did not take a payment due to their " computer glitch '' XXXX their words not mine ) and then they reported me as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for an assumption through Bank of America ( BofA ), to remove a former spouse from my existing BofA mortgage. I completed the necessary paperwork to complete the assumption ; received a notification from BofA to submit an additional signed document ; sent it back to BofA through UPS tracking ( both times ) ; and waited for feedback from them regarding next steps. Within two weeks, I received a phone call from XXXX on XXXX XXXX at XXXX from a woman in their XXXX branch who notified me that BofA did n't have plans to move forward with my assumption because they were about to sell my mortgage to another lender. I asked the woman whether BofA would still move forward with terminating my application if I refinanced my mortgage with BofA instead of filing an assumption. She said, it would n't make a difference. I 'm certain that was a lie, because the very next day I received a package from BofA ( which was obviously already in the works ) updating me on the status of my assumption process ; which tells me, the company was moving forward with the application until an unethical employee contacted me from XXXX and tried to talk me out of the assumption. I completed the additional paperwork that was requested by BofA and mailed the paperwork the next day. However, on Fri., XX/XX/XXXX, my former spouse contacted me to tell me he 'd contacted BofA and they claimed that I had terminated my assumption application, which was not true. The woman who called me from XXXX did not present the decision to discontinue my assumption application as a choice. Instead, she stated it as a fact and as an update by her on the company 's behalf. Now, after contacting XXXXXXXXXXXX who notified my ex-husband that the process had been terminated and whom I made aware of the mystery call from XXXX, she wo n't acknowledge my emails and has made no attempt to investigate what happened to my assumption application. I will submit this same request with the Better Business Bureau as well. 

I believe that, had I refinanced with Bank of America, they would have made no attempt to cancel my assumption application. But, because my mortgage is an FHA loan that they 're not able to profit from, a representative of BofA terminated my assumption application on the basis of discrimination. 

Please feel free to contact me by email or phone. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Payoff process

Complaint: Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: COMPLAINT : 1. I DO NOT UNDERSTAND WHAT CHASE BANK IS NOW DOING WITH MY CREDIT CARD A : WHAT LAW ALLOWS CHASE TO INCREASE MY CREDIT CARD RATE TO 25.24 %. THIS IS ABUSIVE AND USURY. 
B ; HOW CAN CHASE AND ALL BANKS GET MONEY FROM WE THE PEOPLE AT 1 % OR LESS AND THEN CHARGE OVER XXXX XXXX IN XXXX, XXXX XXXX IN XXXX XXXX 25.24 %. THIS IS USURY. MY RATE SHOULD BE XXXX OR LOWER AS MY OTHER CARDS C : AS YOU KNOW, THE SECRET TO USING ANY BANKS MONEY IS NOT TO HAVE A BALANCE. FOR OVER 2 YEARS, I HAVE HAD NO BALANCE AND CHASE IS GETTING NOTHING FOR ME. 
D ; MY CONCERN IS THE MILLIONS OF ELDERLY IN XXXX XXXX COUNTY WHO ARE BEING ABUSED BY THE BANKING SYSTEM. 
PLEASE ADVISE MY RIGHTS? 
CHASE IS TELLING ME. 
XXXX XXXX, YOU HAVE NO CONSUMER BILL OF RIGHTS. 
NO ONE CAN REGULATE XXXX AND WE CAN CHARGE WHATEVER WE WANT

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I'm trying to refinance the new auto loan I had through Ally Financial, Inc. with a new lender. Ally reportedly received my check for the payoff on XX/XX/2018. Payments to Ally by mail take 3-5 business days to process, but on the 6th business day it had not posted, which made my account go 30 days past due, which was immediately reported to the credit bureau. Next, on XX/XX/XXXX Ally informed me that the payoff amount was short because ( due to them delaying it ) I owed {$300.00} more in finance charges than the loan is for, and they wouldn't process the check until I made a payment of {$300.00} to cover that gap. I made that payment electronically the same day, and it is the now XX/XX/XXXX. The payoff has still not posted ; I'm chatting with their customer service as I'm writing this complaint, and Ally is saying they " may '' have rejected the check and mailed it back to me ( I've been waiting for over an hour while they try to find out for sure ). If they really have mailed the check back to me, my new lender would have to cancel their loan and I would have to reapply if I still want to refinance -- but because I now have that 30 day late payment on my credit report ( which would've been avoided had they processed the check during the time frame they said they would ), my credit has likely been so adversely impacted that I can no longer get the same interest rate I was promised before. Even if the check HASN'T been mailed and they DO end up processing it, this late payment will likely hurt my chances of being approved for a home loan now, like I am planning to do soon. It seems as though Ally keeps intentionally delaying the payoff so they can make a last-ditch effort to keep charging me as much interest as they can before I refinance, which I feel may even be illegal.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Accounts are more than 10 years old but still on my credit report.

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 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: all fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX as well they do n't list that i only now have XXXX XXXX account and the credit limit is XXXX i have told these people and told these people about my ex wife becoming upset over child support issues and trying to ruin my credit and they fail to do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Application, originator, mortgage broker

Complaint: My complaint is against the Service Debt Collector - Seterus Inc. Seterus has been servicing my loan for more than 10 years at 6.125 %. This property is located at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX, is no longer my primary residence. My family and I have moved out of state and the property is now deemed income property and is occupied by a tenant. In early XXXX of this year I entered into discussions with a mortgage lender regarding HARP refinancing for this property. However, I was informed that prior to proceeding with the refinancing process ( which I pre-qualified for ) XXXX records related to my Private Mortgage Insurance ( PMI ) status needs to be updated. After contacting XXXX, I was informed that Seterus Inc. has to submit this request - ca n't not be requested by the loan recipient. Subsequently, I XXXX contacted Seterus Inc. on XXXX XXXX, 2015 ( see the attached complaint letter ) with no success. Seterus ' representatives have failed to return multiple calls or offer any explanation to the status of my request. I have not been required to pay PMI for years ( see the attached IRS Form 1098 ). I strongly feel that Seterus is deliberately ignoring my request due to the fact that the loan will be transferred to another lender. If my assumption is correct, worst case their practice is unethical ( if not illegal ) and consumer infringement. Best case, they have an extremely poor infrastructure upon which to address customers ' needs. After conducting further research, I was not overly surprised to find out that Seterus has been cited in a number of consumer complaints. I would greatly appreciate your assistance with getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed many times inquires on transunion, XXXX and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I filed a charge dispute with my credit card issuer, Chase Bank regarding a charge made on XX/XX/XXXX with XXXX XXXX XXXX, under chargeback reason code 30. ( Failure of XXXX XXXX XXXX to provide service as stated in their service contract to me. 

I received acknowledgement of my dispute from Chase shortly thereafter, however on XX/XX/XXXX, I was advised by Chase that the dispute was closed due to no response from me to phone calls or letters mailed to me. I advised the Chase CSA 'XXXX '' that I never received no phone calls or correspondence from Chase through the pending dispute. XXXX advised me to resubmit the complaint requesting the dispute be opened. 

On XX/XX/XXXX, I resubmitted the dispute to Chase. 

Today, XX/XX/XXXX, I telephoned Chase for a update, since I never received any correspondence or update regarding the re-opening of this dispute. 

The Chase CSA ' XXXX ' advised that Chase did receive the dispute and it has been assigned and they are waiting for a response from the merchant. 

I asked if they ever received a response from the merchant since I initially opened the dispute on XX/XX/XXXX. He could not provide an answer. I asked XXXX, why Chase is not acknowledging my complaint received as required by law. he could not give me an answer. I asked XXXX if they have record of the aledgedly phone calls or letters mailed to me prior to Chase closing the dispute. He could not provide an answer. 

I believe Chase is not servicing this dispute in the time constraints required by credit protection law and request an intervention by the CFPB in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with VELO LAW OFFICE (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Vello Law O ffices are suing me for a   XXXX   Bill fro m 2011. I  do not have my receipts from that far back. So I disputed this debt, unti l Vello Law  could send me proper billings from this  XXXX   XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info.  Vello Law  stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS  XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law  will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named  XXXX  who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have credit monitoring and noticed a " collection '' noted with TransUnion. The information is as follows : XXXX account reported on XX/XX/XXXXXXXX account reported on XX/XX/XXXX ClosedAccount # 1 $ XXXXBalanceXXXX XXXX2 XXXX XXXXOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXXOpened DateXX/XX/XXXXLast ReportedIndividualResponsibilityPaid collectionThis information is completely inaccurate. I 'm not sure what it even represents and would like it removed from my TransUnion credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from XXXX XXXX RESUGGENT CAPITAL SERVICES # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX RESUGGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX I dispute the validity of the debt purport I owe. I request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with Tormey Bewley Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was fully insured with XXXX XXXX XXXX when I received a bill from XXXX XXXX for lab work that was covered under my insurance. I have proof that I was under insurance at the time. I did not receive any mail about delinquency from this creditor, Advantage Group, who appears to have bought the debt. Now it is showing up on my credit report as unpaid and I want it removed. I did not owe this debt in the first place and I was not notified that it was in collection.

Company response to consumer: Closed