milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Debt collection (I do not know) with Lionstone Holdings Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: THE CALLED ME AT WORK, MY CELL PHONE AND WIFE PHONE THEY CALLED WITH NO CALLER ID ON ALL PHONES THEN LEFT A MESSAGE TO CALL ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.

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 12-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This complaint is in regards to the Enforcement Action taken by the CFPB against XXXX and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. 

Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed XXXX judgments against my mother. Copies of these judgments can be provided if needed. 

Paragraph XXXX under XXXX XXXX of the Consent Order XXXX XXXX XXXX. XXXX ) signed on XX/XX/XXXX, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately {$3400000.00}, Respondent must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Time-Barred Debt Collection Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period in Time-Barred Debt Collection Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt. 
- '' Relevant Time Period '' means the period from XX/XX/XXXX to the Effective Date. 
- '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns. 
- '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (PA).
Issue: Trouble during payment process

Complaint: I purchased the property at  XXXX   XXXX   XXXX  in  XXXX , PA on   XXXX   XXXX   XXXX   XXXX   .   When I purchased the home the taxes were assessed on the value of  XXXX . I knew that was an unfair amount as property values declined significantly in the area. The previous owner assured me she had disputed this information and that I should see a reduction in  XXXX  of that yr.   I checked  the County websit e and did see that the value was reduced to  XXXX  dollar effective  XXXX   XXXX . I immediately called the lender to advise them of this information and inquire about a reduction in my mtg since this will affect my escrow.   The first lady I spoke with told me there will be another analysis in  XXXX . So, I called in  XXXX  to follow up. I spoke with a gentleman named  XXXX . He told me the analysis was opened and then, closed and no modifications were noted. He agreed this was absurd and he reopened the analysis.    XXXX   XXXX , I called to follow up and spoke to  XXXX . She also told me no modifications had been noted and she was going to look into it. She called me back to say they were working on the analysis but they never received a tax bill from m e. 1 ) I sent the most current tax bill 2 )   XXXX  told me they can acces s the County website an d he did that and attached a comment to Escrow dept so again, I am not so sure this is the hold up.   I have attempted to solve this issue myself by calling CS @  XXXX   XXXX   XXXX   XXXX  and I get the same run around. I should have received a refund check and my mtg should have gone down by now. I am asking for you assistance with this matter and to investigate any fraudulent activity on the lender 's part.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX  Borrower

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Liberty Holdings, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX  Promotional Inquiry XX/XX/2017 XXXX XXXX   Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX Promotional Inquiry XX/XX/2017 XXXX XXXX XXXX   Promotional Inquiry I did NOT inquire about any of this!

Company response to consumer: Untimely response
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX CREDIT cards and XXXX XXXX CAR LOAN Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX and they were aware. 


Account Number : XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was on chat and the representative agreed to delete my late payments per me being laid off during the times and my husband death. 

Car Loan : ACCOUNT NUMBER XXXX I was on chat and the representative agreed to delete my late payments per me being laid off during the times of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Can you please contact all 3 credit bureaus to have this removed and a new report sent to me. 

Also on all three credit bureaus XXXX and XXXX reported me late on XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX but my loans were in deferment and forbearance they lost paperwork and per them failing to update previous info., they are in violation of Section 623 ( a ) 2 ) of the FCRA . I have contacted them on 4 seperate occasions. I would like those late deleted. 

Also, I would like the original signed copy of every loan that is on my report if this can not be provided, remove all of all credit reports. 

Thus I am filing this with every credit bureau and need you assistance because the credit bureaus have ignored my request on 4 occasions and have failed to supply requested documents or verify within the 30 days time frame. 



Thank You

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 10-04-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company drafted an unauthorized payment from me on XXXX. I 've been in contact with them multiple times to get the payment refunded to me and they are completely unresponsive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. 

I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. 

After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. 

I do not owe this debt and need this taken care of. This company is unethical and should be shut down. 

I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared XXXX 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 monetary relief
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: COLLECTOR FAILED TO VALIDATE IN A TIMELY MATTER, IGNORED CEASE AND DESIST DEALING WITH ORIGINAL CREDITOR, THIS IS CREDIT REPORTING FRAUD. 

MIDLAND IS IN VIOLATION OF THE DODD-FRANK ACT FDCPA FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XX/XX/XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from XXXX either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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 12/31/2015 about Debt collection (I do not know) with Midwest Recovery Systems (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Unexpected or other fees

Complaint: I have been regularly buying cryptocurrency with my credit card on coinbase.com, and it has been labeled as a credit card transaction and going through as such. Unexpectedly and without any notice, it began showing up as a cash advance, hitting me with huge fees from my bank ( XXXX XXXX ). Coinbase sent out an email days after the change, only because there has been significant backlash. They still are not changing to have these purchases coded as regular purchases ( since cryptocurrency is considered property by the government ). Coinbase denies it is their fault and blames the bank, and XXXX XXXX blames Coinbase and refuses to refund any fees/interest/hit on my credit card score. Millions of everyday customers are getting ripped off by a change made that was unnanounced, and we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Security Credit Services, LLC (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just received notification of a collection on my credit bureau for a company I have never heard of. It says original creditor is XXXX XXXX and the collection agency is SECURITY CREDIT SERVICES. I XXXX  XXXX XXXX and it is some type of leasing company. I have never leased anything in my life. I want this investigated immediately. I want to know where this originated, what identity documentation was used. I 'm very concerned that my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Back in 2016 my Bank of America account had fraud activities on the account in which the bank closed the account out. My debit card was stolen and an individual took it upon themselves to tamper with the account after the card was found. I did not file a police report but I did notify the bank of the activities that took place on the account and made sure it was closed out and nothing was held against me for the account. I was able to verify the last time I used the account and how much my last transaction on the account before this took place.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Deposits and withdrawals

Complaint: Chase cleared a fraudlent check. They did not even check to make sure the cashier 's check was legit until several days later after I had already spent the money. The funds were made available before they even checked. Then I called to pursue this and they told me that nothing could be done. I asked if I could speak to a manager and I was transferred to XXXX XXXX who then told me that he was making the decision not to refund my money. When I asked XXXX how I elevate my concern and appeal the decision, I was told that " We do n't have an appeals process. '' I asked if I could speak to his supervisor and he said, " There is no one available at this time. '' I asked if I could call his supervisor another time and he said no. He refused to give me a phone number.

Company response to consumer: Closed with explanation