milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Debt collection (Payday loan) with Weinman Acquisition Group (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2012 I submitted my personal information to a website that I unfortunately do not remember. This so called company I guess was not a direct lender but a solicitor and passed my info to XXXX " lenders ''. At the time I wanted to get a small loan. $ XXXX-XXXX. I made the mistake of providing my banking information. The company that is now trying to collect for XXXX XXXX ( Weinman Acquisition Group who has a P.O. box and no brick and mortar address ) says that they purchased my account from XXXX and that I got a loan from them. I asked when this was, how much was the original loan and if they could show me documentation which states I accepted the loan. The initial company who tried this XX/XX/2012 was not XXXX. I asked them to provide me with the same proof and documents and I never heard from them again. The XXXX XXXX provided me with a document they drafted with a dollar figure that they want me to pay. I still do n't know the original loan amount and must now go to XXXX XXXX and ask for transactions for XX/XX/XXXX and XX/XX/2012. XXXX XXXX stated that the transaction took place XX/XX/2012 but did not provide that info with their letter. I will attach a copy if your site allows. The amount the are asking me to agree to is {$750.00}, they say it was reduce from {$1100.00} and will go to over {$3000.00} if they file paperwork with XXXX County Nevada for fraud. The person I spoke with is XXXX XXXX. Says he is a mediator and wants to help and says he is offering this to keep his layers from filing the paperwork in XXXX County Nevada. Not clear if he works for XXXX or Weinman, but was clear on how much money he wants me to pay. 

I do n't remember receiving any money at all! and certainly not {$3000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them

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 12-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Original debt was closed and processed by original creditor and then midland funding purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. Midland also hasnt tried to reach me before going to court and filling a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX University, XXXX, PAMy monthly payment is too much for me to afford. I do n't have anymore forbearance or deferment time left. i am going back to school in XXXX but i only have 8 months of in school deferment left. Navient has suggested that i lean on my co-signer, who cant afford to help these days, as well as go into default on my mortgage to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (VA).
Issue: Incorrect/missing disclosures or info

Complaint: On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy

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 10/24/2015 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Our PMI dropped off of our mortgage payment changing the amount owed for XXXX 2015. I was waiting for our payment coupon book to be sent to make the payment. This is how I have always paid our mortgage for the two plus years we have been with Provident Funding. When I did n't receive the coupon book I call Provident Funding on XX/XX/XXXX, to ask what was happening. The customer service rep. informed me that the new book was ordered XXXX XXXX and I should receive it in the mail by the end of the week. That was all he told me. I finally received the coupon book XX/XX/XXXX ( Sat. ). I mailed the payment in on XX/XX/XXXX ( Tues ), due to the XXXX XXXX on Monday. I knew the grace period was up on Friday XX/XX/XXXX, but I hoped the check would make it in time and since they had sent the coupon book late I felt reassured that they would n't charge me a late fee, since the delay was caused by Provident Funding not issuing my new payment book in time. Provident Funding did not receive the check by XX/XX/XXXX ( they cashed it on XX/XX/XXXX ) and have since charged me a late fee. I called several times to explain that it was n't my fault it was late, but they refuse to wave the late fee and say I should have paid online. I explained that I was never advised to do that. I always pay with the monthly coupon book. I was treated poorly by all the costumer service reps. One supervisor even suggested I was lying about calling on XXXX, even though I called from my cell phone at XXXX XXXX ( EST ) and have a record of that and provided them with that information. They say they ca n't locate that call. They told me they could n't wave the fee, then admitted they could. When I asked under what circumstances would they wave the fee, they replied " When Provident Funding is found to be at fault. '' I pointed out that they were at fault when they ordered me my payment book the day after my payment was due. They were forcing me to pay late. I got no where with them and am complaining because of the terrible way I was treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: This is additonal continuation of my current CFPB complaint ( XXXX ) On my current complaint, nationstar did not make my HOI payment despite my escrowing payment with them and no change to my HOI. Since that time, I requested they stop escrowing for my HOI and only escrow taxes. They made me submitt written conformation wich I did do. They called me on XXXX to confirm the did receive the request to escrow only taxes and had processed the request. 

Today I received my XXXX statment and they are still collecting for escrow of HOI. I have also been advised by my HOI company that I have been assesed a {$50.00} penalty for the lapse in HOU coverage stemming from Nationstar 's neglegence and not paying my HOI until I notified them it had not been paid. Their contiuing to bill me for escrow of HOI despite my written request they stop escrow of HOI is hurting my financially as they continue to demand that money every month eventhough I dont want it escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt of {$190.00} on XXXX XXXX, 2016 to XXXX. I repeatedly get letters from Transword systems inc. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have constantly disputed this item with all XXXX bureuas and XXXX have deleted this item from my report except Experian!!

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 02-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am a victim of identity theft. I have send letter to Credit Bureaus for blocking Fraud information, but they did n't send me proper notice for that investigation.

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 06-07-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I  spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXX2017 i had requested my credit report from XXXX  and Equifax along with XXXX to see what is on my report. I see unauthorized inquiry i never requested and one is using the same id # under different companies. The company name Equifax Mortgage Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX tele:XXXX they are sharing the same ID # with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX tele XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX tele XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, XXXX, Transunion.
Here is the list of Hard Inquiries 1.XXXX .datedXX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/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 02-12-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Medical debt) with PMAB,LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown medical I have disputed with no validation being received. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i have not been able to get the free annual credit report fromEquifax and have not been able to contact them via phonebecause the number they list on their website connects toXXXX conferencing. I have a freeze on my account butwhen you attempt to submit an online request for thereport there is no place to insert the pin # thereby initiating anautomatic request to fill out and send in a hard copy form whichcontains personal information which I do n't want to disclose in thismanner for obvious reasons. Additionally, the automated phonesystem has no option to connect you with a customer service rep. 
I have not received the free annual report since 2013. I obtainedtheir actual phone number from the consumer action handbooknot their website as would be expected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with KEYCORP (NH).
Issue: Shopping for a loan or lease

Complaint: I am trying to refinance with another bank ... they need a pay off and a copy front and back of the vehicle I am financing but keybank will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 recently submitted a complaint about transunion. They said they will send another dispute however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them. I recorded a conversation with XXXX XXXX with her knowledge and she admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them.

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 05/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage payments. Try calling Wells Fargo before. About the programs they mail me stating what they can offer. Here is the following, Reistatement Repayment plan Forbearance plan Loan Modification Each program I was told I am not eligible, without explanation. See I try to work with them to prevent me from going into forclosure. However, Wells Fargo refuse to help me and is only giving me to XXXX XXXX to pay or they are going to foreclose on me. I am facing hardship and requesting 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