milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with SCA Collections, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my  2nd  complaint to the CFPB concerning  SCA  collections. The company has responded and advise me that an itemized bill has been sent from the original creditor. As per the documents sent to  SCA  Collections on  X/XX/17    I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a  3rd  party agency.  SCA  has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting. I have provided the original certified document along with the 2nd document requesting  SCA  to provide a contract of medical release and medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX private loan with XXXX # XXXX accounts on my Equifax credit report that were written off and charged off and the statue of Limitation are coming up for these loans and I have requested for them to be removed however no action has been taking.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VI).
Issue: Loan servicing, payments, escrow account

Complaint: What : Wells Fargo recently changed their online interface used for reviewing mortgage statements and making payment. I had no problems before the web change. After the change on multiple occassions, WF has misapplied the mortgage payment I submitted online. 1 ) I paid the regular P & I on a fixed 30 year product, and prepaid an additional amount. My mortgage statement only counted the prepaid amount, which would have resulted in a DLQ status if I had not checked my loan balance in the following days. I had to separately resubmit the P & I payment for it to be recognized. 2 ) The following month I paid the same amount ( P & I plus prepay ). This time only the P & I was correctly processed and I had to call WF to have the additional prepay applied. 3 ) The following month issue # 2 occurred again. I confirmed I had checked the correct box online for additional prepay but the error still occurred. I submitted a complaint to WF and notified them I would submit a CFPB complaint.

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 Prepaid card (Payroll card) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Vehicle loan or lease (Loan) with Oklahoma Motor Credit Company (OK).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I recently found out that Oklahoma  Motor Company h as sued me after selling my car for far less than what I owed, the car broke down and I took it to their shop as they instructed me, after weeks of calling with no call back or answers, I assumed the car was getting fixed, I then received a letter that the car was sold for {$1000.00} dollars in auction and I owed like {$19000.00}. Then I come to find out that i was sued and then it was dismissed due to lack of service, come to find out that some scandalous process server lied and said he served me, although I was never served, judge dismissed the case and then magically as attorneys do, they got the judgement against me, which in turn will cause me to file bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (CA).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This number called me:XXXX. I was told I need to call because of a legal claim against me. Naturally, I called. XXXX XXXX representer told me I will be taken to court and I will lose my XXXX license if I do not pay. He implied that again during the conversations. Then of course, I can only think of that issue and I got my XXXX XXXX. I cried. And basically he said he will hang up and does not need to hear me cry and that I will owe more than I should if I do not resolve this issue with him now. I was told that he is recording our conversation and can be used in court. Please do. Please listen to the recording and see how he intimidates and says he needs to speak with the lawyers and that if by XX/XX/XXXX I will be again taken to court. I will be paying more than I should.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I want to freeze my account due to the breech. Experian will not let me do this. I DO NOT LIVE IN THE USA. I AM A CITIZEN LIVING ABROAD. The phone number given will not work here. I have a problem because I dont have an address there. I have sent a letter along with detailed information, as well as a check to pay for the service and I have gotten no response. I can not send proof of living in that house because I do not live there. I live in XXXX. The US address is my mailing address only for the states. If someone from this company would just contact me. Email works best. Or if I could get a phone number, non toll free, I could call. I do need to speak to someone personally. The information provided on the website wasnt good enough. I found a number and called and it was a machine asking the same questions that were asked on the web site. I filed a complaint that i can not access this company and received a message to send information that i do not have or to call a number that i can not reach. I NEED SOMEONE TO CONTACT ME VIA EMAIL. OR GIVE ME A PERSONAL PHONE NUMBER WITH A REAL AREA CODE THAT I CAN CALL. I NEED A HUMAN BEING TO INTERACT WITH. MY EMAIL ADDRESS is XXXX. Please, I AM BEGGING YOU HELP ME FREEZE MY ACCOUNT. DO NOT SEND ME THE SAME RESPONSE. I have tried every option available and non of them work. I have called the XXXX branch hoping that someone can help me find a phone number. My husband has called the XXXX branch and they just do not bother to return the call.

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 12-11-2015 about Credit card () with LTD Financial Services, LP (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: LTD Financial Services ( the same company I filed a complaint against noted in complaint number XXXX ) continues to contact me. They responded to the former complaint and informed XXXX that they have stopped collection activity. LTD Financial Services has since sent me a letter dated XXXX XXXX, 2015 ( see attached ). As I 've noted in the prior complaint, I contacted XXXX and confirmed they are not pursuing recovery. In addition, the information provided in LTD 's former letters is not valid contact information for XXXX. I also note, the XXXX XXXX, 2015 letter has a different telephone number than their previous correspondence to me however the letterhead has the same address and fax number. When I called to inquire why is LTD contacting me. The representative ( XXXX ) attempted to collect verifying information such as my SSN and date of birth before she would proceed with the call. I advised I would not provide that information however she was persistent requesting the information and would not respond to my question, why were they contacting me. I advised I would be filing another complaint and terminated the call. 
LTD alleges to be collecting on behalf of XXXX. I previously spoke with XXXX and they have confirmed they are not collecting a debt. 
This appears to be a company phishing for information and they do not legitimately represent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on a mortgage with XXXX Mortgage XXXX NMLS # XXXX on Wednesday XXXX XXXX, 2015. My first payment was due XXXX XXXX, however, I sent it in early and it cleared my bank of XXXX XXXX. I then received a notice from XXXX XXXX XXXX Mortgage on XXXX XXXX that they were transferring my mortgage to Central Mortgage Company NMLS ID : XXXX. I received a notice from Central Mortgage confirming transfer, however, they are saying that I still owe my XXXX XXXX payment. I have tried calling them about XXXX different times, however, their phone number has been busy and they have not responded to my email. I find the lack of contact information on their website or any way to contact an actual person to be very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company is trying to collect a debt that was already deemed invalid and removed from my credit report by another collection company, XXXX XXXX.

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (VA mortgage) with C & E Financial Group, Inc. (ID).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My complaint is about an advertisement that a client of mine received from C & E Financial Group Inc. They are quoting him a VA IRRRL for a 30 year fixed rate with a rate of 2.75 % and an APR of 3.09 %. Anyone in the mortgage business knows this is a classic bait and switch tactic. There have been no institutions offering an APR this low for years on a VA IRRRL. To a lesser degree, they are also waiving his escrow refund as a benefit back to him when they are going to increase his loan amount to cover a new escrow account. They are showing an estimated escrow refund of {$2600.00}. The annual taxes are under {$1300.00} per year and the insurance is less than {$600.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Medical debt) with ONLINE Information Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This provider rendered services while I was in XXXX XXXX Hospital. XXXX XXXX Hospital accepted the no fault assignment at the time of my treatment and has been paid in full to the present. I was receiving invoices for medical services provided that were a direct result of a motor vehicle accident. I told the billing department on several occasions that by accepting the no fault assignment neither I nor my personal insurance company can be held responsible for any bills as per regulation 83 of the NYS no fault law. ( LINK to Reg 83 : http : //www.dfs.ny.gov/consumer/faqs/faqs_reg83_nffeesch.htm ). I gave this link to the billing department and all of the information from the no fault insurance carrier to aid in their quest for payment. Still, unrelentingly, I was sent a statement every month asking for payment. I finally told the representative to stop calling and harassing me.
On a whim one day, I visited XXXX XXXX to find that the company had post 2 negative marks against my credit. That is not only wrong but ILLEGAL to seek compensation for medical bills that are no fault. I also believe the 2 negative marks were for one incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a XXXX XXXX loan that went into collections. The account has been transferred several times and each company charges me a default fee. 
The principle balance has been paid but I still owe {$8000.00}. This balance is almost entirely these bogus fees. I complained to the new company that charged me a default fee as soon as they sent me a bill and they stated that my loan docs allow for this fee. The new company did n't even give me the opportunity to make XXXX payment before they charged me for default. I looked at the original documents. They do say that I may be charged a default fee, but not by every company that touches the account. The loan docs do not state how much the default fee is or how frequently it will occur. I do not think this is a fair practice. I should be done with this and instead I am stuck making payments on made up debt.

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 04/17/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: My father passed away in XX/XX/XXXX. I had been residing with him and after he passed, I continued to pay his mortgage until I became ill in XX/XX/XXXX, and fell behind on payments.I received a notice of sale in late XX/XX/XXXX. 
I contacted the lender to request assuming my father 's mortgage and was informed that I needed to complete Probate to acquire title to the property BEFORE being allowed to apply. In mid-XX/XX/XXXX, I was able to save enough money to hire an attorney to start the probate procedure. We received the earliest hearing date available, which is XX/XX/XXXX however, on XX/XX/XXXX, Shellpoint 's representative XXXX communicated to my attorney that they would not postpone the sale beyond XX/XX/XXXX unless they received a payment of 5 % of the total amount needed to payoff the loan and the Probate Letters of Administration ( giving me title ) to even CONSIDER an application to assume the loan. 
When my attorney expressed that obtaining the Letters of Administration before XX/XX/XXXX was a physical impossibility, XXXX replied that " you'll need to get creative '' to make that happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many Hard Inquiries in my credit report that I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion updated my credit information from XXXX, XXXX made errors on reporting my mortgage payments documentaion was provided, however Transunion actually lowered my FICO score after receiving the updated information, none of the other bureaus did this is unfiar and biased and 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