milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2016 about Debt collection (Medical) with Broward Adjustment Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received XXXX bill from their offices, I have asked among other things in my day XXXX/XXXX/XXXX dispute a copy of the contract signed by my accepting the terms and conditions of these bills and my obligation to pay a bill it is not proof of debt, can be printed using any format an amount allegedly owned, and still you can not blame a guy for this, send me the number of licensed to collect in Florida, explain how these calculations were made Provide me with your license numbers and registered agent, are obliged to do so, otherwise you are violating the law by the law corresponds me under Fair Debt Collection Practices Act and Fair Credit Reporting Act, any document without my signature lacks validity, after XXXX I can get XXXX dollars for defamation of character in a lawsuit, no arguments, no verifiable accounts have to be removed is clear and concise law, they can go up as well if they have evidence that I received his correspondence with receipts post signed by me as received I request a letter of consent that the account will be closed on your system and will no be transferred to another agency

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had been disputing negative information on my credit report with the credit bureaus for over a year. In XX/XX/XXXX, I logged into my Credit Check Total account to review my credit report and noticed that Equifax had removed every single account from my credit report except for my dismissed bankruptcy and an account that had been illegally opened by my ex-girlfriend ( which is an account that I have been disputing both with the credit bureaus and with the creditor themselves ). 
I called Equifax and spoke with a representative over the phone and he had no idea what had happened or how to help me. He suggested that I send them a fax with a copy of my previous credit report that showed the information that needed to be re-added to my credit report. I had this information sent to them and it has been over 30 days since this information was provided to them. They still have not re-added these accounts back to my credit report and this has had a very damaging effect on my credit report. 
I do not know how this happened or what caused this to happen, however I would like for my good payment history and good credit history put back onto my credit report as I feel this is very unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: Check n go XXXX have zero tolerance for their customers on paying them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX XXXX I had a few unpaid toll road charges assessed to my license plate from the XXXX XXXX XXXX XXXX XXXX. I am a toll tag consumer with XXXX Texas XXXX XXXX. In the state of Texas if you have a toll tag with another agency, your toll tag is operational within the state Texas. Linebarger, Groggan, Blair, & Sampson LLP is a collection law firm for the state of Texas. XXXX fail to notify me about these unpaid charges. They claim they sent invoices to the mailing address associated with my XXXX account. I never received those notices. In fact in XXXX I received an invoice from XXXX and took care of those charges. My mailing address has never changed. After 60 days my unpaid tolls were sent to the collection law firm. They claim they sent notices and phones calls I never received. XXXX XXXX, XXXX was my first notification, because I was renewing my vehicle registration and there was a hold on my registration. I am a law abiding citizen and a tax payer. I would have appreciated if XXXX would have notified me better, so all of this would have been avoided. I have a toll tag account in good standings. Those toll charges could have been deducted from my account. XXXX policies are not set up that way and they do n't share or have access to the different toll agencies. I have been trying to negotiate with the law firm, but they keep giving me the run around. I thought a had a glimmer of hope when a representative from XXXX 's administrative office contacted me to make a settlement with removing some court fees. The total bill is {$490.00} and the administrator offer to reduce the charges to {$280.00}. I counter offer for half of the {$490.00} with {$240.00}. The administrator explained she had to consult with the attorney. The attorney denied my offer and it 's written in their system that I denied the settlement offer and I have to pay the full amount. I need my registration newed so, I will be in compliance with state operating my vehicle on Texas roads. I am restricted to use the toll roads, because this matter is not resolved. This is all a big inconvenience for me. XXXX is being greedy and want to enforce their laws instead of being reasonable and work to with me. I feel I should not have to pay those tacked on fees just the toll road charges which total up to {$14.00}, but I 'm willing to pay some fees, so that I can move on with my life. I do n't have time or the energy to go back and forth with these people. Can you please help 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 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Around  XXXX   XXXX , I paid off my  XXXX   XXXX  account with a Balance Transfer from another bank. Too much was paid and therefore left me with a credit at  XXXX   XXXX  of {$130.00}. I was going to charge something to use that balance up. Several months later when I checked my account that balance was no longer there. I called  XXXX   XXXX  and they said they mailed a check. I NEVER could find this check and finally in  XX/XX/XXXX  called and told them that. They checked and said the check had cleared the bank. I told them I had not r eceived this check could they please send me a copy of the back of the check to verify my signature. Around  XXXX   XXXX  I received the copy of the check. Not only did the check NOT have my signature on it, it did NOT EVEN HAVE MY NAME!!!! I immediately called  XXXX   XXXX  to let them know that I had not received the check and I assumed it was stolen from mailbox and someone else had endorsed and deposited it. ( Or could it possibly be they never mailed it an d one of their employees took it as I had them compromise my card once??? ) I then called Citi Bank and talked to an idiot who told me there was nothing she could do but maybe I could take the check to one of their branches. I told her there were NO Citi Bank branches here. Did she want me to go to NY? She said, Yes, I could do that. I then asked to speak to a supervisor in the USA.  She informed me that it was  XXXX   XXXX    XXXX   job to file a fraud or forgery claim. I then called  XXXX   XXXX  back and asked for a supervisor in the USA. I talked to a very nice woman who put me on hold while she did contact their fraud dept. They told her they do NOT do that! She had me on hold several times as she checked with several different departments. She told me that each department said there was nothing they could do as they had paid the check and this was Citi Banks issue!! Between these phone calls, I was on the phone over  2 h  ours and got NOWHERE! I am out {$130.00} and I did nothing wrong but overpay an account. Citibank, on the other hand, committed an illegal action and is taking responsibility for nothing!! Can you help me??

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/2017, First Advantage sent a report via US MAIL containing a copy of the consumer background screening. The background screening was requested by a potential employer in which I applied and the annual salary for the employer less than XXXX. The background screening contained information that placed First Advantage in direct violation of the Texas Business & Commerce Code Sec. 20.05. http : //www.statutes.legis.state.tx.us/XXXX The Texas State Law states that consumer reporting agencies can not report information predating seven years of the report date. This report sent to me violated this code. I reached out to the company and filed a dispute. I have received no resolution as of yet. I have attached a copy of the Texas State code containing information regarding consumer reports. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; or ( 5 ) another item or event that predates the consumer report by more than seven years.

( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: As a result of the financial crisis in  XXXX , I was hit hard after just purchasing a home. I got married in  XX/XX/XXXX and moved to a larger home since we both had children. My old home was listed for sale but did not sell since property values were dropping. I used two  XXXX  credit cards to help pay for electric and heat and mortgage while I tried to sell it. One account rose to over {$12000.00} and the other to over {$17000.00}.   The two accounts were written off a few years ago. This past year, I tried contacting them to " settle '' in order to improve my  credit score. I hi red an attorney to help me with this. The attorney pointed out that th e Statute of L imitations had expired on both accounts since my last payments on both accounts were in  XXXX . I filed disputes with the  three credit bureaus. One removed the two   XXXX  accounts from my file. Two others,  XXXX  and Transunion, have not done so. I have filed disputes each of the last three months. The dates they show of last payment are incorrect. They have provided my attorney with true and accurate earlier dates. I have advised them of this and both accounts continue to show in my reports. I need them removed. I have specifically pointed out that the date of last payment they show is incorrect and I have told them they need to check, update, and remove. I believe they have not checked, but simply looked at the erroneous date and accepted is fact. What they should have done is researched the date of last payment, fixed their errors, and removed the two accounts from my reports.

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 04-09-2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Auto) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.

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 03-03-2017 about Credit card () with NETSPEND CORPORATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Payday loan) with Webster Account Solutions LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I took out a loan at XXXX XX/XX/2012. i ended up closing my bank account and forgot all about paying it. so recently within the last 2 weeks somebody from XXXX in XXXX XXXX contacted & harassed me stating that i needed to pay this outstanding balance or they were going to come and arrest me. The lady was very rude. She said her name was XXXX and than it changed to XXXX. She repeatedly called my cell, home phone, and work phone. I asked how do i go about taking care of this matter. And her response was that i needed to take care of this matter today otherwise they would take me to jail and i would sit there until the court was able to hear my case. Then she said that i owed {$1100.00} if i do pymt. Or {$600.00} if i pay it off within 2 days, or {$420.00} if i pay it today. I said there 's no way to pay this today but i 'll see what i can do. Than she lowered it down again to {$410.00}. She stated i could put this on a prepaid credit card and call her back with the credit card number. I told her i would call her back. It all just seemed so fishy so i called XXXX and they told me not to pay and that somebody would get back to me. 
The persons number that was calling me is phone number XXXX. Once again this lady was beyond rude. My complaint is against the bill collector NOT XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.

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 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.

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