milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. 

Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (UT).
Issue: Problems when you are unable to pay

Complaint: We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We received a tax lien against our credit, we paid the principle which lowered the total amount well below the lien minimum and the lien is still on our Experian account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Total Card, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work.   They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card (  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: AMEX Prepaid card purchased by my company in XX/XX/XXXX and handed out to employees at a sales training event. Card has been in my possession since I received it. I did not attempt to the use card until XX/XX/XXXX. Merchant declined the card due to {$0.00} balance. Called AMEX and found out the card was used at a gas station in XXXX XX/XX/XXXX. I live in XXXX, XXXX and have never been to XXXX. AMEX tells me they can not do anything. They tried to give me the phone # of the merchant in XXXX which was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Called in to find out about XXXX past accounts on my CBR Account # : XXXX and XXXX both from Capital One spoke with XXXX XXXX said said the account were sent to a Law firm and that a Law suit was Filed on me XX/XX/XXXX but she then told me the account was charged off XX/XX/XXXX and sent to a few collection company and now the law firm XXXX XXXX XXXX XXXX i explained to XXXX XXXX sounds not right like i feel like im getting robbed or something i explained to the account was open XX/XX/XXXX and closed XX/XX/XXXX on my CBR say Account closed at credit grantor 's request she said that Capital one still owns right to debit and i asked to speak to Manager was transfered over to XXXX # XXXX She explain even thou account was pass State of Limitation Capital one still right right to collected of debit and said law was filed on me as well and sent to law firm again XXXX XXXX XXXX XXXX explain to that this account should not be active that it was closed by her company she said they still have right to debit i was very worried I called XXXX XXXX XXXX very rude company could n't find my file would not help me very bad experience and just want this cleared up with feeling like im getting robbed

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (KY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (WY).
Issue: Trouble during payment process

Complaint: Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.

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

Complaint: XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Forbearance / Workout plans

Complaint: I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC-XXXX XXXX could n't pay the loan ... and then years later got back on my feet ... was homeless after 11 year relationship passed away ... made my life not worth living for and to boot the workers bothering me over the phone XXXX you going to have the money and coming to my house and just dissing me anyay they can ... going to put me in jail ... my life will end ... of course i did n't want to go back there had enough issues weith the past death ... was my soul mate ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I wanted to apply for a childrens place credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had XXXX hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: - '' Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' - '' Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license n

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it paid in full. Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in 2009 in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Credit card () with Continental Finance Company, LLC (AZ).
Issue: Billing disputes

Complaint: THE COMPANY CONTINENTAL FINANCE THAT GIVES CREDIT CARDS CHARGED ME A XXXX A YEAR AGO. I 'VE PAID ON TIME EVERY MONTH, I JUST SENT XXXX AND THEY DID ALL KINDS OF XXXX CHARGES TO KEEP MY BALANCE HIGH. MEMBERSHIP ETC ALL KINDS OF CHARGES ( THEY ALSO KEEP A XXXX FROM PEOPLE SAYING IT GOES AGAINST THE BALANCE OWED IF CANCELLED, BUT REMAINS TILL PAID OR CANCELLED, MOST COMPANY 'S CREDIT YOUR DEPOSIT

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 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I attempted to file a dispute with Trans Union about my XXXX card. So I went online to file the dispute. At the last point, where I needed to upload documents in support of my dispute, I found that the documents could be uploaded in Windows Edge Browser, but you could go no further as the Submit button was not working. When I called Trans Union, I first was routed to a call center in the XXXX. I 'd already given my dispute ID and then the lady asked me for my Name, then Social Security Number, then she needed my home address. At that point I told her I was not comfortable giving that information to people that do not live in the US and are not held responsible for our laws. So I was transferred to the United states and spoke with an Escalation Man. He then informed me that he 'd heard their submit button was no longer working for supporting documentation, and if we needed to add documentation, we would need to fax it a XXXX with a cover letter and all this documentation, or I could mail it. This, to me, is COMPLETELY unacceptable. TRANS Union IS misreporting information on me, and now I have to PAY to get my dispute resolved?!?!? I 've attached my successful dispute through XXXX, which is what I was going to attach originally.

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