milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Payday loan debt) with Chaplain Financial Services LLC (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was upset after I obtained my XXXX, XXXX and XXXX  credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as ofXX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: My mortgage got sold in XXXX of XX/XX/XXXXto Carrington. When it got sold i was behind on payments. I contacted Carrington in XXXX of XXXX to ask them what would bring my account current. The lady told me {$2000.00} would bring the account current. So i sent the XX/XX/XXXXas well as the XXXX payment. Now they are telling me that im behind one full payment plus late fees. When i questioned this they cant tell me why because their computers dont go back that far. They can only see two years back and that i would have to speak to the research dept to clear it up. I asked to speak with the research dept and i was told that they dont take phone calls.So i cant talk to anybody to try and straighten it out or get answers. It is so frustrating not being able to get any answers. Im not going to give them any money unless they can tell me why im late. As of right now, they cant answer that. I gave them the XX/XX/XXXXback in XXXX to make it current but they didnt do something right which makes me uncertain about giving them any more money. They keep telling me that my payment for the first of every month is getting applied to the month prior so now i have alot of late fees. They cant tell me why im late in my payments and i dont what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Debt collection (Other debt) with ERC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On  XXXX   XXXX ,  2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client  XXXX   XXXX  also known as   XXXX   and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number  XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on  XXXX   XXXX ,  2017 , stating quote " In response to  XXXX   XXXX  's complaint, ERC has no record of a   XXXX   XXXX   account matching his information ''. I have confirmed with the credit bureaus   XXXX    and  XXXX   XXXX  that Enhanced Recovery Corporation is reporting this alleged debt twice once under the  Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.

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 09-06-2017 about Debt collection (Medical debt) with North American Credit Services (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: request for VALIDATION was made : XX/XX/XXXXrespectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Never received anything from them

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Trouble during payment process

Complaint: Originally my mortgage had  XXXX . For breach of payments and delays  XXXX  sold the portfolio to Bank of America. My residence is  in Puerto Rico and  with the new job I have been paying the mortgage for more than 3 years without fail. When the loan was paid to  XXXX  on payment was included the payment of property insurance. Now Bank of America tells me that I need property insurance and that I have to pay {$190.00} more to pay the mortgage. I realize that this payment is already included in the payment of the mortgage. In addition they receive the payment but when I call for any service or for some adjustment or to help me some help they indicate to me that as the house is  in Puerto Rico does no t apply. I want to refinance the house and they tell me that they do not finance house in  Puerto Rico and  I wonder then how they receive the payment of my house or why they bought the wallet

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 'm sending this complaint to Equifax on behalf of the XXXX accounts that are suppose to be removed from my credit report as of XXXX XXXX, XXXX XXXX Please see the CFPB XXXX XXXX XXXX. I spoke with XXXX XXXX with the XXXX loans company and he stated that the request has been sent. Equifax is the only credit reporting company that still have these accounts on my report. This accounts are hindering me obtaining any type of credit to establish life after hurricane XXXX. Please see the CFPB XXXX XXXX attachment for my complaint and their response. Please see that i sent a Validation request and that is the reason why i sent the complaint to CFPB because they did not answer my XXXX, but someone signed off on the certified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AZ).
Issue: Other transaction problem

Complaint: On XX/XX/2017, I authorized a wire transfer in the amount of {$60000.00} from my bank account to my XXXX account. The wire transfer was rejected by XXXX, because the names on the accounts did not match. The funds HAVE NOT BEEN RETURNED to the original bank account. It has been over a month since the wire transfer was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company advised me XX/XX/XXXX that it would suspend all collection and interest activity due to me having experienced a home fire and the home not being habitable. Since XXXX MT Bank has held funds in excess of {$89000.00} and is aware of my intent to payoff the principal balance due, especially since they had failed to cease collection, interest and unlawful escrow practices. I spoke with a supervisor XX/XX/XXXX who assured me that all erroneous interest and escrow balances that have increased the amount due since XX/XX/XXXX would corrected, removed and my payoff balance adjusted accordingly. The deadline she gave me has passed and no thorough investigation or ownership of my unique situation has occurred. I have spoken continuously with representatives from MT Bank, and kept logs of all correspondence since XX/XX/XXXX, and have constantly received confusing and incorrect information regarding my intent to pay off the principal loan balance of {$68000.00} as reported on my credit file and have the difference of my withheld funds in the amount of {$21000.00} returned to me. Currently they remain in violation of the Act and continue to hold my funds unlawfully with no interest accruing in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ Trans Union . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX services was sold my 2nd mortgage account from XXXX mortgages. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX, XXXX, I first received a phone call and then a letter from Southwest Recovery Services, a debt collector, concerning an unpaid amount for XXXX in XXXX at XXXX. During the phone call, I requested an itemized statement of the charges. The caller, XXXX, said that he would email it to me in 2 - 3 days. However, by XXXX, I had not yet received the statement. I called Southwest Recovery Services, and XXXX XXXX, the Collection Manager, told me that an itemized statement had been requested five different times from XXXX but was not received. He also said that he would immediately contact XXXX XXXX XXXX for the statement and would close the account if there was no response by XXXX. A few weeks later, XXXX called to collect the debt and did not know about my conversation with XXXX XXXX. He said that he would check the status and let me know, but he did not followup. On XXXX, I called Southwest Recovery Services, and this time XXXX XXXX transferred me to XXXX XXXX for a copy of the itemized statement. She could not immediately locate it, but assured me that she would call me the following morning with the status. She never called. Yesterday afternoon, XXXX, I called XXXX and left a voicemail to request the statement and to also call me. I have not received a call from her. 
I have credit card receipts for the required {$25.00} co-pay for each of my XXXX. I also have insurance XXXX for the corresponding XXXX which show that XXXX XXXX XXXX was paid the remaining balance for each session by the insurance company. Additionally, all my XXXX were in XXXX not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with Assured Financial Partners (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a voicemail stating I needed to call back immediately. When I called back I spoke with a XXXX whom wanted all of my personal information before telling me what the call was in regards to. When I told him I did n't feel comfortable doing that, he became very hostile and disconnected the call. I called back and spoke with another representative, who was able to tell me they sent out information to a very old address but could n't tell me why they called because she did n't handle the file, XXXX did and so she transferred me back to him. XXXX then told me he was calling about a credit card I took out with XXXX back in XXXX which had a balance of {$4000.00}. I told him I never had a credit card from XXXX and he became hostile again. I told him I want something sent to me about this " debt '' so I can have an attorney look at it as it is n't mines. That made him even more upset and he proceeded to tell me they already sent me something in the mail. I told him the previous representative told me they sent something to an old address and he told him she was mistaken. I said it sounds like you do n't want to send proof of this debt and per FDCPA I am allowed to request proof of the debt. I told him the 1st credit card I received was close to XXXX and he stated " well that 's not what your credit report says ''. He stated he was no longer going to argue with me and disconnected the call. I check my credit report very often and there 's nothing on my file in regards to what he 's claiming I owe. He was very hostile especially after I explained to him the laws I knew in regards to debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have requested to have an address deleted and when I get back the results, it says, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX '' but the address has not been deleted. 

I also had another dispute where I asked to change my address to my current address at XXXX XXXX XXXX, XXXX, IL XXXX. I got results that it was changed but it still shows an incorrect current address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Payday loan () with Express Cash Mart Management (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Lender sent me a contract saying first payment due on XXXX XXXX, 2015 for {$72.00} but on XX/XX/XXXX2015 they took {$83.00} from my bank account they said I owed from a prior loan that 's not true loan was merged with new loan new loan new contract. Loan # XXXX been paying on loan for over a year, now they calling harassing my reference everyday.

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 10/13/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Wells fargo check my credit with out my permission. I received a letter that had my credit score from wells fargo.

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 12/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX has over charged me and fail to inform me where all the charges are coming from. I took out one loan and now it is up to XXXX , but the cost of my school was only XXXX $ for all 4 years, so I do not understand where the XXXX $ is coming from. They also want me to pay {$15000.00} a month which is beyond ridiculous. The entire company just seems fraudulent and I see why they have a lawsuit out. DO NOT TAKE LOANS FROM XXXX EVER!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since I have this auto loan from Capital One since XX/XX/2016, I've always paid its monthly payment. However, around XX/XX/2016, I asked for an extension for my XX/XX/2016 payment due to personal reason and was granted such extension. Either due to miscommunication or administrative procedure to process the extension, Capital One somehow reported my XX/XX/2016 payment as 30 days delinquent in my credit report. I talked to their customer service trying to correct the inaccuracy and was told the report was accurate. While confused, I tried multiple times to persuade them to correct it considering my excellent payment history and goodwill regardless. Yet they seems to be adamant about their decision which caused significant damage to my credit. Besides, their way of handling this is quite unreasonable and inappropriate to a loyal customer with very consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX Acct XXXX numerous times. I have explained that the account information and details are inaccurate and should be removed and deleted. I have written XXXX XXXX XXXX XXXX XXXX, SD XXXX and they continue to tell me they have no documents to prove the facts of this account. ( payment history- account billing ). XXXX continues to state they have verification to the facts of this account but will not provide them, yet they continue to report inaccurate account information. I have requested this account information be removed as it can not be proved by the company or Transunion

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 10/26/2015 about Debt collection (I do not know) with High Point Asset Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep getting calls at my work office and I have told them not to call me at work. I just got another one over the weekend and they said in a harsh recorded tone that I am a person of interest and if anyone knows me or knows were I 'm at that they need to call them and let them know. XXXX.

Company response to consumer: Closed with explanation