milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.

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 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (TX).
Issue: Loan servicing, payments, escrow account

Complaint: EVERBANK is showing that I was consistently 30 days late on payment for my home for months in a row.this has never been the case. Even after the home was SOLD they are yet reporting late payment

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX pulled a credit report on me. This apparently happened during a separate incident involving a bank and another mobile provider. XXXX refuses to disclose to me the circumstances, timing, or purpose of the credit report.

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 03/13/2018 about Debt collection (Other debt) with ERC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( XXXX XXXX ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$870.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland funding has recently reported a debt on my credit reports that do not belong to me in the amount of {$940.00}. The alleged credit appears to me a company named XXXX. I asked for debt validation as allowed under the fair credit reporting act, and I was sent a statement with the name XXXX XXXX ; however the address listed that allegedly belongs to me was a XXXX XXXX XXXX that was illegible, and cut off, nor did the list the items that are required to validate a debt. I did not receive an original contract, a statement of transactions. They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court and could receive {$1000.00} for the incident plus damages, which I plan to do if this matter is nor resolved. This company had been involved in multiple class action lawsuit suits in regards to buying junk debt and harassing innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Convergent stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later Convergent mails me stating they are not handling the account any longer. One week later XXXX XXXX XXXX XXXX sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX To Whom it May Concern, I am writing to dispute a negative information being reported on my credit report by Equifax ( Account # XXXX ). I have disputed this account information as inaccurate with Equifax, and they have come back to me and stated that they were able to verify this debt with the collection company name XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

This cant be true because on XXXX XXXX, 2017, I contacted the collection agency myself asking them to validate my debt. Till today 's date they have been unable to verify that this is indeed my debt. I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires Equifax to verify the validity of the negative account information within 30 days. If the validity can not be verified, the negative information must be removed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Collection on my credit report from company name Credit Collecrion Services which is n't licensed to colle t in state of Florida. Therefore I am disputing the validity of this collection attempt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Refusal to adequately investigate information in my credit report. They are refusing to remove incorrect and invalid information in my credit report by refusing to even investigate the information. Experian Has made it impossible to have errors in my credit report fixed properly.

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 04-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with SUNTRUST BANKS, INC. (GA).
Issue: Problem with additional add-on products or services

Complaint: In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX 
<P/>
XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
<P/>
XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
<P/> XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
<P/>
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
<P/>
My loan is up to date with XXXX XXXX and has been paid on time every month.
<P/>
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
<P/>
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.

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 02/28/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I recently reached out to and spoke to XXXX XXXX, senior specialist for Synchrony, on or around XX/XX/XXXX and she advised that XXXX would be re-opening the dispute I placed on or around spring/summer XXXX. The first fraud claim for I received back from Synchrony stated that the it was denied for the following reason : merchandise was shipped to customer 's verified address. As of XX/XX/XXXX, the claim was reopened and denied again. This time the reason selected for denial are as followed : ( 1 ) customer benefited from use of card/participated in the purchases and ( 2 ) customer accepts responsibility for the charges. If my wallet, credit cards, and license was stolen then of course someone could have easily purchased the my card. For one, the person who stole my wallet had every piece of my information, so I had to get a new ID and put locks on all credit reports. Of course they would have the items mailed to my house and swiped. Also, how does one claim have one reason and the second claim have 2 totally different reasons for denials. It makes no sense at all. Also, I never accepted responsibility for the charges nor did I ever speak to anyone and tell advise them of that since this claim was resubmitted. Back in XXXX a previous neighbor brought a package to my home that had been delivered to their home in error. She said she's been holding it since XXXX or XX/XX/XXXX, because I'm never home when she comes by. After looking at the details of the box it is a table. This XXXX case needs to be reopened and someone needs to tell me what I need to do with this box that was not purchased by me. Also, the box is unopened. I am willing to do whatever is necessary to get this handled in a timely manner and my credit report fixed with the errors.

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I will attach a letter for tax penalty collection. I never received any original bill for.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: For the second tax cycle since purchasing the house in XXXX 2015, Seneca has failed to fully pay the taxes owed to the XXXX of XXXX XXXX. Please see CFPB Case number : XXXX for additional background. 

In the last cycle, though I contacted them frequently, six months elapsed and the Town threatened to put a lien on the house, sell it, and garnish our wages, in addition to other options. Seneca is now repeating this behavior. I have been calling them since XX/XX/XXXX and have re-provided all types of documentation to help them with their research. But each time I call all I get is a response saying they are still researching. I even provided the name of a contact in the Town 's tax department who would walk them through everything and they failed to contact him for a month. 

I request your assistance in bringing timely resolution to this matter. I am happy to provide additional information, such as account numbers and tax bills, at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with TD BANK US HOLDING COMPANY (PA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: My bank TD is n't reporting my updated bank balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I have been charged several insufficient fees for XXXX transactions. Initially when I made the charge with my debit/credit card the funds were available in my account on XXXX XXXX, 2016 in the amount of {$12.00} and the other charge {$11.00} on XXXX XXXX, 2016. In my account I had approximately {$850.00} available. So those transactions were completely covered. I also viewed my account on XXXX XXXX, 2016 my account was still in good standing all through the day until XXXX XXXX, 2016 at XXXX. Then my account went into negative over {$350.00} of fees. I called chase and reminded them that on my account I signed for transactions to be declined when funds are not available. He said a check was presented for {$1600.00} on XXXX XXXX and their policy is to pay the check first no matter what other transactions were presented before the check. I 'm asking for the return of the fees of {$68.00}. The check was deposited by error I had chase to cancel the check.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with 21ST MORTGAGE CORP. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We received a loan modification from 21st Mortgage. We made XXXX of the XXXX while working with them to verify the amounts they claimed were due. The loan modification says specifically that the amount of the escrow is subject to change, and we were negotiating that figure from the outset. Today we received a letter saying that we rejected the loan modification when that is blatantly false. We were negotiating the correct amount of the escrow. In fact, part of what was in escrow was amounts charged by XXXX, who notified us that those amounts were fraudulently charged, and refunded us a small portion of those charges by a class action lawsuit. 21st removed all the charges but taxes and we were negotiating on our claim of slander of title against the amounts of the escrow. Our point of contact XXXX XXXX is travelling and his auto-email notification says that he is not available until XX/XX/XXXX, so I called to his office. I was told by his assistant that so long as our payment was received before the end of this month, we would not lose our loan modification. Now 21st is saying they are going to return our loan modification payments and try to sell our home. HELP. We do not want to lose our home or our loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I asked wells fargo to reduce my monthly payment they refused my wife passed away and I want to keep my home.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
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: Carrington mortgage reported that I paid my mortgage 30 days late, when in fact if was only 29 days. They refuse to remove it from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re : Acct # XXXX To Whom It May Concern : I recently pulled my credit report from XXXX, XXXX and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with " XXXX XXXX '' during this time period. Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30day period. To avoid a lawsuit, I request that you remove the account from my credit report. Please delete this listing or I will be forced to seek legal action. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation