milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Payday loan () with Sir Finance Corp (IL).
Issue: Charged bank acct wrong day or amt

Complaint: I fulfilled the agreement to repay loan in XXXX equal payments totaling XXXX. This was a payroll deduction agreement. Sir Finance continued to deduct payments for XXXX XXXX XXXX XXXX more pay periods after the obligation was fulfilled totaling {$460.00}. I contacted Sir Finance after noticing the error on XXXX/XXXX/16. I was assured they noticed the error and the refund check was mailed out on XXXX/XXXX/16. I followed up on Friday XXXX/XXXX/16 and was told to give it a few more days, but asked for my mailing address. This leads me to believe Sir Finance had no intention of refunding the overpayment difference and had I not pointed this out, never would have mentioned it. I paid XXXX in interest on a loan at 95.25 % interest. For them to steal another {$460.00} is unacceptable. I simply want what was overpaid to them or in all fairness pay me the same rate for using my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with SCA Collections, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then XXXX years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( XXXX years ) I feel that all XXXX XXXX, Equifax and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all XXXX bureaus REMOVE this immediately from both my name and spouses. It was paid and released over XXXX years ago and taken off and on our credit, most recently placed on again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, I contacted XXXX at Great Lakes regarding a payment that was taken out of my bank account the previous day. I advised that my forbearance does not expire until XX/XX/XXXX and they were not authorized to take the money out.They advised that they will investigate and call me back within 24-48 hours. On XX/XX/XXXX, I called them back after waiting the 48 hours I was quoted. The person on the phone advised me to wait longer and did not give a time frame. I have emails from Great Lakes stating that my loan is in forbearance, there are also messages on my Great Lakes account stating this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection that 's been showing on my Experian and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with Experian or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this debt which appeared on all 3 of my credit reports. On XX/XX/XXXX, and on XX/XX/XXXX, asking portfolio recovery to provide me with any viable proof of evidence with my signature I owe this debt. I pulled my credit report and still there was no comment regarding consumer disputing which is required by law. Portfolio deleted the trade line from XXXX, but not on XXXX, nor XXXX. Just recently, portfolio recovery updated the account as an Open collection on XX/XX/XXXX, for XXXX dollars. Portfolio recovery has continued to perform non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Also Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Revenue Corporation (KS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are XXXX accounts listed on my credit file that are unknown, I have disputed and requested validation and nothing has been received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 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: Investigation took more than 30 days

Complaint: transunion credit is reporting a collection that has been investigated and previously removed by all 3 reporting co.this account was never mine [ XXXX ] it reappeared on XXXX and XXXX and was removed as soon as i notified them, but transunion refuses to acknowledge me, they have dropped my credit score to XXXX, XXXX XXXX and XXXX XXXX.I have filed an on-line dispute six weeks ago to no avail.I have also sent a registered letter requesting that they remove XXXX collection from my 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 11/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Trouble during payment process

Complaint: Wells Fargo, my Mortgage Company is forcing me to have an Escrow Account on my existing mortgage that I took out in 2004. I have n't had an escrow account since I took out the mortgage, now they say I have to have one and I have no choice. 

Now I have had a couple late payments in the past 12 months and I did pay my property taxes late, but my mortgage is current and so are my property taxes and insurance. I got less than 30 days notice that I had to have an escrow account. I called and said " no way, I do n't want one ''. They submitted my request and I got back a decline on my request due to my payment history and that my FICO score has gone down since I closed the mortgage ( in 2004 ). I personally do n't believe that either of these two reasons are justification to open an escrow account against my will. I do n't remember anything in the closing papers saying they had the right to open one against my will and force me to pay it. 

My mortgage balance is only about 30 % of the market value of the home. Then to top that off, the escrow account almost doubled my monthly payment. I think this is how they plan to steal my house since I have over $ 200K in equity. 

What are my options? I ca n't pay my mortgage with their estimated escrow amount ( which is more than double what it should be ). 
Can they force me to have an escrow 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 non-monetary relief
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: XX/XX/2018 My bank account went from {$190.00} to $ XXXX on account of {$610.00} of coinbase fees and {$100.00} bank insufficient funds fees. I called coinbase customer support to freeze my account and start a customer support ticket. The operator then told me my account was frozen and a specialist would look into the issue. After concluding the call i then get more notifications of account activity for the transfer of currencies from my account to some other. I then recall coinbase and explain my situation to another agent and they tell me my account had not been frozen but they will freeze it now. At this point i no longer have access to my own account. The phone number had been changed without my doing or consent. I got a notification that they where changing the email of my account and i had told the operators not to change it as it was not my email nor was it created by me. Yet it was changed and i can not access my account or its funds if they are still in my account. My bank has reimbursed me for the fees but i still had bitcoin in my account to the tune of XXXXXXXXBTC  when my account was hacked/hijacked. I fear my Bitcoin was traded away to another account and even if i resume access to my account it will be gone. I have since closed the bank account associated with my bitcoin for fear of more charged of which my bank would not cover. Ticket # XXXX I have received no response from coinbase about my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared Chapter  XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.

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 03-06-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Consumer Loan (Vehicle loan) with DriveTime (OH).
Issue: Shopping for a loan or lease

Complaint: I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.

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 02/17/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NC).
Issue: Credit card protection / Debt protection

Complaint: Someone obtained my credit card # fraudentally. I notified the bank and was told they cancelled the card and would remove the charges. However, they have not done this as charges keep appearing. When I call I am told I never reported the charges as fraud but it will be done. After 6 phone calls, each time being told 1. I never reported the fraud and 2. I never reported the charges as fraud, I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After XXXX XXXX XXXX put a collection notice on my credit report that did n't belong to me, I have submitted multiple disputes to get the incorrect information removed from my credit report and it was declined each time. Under the Fair Credit Reporting Act, Experian is responsible to remove any inaccurate information. After receiving another collection on my credit that was n't mine but tied directly to this incorrect information, I sent a certified letter to their XXXX, TX location asking for this to be addressed promptly and removed within 30 days before I pursue legal action as well as filing a federal complaint. Instead, all I got back was a letter saying this was " suspicious '' and would be ignored. I uploaded applicable documents on Sunday and called in yesterday to speak to someone. I asked multiple times to be transferred to a manager and was refused. At the end of the call, I reiterated this frustration and my intent to file a complaint and consult with a lawyer and was advised a manager would give me a call back. It has now been a full business day and I have yet to receive a call or know for sure that all the incorrect information has been removed from my credit report. This is of course ignoring the fact that I have asked for all communications to be done in writing as this has been 6+ months of trying to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XXXX of 2011 I had to have XXXX at XXXX Hospital in XXXX XXXX ca. The hospital had patient information leaked and that 's when a collection agency by the name of Grant & Weber obtained my information. I contacted the hospital to make sure they had not sent me to collections with this agency and the hospital stated they did not report to Grant & Weber at all. The times I talked with an agent from their company he was very rude and bordering threatening. He called harassing me over and over. They could not provide me with information backing that I owed them any money. I was eventually able to remove their derogatory marks from my credit report. Last week Grant & Weber again reported the same 4 debts to my credit report without any other form of contact. I have talk to other people who have dealt with the same collection agency and no one had a good experience. Their practice is shameful. They want to hurt, not help you. They give vague information and when you ask for details they get upset and are very condescending. If you are lucky enough to get them to send you information to validate your debt it is a joke. The information is as vague as the reps are. Ask them anything about the debt and they turn on you. This company should be put out of business!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Rossman & Co & PCB (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Federal student loan servicing) with JPMORGAN CHASE & CO. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently came into some money that would give me the ability to pay off some of my student loan debt. I have XXXX loans serviced by XXXX, the lender is JP Morgan Chase. I had already talked to a different lender about reducing the interest on another loan so I could pay it off with no problems. When I called XXXX, they informed me that they could not negotiate interest on the loan that I would have to call the lender. When I called the lender they said they no longer do student loans and I would have to talk with XXXX. I tried to explain the XXXX directed me to them since they were my lender but they said they no longer have a department that can help with student loan questions. I understand that it is a long shoot when trying to negotiate a pay off amount but it is very frustrating when I cant even talk with my lender about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation