milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Halsted Financial Services, LLC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Do not know what this phone call is all about. Some gentleman called and asked for an old last name of mines and stated that he was from XXXX I, immediately, went online and could not find this company. I do not have any outstanding debts. I called back and spoke to an XXXX woman who was being evasive and asked for my social security number-I refused. She stated there was not an issue and that the manager must have deleted my name from the file. Very strange phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Student loans are in deferral. Transunion is still reporting incorrect monthly payment amounts, monthly payment for all 4 loans is supposed to be {$0.00}. I have disputed this with their office at least 3x now and provided documentation as well to get this cleared up. They have n't corrected it after disputes and documentation proving what i was saying.

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 06-07-2016 about Debt collection (Medical) with Komyatte & Casbon, P.C. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I had a XXXX done on XXXX XXXX, XXXX. I received XXXX bill for this, which I promptly paid off. However, in XXXX of XXXX I received a notice from the collection company Komyatte and Casbon, P.C. that XXXX medical bills from that same XXXX had been sent to collections in XXXX of XXXX. I had NEVER received either of these XXXX bills that had gone into collection. I called Komyatte and Casbon and asked what this debt was for, since I had never heard of it. The lady I spoke with told me sometimes you do not receive bills for things and that she would send me a itemized list of what the bill was for. This did not sound normal to me, so I called the original company the debt was from. She told me what the charges were for, and that the debt was sent to collections in XXXX because of a bad address, meaning I NEVER received any bills for the debts. The first I was aware of them was after they went to collections. So I called Komyatte and Casbon back, made a payment plan, assuming this would prevent it from being reported to my credit score. The lady I spoke with said it does n't matter if I am making payments, it is still going on to show reported on my credit account as an account in collections. I then called XXXX XXXX XXXX ( the company the bill was from ) and spoke with someone who told me since it was n't my fault I never received the bill due to a bad address, that they would pull the account out of collections. However, after checking my credit score the account has now shown up on my credit score as XXXX accounts in collections. I never had a chance to pay these bills. The first I had heard about them was when they were sent to collections.

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 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alleged original creditor sent an account to primary collection agency that failed to validate the debt, because they ca n't. It is n't mine. Original creditor sent it to this company ( Afni , Inc ) who failed to validate the debt as well. They sent me a copy of a phone bill in my name with a phone number I have never had. This is the second letter I sent them : This letter is to inform your company that you have not sufficiently validate this debt as requested. 

Previous attempts to collect this alleged account have resulted in XXXX ( the original creditor ) failing to provide proof as is required by the FCRA and FDCPA. The previous collection agency, failed to provide the following proof : The amount of the debt ; The name of the creditor to whom the debt is owed ; An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Afni, has failed to provide the following proof : An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Furthermore, the documents that were sent ( postmark XXXX/XXXX/2016 ) are a printout of a bill for an account that has NEVER belonged to me ( see document page XXXX of XXXX that you sent ). The phone number XXXX has NEVER belonged to me. Therefore, the information you have provided is not only insufficient, but inaccurate. 

For the reasons previously stated, this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Consumer Loan (Installment loan) with Conn's, Inc. (CO).
Issue: Managing the loan or lease

Complaint: I paid off my loan in full on XX/XX/2017. I have repeatedly called and asked for my payoff statement or payoff letter to no avail. I even have gone to their neighborhood store to see if I can get a payoff letter or statement showing I have paid off to no avail. Once the account is paid off it is my right to get a statement or bill. They do not send you a statement whatsoever. They have a flawed system of errors and calling their customer service gets you nowhere. I have had other installment loans and they all have sent me timely statements and letters via mail and/or email. Their motto is " you deserve it '' and yes to the XXXX you deserve to be misled. Someone needs to investigate their business practices as they are in clear violation of fair credit billing act and by not providing any kind of statements or bills they are taking away a very integral part of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX I mailed via certified mail a letter to the XXXX credit bureaus a letter listing a total of XXXX accounts that were fraudulent, the following accounts were sent : XXXX XXXX, XXXX XXXX Bank as well as XXXX XXXX. I submitted a complete Identity Theft Packet, which included a letter itemizing the accounts that were fraudulent, a copy of the credit report circling the fraud accounts, a police report, an ID Theft Affidavit and lastly a copy of my driver 's license and social security card. XXXX deleted the accounts, however Equifax has done nothing with the information I submitted to them. I called Equifax today, XXXX XXXX, and they have done nothing with the documents initially submitted. They also refused to comply with the FCRA in regards to them placing a block within 4 days of them receiving documentation of fraud. I have spoken with various representatives and supervisors there who refused to comply with the law. I spoke with XXXX XXXX representative XXXX, XXXX XXXX representative XXXX, XXXX XXXX floor Supervisor ), and lastly XXXX XXXX Supervisor of XXXX XXXX ) all of which are in the Fraud Department. Please help as they willfully violate the law!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Trouble during payment process

Complaint: XXXX XXXX, XXXX I received a letter from BBVA Compass informing me that my mortgage had been paid in full, and not to send any more mortgage payments because they would be returned. At this time, I was still in Chapter XXXX Bankruptcy. I called the number on the letter to verify the information. The computer operator confirmed the information in the letter. I have asked BBVA Compass for a mortgage release numerous times ; I have yet to receive my mortgage release.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (WI).
Issue: Adding money

Complaint: Google Wallet is a service that allows you to make payments using any number of bank accounts or debit/credit cards. It allows you to add money to your " Wallet Card '' ( essentially a re-loadable XXXX XXXX by transferring money from your bank via ACH ( for free ) or by adding funds with a debit card ( for a fee of 2.9 % ). 

Here 's the problem. When I add money to my card via the free ACH route, the system tells me very clearly before I complete the transaction that the funds will be available in a few minutes. Once I 've completed the transaction, and check the status, it says the funds wo n't be available until a date 10 days in the future. Usually I 'm doing this in the checkout line at a store, and I 'm forced to add the money again with my debit card, costing me that 2.9 % fee. 

Now at this point, I 've had to pay somebody else to use my money. When I contact XXXX about it, they offer no help and their only solution is to use the debit card route ( which costs me money ). When I add the money via debit card, it comes out right away. But I 've already added money via ACH, which is going to come out on the next business day. So in this example, the money is taken out of my account TWICE, with a waiting period of up to 10 days to access the other half of it. 

Bottom line, I add money, it says it will be available within a few minutes. After I submit, it says it will not be available until several days in the future. Their service is lying and misrepresenting itself, and causing undue financial hardship. 

I have added XXXX screenshots. The first shows that when I go to add {$100.00}, it says the money will be available within a few minutes. The second was taken after submitting that {$100.00} transaction, showing that it wo n't be available until XXXX XXXX. The XXXX screenshots were taken less than a minute apart.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 
3. Letter from XXXX XXXX XXXX XXXX collector. 

Thank you for your help. 

-XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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
Consumer complaint received 12/31/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (PA).
Issue: Managing the loan or lease

Complaint: Paypal-i signed up and logged my credit card for a purchase. Only when I began receiving calls and mail from collectors and hours on the phone did I discover I had opened a line of credit and used it without ever knowing. I had to pay fees larger than the original amount and it impacted my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: It is the practice of my mortgagor,  XXXX , to report my mortgage payments to credit agen cies 3-4 mo nths after payment is made. For instance, my Transunion credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expect  XXXX  to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my  credit score.

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 11-06-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Struggling to pay mortgage

Complaint: After the XXXX of my father in XX/XX/XXXX, my mother became delinquent on her mortgage. My fianc and I later decided to move into the premises to assist my mother with the mortgage payments. 

Recently ( XX/XX/XXXX ), we began the filings for a loan modification ; now that life and legalities ( probate court ) have settled. As part of the loan modification application, XXXX XXXX ( the mortgage servicer ) wrongfully made us aware that a Quitclaim Deed would be necessary to consider both my fianc as additional income for the loan modification. From XX/XX/XXXX to XX/XX/XXXX, we were denied four-times for a loan modification due to " Ineligible Borrower '' because Mr. Cooper told us to have my mother quitclaim deed the property to my fianc and I. 

More recently, we appealed our most recent denial. Mr. Cooper came back with the response that they were sorry for providing us with wrong information about the Quitclaim Deed, but ultimately our mortgage is not eligible for a loan modification due to " Insufficient Payment Reduction ''. We asked why " Insufficient Payment Reduction '' was a reason, and they told us it is because of " Investor Guidelines ''. Thus, we asked for the investor guidelines that they were referring to. And, we were told that Investor Guidelines are " proprietary '', and they could not disclose that information to us. Yet, after looking at the calculations that result in " insufficient payment reduction '', we found there is no extension of the current amortization schedule. How do they expect two ( 2 ) years of a delinquent mortgage to be paid with no term extension? That is just crazy.

We are wondering if we could ivnvetigage the " investor guidelines '' that are preventing us from a loan modification. Mr. Cooper delayed the process by telling us wrong information in regards to the Quitclaim Deed, and is now delaying the process further by not willing to work with us.

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. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian shows two "hard" inquiries on my credit report. Dispute of the items is not allowed online. I have called twelve different telephone numbers (multiple times) and after going through the identification process each number disconnects.  There is no way to talk to a person. A company by the name of "XXXX XXXX XXXX" with a telephone number of XXXX shows as making an inquiry.  I called there number and it is not in service.  Looking on line it seems this company may be in bankruptcy or is otherwise in trouble. I need the inquiry removed and there is no way to contact Experian.

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 12-06-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I applied and received a mortgage on a bank-owned house in XXXX Ohio last XXXX 2016. I also received a XXXX loan with this home. I had a contractor, who arranged for the work, and I signed the contract, not aware that things were missing. The basement and crawl space has frequent water, has damage, and was not listed on the original paperwork. I was not present to ask about those things at the time. Contractor turned out to be unsavory, even though vetted by my local mortgage company. Mortgage was then sold to bank in New York. I have not drawn on the loan, but keep paying. Bank seems 'stuck ' with what needs to be done, even though I have tried to express to them importance with their forms and XXXX info, that I can change things to ensure my Health and Safety in that home. They do not say yes/no, they merely re-state I must do things by a certain date, or I am out of compliance. I want to rearrange loan monies to fix the basement. It still requires $ XXXX to fix everything, and I will have to find a way to financially do this. This is before things can be done like replacing exit door and tiling area, which is on the original list. The house has foundation problems with accompanying moisture and mold issues and lower level can not be made habitable until rectified. Submitted paperwork to do same, but bank is telling me for the past 6 months or so, that I need to stick to the original plan. I question bank 's rendering of this loan process when things need to be altered. I have been transferred to at least XXXX staff for administration to no avail. I am tired and can not afford a legal representation at this point ... I also have a house to sell in order to move, but can not do that until I have a new place to live ... I 'm XXXX and have animals and work full time for my XXXX. It has not been easy to deal with M & T Bank, because they do not seem to listen. Please assist me as you can. I welcome ANY helpful information. I would like to refinance the entire loan and start over, if possible. Preferably with a LOCAL BANK I can deal with. Thanks.

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 03-12-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.

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 12/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: EMC MORTGAGE LLC was assigned this Mortgage XX/XX/XXXX. EMC MORTGAGE XXXX, Charter was forfeited on XX/XX/XXXX was reinstated on XX/XX/XXXX EMC MORTGAGE LLC was not AUTHORIZED to conduct business in the State of XXXX. EMC MORTGAGE LLC, Charter was forfeited for XXXX tax code violations. EMC MORTGAGE LLC, fraudulently conducted an illegal assignment of Mortgage on XX/XX/XXXX. Take further notice EMC MORTGAGE LLC is not Registered in XXXX or IN XXXX to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Payday loan () with First American Solutions, LLC (TX).
Issue: Can't stop charges to bank account

Complaint: Requested original lender ( XXXX ) to stop drafting funds from my account at the end of XXXX XXXX, as I lost my job and I wanted to create a payment arrangement. They said they could n't do anything until I missed a payment. I called my bank who placed a stop payment for anything being withdrawn by XXXX. I thought I had paid this bill in early XXXX. On XXXX XXXX, XXXX I was contacted by First American Solutions LLC and told I owed money for this dept. I stated that I did n't have the money to pay this and that I was n't sure it was my debt ( again I thought I had paid it ). I asked for proof they said they would send it. I also asked if I agreed to pay a smaller amount ( XXXX ) in two weeks to just make it go away if they could work with me. They said to call back but until I could call back to avoid the processor ( whom never came ) and on XXXX XXXX ( 4 days after I spoke with someone ) they drafted XXXX from my bank account. Without authorization. I had my bank immediately reverse the charge. I have proof of this withdrawl in the form of a copy of the electronic check submitted to my bank. 

I also sent a letter to XXXX XXXX XXXX on XXXX XXXX requesting proof of this debt or removal of this item from my credit report and for them to cease and disist contacting me regarding this debt if they could not or would not provide me with the information requested. ( I have a copy of the letter but have moved and it 's boxed up someplace ). 

They also contacted me around XXXX of XXXX as well but I did not answer and never received anything from the " Processor '' that threatened to stop by my house or place of business ( I work from home so if they came by I would know ) Last week I received a call from First American Solutions LLC again requesting payment I told them everything that happened two years ago and about the letter I sent in XXXX. The mans response to me was something along the lines of we would n't withdraw money from your account we do n't do that but if we did it 's perfectly legal. He also stated they sent proof 2 years ago, I said I did n't receive it and requested the information again and even gave him my email address. I have not received anything via email or mail since he contacted me mid last week.

Company response to consumer: Untimely response