milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Debt collection (Auto debt) with Prizm Financial Company, LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Made payment arraignments on XXXX/XXXX/XXXX for XXXX to be made on XXXX/XXXX/XXXX spoke with XXXX XXXX he was very rude and nasty towards me. I made my payment on XXXX/XXXX/XXXX and on Sunday XXXX/XXXX/XXXX the took my car saying they did not see the arrangements in the system. On Monday XXXX/XXXX/XXXX I spoke with XXXX XXXX and she told me in her own words she sent out a email to stop the repo but it did not get to the person it was supposed to get too. I lost my new job due to not having my car on Monday XXXX/XXXX/XXXX. it was not returned to me until late afternoon on XXXX/XXXX/XXXX by that time it was too late for me to retain my job. This was totally out of line on this companies behalf.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt and they continue to report false information on my credit report. Defaming my character and causing me a hard time trying to get credit beCause of this false statement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed Chapter XXXX wage earners plan and according to my lawyer, the Credit reporting agencies should report discharge debt as having a XXXX balance and state discharge, bankruptcy or similar, according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ). They are showing these accounts with balances and some with stating past due. I have been on the wage earners plan for 1 year and have paid on time. I am trying to pay, fix and rebuild my credit however, the debt I 'm now paying on time via my wage earners plan is still showing on my report like I have a balance with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Credit card) with Capital Management Services, LP (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct 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 05/18/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: RUSH PLEASE I HAVE SALE  XXXX   XXXX ,  XXXX and i can not do anything. I have loan modification.   Hi, my name is  XXXX   XXXX . I have some very bad issues going on right now with my bank  ( Fay Servicing , LLC )  and about my previous banks. When I opened my loan from  XXXX   XXXX   XXXX  my monthly payment was {$1300.00}. I couldnt pay them anymore due to my divorce my husband left me and left me in the waters. I applied for  a Loan Modification  and they told me to make some trial period payments of {$1500.00}. I paid all three times for the three months, on time. After the payments were done they transferred me to   XXXX   XXXX   XXXX  . I had the same story with them, they asked for trial period payments and so I had no other choice I paid {$1900.00} for  three month s, on time.   XXXX   XXXX   XXXX   transferred me to Fay Servicing , LLC who is now my current servicer. I now have a foreclosure sale for  XXXX . I have sent them all documents but they still have not offered me anything. I have sent them documents again. I dont want them to ask for a trial period payment and then transfer me to another servicer and then go through the same thing the banks have been doing to me twice. I dont even know if those trial period payments I have paid when towards anything like my loan or did they just take it. I want to keep my home and pay a reasonable amount. I have a sale coming up on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constant and repetitive calls throughout the day, sometimes until XXXX, beginning on the first of every month. I am not late. Never been assessed a late fee and pay my bill every month on the day I receive my XXXX payment. I have explained my XXXX situation to OCWEN several times and can not pay on the first day of the month but I do pay every month and am not behind. OCWEN is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I've pulled my report and find an XXXX  Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

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 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with SIERRA PACIFIC MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: This is in response to my prior complaint against Sierra Pacific Mortgage Company wherein they indicated they had " resolved '' my issue. In fact, they have NOT resolved my issue. Since their regulatory department failed to communicate with their mortgage service provider, which is XXXX XXXX XXXX XXXX, they proceeded to undo everything that had already been resolved via my initial complaint to them. They reversed all my payments made from XXXX XXXX, 2017 going forward and took back their {$10.00} fee. They did this reducing my P & I payment on XX/XX/2017 totaling {$1500.00} to Principal and {$1000.00} to Interest by re-applying it as {$1500.00} to Principal, and as {$1000.00} as interest, in essence reducing my Principal Payment by {$10.00}. Now, keep in mind that the issue had already been RESOLVED and they proceeded to undo everything that had already been righted previously in response to my complaint to you. I wrote to them again almost four weeks ago ( ONE MONTH ) asking why they had undone everything that had been corrected, but primarily to ask them to re-apply the extra my payment as originally applied, with {$1500.00} going to Principal. I have since then paid off my balance, so they are owed XXXX DOLLARS, but I continue, one month later to await my {$10.00} which they re-took from me once they started meddling with an issue that had, as stated ALREADY BEEN RESOLVED. And the reason they became involved again, besides there not being any communication between their mortgage department, service provider and regulatory department, is also due to the fact that it takes this company AT LEAST ONE MONTH TO RESPOND TO THEIR CONSUMERS. I continue to await the {$10.00} that they took back by reducing my payment original payment from {$1500.00} to Principal down to {$1500.00} to Principal. They should have left well enough alone ; the issue had been resolved and now it remains UNRESOLVED. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in XXXX 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter XXXX Bankruptcy on top of the Chapter XXXX I filed 3 years ago. Everything was going well after Chapter XXXX until the Navient Private Loan went into repayment again. Navient says because I have a cosigner, they are able to make my payment, but my co-signer says they can not make the payment. I have gone through the financial worksheet with Navient and I only have a disposable income of $ XXXX/month to pay these loans. They claim my cosigner has enough income left that my payment is $ XXXX/mo. I have asked for forbearances and I have been denied. I have asked for help numerous times and I am always told there is nothing that can be done for me. I keep hearing about how Private Student Loan Lenders are working with customers, but Navient has failed to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Title loan) with TMX Finance LLC (FL).
Issue: Payment to acct not credited

Complaint: I dealt with the general manager regarding a loan of {$800.00} and my car as collateral. My account was past due and I had been unable to make payments. He gave me to choices to resolve the issue : either pay payments on the debt or let them pick up the car. I was only going to let them take the car if it fulfilled my debt obligation to them and the account was closed. XXXX XXXX assured me that was going to happen. What he did not tell me, was that the account had already been charged off and there was no collection agency ... the account was already closed. He deceived me into giving up the car instead of making payments. After all, how could he accept payments on a closed. 2 months ago a girl called me from Instaloans informing me they sold the car and I still had a balance. I said that was impossible due to the multiple conversations that I had with XXXX XXXX. After reviewing the notes on my account, she said " No, you are right, there is no balance and the account is closed. After reviewing my credit report, I found that it is posted as a charge off. I wanted to make payments if the debt was not settled correctly. I did not want any negative marks on my credit. This was a complete deception from this company, who says they are their own collection agency. XXXX XXXX as of today XXXX/XXXX/16 says that he ca n't help me. He said the car was sold for {$170.00}! The car was in the same condition it was in when I got the loan!! How can this happen??? XXXX XXXX 's boss XXXX XXXX seems to think this was fair business practice. I have no doubt they are having other issues within this company. I wanted to pay my debt, not be taken advantage of. Any help in dealing with this company is appreciated before they are able to take advantage of others.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Bank of America branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Bank of America ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not authorize hard inquiries on my account affecting my credit score.

This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

Quicken Loan XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that this CAPITAL ONE BANK XXXX XXXX reported 30 day late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30,60 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be  reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
<P/>
The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from XX/XX/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 non-monetary relief