milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: This company is in violation of the USA laws. We are currently in active Bankruptcy and they have contacted us instead of our attorney and attempted to collect money. The last executive was rude and disrespectful to my husband and we do n't have to be putting up with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo bank and it subsidiary ASC America Servicing Company is stating that I have a Mortgage loan contract with them. I never signed a contract with them and I want them to produce a copy of the contract with my wet ink signautre. The mortgage company has also called me with threats and put papers in my mailbox for foreclosure at XXXX XXXX XXXX XXXX XXXX New York. They are also dual tracking me on top of all of this. I never entered into a contract with this mortgage company. Wells Fargo and its Subsidiary are predatory in nature. I also made payments for the hamp program but my money was stolen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Consumer Loan (Installment loan) with CREDIT ACCEPTANCE CORPORATION (SC).
Issue: Problems when you are unable to pay

Complaint: Here are my concern, I am upset and annoy that Credit Acceptance would not understand my problem. I explain to them that I am victim of flood that hit state of South Carolina in XXXX XXXX. Because of the flood, it is the reason I am have trouble making payment of my auto loan. This flood damages my home and also put me out of work for few months. Now I had this auto loan since XXXX XXXX and always made my monthly payments on time and more than what is asked to be paid. My monthly payment is {$280.00}, but I always made {$300.00} monthly. On Friday night I made a payment of what is owe leaving me a balance of {$60.00}, so when I got home later that night I find that my vehicle were missing out my backyard. After calling the police to file missing report my vehicle is gone, the officer told me to call the financial company first because they may have it. If Credit Acceptance told you that they done then call back and we file missing vehicle report. I call Credit Acceptance ask where my vehicle is, nobody could not answer my question until next day. Credit Acceptance wanted me to make payment arrangement for the balance amount of {$60.00}. I am confused is what I explain to them because I do n't understand if my vehicle has shut off system on it, then why come and get the vehicle. I got no answer ; instead they wanted me to make arrange for the balance amount of {$60.00}. When I questions them about state of South Carolina law on repossess of vehicle, here is what Credit Acceptance told me " we are second chance auto loan provide and we do n't have to give rights to notice letter. '' I call the dealer to explain my situation and the dealer were very shocker because he was told if you communicate with Credit Acceptance they would never come get the vehicle. 
So I had to pay a fee of {$250.00} to get my vehicle back, and {$50.00} fee to towing company that clean out vehicle. Not to mention the cost for travel to get my vehicle from XXXX, SC at auction. The Credit Acceptance told me that I still had fee to pay on top of my regular monthly payment. That fee came too totally of {$850.00}. Credit Acceptance break down into monthly fee attach with my monthly payments.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Our home loan belonged to XXXX and was sold XXXX bank, who then sold us to Deutsche bank out of La. We have been trying to do a loan modification for the last 5 years. They have lost our paperwork and or did n't send in the right stuff when it was all listed what they need. So I want to file a complaint on them to see they are wrongfully foreclosing on us. The foreclosure sale date is supposed to XXXX XXXX 2016. So I need to get this expedited if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On three seperate dates I 've mailed the CRA 's a letter as follows : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. ( I have left out the accounts for privacy reasons ) Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

I have not received any such documents as of this date.

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 03-10-2017 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: I had multiple accounts with TD Bank for a year or two and then ran into financial trouble. A check bounced and one of my accounts with TD was overdrawn and subsequently closed out by them due to the negative balance. I assumed they were closing out my other accounts as well however they are telling me that they have placed a " freeze '' on these accounts which means the funds cant be touched and the accounts cant be closed until I pay them for the one account that was overdrawn. They are still charging me fees on accounts every month even though I cant access the $ 400+ still in the savings and checking accounts and it seems illegal to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Professional Finance Company, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Name of Creditor : Professional Finance Company Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX, CO XXXX Re : XXXX XXXX Amount : {$590.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit card () with TD BANK US HOLDING COMPANY (KY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not have a credit card with Target. This is fraud and was not opened or used by me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my  credit score  report from Experian, it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was  excellent.

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 12/16/2015 about Debt collection (I do not know) with Ridge & Valley Realty, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed a medical bankruptcy after talking to XXXX different XXXX and was advised by them all that a bankruptcy was my only option. First of all my attorney failed to notify me that I had a lean put on my home. Then when I sold my home I ended up paying a settlement that I have documents that show the debt was discharged in bankruptcy. My lawyer, XXXX XXXX XXXX Colorado, is claiming it was my responsibility to know that I had a lean. I was told by them, after they had taken my money, not to worry about anything they would take care of it all so how was I suppose to know. The lawyer in my closing said that Credit Systems XXXX Colorado is collecting on a dept that was discharged in the bankruptcy and therefore illegal because there is no debt to collect. I could n't wait the 6-8 weeks to reopen the case and get a judge to drop the judgment so I had to pay the amount. Called XXXX parties and getting the run around from them XXXX. Want to know if there is any recourse in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Credit card) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ProCollect took on an alleged debt from XXXX XXXX XXXX XXXX for a {$41.00} charge to me that was never even sent to me by XXXX XXXX XXXX, and ProCollect posted this alleged debt against my credit without ever trying to collect it from me beforehand. In order to get my credit score back to normal, I even paid ProCollect this {$41.00} over a month ago and they still have it lodged against my credit score. I 've called them twice, given them the check info ( they cashed it on XX/XX/XXXX ) and they continued to play ignorant about it all. What can I do now?

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 05/22/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had already settled the Debt with XXXX XXXX, 2013 Authorization to XXXX XXXX XXXX, NY, Completed Details - {$250.00} XXXX Merchant : XXXX XXXX XXXX, XXXX XXXX XXXX NY, Purchase Date : XXXX XXXX, 2013 Authorized Amount : - {$250.00} XXXX Authorization Date : XXXX XXXX, 2013 Time : XXXX XXXX Status : Completed XXXX XXXX XXXX XXXX XXXX But PORTFOLIO RECOVERY SERVICES of XXXX XXXX XXXX. XXXX. VA XXXX Phn : XXXX XXXX XXXX XXXX XXXX is trying to collect the same debt again .... 
Says they bought it from company called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, and the information of millions of other Americans, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Three Equifax executives sold shares worth nearly {$2.00} million in the company days after a data breach was discovered -- THIS IS IMPROPER. They sold shares before informing anyone of what had happened. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
I have already requested a credit freeze through XXXX and XXXX costing me {$10.00} per credit service. I will need to pay Equifax to freeze as well. ( Even though Equifax is the one who screwed me over in the first place. ) I will need to pay {$10.00} each time I want my credit unfrozen ( even if temporarily ). 
This Is Not Acceptable. 
Someone needs to pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: My count number is ending XXXX. I am repaying then thru XXXX XXXX in Wyoming who set up the repayment of {$210.00}. I had credit card protection for over two years when I got laid-off XXXX, of 2012, The insurance only paid for 12 months even though I paid the full amount till my unemployment ran out. The insurance company said they only pay 12 months and the criteria changed they now pay 24 months but I never received any notice to that effect. I paid all those months for no protection over one year and 6 months. This is not fair for which I told them but they did not want to hear my complaint. Please look into to and let me know if I will be a participant in the Citibank Settlement. The new criteria is for a new issue not my problem. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$26.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home is being foreclosed and the bank has denied my short sale. We are asking that the foreclosed date be postponed so that we can get the home sold. Carrington Mortgage Services would rather foreclose my home and have a permanent mark on my credit than to have my home sold and a positive spin be added to my credit history. Also, I just received counseling from a HUD Counselor Member and was just told about the XXXX program. I was never given to the option to utilize the Partial Claim. My husband lost his job and has had no income in the last 3 months. For the past year and a half his employment has been below his normal income capability due to conditions XXXX. I have attached a copy of the Residental Contract for the Short Sale which was denied and also the Carrington Mortgage Statement. I would also like to add that my husband is a XXXX XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (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: I am writing again in great concern of Equifax allowing a company, named XXXX XXXX XXXX, which I have investigated, that is located in XXXX, WI, to put a {$150.00} debt on my credit report. I have never had any relationship, dealings, nor had any business provided by, nor with this company, ever. This company is listed as a family business/collection agency in XXXX, WI -a place where I have never resided, nor done any business and yet, Equifax has allowed this debt to remain on my credit report. This company has no proof of dealings with me, or of providing me any services and yet, Equifax sustains the {$150.00} on my credit report. 

I wrote in concern back on XXXX XXXX, XXXX to the CFPB, explaining that this debt was on my credit report under Equifax and that it did not belong to me. The CFPB allowed them an additional 30 days to get the proof. Still, to this date, I have not received the proof from Equifax. They sent me a note through the CFPB portal with a note stating that the reinvestigation proof of the debt was sent to me on XXXX/XXXX/XXXX and that they mailed it to me on XXXX/XXXX/XXXX. Still to date, I have not received anything from Equifax. And to receive anything after XXXX/XXXX/XXXX, after receiving an additional 30 day extension by the CFPB, would be considered late. XXXX and XXXX had deleted the this off my report due to no findings of this debt belonging to me, nor of the company proving they ever had any dealings with me. I am not sure what proof that Equifax is stating that they have from the company when I have never dealt with them before, nor have had any dealings with them. 

I would like for this debt to be deleted from my Equifax credit report, especially being that it does not belong to me and because Equifax has not proven that I owe this debt to the company named XXXX XXXX XXXX, located in XXXX, WI. Additionally, Equifax was not responsive in proving and supplying the proof to me within the 60 days given by CFPB. This is the only negative activity on my credit report and I am kindly requesting that the CFPB have Equifax remove it immediately, without further delay. I am very unsatisfied with what was suppose to be an investigation -which they called a reinvestigation. Equifax had not investigated this case until the CFPB became involved and I still do n't believe they have done so because I never received any proof from them, although they stated on the CFPB portal that proof was sent to me. Again, I have not had any dealings nor business with this company, which would prove that I owe them {$150.00}, therefore, I am requesting that Equifax remove the debt, immediately, without further delay. 

Thank you so much CFPB and I look forward to hearing back from you!

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Payday loan) with National Arbitration Forum (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I never received any written communication regarding this debt. XXXX XXXX called me on Friday, XX/XX/2016 and left me a voicemail on my cell phone stating he was a private investigator and threatened to pursue legal action without even speaking to me to let me know what it was in regards to. Left the same message at my parents home, my grandmother, and my boyfriends home. I called them back immediately and XXXX XXXX told me if I did n't take care of the debt by the XXXX of XXXX which was two days away that he would be at my home between XXXX and XXXX and were going to serve me with documents and take me to court. I advised him that I wanted to settle the debt and that I was unaware that I owed anything as the last payment should have come out of my checking account which was closed at XXXX XXXX XXXX XXXX when I got divorced. I tried to call back later that day to get a settlement offer and pay the debt, however they we 're closed. I received a phone call on Monday XXXX XXXX, 2016 and this time he did not leave a message. When I called back immediately, I pressed XXXX per the automated system and spoke with a Rep. Named XXXX XXXX. XXXX XXXX advised me that XXXX XXXX was handling my case but had left the office for the day for a meeting. I advised XXXX that I am unemployed at this time, but I had {$300.00} and that I was willing to pay {$300.00} today to pay the debt in full. He placed me on hold to obtain authorization for the settlement and came back on the line and told me it was approved and we proceeded to make the payment. He advised me that a receipt would be mailed showing Paid in full. At XXXX, I received a call from the debt collector and XXXX XXXX XXXX called to advise me that I did not speak to him when I called and that the offer that I received was invalid and that he would be refunding me my money and pursuing legal action. That XXXX, who works for the same collection agency and received approval for the settlement amount did n't have his permission to handle my account and that I needed to pay an additional {$260.00} to pay the account off. He said that I went behind his back and made an arrangement without his permission and continued to get very ugly with me and threaten me with legal action after the agreement was already in place and the money had already been drafted from my account. So basically because he wanted more money, he is trying to tell me that my payment will be returned and that the verbal agreement I made with XXXX XXXX who drafted the money from my account and told me it was paid in full after receiving authorization from his superior is invalid.

Company response to consumer: Untimely response