milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Debt collection (Auto) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Finex called me a few weeks ago about an outstanding car towing debt from a car I do not own nor has it ever been in my possession. Now they reported it to the credit bureaus significantly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with Pollack & Rosen, P.A. (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: In 2009 XXXX and XXXX " represented '' XXXX whom had purchased a debt from XXXX XXXX whome purchased from XXXX Bank, and the representative prior to us meeting with the judge coherced me to sign a settlement form by stating whom did I think the judge would believe me or her an attorney and besides since I was going through a divorce at that time most likely I would file bankruptcy and as head of household no one could ever come after me. NO ONE EVER VALIDATED ANY DEBT AMOUNT. Then I recently had Rosen and Pollock try to garnish my wages stating I owed XXXX ( per a XXXX XXXX ) Then when called on this to complete a payoff a XXXX informed me that I neglected my debt I had a contract with them, she mentioned that she was an attorney, an attorney representative and also XXXX that is no longer around. The problem all along with this was that the XXXX XXXX institute did not honor their contract and by breaching that contract I should not pay for a XXXX for which I can not use. I get the run around with lasik and any credit to be offered has to be through them and routed accordingly. I dont have a problem paying what is fair and just but not the almost XXXX XXXX stated I owed because I had not paid my bills.

Company response to consumer: Closed
Consumer complaint received 03/28/2017 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (DE).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.

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 07/15/2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (TX).
Issue: Managing the loan or lease

Complaint: I signed a loan with XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX, that has since been transferred to Navient. During my initial repayment period, I had no issues with Navient. Since they have " updated '' their website, I do not receive e-statements ( causing me to send late payments ). For the past year I have been XXXX and on automatic deferement. When I ceased to be XXXX, I never received a statement ( paper or email ). The initial contact was from my mother ( she is a cosigner and received mail ). Shortly after I received an email saying I was deliquent. This was in XXXX XXXX. I immediately made arrangements to pay made sure all my prolfile information was updated. To date, I am still not receiving statements, but yet I get non-urgent email regarding change of payment address for the servicer. I also understand they have many consumers and can not indefinitely store previous statement/payment information, but consumers should always have access to the original promissory note they signed for an account, without having to call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Struggling to pay your loan

Complaint: Beginning in XX/XX/XXXX until XXXX 2017.

My wife and I have been notified by mail and we understand that we owe Lendmark Financial. The number of times they call her at work, on her cell, call my cell repeatedly and our home number is unacceptable. It is an all day every day calling process and I would like for it to stop. I have talked to someone once before about calling me at work. It has since stopped, but calling multiple times a day at my wife 's job, calling our home and or cell phones is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Settlement process and costs

Complaint: I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (OH).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I got behind in my vehicle loan beginning with the  XXXX  payment. I scheduled  XXXX  months of payments to come out on Friday  XXXX   XXXX   XXXX  . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for  XXXX  with them. Then they took out {$650.00} unexpectedly on my account at the same time  First Investors tr ied to take their payments. The bank paid the lower amount  XXXX  {$650.00}  ) and returned the First Investors payments. I am distraught and confused. I called First Investors as  soon as I realized what happened  XXXX  prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having  XXXX  in   XXXX   of last year. Also, if I do not have a payment in by the end of  XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account  XXXX ,  XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.

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 02/26/2016 about Consumer Loan (Installment loan) with Buffaloe & Associates, PLC (TN).
Issue: Problems when you are unable to pay

Complaint: I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's 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 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I placed a {$500.00} deposit to lease  XXXX  cars from  XXXX   XXXX   XXXX  on  XXXX   XXXX   XXXX ,  XXXX , NY. on Saturday  XXXX   XXXX ,  2017 . On Saturday I was told by the salesman that I was approved and asked when would I like to pick up the cars. I even test drove  XXXX  of the cars on Sunday and was reassured that we were all good.     On Monday I received a frantic call from th e Business manager, sa ying I was not approved for tier  XXXX  credit but he did get me approved at a slightly higher payment and a bit more out or pocket. That night when I went home I learned from my credit report service that my credit was ran   XXXX   times between  XXXX  and  XXXX  through many different lenders. I then called and asked why they ran my credit so many times and the business manager said he has been " doing this 40 years and if he had to call me to get my approval before he contacted each bank he would be out of business ''. I immediately cancelled my deal as I would never want to do business with anyone like this.     Bottom line, I never authorized them to run my credit and certainly not 9 times through multiple banks and I was never asked or informed along the way. Furthermore, they were very arrogant and said this is the " way they get deals done ''. I am strongly considering a refinancing of a home equity loan and these  XXXX  inquiries will hurt me in obtaining credit at a reasonable rate.     In my view this is no different than what happened at  XXXX   XXXX  with the opening of unauthorized accounts. My credit report was ran 9 times without my authority and this is a violation of all fair business principles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (KY).
Issue: Taking out the loan or lease

Complaint: XXXX County Ford Dealership faked my signature on a credit application for a {$3500.00} cash advance from Ford Credit Services. I discovered this issue once I received the payment booklet for the XXXX/Ford Credit Services in the mail. I am XXXX years old and was taken advantage of by Ford Credit Services in this transaction. 
I did dispute this loan with Ford Credit Services and was told by them that they did not have RESEARCH whether fraud was committed against me that they instead dismissed my Consumer Credit Loan Dispute without any investigation, since they received a letter from the Ford Dealership that I did agree to the loan with them even though their was no evidence presented by the dealership to Ford Motor Credit that I did apply for this loan. 
I believe Ford Motor Credit Services should be fined by the XXXX Government for not upholding my legal rights under Regulation Z of the fair credit act, since they directly told me they did n't investigate any fraud activity and simply agreed with the Ford Dealership. 

I want Ford Credit Services to investigate my fraud claim and if found that fraud was discovered have my Ford Motor Credit Services / XXXX loan closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection letter from this company and have not had XXXX XXXX XXXX since 2002. 13 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Application, originator, mortgage broker

Complaint: my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: This is concerning the Equifax breach. I submitted my information on equifaxsecurity2017.com to determine if I was affected. The system said I was and that I should enroll in the protection program. I entered my information as requested, and was told I would receive an email link in the coming days to finalize enrollment and activate my product. I received the link a day later. Each time I try to finalize my enrollment, I receive an error message that states : System Unavailable / We are unable to process your request at this time. Please try again soon.
I have deleted by browsing history and cache, in case it is a computer or browser issue, tried again on different days of the week and at different times of the day, in case there is high traffic - approximately 8 times - with the same result. I have also called the number on their website for personalized assistance ( the phone number has since been removed from this area of the website above ) and the person with whom I spoke said he could n't help me. 

Prior to reaching out to cfpb, I called Equifax to place a fraud alert at XXXX and was unable to speak with a human. Their phone tree went in a constant loop and eventually hung up on me when I pressed zero for a representative, after pressing other numbers to also reach a representative. 

So not only have they been breached and my personal information is affected, I can not freeze my accounts in the manner in which I was told, to protect myself from imposters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Credit decision / Underwriting

Complaint: I had a mortgage with XXXX XXXX XXXX that was sold to Carrington Mortgage Services. Carrington then contacted me via phone regarding their " no out of pocket '' /no cost rate reduction program that would lower my interest rate and payment. When I inquired " why '' /how they made money, the rep indicated that they wanted a portfolio of people paying their mortgage to increase the investment value of the company. He also continued to stress that this would be better than a traditional refinance, because I would avoid costs, appraisals, etc. He often said we needed to act quickly to lock in the rising rates - and so he could send over the disclosure for me to sign. I asked for a breakdown on the payment ( P & I vs. Escrow ) and he did not supply. Also, there was never a mention of additional costs/fees/etc - only that my payment would decrease. When I looked at his recap - I noted he had added on XXXX {$7000.00} to the current value of my loan - without ever having been mentioned. I questioned this - and he explained there was a FHA insurance fee rolled in. I did not go forward with the refinance - but, am concerned that others may be deceived.

Company response to consumer: Closed
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to properly investigate this issue

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I checked to see if I was part of the Equifax hacking leak on XX/XX/XXXX using the Equifax provided checking link. I received a mediocre response in that they said i " might be affected by the hacking ''. This is unacceptable it should be a yes or no response. Also, I asked a friend to check to see if they were effected by this incident using the same Equifax checking website and their response was identical on XX/XX/XXXX a few hours after I had check if I was involved. I believe this to be a fraudulent response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a documented 2 closed accounts with XXXX XXXX that states on all three credit reports that i have viewed, that my acct. with XXXX XXXX credit card was closed and a charge off. Therefore XXXX XXXX has sold the debt that i supposedly owe as of XX/XX/XXXX with starting Credit Limit off XXXX . It is reported up till this day as late payment each month. Which is also utilizing my credit at 122 %. I have written an E mail to the CEO of XXXX XXXX and received a call from XXXX at XXXX XXXX  Executive office XX/XX/XXXX, with no resolution of fixing this matter. I am unaware of this acct. and any missed payments. If the acct.is even mine and closed why is it still reporting missed payments as of this day? These acct. need to be validated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction problem

Complaint: I sent {$670.00} plus a {$33.00} fee with western union on XX/XX/XXXX. The money should have been available on XX/XX/XXXX but when the receiver went to pick it up he was told it was on hold. Then I suddenly got an email saying it was picked up, but it was never picked up. Ive contacted them multiple times just to be told the money was picked up. I think an employee stole the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries.
If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.

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 01/30/2018 about Debt collection (Medical debt) with Bay Area Receivables, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Medical) with EOS Holdings, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I underwent an XXXX, prior to XXXX. This was paid to XXXX XXXX XXXX. Due to overpayment, I received to checks from XXXX XXXX. However, they continued to send statements. I do not understand why I would received overpayment checks if money was owed to them. In addition, I attempted to pay online, and there is no balance owing. I received letter from EOS CCA collection office on XXXX/XXXX/2016. Here is copy of my letter to them. I also have submitted check to them, dated XXXX/XXXX/2016. 

EOS CCA XXXX. XXXX XXXX XXXX, MA XXXX To whom it may concern : I am writing this letter and submitting check to you under duress. This ongoing dispute with XXXX XXXX is way beyond a joke. Why am I submitting check? I am disgusted with their inability to operate their financial system, and then to pass account to collection agency. 

This copay was submitted online. I then received XXXX checks from XXXX XXXX re overpayment ; now there 's a thing. Unfortunately, I did not document, as I did not have a crystal ball, and did not realize I would have to deal with people that should not be in finance positions. I continued Type to enter text to receive letters re the amount of {$46.00}. 

My wife contacted XXXX XXXX and advised them of this, per last statement XXXX ; payment was due XXXX. Unfortunately, she did not request name of XXXX XXXX representative. My wife advised lady that she would immediately make another payment online. Guess what? No balance due!!!! Go figure. She attempted several times with, I may add, the correct information ... No balance due!!!! No balance due!!!! I certainly could not understand this. It probably was due to the fact that NO BALANCE DUE!!!!! Surprise, surprise, I received a collection notice. Of course, I am incensed at the stupidity of all concerned. 

My wife contacted XXXX XXXX AGAIN yesterday, XXXX XXXX. She spoke in depth with XXXX from billing department. Conclusion? XXXX suggested calling another number, as she could not provide any pertinent information ... .or she knew nothing. To say my wife was frustrated is an understatement. 

On to your letter, which states one can pay online. Guess what? You have a technical issue and would not allow online payment ... I have never in my life been so utterly frustrated and angry and shall be forwarding this letter to FTC with official complaint. Let 's face it, why on earth would XXXX XXXX send me XXXX overpayment checks, yet not apply to what they say was owed to them? To reiterate, I am paying this check to stop everyone harassing me. Crazy is not the word!!!! This is wrong, wrong, wrong, wrong!!!!!!! 

Sincerely,

Company response to consumer: Closed with explanation