milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: FedLoan Servicing has constantly put up roadblocks and failed to provide important material information to me in my effort to switch repayment plans to REPAYE. Most recently, they required me to make multiple full months ' payments within a two-week period with new " payment due '' notices popping up literally overnight after making a prior on-time payment. They and also initiated a capitalization of interest on my account which adding over {$12000.00} to my principal balance without notifying me that this was going to happen when I requested to change repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: I just checked my credit score on XXXX and my score on transunion has gone down again. There have been inquires added to my report which I do not understand as I have not applyed for credit. Some of these inquiries that were put on are from the year 2015 how is this possible? I am complaining because I am trying to obtain credit and I am very concious on paying my bills and keeping my credit report accurate. There are disputes I have pending with all XXXX credit reporting company 's however how does transunion add XXXX inquires on my report that they claim were done in the year 2015? this is affecting my score in a negative way and I am very upset how they get away with this information that I did not do.

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 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Some time ago I lost XXXX speeding ticket trials and was forced to pay the fines. Due to unemployment issues I was unable to pay the fines. The fines were sent to GC Services where they got my driver 's license suspended. I sent a cease and desist certified letter to GC Services while I determined what was going on. I found out the GC Services is extorting money from me illegally so that I can get my license back. Since I do n't have the money nor will I for quite some time, I am sure this act of extortion is illegal. This action also places a huge burden on my employment situation since I ca n't drive to get to work. Without a job, how can I pay them anyway? For the record, I fought XXXX tickets in court and from my point of view I won. But was found guilty. I fought XXXX tickets in appeal and from my point of view again, I won. I lost XXXX appeals. I have already filed complaints with every state and federal agency asking for an investigation and so for I ca n't get any help. I am hoping that the CFPB can help. 
I define extortion as an act of forcing someone to pay for something they ca n't. GC Services suspended my license forcing me to pay or I will never be able to drive again. Since I do n't have the money and I ca n't get a job without paying, they are extorting money from me ... illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Credit card debt) with Suttell, Hammer & White, P.S (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX. 

Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me. 

I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC. 
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX. 
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again! 
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied. 

XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted! 

I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ATTENTION DISPUTE DEPARTMENT : CONVERGENT Coi Opened XX/XX/XXXX + {$380.00} Original creditor : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CONVERGENT I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 06/27/2016 about Debt collection (Payday loan) with Worldwide Processing Group, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX XXXX and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with XXXX in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. XXXX was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Systems International, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My XXXX Credit report states that I have a debt collection that was paid for by my insurance that I had when I was working. I had a XXXX XXXX in XX/XX/XXXX. My insurance paid these claims, and I became homeless in XXXX XXXX until XXXX XXXX. I could no longer pay rent and lost my home. I no longer have the paperwork that provides the proof that this debt was paid, because I was living out of my car. I no longer have any vehicle, I am XXXX and I have no way of providing the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had an erroneous collection account being reported on 2 of my credit reports by Hunter Warfield. I  contacted Hunter Warfield on XX/XX/XXXX, by telephone at XXXX and spoke with a supervisor named XXXX XXXX in Hunter Warfield 's Consumer Resolution Department. She advised me that this account would be removed and sent me the attached letter dated XX/XX/XXXX, stating the account was cancelled in their office and it would be removed from my credit reports. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports and I am receiving collection calls from Hunter Warfield stating that I owe this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: This experience with my car loan it 's been horrible. It was my first time buying and they absolutely took advantage of me. Even with a good credit my interest rate it 's 18 %. My monthly payments are XXXX and almost {$170.00} of that goes to the interest. At this pace I 'd never be able to pay off this loan and eventually I 'll have to surrender the car. On XXXX I called Westlake Financial and asked them to help make a payment towards the principal. The phone call was recorded so there 's proof to that, I asked the agent named XXXX to make a XXXX time payment of {$600.00} towards the principal, next thing I know & XXXX of that was taken towards interest. I specifically asked the agent if he could assure me that everything was going to go towards the principal and he said yes. 
So how it 's possible for this to happen when I was so specific about this payment? Their Customer Service Representatives are rude and unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX, 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County. 

Regards, XXXX 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 05/28/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY  XXXX . FAILED TO CEASE AND DESIST.

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 12/20/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed chapter XXXX in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( XXXX ) credit card and line of credit home equity serviced by XXXX was discharged. However the lien was placed on the house. Later XXXX sold the lien to XXXX XXXX ( the current lien holder ). 

The XXXX XXXX XXXX XXXX ( MCM ) sent out collection notice on the behalf of XXXX XXXX XXXX during XX/XX/XXXX. On XX/XX/XXXX, I contacted MCM and spoke with XXXX XXXX at XXXX ext XXXX. XXXX XXXX told me the settlement of {$5800.00} if I pay now will result in removal of lien. On XX/XX/XXXX I paid the agreed amount with understanding that the lien will be removed. 

On XX/XX/XXXX I contacted MCM the status of lien removal from the property and the consumer support at ext XXXX told me of my payment was for the discharged credit card in bankruptcy and has nothing to do with the property lien. MCM representative lied to collect on already discharged debt in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: It is in regards to a loan modification that We did n't request, but were offered by Citimortgage in XXXX of XXXX. The loan modification marketing material they provided us indicated that we 're " already approved '' ... .just sign and return before XXXX XXXX, XXXX. So, we did. Finally after 6 months, we received the " finalized '' Citigroup-signed documents on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received what appeared to be the blank, unsigned loan modification documents yet again. After two full years of making our mortgage payments on time/ahead of time, and according to the terms of the modification, and as shown on my monthly statements, they decided to do a review of the loan modification paperwork. XXXX. The following new statement appeared in the 'My Representations ' section : " I am experiencing a financial hardship, and as a result ( i ) I am in default of the loan document or my default is imminent and ( XXXX ) I do not have sufficient income or access to sufficient liquid assets to make the monthly mortgage payments now or in the near future. 
XXXX. A XXXX new statement appeared in the 'My Representations ' Section : " If the lender requires me to obtain credit counseling in connection with the modification program, I will do so. " We have never been and never will be in default or imminently in default of this or any other mortgage. We do not need credit counseling ; our credit scores are in the XXXX for all XXXX credit reporting agencies. We have no personal debt. We strongly suggest someone look into Citimortage 's business practices, because at best they are completely incompetent, and at worst they are committing acts of fraud against many unsuspecting homeowners as well as the taxpayers via misappropriation of HAMP loan modification incentive payments from the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection that does not pertain to me at all. I have had past identify theft over seas being hurrassed at my job on on my cell phone. I recently applied for an apartment with my husband with not so good credit and my son whom has perfect credit and we all have good jobs. Please help we are struggling to make ends meet n possibly get rid of our debt. Exclude my son. And we have a XXXX yr old. We have money to make ends meet and more. We r homeless now, while others are criminals trying to get over on the system and succeed. We are doing right and can not get a break.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with BMO Harris Bank, which came with a {$200.00} bonus offer to be paid within approximately 120 days of account opening. It has been over 120 days since I opened my account, and I have fulfilled all the terms of the offer, but have not yet received my bonus. I contacted customer service, and they said that they were unable to see the status of the bonus, but that their marketing team was running 2-3 weeks behind schedule. However, it has already been more than 3 weeks since my account was open for 120 days, so even according to their delayed time frame, I should have received my bonus by 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