milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with GVA Holdings, LLC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These people have harassed me for years!! I believe it's the same people, they just keep changing their fake business name, but when I speak with them I always recognize the voices from before. They're so demeaning and verbally assaulting. 

They call and say I owe a debt, always, but this time, they claimed if I did not pay the debt over the phone, via credit card or prepaid card, the amount I owe would triple. The " debt '' is never valid, never real. They threaten that a process served would come serve me if I do not pay immediately, but I never get served. 

The scariest thing is that these people have my address! They've harassed me with countless phone calls and voicemails, they've called all of my family members and frightened them. 

These people have gotten away with this for years, and I just really hope they can get sued one day for all of the money they've taken from their victims over the years. 

I've never paid them, but they use scare tactics that I'm sure work for them over and over again, which is why they've been doing it for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing the loan or lease

Complaint: After setting up an auto payment with TD bank for a loan to finance the purchase of a pellet stove, I received a notice that the account was past due. I called customer service to confirm that auto-pay was set up, to which, they said that it was not. At this time, I set up auto pay for the second time and made a 1 time payment. However, the next month, the same situation occurred, with my receiving a past-due notice. 

Additionally, the account was set up so that it would not be paid off before the interest-free period was over, despite my stated intention to pay off the loan before the interest-free period ended. 

I believe that TD bank intentionally did not process the auto payment, and further that they intentionally changed the parameters of this loan so that it would not be paid off in time to avoid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Debt collection (Medical) with Capital Accounts, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX office quoted and agreed to one price for services then charged another for services provided becuase " they did n't know '' that the health care insurance provider was n't going to cover all the cost. Refused to adjust pricing and send to collections without first contacting customer about " change '' in the cost of service or adjusting pricing to reflect what was agreed upon. Provider send debt to collections and now refuses to remove delinquency from credit beaureu agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (OH).
Issue: Problems when you are unable to pay

Complaint: For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.

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 monetary relief
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with Eastern Asset Services LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.

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 01/24/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding continues to report a duplicate account to all of the credit reporting agencies despite my efforts to get them to validate this debt. The original creditor is showing on my credit report and so is Midland. When I learned of Midland I asked them to validate the debt and they did not respond. This is a violation of FDCPA 809 ( b ). Since they refused to respond to my request for validation I disputed it directly with them and they ignored that and did not report that I had disputed it to the credit reporting agencies. That is a violation of FDCPA 807 ( 8 ). Basically Midland Funding is employing every predatory tactic there is to collect a debt that is beyond the statute of limitations. They also re-aged the account on the credit report. That is a violation of FCRA 605 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Me and my wife have been fighting Owen lending services for 8 months. It started when they raised our payment XXXX XXXX dollars a month. My wife called them they said that was are payment and they would have research it so that went on for six months we made the payment then all of a sudden are payment is back to normal. Just recently we get a call stating that we are late when we have made all payments in the full amount and on time. I need help dealing with these people! I have online there is so many people complaining about the same things with this company I can not believe they are still allowed to do business in this state. I hope you can help us

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently found that at the time of my loan closing that my loan for XXXX at 5.875 % 30 yrs simple interest had been changed to 6.875 % FOR TEN YEARS. 
and could go up to 12.875 % BY GOING UP 2 % every six months. I DIDNOT SIGN FOR THIS. 
MY loan broker discovered this and told me i neversigned up for this and he never made me aloan likethis. I declined to pay and they are foreclosing XXXX XXXX XXXX XXXX at XXXX XXXX. I need help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2016 I used my American Express serve card to try and withdraw {$200.00} from my account at a ATM. There was an error on the transaction and no money was dispensed but {$200.00} came out of my account. I reported the dispute that night and did everything required on my end but still have n't received a provisional credit and they still have n't resolved the issue. It 's been past the 45 days they said would be the maximum time it would take to resolve. Everytime I call, they tell me different information and will not let me contact the dispute team. I am very unsatisfied with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received paperwork from Wells Fargo approximately in XXXX of 2009 regarding a private student loan that I owed. When I contacted Wells Fargo regarding this student loan account they had no information to provide to me. They could not tell me how/where they obtained this loan from, when they " bought '' /obtained this loan, etc ... Since that time I have contacted Wells Fargo on numerous occasions asking about this loan and received the same " answers '' over and over again. No information has ever been provided to me about this loan, or where this loan came from. I get a monthly statement that I have continued to pay out of fear of collections or negative impacts to my credit score. I have also contact Wells Fargo numerous times requesting my monthly payment to be lowered due to my income, housing bills and being a single mother. They have told me over and over again that because this is a private student loan they have nothing to offer to me that could help me lower my payment nor do they have any obligation to offer me anything because it is a private loan. I never once received any loan disclosure statements, never once did I sign ANYTHING for Wells Fargo for a private student loan, nothing at all that would make me feel like they obtained this " loan '' on the up and up, so to speak. My biggest concern here is if this account is even legitimate or if I somehow have been affected by this huge scam of fake accounts that has been brought to the attention of the public. If I have been affected how would I know? Who would I contact? Where would I go? If I have n't been affected or " scammed '' what are my options for help with private student loans? I really need help with this and help with trying to figure all of this out. Thank you very much for your time.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (CA).
Issue: Taking out the loan or lease

Complaint: My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My loans were supposed to be placed in a deferment status while trying to attend school and they ended going into a delinquent status causing negative damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On approximately  XXXX   XXXX  my son moved to Oregon, and when I checked flights so I could visit, I found that   XXXX   XXXX   had service from   XXXX   XXXX   XXXX  . While I was looking at flights on my tablet I saw an ad for a   XXXX   XXXX   branded Visa card offering mileage benefits. I signed up, supplied name, address and requested info and submitted the request. After the submission a popup appeared with terms and conditions and I noted there was a {$75.00} fee. That day  I  tried to find a contact phone number on the popup, to complain that there was NO notification of the fee prior to the submission action, but I was unable to find an active number. I wrote myself a reminder to contact the company after I received the card, with the intention of simply explaining the problem and cancelling the card ( and the fee ).   Yesterday,  XXXX   XXXX ,   XXXX  , the card arrived, and I called the number on the back (  XXXX  ). After explaining the problem to the agent, I was informed that it was my problem, and that the fee was expected to be paid even if I did not use the card.   I feel that their web-based promotions are badly presented and purposely misleading. I would like Bank of America to cancel this credit card account and remove the {$75.00} fee. If this resolution is made after the date this {$75.00} fee comes due, and I am forced to pay any yet to be received invoice, I ask that that amount be refunded to me via check. I further ask that there be NO negative credit report issued because of this misunderstanding.

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 monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (AL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I have received an unsolicited check from a loan company called "  XXXX   XXXX  '', and the check is connected to a form provided by a credit rating company named " Clarity Services '', and instructions are provided for opting out, and I did call the number provided,  XXXX , and I talked with someone there who got my name, date of birth, phone number, etc., but she wanted my Social Security number as well. Apparently my Social Security number is floating all over the financial world attached to my credit rating, and the only way to stop this avalanche of unwanted, unsolicited offers for loans is to provide my Social Security number. I have been warned countless times not to give my Social Security number to people on the phone or in writing without a very good reason. I asked to speak to a supervisor,  XXXX , I think his name was, and he explained that the only way they could confirm that I am the person making this request was to provide my Social Security number. I do not want to get these offers for loans. If I ever needed a loan, which I believe is unlikely, I would go to my federal credit union, not  one of  these loan companies which send out {$900.00} checks to any and all. Is there no other recourse for people like me who do not want these credit rating companies sharing my information all over the place? Must I give them my Social Security number in order to opt out?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo dealer services repossessed my travel trailer. This was a voluntary repossession on my part. I became permanently XXXX. I am XXXX % service connected XXXX and receive XXXX, I could no longer afford the payments. After repossession however under XXXX state law I was suppose to receive notice of sale in writing, which I was never provided. Wells Fargo Dealer Services has been unable or unwilling to provide proof of notice. This is a violation of law, therefore Wells Fargo must cease all credit reporting of this account on my credit reports, it must be deleted.

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