milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Medical Management, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXdebt collector : Financial Recoveries XXXX 

My name is XXXX XXXX. I sent a dispute letter out to Financial Recoveries using certified mail on XXXX/XXXX/2015. It has been XXXX days since i sent the letter and when i called them, i get different dates XXXX has received it. I then tell them it has been thirty day and the response from Financial Recoveries was the companies XXXX days to responded start from the day it is received the dispute and not the day it is mailed out. is this true? if not, could you look into it. Plus, the collect account is still being reported has open or closed and not " being disputed '' could you pleas look into that and see which is not report Financial Recoveries or the credit Bureau XXXX because Financial Recoveries is saying that it was reported the credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 01-05-2017 about Consumer Loan (Installment loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Taking out the loan or lease

Complaint: I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.

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 06/28/2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (IA).
Issue: Account opening, closing, or management

Complaint: I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a loan modification from Ocwen Loan Servicing on our first mortgage, acct XXXX. Submitted all the required paperwork a minimum of XXXX separate times. 
On XXXX XXXX, 2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00}, and that we needed to pay {$1300.00} to bring the loan current. Against my better judgement, we sent them an overnight XXXX of {$1400.00} using our XXXX. I checked with Ocwen this morning, they received the payment. Anytime we have called their Customer Service we get nearly impossible to past impossible people with extremely foreign accents, and everyone of them claims they can not hear us - we have yell ... .I am attaching a copy of the letter we received, along with bank extracts showing our payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2015 ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an active XXXX account on my credit report which I have no knowledge of I have never had XXXX services before

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On   XXXX     I applied for my free credit report and was denied twice, the first being some hippo code and second was insufficient documentation.

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 02-08-2018 about Debt collection (I do not know) with Kinum, Inc. (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have continued to request for validation and verification of the alleged debt but to know avail. I received a called yesterday from XXXX, and XXXX, XXXX ( XXXX ) XXXX, called me a XXXX and a XXXX XXXX on the phone. I hereby request that you investigate this company. The debt is not mind and i have never received any notice from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CarMax, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and  XXXX  ).  The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all  XXXX  credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order  Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: credit agencies have multiple misleading and inaccurate addresses on my credit report there fore violates FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Bank account or service (Other bank product/service) with LENDING CLUB CORP (PA).
Issue: Account opening, closing, or management

Complaint: I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I received numerous calls stating they were processing a lawsuit against me for cash central and that I would be serve a subpoena to attend court on XXXX of the voicemails I was told if I did n't call back to Watch Out. The debt was about a payday loan that I took out that was sold to XXXX debt collector then that debt collector sold it to national check resolution also go by XXXX recovery services. When I called back the guy I talked to got very rude and aggressive with me as I began to question the matter he said it was because the subpoena was on the way to my house. They told me to give them my credit card number to settle a XXXX loan for {$300.00} or I will have to pay {$1000.00} plus attorney fees and court cost. I do n't know what to do because when I called XXXX attorney they tried to look up the company and told me it was a scam and I need to cancel my bank card but I do n't want to do that and end up getting sue for more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I originally disputed a medical bill from XXXX that clearly did not belong to me. I have never heard of the hospital XXXX XXXX Hospital ( which is what shows as the original debt for {$160.00} ), and its is in a totally different state than I reside in. I have never been to nor have I received services from them I have never even traveled to the city that its located in. The entry was disputed and removed because it did not belong to me and could not be validated, on XX/XX/XXXX after checking my transunion credit report its appears as if it was illegally reinserted. I would like this removed immediately and not reported again to my transunion or and other credit bureau. This absolutely does not belong to me. The impact that this {$160.00} medical bill has had on my credit is detrimental and needs to be removed immediately.

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 04/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was an XXXX XXXX grad of XXXX XXXX, Michigan and recently was informed of the CFPB 40 % reduction deal for students with Genesis loans. I was told the reductions would be automatically applied to my accounts. After a few months with no reduction, I called Genesis and was told that the government decided which loans were to receive the reduction and apparently my loan was not XXXX of them. Is this the case?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I mailed a certified handwritten letter to Equifax ( tracking # XXXX ), XXXX ( tracking # - XXXX ), and XXXX ( tracking # XXXX ) requesting verifiable proof of the following accounts on my credit reports. 
Acct # XXXX, reported by XXXX XXXX XXXX, unverified late payments Acct # XXXX, reported by XXXX, unverified late payments Acct # XXXX, reported by XXXX XXXX, unverified late payments On XX/XX/XXXX, XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copy is attached ). On XX/XX/XXXX, Equifax  and XXXX replied to my dispute however they did not provide me with the verifiable proof I was requesting ( copies are attached ). 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.
Im requesting Equifax, XXXX, and XXXX to remove the accounts listed above since they are unable to provide me a copy of verifiable proof.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the   XXXX   XXXX   XXXX   .  These student loans were opened up unbeknownst to me which I was  XXXX  ( date of  XXXX   Date t he fraud occured :  XXXX / XXXX / XXXX  ; amount  ( s ) :   {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my repo rt (     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and    XXXX   ).     Now, I Have "   XXXX   XXXX   XXXX    ; Dept.  of Education/NEL N ; US Dept.  of Education/GSL/ATL, posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.

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 03/21/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: Upon opening a joint Capital One Account for my XXXX year old son in XXXX, I opted out of Overdraft Protection by signing the appropriate paperwork. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. And at no time did my son and I ever opt in for overdraft protection. At this point it is about {$1500.00} worth. They said that we " opted in '' in XX/XX/XXXX, but have been unable to prove that point. Even if we had opted in in XX/XX/XXXX, the original wrongly charged overdrafts if they had n't been taken out of the account, there would be enough money to cover debits and therefore NO overdraft charges should be assessed in XX/XX/XXXX. I called Capital One Banking on XXXX XXXX XXXX and they reversed XXXX fees and said they would research the rest and get back to me. After five unreturned phone calls and over three hours waiting on hold and countless messages left, on XXXX XXXX, XXXX I visited Capital One on XXXX XXXX in XXXX and met with XXXX XXXX, Bank XXXX. He promised me resolution in a week. As of today there is no resolution and he is still " gathering '' documents. He also told me that it was my responsibility to check my bank statement and if something was wrong to bring it to the bank 's attention in a more timely manner. He indicated Capital One could n't be liable for something that I had n't noticed sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. 

Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Trouble during payment process

Complaint: The complaint and supporting documents are attached.This complaint is against Bank of America, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of America. See complaint number XXXX.On XX/XX/XXXX, Bank of America responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of America. The letter also instructed me to contact Bank of America with any questions. Exhibit APursuant to the letter, onXX/XX/XXXX, I contacted Bank of America and asked for the contact information of its legal counsel in the “adversarial proceeding” referred to in Bank of America’sXX/XX/XXXX letter. See, Exhibit B. Bank of America received my request on XX/XX/XXXX. See, Exhibit C.I have received no response from Bank of America to what would seem to be a very simply question. Does the CFPB not find it odd, that Bank of America will not identify the “adversarial proceeding” it claims to be engaged in, that prevents it from answering my complaint? Further, is it not odd that Bank of America will not provide the contact information of its legal counsel in that alleged “adversarial proceeding?”I am asking that Bank of America identify the “adversarial proceeding” that it claims to be engaged in, that prevents it from answering my complaint. Further, I am asking that Bank of America provide the contact information of its legal counsel in that “adversarial proceeding.”

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 04/24/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: loan  XXXX , per  XXXX   XXXX , wanted a " down payment '' made. A {$100000.00} down payment was made when purchased the home as of  XXXX   XXXX ,  2017.    In  XXXX ,    2017 O cwen came up with a " Shared Appreciation Modification '' was nothing but a great big joke ; Ocwen took my  2 pa yments of over {$6000.00} and wo n't return it ; the loan mod is and was dead ; the modification was for Ocwen 's benefit.   Ocwen wanted to make the loan look current for themselves and investor.   The loan mod was not signed properly, notarized or recorded. It was held over my head while a foreclosure was pending.   Ocwen is trying to modify an interest only loan that 's been interest only from the first day I signed the note. T he Loan is DEAD ENDE D.   This loan needs to be truly looked at because the originator is out of business and so is the company.

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