milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with National Commercial Services, Inc (SD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/2018, I received a phone call from NCS about a debt that is owed for a car accident. The representative on the phone stated that they are going to file paper work to sue me and have my driving privileges revoked for failure to pay the balance. I l have asked them for the final bill along with the details of the bill. They have told me they dont have a final bill yet and they want me to set up a payment agreement without knowing what the balance is and why I am receiving the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Payday loan) with Zenith Financial Network Inc (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2017 debt collector tried to run my credit card for more than they were authorized to run it for. This is a debt for my husband that they called me looking for payment. I authorized them to collect {$240.00} on Monday, XX/XX/XXXX. The payment was not run until Tuesday, XX/XX/XXXX at which point an interest payment from the credit card company was run. When XXXX called me to let me know the payment did n't go through I told her to run it again Friday. She told me that " they '' only gave her until Thursday to collect and wanted me to pay something that day. I told her I would be able to pay Friday. This morning, Friday, I woke to find that at XXXX she tried to run the card for {$270.00}. Not a huge amount but if they are doing this to other people it adds up. She also told me there was no way to pay other than making a payment over the phone. I just went on their website and made a payment using their online system.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services ( AES ) is reporting inaccurate derogatory information on my credit reports. AES is reporting that I was late on my student loan from XX/XX/2013 to XX/XX/2013. This is inaccurate because my loan was in a forbearance period during that time. I respectfully request that AES remove this inaccurate derogatory information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check that was cashed and posted onXX/XX/XXXX when at the end of the day the account balance was {$36.00} after the check was cashed.Also I made a {$600.00} cash deposit on XX/XX/XXXX. Wells Fargo is assessing overdraft fees prematurely this same issue has happened in the past. In the past instance wells fargo only refunded half of the fee as a " courtesy '' when it should not have been assessed in the first place. That is shady business.

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 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Credit Central Holdings, LLC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (I do not know) with LENDING CLUB CORP (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: In   XXXX   XXXX     I received a letter from  XXXX   XXXX  stating they were collecting on my  JCP credit c ard account with balance due of {$640.00}. I responded back that had an active and current account with  JCP and perhaps there was fraudulent activity. The response back demonstrated that JCP was sending bills to a ve ry old address in another state even though they had my correct address on my active account. I often shop without my physical card and it is possible the cashier charged my purchase to an old account that apparently was still open. I responded that while I could not definitely dispute the purchase, I did not feel is was fair to pay fees and charges for past due billing that was never properly sent to me. I offered to settle for the amount of the purchase and requested that my credit history be corrected since I was never given a fair opportunity to make payments. In   XXXX   XXXX     I received a letter from  XXXX  saying they were no longer pursuing collections. I have not received any further communication and assumed JCP was not interested in receiving a settled amount and that my credit history was corrected as requested. I recently found that  JCP  still reported me as a Charge-Off and I have   XXXX  d elinquent payments reported. This is impacting my  Credit Score  and my opportunity to obtain a  Home Equity Loan . I do not know how or why I have  XXXX  account with  JCP but  this seems unfair to me. I confirmed with Synchrony Bank they received my dispute last year and they never completed an investigation.  I hope CFPB may be able to i ntervene on my behalf.

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 12-09-2015 about Mortgage (Conventional fixed mortgage) with MORTGAGE LENDERS OF AMERICA (TX).
Issue: Application, originator, mortgage broker

Complaint: I had put in that I was interested in a mortgage with XXXX. I was inundated with emails from XXXX XXXX even though I never responded. He called many times until I finally answered. Although I told him I was not interested in a VA loan he would not let it go and I had to finally be rude and cut him off to tell him I was done with him. When a customer says they do n't want to do something then that 's where it should stay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 07-09-2015 about Consumer Loan (Vehicle loan) with DriveTime (NV).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: in XXXX I have paid my Kohls charge on the day it was due the XXXX on the statement it says it is due on the XXXX ... and if it is late you will pay a {$37.00} late fee. it also says on bill you can pay bill or call the 24 hour automated system and lists the number. Well I do that but If you call past XXXX it charges it to the next day and then you get a late fee. 

I paid it on the date it was due and the bill does not say it has to be paid by XXXX XXXX  ... but I have been charged 9 times late fee for paying in after XXXX on the date it was due.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: The Lender has not correctly calculated the debt. The Lender is trying to foreclose on a debt that is false, and inaccurate. This is a violation of the Fair Debt Collection Practices Act. In addition, the misstated debt is incorrect as far back as 2006. The interest paid in 2006 XXXX- statements is misstated. Thus the current debt is off by many thousands of dollars. See the Certified Mail sent to Shellpoint Mortgage Servicing, as attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, XXXX and SLS, Specialized Loan Servicing LLC, has hired an agent in a XXXX XXXX XXXX, WA license # XXXX, to take pictures of our home on a monthly basis. We have a motion sensor camera system that has documented this trespass monthly. This XXXX/SLS agent is doing so by coming down our private road without our permission. XXXX/SLS is now notified that they, or their agents, do not have permission to travel on XXXX XXXX. XXXX, XXXX, WA XXXX on foot or in any vehicle, as it is a privately owned and clearly marked PRIVATE ROAD. We demand that XXXX SLS, and their agent, XXXX XXXX cease and desist from this trespass on private property and harassment and STALKING of XXXX and XXXX XXXX .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Trouble during payment process

Complaint: PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years. 

XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My grandfather 's XXXX insured reverse mortgage seems to be apart of predatory lending and fraudulent mortgage practices. 

After reviewing documents sent from what I thought was a mortgage servicer XXXX, I discovered that the HUD insured reverse mortgage my grandfather took out had multiple loan numbers attached to it and reverse mortgage foreclosure documents that do not match the terms from the recorded deed of trust. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are listed on these documents. Mortgage documents appear to have been merged together and recorded documents are not signed under penalty of perjury ; and are inaccurate ; incomplete ; and unverified. The recording of a Notice of Default and Notice of Trustee 's Sale, in a XXXX initiation of foreclosure took place under this reverse mortgage while : I was under a HUD foreclosure preventative alternative until XXXX XXXX and discovered that this entity was in a forfeited status and was not allowed to do business in the State of California. It was a trustee 's sale foreclosure of a lien not the Property and a foreclosure with no lender. 

In addition, in XXXX, I received documents at my home that I shared with my grandfather that reference a fake living trust and a fake Estate, which were used on documents pertaining to several fraudulent sales, transfers, transactions, and conveyances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am disputing fraud inquiries on my credit report which are hurting my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have these accounts on my credit report that are more than 7 years old and should have been deleted. 

1. XXXX XXXX XXXX {$3100.00} 2. XXXX XXXX {$1500.00} 3. XXXX {$1000.00} 4. XXXX {$41.00}

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 12/13/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with Bank of America in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. when this new refinance Loan was " filed '' with the County Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.

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 03-09-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Ally Financial that, per contract, is due on the XXXX of each month. The XX/XX/XXXX payment was made on XX/XX/XXXX Although XXXX is a short month, this is still only 29 days past the due date of XX/XX/XXXX XXXX. Nevertheless, Ally reported me as being 30 days past the due date. The Credit Reporting Resource Guide ( used by all XXXX CRAs ), FCRA, and FCBA clearly defines a reportable 30-day late as being at least 30 days past the billing due date. 
" While a payment is late if not received by the billing due date, it does not become a reportable 30-day late until at least 30 days past the billing due date. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation