milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.

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 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The bill from XXXX was incurred after equipment was returned to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: From  XXXX  We have a working relationship now. However, I was asked to file this report.    Wells Fargo  kept charging me {$30.00} a month for each business account when it was supposed to be free. The accounts were opened in  XXXX   XXXX , NV where I had my  XXXX    XXXX   XXXX   XXXX  . I live in California. No matter where I called to straighten it out and get credited, it did not fix. First of all they claim they can only credit back 3 months. I first noticed it after {$800.00} was dwindled down to nothing.     I dro ve t  XXXX  hours round trip to  XXXX  to get this problem fixed, same result. When I asked for help in  XXXX , California on  XXXX   XXXX , they said we have to close the account and make a new account to fix the problem. Of course each checking account comes with a separate savings account. So they changed it to {$20.00} a month fee but told me it was free. Later in  XXXX   XXXX  I asked for help. I went to the   XXXX   XXXX   XXXX  and  XXXX  locations. The same thing happened reopen another account and another and another. I dont even know how many times this went on. For sure more tha n 4 ac count changes for  my two business checking and two required  business saving accounts in just the city of  XXXX   XXXX . Now I have a free account only I have {$150.00} Tranfer into savings and the next day transferred back {$150.00} to checking and I have to have bill pay active or they will have a fee. Another option is to have a huge daily average in the account at all times. I am not doing that. Last week I asked a couple questions and they gave me wrong information.

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 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX is showing that my account was opened in XX/XX/XXXX and is currently closed. It shows closed in XX/XX/XXXX. They also show a monthly payment of XXXX which is what I have paid every month for the past 8 years now. This is my current child support amount for at least the next 10 months. They randomly show months where it was not paid and where payment was late. Currently they are showing a balance of {$7.00}. YES {$7.00}! They also show that the account was in collections and was charged off. This account was not in collections ever and was never charged off. This is a government run thing and is required that I make all support payments as I have been for the past 8 years. <P/>They are showing collections/charge offs in the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now also showing a {$7.00} collection charge off fee. <P/>There are NEVER any collections/charge off fees associated with this account since it is a government required child support payment account. This should not be handled in this way and is completely destroying my credit with agencies XXXX and Equifax. <P/>What they should be doing is sending me a bill/late statement every month if in fact I have some overdue amounts and then they should wait a month or so for me to catch up on those payments if I am late. Then they should send notices that they will be forwarding my account to collections if I do not pay it. They should provide a means to get it caught up. A means to contact someone to do so. Then after several months of me completely disregarding them, they should put it in collections as normal. <P/>What they are doing is if I have XXXX to pay each month and I only pay XXXX, they immediately the next month will show XXXX is charged off in collections. There is no bill and there is no communication whatsoever on what they are doing. Whereas I may pay XXXX the following month. I forever have this damaged information on my credit report. This is completely unfair not only to me but to every other person out there in the Nebraska court system trying to make payments of child support on time. This is a systemic issue and not isolated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Installment loan) with Argon Credit (AL).
Issue: Managing the loan or lease

Complaint: A previous complaint was filed against Argon Credit XX/XX/XXXX regarding violation of Alabama usury law ( 8 % interest ) on {$2000.00} personal loan, and this account was paid in full back in XXXX XXXX. Argon Credit kept reporting this loan as delinquent on XXXX, and I filed a dispute in which XXXX verified as being paid in full on XXXX XXXX, XXXX. This bogus account was placed back on my XXXX Credit report as having a {$500.00} balance on XXXX XXXX, XXXX. I disputed this, immediately, two weeks ago, and then I remembered that XXXX had already verified as paid in full. Today, I called XXXX to find out why it was deliberately violating FCRA and was told by a phone tech and XXXX supervisors that Argon Credit did not respond to the dispute within the required 30-day time, but " XXXX gave Argon Credit additional time to correct the record. '' Argon Credit failed to respond to my dispute in a timely manner. Argon Credit is well aware that federal law requires it to respond within 30 days. XXXX XXXX, XXXX is way over the period to respond to a dispute. And, as Argon Credit is no doubt aware, failure to comply with federal regulations by credit reporting agencies and creditors is a serious violation of the Fair Credit Reporting Act and cause for an investigation by the FTC. I have a copy of the dispute results from XXXX back on XXXX XXXX, XXXX, and this is a blatant violation. I am requesting this matter be resolved, immediately, or else I will be resolved to take legal action to protect my rights. 

Argon Credit is knowingly using " parking '' tactics that are spelled out in several court cases that have been won by consumers against dishonest creditors.

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 01-11-2016 about Debt collection (I do not know) with Alorica Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator. 

I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was modified in 2015. Original loan was {$60000.00} I made several payments bringing it down to under {$58000.00}. Then I ran into problems paying. After a year and a half it was modified. Rolling the interest into loan making it {$87000.00} my new loan basic does not have interest but I am paying down the interest rolled over. My servicer refuses to send me anything reflecting that. After requesting they said they wont.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.

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 12/21/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Payday loan) with Guidiville Indian Rancheria (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A man calling himself XXXX XXXX left me a voice mail stating that I am scheduled to appear at the XXXX XXXX court house. Minutes later he call my father in law at their home. He asked for my father in law by name and told him he was with the XXXX XXXX court house and was attempting to contact me in regards to charges that had been filed against me with that court. 

I was sitting with my father in law at the time ... I grabbed the phone and offered to call XXXX County court house myself to check on these so called pending charges. He then corrected himself and said he was a processor. He never once told me it was an attempt to collect a debt ... He did state that he was trying to get money for Multi Source Loans and looking to work out a deal to settle on the account. I then asked him why he stated he was from the court house when he clearly was not and was calling from an out of state number .... He then told me he was simply trying to get me to pay my bills then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a hospital bill from XX/XX/2016 that my insurance for some reason would not cover. I was not properly notified of this due to change of address, so the bills did not reach me. My credit score just dropped from a XXXX to a XXXX. I never had a problem with resolving the bill before it reached this point, had I been properly notified. Also the balance amount of the account is {$780.00}, not {$790.00} as the collection agency reports. I would like this removed from my credit report as soon as possible. I have never missed a payment or not paid a bill. I am trying to buy a house and this drastically affects me in a negative way. thank you Old address XXXX XXXX, NJ XXXX New address XXXX Route XXXX XXXX, NJ 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 non-monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Scott and Goldman, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is eight years old and has not been proven that I have legal obligation to pay. The statute of limitations for reporting this debt has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with NETSPEND CORPORATION (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: XXXX   XXXX , there were several unathorized transactions made on my card through online. I have recieved  XXXX  out of the collective  XXXX  dollars but i still to the date of  XXXX   XXXX     2017  have not recieved any of my paperwork to file a dispute nor have i recieved the remainder by which the company  aceelitecard.com  has failed to provide as a record. The company is constantly tellibg me that the investigation is pendind the first time i believe they told me it wou ld be 7 to 10 business days, then after calling and questioning they ended up stating it would be 30 busin ess days now as of  XXXX   XXXX ,    2017 im told its probably going to be 90 business days. This is really been a convience to me for the past 2  months and it also raises an eyebrow towards speculation that maybe over this entire period of time possibly little by little my account has been jeapordized. Could someone please help me as i  XXXX   XXXX  am fed up with the lack of customer service priorty. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I feel that I was pressured into purchasing s vehicle aND extended warranty when I was at a very vulnerable state. I was involved in an automobile accident on XXXX/XXXX/XXXX while driving my boyfriend 's car. Immediately following the accident, I took his car to XXXX XXXX because I had a scheduled oil change appointment. While waiting, I was sold a XXXX Nissan Altima for around {$4000.00}. I was in a very distraught state after the accident, I suffer from a XXXX that causes me to make irrational decisions at times, and I was coerced into purchasing a 12 year old vehicle with a {$3000.00} warranty, and the vehicle was financed. I honestly was n't in a good state of mind but i believe that the sales and finance guys pressured me into signing the paperwork and I truly did n't realize what I was getting myself into. I was given an interest rate of XXXX % which was n't disclosed beforehand. Is it legal and ethical to finance a 12 year old car at 28 %? Additionally, the engine went out on the car within the first 10 days and they replaced finance it after initially refusing to cover it. The company did a welcome call and I disclosed that I needed to speak with a manager or someone in underwriting because I was n't in a state of mind to make the decision that i was about to make. I told them about the accident, i was out of work on XXXX, and I was not prepared to commit to the purchase. I was told they would have an underwriter call me back to discuss my options, but this never happened. In the mean time, I had a second accident on XXXX/XXXX/XXXX, which caused additional work loss, physical and mental limitations, and I was prescribed controlled substance to help with the pain. After contacting American Credit Acceptance again, I was told it was too late to make any changes as the contract was already in progress. Please let me know how I can get help with the illegal practices that the dealership and finance company took knowing my physical and mental health.

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 09/24/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Someone called me and said that i owe money for the state of Maryland, i called the state of Maryland office and asked then if i owe any money to the state, they asked for my personal information i gave everything to them and they said that i do n't owe anything to the state, now some debit collector company reported me. 
I never got a letter from them just a calls. 
I checked my credit score today and because of them my credit dropped a lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with Lazarus Financial Group, Inc.(Closed) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Lazarus FinancialXXXX TX XXXXUnited StatesThis company continues to levy a collection item on my credit report even though I have provided them all the responses they requested concerning Identity Theft. This debt is NOT my debt and it needs to be REMOVED from my credit report as a collection item. I never heard from this company prior to them placing the derogatory item on my credit report and XXXX I learned they hurt my credit I have asked repeatedly they remove the item from my credit. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted my mortgage company now XXXX times to request an assistance packet. XXXX by phone and XXXX via there online " contact us ''. In my initial call to my servicer, I was told by a collector that I am a first payment default and that this was worse than a bankruptcy on my credit. He proceeded to tell me that a modification in NOT an option. My loan is not even a first payment default. The XXXX time I called I was again quoted a 24hr turnaround time to receive the packet. Which as of this date, I still DO not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation