milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle loan) with Automotive Funding Group, Inc (CA).
Issue: Managing the loan or lease

Complaint: I made my last car payment I owed on my XXXX Mazda Tribute to County Financial Services on XX/XX/2016 before the due date of XX/XX/2016, on an account that has never been late, and after receiving and cashing the check by County Financial Services the company incur an additional approximately {$120.00} so-called an additional interest charge to the account I needed to pay before they call this loan is paid in full and send me all the necessary documents such as Pink Slip, release of liability etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I wanted to alert you that the Debt Buyer, Pressler and Pressler LLP, continue to engage in practices that are forbidden per XXXX. My wife and I have had an on-going legal battle with them over a {$300.00} bill from an XXXX office. 
My wife and I were not married at the time and I fear that Pressler and Pressler bought this debt for pennies on the dollar and then moved forward with a lawsuit suspecting that a single mother would n't have the time, fortitude, or knowledge to fight back. 
Relevant but not central to this complaint is that my wife never actually owed the debt, it was a mixup with the health insurance companies at the time of her service. 

Pressler and Pressler has already levied over {$300.00} out of her account and we have an upcoming case in Superior Court. I have confidence that the court will see the proper path forward at that time, but I did want to let you know about these on-going practices. 

Attached is just some of the more recent harassing and antagonizing debt collection efforts. I believe Pressler bought this debt and pursued legal remedy based on a heuristic data-centric model, rather than an attorney that actually sat down and examined the case. This is in exact opposition of XXXX, specifically most of subsections in " Prohibiting Debt-Collection Litigation Activities Without a Reasonable Basis ''. 
Our current goal is not to seek federal relief but instead to alert the CFPB of Pressler and Pressler 's aggregious deflection of the Bureau 's previous finding. 
Please contact me if you need any supporting documentation or facts. 

Respectfully, XXXX XXXX RE : Pressler and Pressler , LLP XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Stearns Lending, through a loan processor, provided a pre-approval letter for {$330000.00} prior to reviewing bank statements, which showed a new debt. As a XXXX time homebuyer, we thought it would show up automatically on our credit report. We believe that it was the role of the loan processor and underwriter to review requested documents prior to providing a pre-approval letter, which should have been factored in. After receiving the pre-approval letter, we began to search for homes. We found a home and went into escrow, which we had to pay {$300.00} for an inspection. Once the inspection was completed, the loan processor requested payment for the appraisal, which was deducted from my husband 's credit card for the amount of {$520.00}. A day after this request, the loan processor contacts me to alert me of the new debt that was not detected a month prior to escrow, which caused our loan not to be approved. Also, in the meantime, we did not receive the overview of the appraisal that was paid in full. Because of the incompetence of the lender, loan officer, and underwriter, we decided to cancel escrow. The loan officer sent us an email stating he will accommodate us for the upfront fees paid. During this process, the lender states that we are responsible for the appraisal and the only way we can receive a credit for the appraisal is if we continue with another transaction to where we were pre-approved on a revised amount for {$240000.00}. We declined, but the lender reiterated this is the only way we will receive our appraisal funds paid. But mind you, we never received the appraisal information because of this situation of the new debt found. We do have supporting documents through email, the pre-approval letter, and the receipt of what was charged for the appraisal from my husband 's credit card. We believe if the new debt was caught in the beginning prior to the pre-approval letter, we would not have paid the upfront fees to move forward with a home purchase that we did not qualify. Overall, they did not take accountability for their actions, and we lost {$820.00} which we would like refunded for the misleading information. We can also forward you the emails to prove they are authentic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar 's counsel, XXXX XXXX XXXX, the attached correspondence serves as my objection to Nationstar 's Rescission of Acceleration of Maturity Indebtedness that was dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: I contacted Experian on XXXX XXXX, 2017 to initiate a dispute on my credit report. I already have a fraud alert on my report to protect myself. But this still does not protect me from hard inquiries from showing on my report. I notified Experian of these unauthorized inquiries on, initiated a dispute, was not provided the decision of the disputes, Nor was the dispute in my favor. Seeking immediate assistance.

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 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Private student loan debt) with F.H. Cann & Associates, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Balance transfer fee

Complaint: I had a debt that I was trying to pay off. In order to pay it off I used a balance transfer check from Capital One in order to have 0 % APR for one year. Five months later I realized that I was getting charged interest of 26 %. I called and they told me that there was some mistake and there is nothing they can do. Essentially, saying I used an expired check. However, I 'm pretty certain I did n't use an expired check. I asked for a copy but I 'm not getting one. And, they agreed that if the check was expired, it should have never been valid. I called again because it was very clear why I used a balance transfer check. Now they are refusing to return my interest of {$440.00}. They are saying there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Transunion multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. There are XXXX Public Records reporting a Release of Tax Lien filed : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I need your assistance in getting this matter resolved and removed from my credit file.

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 01-06-2016 about Consumer Loan (Installment loan) with Navient Solutions, LLC. (LA).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Louisiana and XXXX Reference : Retirement Benefits Claim Number XXXX XXXX XXXX XXXX : Office of Personnel Management Debtor : Small Business Administration. 

The Department of Treasury have sent notice to XXXX XXXX XXXX to collect {$260.00} monthly. However, my pension was delayed for approximately XXXX which made me fall behind in payments. I have contact OPM on several occasions. It appears the Agency will not address this issue or provide adequate reasons why benefit was being delayed. I am requesting an investigation to resolve this matter. 
Tin Number : XXXX Top Trace Num : XXXX Acct Num : XXXX I truly believe retirement-benefit provisions are complicated and may involve a series of miscalculations that are not clear or easy to understand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with Credit Karma, Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you.

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 06/24/2017 about Debt collection (Federal student loan debt) with TRANSWORLD SYSTEMS INC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Dear CFPB Please be advised that I was not served or informed by Citibank about an allege credit card Judgment against me. Also they allegedly sold this judgment to a third party and I was not notified from either party.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Citi Double Cash Back Card. I made a typical balance transfer with a 0 % interest. I still used the card for regular purchases which is subject to interest. I pay the minimum payment plus the amount I spent. Unfortunately Citi still charged me interest on my new purchases. I remember that the Law protects us. That payments I make are supposed to go towards higher interest balances.

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 09-11-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2017 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NJ).
Issue: Account opening, closing, or management

Complaint: I 'm a young professional not far removed from college and I had a Charles Schwab Bank High Yield Investor Checking account. After years of being a diligent customer -- never once overdrafting -- Schwab sent me a letter titled 'Re : Closure of Schwab Accounts ' in the mail, in which they informed me they were closing down my account in one month, without providing a reason why. 

This caused angst because I had to scramble in a short period of time to re-arrange my banking life so I could make pending payments on-time and avoid fees. Contributing to the angst was the fact that the monies in the Schwab account were helping Mom and Dad cover some of their bills. 

I asked Schwab by phone for an explanation re : the closure, but they informed me they were not legally required to explain why. I wrote the CEO of the company directly to appeal the closure. This appeal was rejected. And when I asked for an explanation, they again refused to provide any information. 

In short, Schwab fired me as a customer -- a good and diligent customer -- without explaining why.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A phantom debt collection agency called Forward Movement Recovery called me today stating that they wanted to get information. They asked me to verify my social security number, and I asked them who they were and if they had a professional license to practice debt collection in the state of Arizona. They refused to provide the license # or give any more information about themselves. After doing research it seems like their parent organization is called World Wide Processing Group, LLC - http : //worldwideprocessinggroup.info/index.html is their website. Numerous search results online state this is phantom debt, scams, etc. I am reporting this company because they stated that they are going to arrest me, and also stated that I owed money on a debt that has already been disputed for identity theft, and was taken off of my credit report because of this. They have called me 9+ times today after I told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX   XXXX  /2017 Handed a teller at  Wellsfargo  a check for {$19000.00} to pay down the principal of my new vehicle loan. Normal monthly payment not due until  XXXX / XXXX /   2017.      On the check I wrote " Principal Only '' and instructed the teller this is not a payment, this is principal.     She applied a portion of the check as a payment, resulting in {$55.00} of interest fees collected, then applied the remainder to Principal. Completely ignoring my request and resulting in the theft of {$55.00}.     I noticed it toda y  XXXX 2017    on my statement and informed Wellsfargo. They said I could make a request, and it would take 3 days to review. No promise of fixing their error, no promise to return the money they stole. Just a vague " We will review. ''

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 04-05-2017 about Debt collection (Medical) with TSG Collections, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been sent to collections over a 4 year old anesthesiologist 's invoice ( Today is the 4-year anniversary of my XXXX ) that I knew nothing about until I received 1 invoice last XXXX XXXX. I promptly called them but never received a call back or received any more communication ( notes attached ) ; now I just received a collection notice on XXXX/XXXX/XXXX almost 4 years to the day! The original invoice was for anesthesia during my 41 MINUTE colonoscopy. my insurance paid {$2100.00} + {$150.00} for XXXX. My son 's anesthesiologist bill for his 4 HOUR XXXX was less than this. This ca n't be legal to bill ONCE so LATE, not return calls, then collections. ( and overcharging to say the least ). I finally got them to answer the other day after 5 calls and they said it was out of their control. I called the XXXX XXXX XXXX where the procedure was done, and they said they have many other people who have called them and told them that XXXX/Dr. XXXX did the same to them! This can not be legal and it is not the correct way to communicate with customers or do business! ( XXXX/Dr XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Acct # XXXX, ( XXXX ) XXXX. Date of Service XXXX/XXXX/XXXX. TSG Collections XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX.

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