milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CARS Acquisition, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). 
On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Debt collection (Credit card) with URS Holding, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I belive the date was XX/XX/2017 between XXXX & XXXX XXXX, when a XXXX XXXX from XXXX XXXX XXXX called my job on our recorded line and after being advised that the call was recorded asked for me using my first & last name. I was on the phone with a customer at the time, but sit right next to my manager that took the call. I could here him as he repeated my first & last name and asked XXXX if her call was personal or business related. She must have said personal or something related because I heard him tell her the employees could n't take personal calls at work twice. However, instead of ending the call, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX their XXXX XXXX XXXX proceeded to embarrass, humiliate me & caused me to get repremmended by insisting on leaving a non-prompted message for me. Next thing my manager is handing me a sticky note and telling me what sounds like a debt collector called & insisted on leaving a personal message for me after he advised we ca n't take personal calls. He said XXXX XXXX from XXXX XXXX XXXX said she was calling to give me some information. Then had a few words with me about personal calls. 
XXXX left the XXXX # for XXXX XXXX XXXX along with her extension XXXX. Which is misleading cause they call from a different # which is a XXXX state phn # XXXX XXXX XXXX XXXX. Now I 'm stressing because this can come up during a group random call review in training. Anyway now my job has this on record/recording which is not only humiliating but can be damaging to my reputation and profession and could cause me to lose my job. Later i found that XXXX XXXX Credit Card div is having them call. How could they have them do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: I have been receiving credit card offers for my XXXX year old daughter. I called Capital One and asked them to please stop sending the applications several times. they continue to send the applications to my daugther.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This complaint is being filed because I have tried to reach out to experian telephonically and have been unable to get through to a live person. On XXXX XXXX I sent Experian a copy of my police report because I have been a victim of identity theft. In the cover page I included a list of the fraud accounts including the XXXX account # XXXX. For some reason all of the other accounts were removed but this one was not included. I have tried to reach by phone but can not get through to a representative to make them aware of this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Other transaction issues

Complaint: Hello, On XXXX XXXX, XX/XX/XXXX, I sent payment via Paypal in the amount of {$750.00} to XXXX at XXXX XXXX for aftermarket XXXX XXXX automotive headlights. XXXX 's company is located in XXXX, XXXX. For months, I contacted XXXX via XXXX messenger regarding the status of my order and why my item has not been shipped. XXXX has continuously promised that my XXXX would be shipped out XXXX, XXXX, XXXX, XXXX of XX/XX/XXXX and XXXX, XXXX, and XXXX of XX/XX/XXXX I have received nothing but excuses and failed promises. I have all records of my correspondence with this seller. More than XXXX, I have asked for a refund. He did not respond. My XXXX attempt to contact the seller was XXXX XXXX. He has still not responded. Unfortunately, Paypal will not let me dispute a claim regarding this transaction. {$750.00} was withdrawn directly from my checking account and sent via Paypal to XXXXXXXXXXXX. His company website no longer exists. His phone number listed on my Paypal website is XXXX. His " Customer Service URL : http : XXXXXXXXXXXX. His " Customer Service XXXX : XXXXXXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: Hi, My last complaint # XXXX is the same reason for this one ... 
To summarize : As of XX/XX/XXXX I canceled my previous home owners insurance with XXXX and went with XXXX home owners insurance. How ever the Mortgage company " 5th 3rd Bank '' keeps paying both companies for the same home. I got reimbursed from XXXX most of the money in XX/XX/XXXX but 5th 3rd Bank has once AGAIN paid both companies and the escrow account is a mess. I will do my best to refinance to a better Bank ASAP. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.

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 10-11-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Under FCRA sec XXXX, I 'm requesting disclosure of the " original creditors documentation '', on file, that they must maintain to validate all data being reported or remove from my report if unverifiable. They refuse to provide the information or remove from my file. Instead, they continue to state the information is verified without providing verifiable proof. Items are ; XXXX ; account : XXXX XXXX XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  is reporting on my Experian credit report that in  XXXX , the payment was 30 days late. Account has never been paid late.   XXXX    &   XXXX  have it reported accurately that there were no late payments.

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 07-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: nationstar mortgage reported that I have been XXXX days late. That is NOT TRUE. They misapplied monies paid to principle rather than toward payments. They have corrected it but now they need to get my credit reports fixes ... .IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Financial Services, Inc. (MI).
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: Im not sure of dates but one was from XXXX one from XXXX through XXXX that i never had or did anything for, also XXXX bills through the XXXX XXXX when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via bank of America to consultants bank of America account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I have call XXXX and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the XXXX and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX I have no knowledge of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Struggling to pay mortgage

Complaint: My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.

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 07/27/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: I have a chase freedom credit card. I always pay on time and pay in-full. My last day of payment is XXXX of every month and I got late by 1 hour and Chase charged me {$25.00} fee + interest. I requested Chase by calling their customer care but they refused to help OR waive-off fee. So I end-up paying late fee but than I requested chase to set-up automatic payment on my account so that next time it does not happen. This incident happened last month in XXXX 2016. Now again on XXXX XXXX, I got lat by 1 hour and called the customer care at XXXX of XXXX XXXX ( ideally it is night of XX/XX/XXXX ) and requested them that I want to pay full bill but please remove this late fee. they refused to do that again. Now I have set-up automatic payment in my account this time. But I do not want to pay this late fee again and again for no reason. It feels like exploitation even after being a loyal costumer for last so many years. I feel it is cheating/exploitation from Chase side. I have not paid my credit card bill yet but I am very much willing to pay it in-full once CHASE remove all charges. When I spoke to CHASE customer care supervisor ( her name is XXXX and she is in OH office ) and before that spoke to a representative ( her name is : XXXX and she was very rude and that 's why I requested her to let me talk to her supervisor ). No matter what I say to them, their answer is same and something like " Sorry we really can not help in this regard ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Submitted complaint to all 3 credit reporting agencies in regards to XXXX reporting an open account on my credit. They are a third party collection agency. I do not and have not ever had an open account with them. Asked credit reports to validate the debt not verify with a 2 digit code system. All three failed to do so within 30 days. They verified not validated and still reporting on the credit as an open account. Again, a third party collection agency who was unable to validate the debt I disputed with them before I went to the credit reporting agencies still ca n't validate. They are doing a computer 2 digit verify code

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 10/26/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other transaction issues

Complaint: I have tried to transfer money to a bank in XXXX and WU wrote, on XXXX XXXX, 2015, that the transaction went through : XXXX XXXX, Thank you. The payment for your money transfer has been received. It will be available in XXXX XXXX XXXX XXXX XXXX account by XXXX XXXX, 2015. 
If you have any questions, contact us anytime. 
Thanks for using Western Union. 

XXXXThis is your proof of payment for the money transfer below. 
XXXXYour tracking number ( MTCN ) is : XXXXTransaction Date : XXXX XXXX, 2015 XXXX ETHowever, on the same day ( XXXX/XXXX/2015 ), I received this email : Dear XXXX XXXX , Money Transfer Control Number ( MTCN ) : XXXXWe have received your order, however, we regret we are unable to process your transaction at this time. 

If you feel this action is in error or have further questions as to why your transaction was declined, please contact us online or by phone at XXXX. 

We regret any inconvenience this action has caused. As an alternative, you may send money using cash from a Western Union Agent location. You can find an Agent location on our Web site. 
For additional information, visit us at www.westernunion.com. 
Thank you for using Western Union! 
then, on XXXX XXXX, I receive this email : Dear XXXX XXXX, Your tracking number ( MTCN ) is : XXXXWe received your request to cancel your money transfer. If your account has been debited, we 'll refund the money transfer amount and fee to you. 

Send money at one of our agent locations. Find your nearest agent location now. 

Thank you for using Western UnionNow, I have never sent a request to cancel the money transfer ; this is a lie. 
I have received the refund, however I was charged for the transaction! It 's a matter of principle that the business should not charge for their botched service. 
Even if the fee is just {$5.00}, it is outrageous. 
I have filed complaint with WU on XX/XX/XXXX but I am yet to hear from them and my call to WU today was as if I was talking to a wall. The customer service assistant could not help me. 
" Money Sent from XXXX to XXXX XXXXThank you for submitting your question, we will be getting back to you in 1 business dayReference Number : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (CO).
Issue: Problem when making payments

Complaint: Hello, On  XXXX   XXXX ,  2017, I m ade a payment over the phone via debit card with Avant in the amount of {$3800.00}. On  XXXX   XXXX ,    2017, I a ttempted another debit card payment, this time was to payoff the loan, the total at this time was around {$1800.00}. Avant rejected my payment and said they are not allowed to take a debit/credit card payment unless the account is seriously delinquent. On their website, I am unable to change my banking information on their website, nor am I able to make a payment. The company is REFUSING to accept a payment, and only did so once I was able to payoff the loan in effort to stretch this out and collect more interest which accrues daily. I 've asked them four more times to take my payment and they still refuse. I now requested they remove the interest that has accrued since  XX/XX/XXXX  and they advised they will review which takes up to 14 days.  <P/> The same enforcement action the CFPB took against the student loan companies and payday loan companies is the same action I am requesting her e. Avant i s refusing to accept a method of payment, which they 've previously accepted, to accrue more interest on the payoff which is now more than 200 dollars and I will not be bullied into doing it! By refusing to take my payment, and not having alternate means by which to accept payment, they are causing financial harm to me, the consumer.

Company response to consumer: Closed with explanation