milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Debt collection (Mortgage) with Ditech Financial LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested a credit report, however have a XXXX brother with similar name and lived in the same address. 
Issue ; Unable to access credit reportInaccurate data. 
Time-scale to provide information and data has been several weeks. 
Lack of ownership by the company. 
Poor internal systemsPlease see attached e-mail trail. Similar issue in 2009

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This has been an ongoing battle with XXXX and Experian I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX 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 01-12-2018 about Debt collection (I do not know) with Firstsource Advantage, LLC (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX / First Source Advantage is calling my phone number. After researching the number I learned that this collection agency will call friends and relatives and discuss personal business against federal law. This letter serves as notice that THIS IS NOT VALIDATION OR VERIFICATION OF A DEBT. All calls to XXXX must cease immediately. No contact whatsoever. No further information will be given.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Payday loan) with Check City Partnership, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My employer received a so called summons on paper work that was not sealed in a private envelope to keep my personal information private from other employees, this was Thursday XXXX/XXXX/15, then my pay check dated XXXX/XXXX/15 was garnished, stating voluntary deduction on my stub, I was never advised of anything, never received any type of judgement or court order. the payday loan company was Check City.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Taking out the loan or lease

Complaint: I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After having recently been denied credit based on a report from TransUnion, I requested a copy of my credit report, found several inaccuracies, submitted a request for the credit report to be corrected, and subsequently received an e-mail notification that " Your Investigation is Complete '' with partial results. 

The top of that results page read, " If you are not satisfied with the resolution or the updated report ... then you may print and complete a Request for Investigation form and return it by mail. '' The underlined text linked to the URL XXXX, which says at the top of the page ( apparently incorrectly ) that consumer options include " Initiate an investigation at XXXX '' even though that is not actually an option. Visiting that URL and authenticating my information I was just brought back to the results page from the previous investigation, without any opportunity to report or request correction of new errors introduced into the report as a result of that investigation, or questions that went unaddressed. This is also true of the URL linked to at the bottom of the updated credit report, dispute.transunion.com. 

Further, the bottom of the page with the results of the investigation stated in small type " Should you wish to contact TransUnion, you XXXX do so, By Mail : TransUnion Consumer Relations, XXXX, XXXX, PA XXXX ; By Phone : ( XXXX ) XXXX. '' This ZIP code differs from the ZIP code for what is otherwise the same address, printed on the Investigation Request PDF ( URL given above ; XXXX ). 

When calling the phone number during listed hours, I was told it was the wrong number to call and I had to instead call XXXX to reach the Fraud Victim Assistance Department and re-authenticate with all my personal information again, without any capability of transfer or ability to ask questions of the rep. who answered at the published phone number, and without any automated system being able to recognize from the file number I 'd entered where to properly direct the call. In my last call, there was a full minute of silence on the other end of the line after entering in my file number as requested, suggesting the call had been disconnected. This is another step effectively discouraging inquiries. 

The above paragraphs describe ways in which TransUnion makes it considerably harder than necessary for consumers to correct misinformation that they are reporting about their credit history, and further decreases confidence in their competence for accurate reporting or sensible policies. 

Please set or enforce regulations that allow customers to request the correction of incorrect information included in credit bureau 's reports about them without unnecessary difficulties added into the process.

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 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report an account ( XXXX XXXX ) which is scheduled to be deleted XX/XX/2017, I have wrote to this agency and submitted a copy of their own credit file which explicitly states as to when this account is to be deleted with no resolve. 
At this time I would like to submit the same report to CFPB, to look into my issue. 
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 08/17/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (MI).
Issue: Settlement process and costs

Complaint: This company will not respond to my concerns/complaints. I have tried to have a manager call me multiple times, but I have not heard back. My first complaint is that there has been no communication throughout the whole process and I feel like we have been left in the dark on our mortgage process. Emails were being returned in an untimely manner, if at all. I have still been waiting for a response about why my closing could n't happen when it was scheduled and that request was sent to a manager. It has been almost a week now. This makes me feel like my loan is not important to them. My second complaint is that the day of closing, no one was there to answer my questions and ultimately the closing had to be cancelled. I communicated with this company that I would be making that month 's payment on my current mortgage, but no one ordered an updated payoff for closing so that is one thing we are waiting on. This lack of initiative prevented our scheduled closing. Finally, I got a call from this company tonight, but was not satisfied with her response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/23/2016 about Bank account or service (Checking account) with Enova International, Inc. (MI).
Issue: Problems caused by my funds being low

Complaint: yes i applied for a short term loan and put down my pay dates and the company with drew money out of my account that maid me go in the negative i put down that i got paid every XXXX day of the month but the company put down the XXXX week of the month had a fee of {$33.00} and tried to get the bank to dimiss it XXXX XXXX told me that i authorzed it and they could not help me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Money transfers (International money transfer) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other transaction issues

Complaint: On XX/XX/2016 I made a wire transfer for {$3700.00} for goods purchased through XXXX through my Business Checking account at Capital One. After 14 days, the funds never made it to the recipient. I had Capital One initiate a trace on the funds and XXXX XXXX, from Capital One Branch in XXXX, Texas ( Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ) told me that she did not know what happened to the funds. I made multiple attempts to resolve this issue with her, and Capital One customer service with no resolution. Finally, I contacted the XXXX and filed a complaint. They told me that I requested to cancel the transfer on XX/XX/XXXX ( I did ) and then requested to recall that cancellation the same day ( I did not ). The beneficiary has not received the funds and it has been over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: AroundXX/XX/XXXX I applied for a home remodification loan with Wells Fargo.  I have lived in my home for over XXXX XXXX and I had done one a few years back.Strangely, I was asked to go to a residence to sign the papers.  I was terrified of losing my home so I did not ask questions.  The colored arrows were there, just like the other time, to sign.  It was a stack of papers....I was nervous being in someone elses home so I hurried and signed the papers.InXX/XX/XXXX I was filing for bankruptcy.  All my bankruptcy consist of is my home and pay day loans.Before the meeting time before the Judge, the attorney asked me about the $XXXX I had borrowed from Wells Fargo.  I had no knowledge of this $XXXX.  It did not show on my statement at anytime.  The attorney said it had been posted at XXXX  XXXX County Courthouse on record.I was shocked.  We have 6 Wells Fargo branches and I was never asked to go and sign paper work for $XXXX.  Then when the attorney showed me the paperswork that had my signature it was a stack of XXXX papers.I testified under oath to the Bankruptcy Judge, XXXX   XXXX, XXXX, Texas, what I have said took place above.  I called XXXX about the $XXXX.  XXXX said they do not track money they give Wells Fargo.  They have no idea what Wells Fargo did with the $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 07/17/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On  XXXX   XXXX , 2017, I was charged a {$25.00} ACH return fee for a  XXXX  purchase of {$59.00} made on  XXXX   XXXX , 2017 due to NSF.
Subsequently, on  XXXX   XXXX , 2017, I was charged another {$25.00} ACH return fee for the same purchase ( my account still did not have sufficient funds to cover the purchase ).  XXXX  attempts to RETRY several days after the first attempt resulting in the bank charging fees on the original ACH return as well as subsequent retries. On  XXXX   XXXX , 2017, I was charged yet another {$25.00} ACH return fee for the original  XXXX  purchase.
On  XXXX   XXXX , 2017, the same thing happened with my  XXXX  auto insurance autopay. I was hit with a {$25.00} ACH return fee. On  XXXX   XXXX , 2017,   XXXX    attempted an ACH retry. I was n't charged a return fee this time because the bank froze my account.
I received a letter on  XXXX   XXXX , 2017 from the bank saying that I had excessive return activity, and that they would close my checking account if it continued. Although I take responsibility for the original ACH returns, I am not in control of ACH retry attempts, and the bank is charging me fees multiple times for each retry ( even though ACH rules do n't consider retries as seperate transactions ).
I hereby dispute the fees and/or actions associated with ACH retries.

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 01/31/2018 about Debt collection (I do not know) with Grant & Weber (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: debt was opened XX/XX/2017 and I'm disputing it.

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 11-07-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX credit ... a debt collector ... has filed without following guidelines of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Managing the loan or lease

Complaint: Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Payday loan () with Allied Collection Services, Inc. (Nevada) (MI).
Issue: Received a loan I didn't apply for

Complaint: This  XXXX   XXXX  company is not licensed as a payday loan lender in the state of Michigan. I advised them that this was fraudulent and they continue to harass me via telephone. They now have turned this over to  Allied Collection Services lo cated at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   Neveda   XXXX  Phone  XXXX   XXXX   XXXX . Allied Collections has reported this to the Credit Bureaus as an unpaid account. Allied Collections is in violation of the Fair Credit Reporting Act. They have not attempted to contact me and verify if this is a valid debt. They chose to report directly to the Credit Bureau. This does not belong to me and who would agree to the extremely high interests rates. This is a predatory lending agency and attempts to bully people. They are not licensed to operate as a payday lender in Michigan. I spoke with  XXXX , ID  XXXX  today. This is the first time I spoke with someone from  Allied  Collections and I was th e one ini tiating the call. I explained to  XXXX  the information above as well.

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 01/14/2017 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This has been an on going problem for over a year. I received a call from a XXXX XXXX who claims to represents Allied Interstate XXXX XXXX his contact number is XXXX XXXX XXXX. XXXX is trying to allegedly collect a out of state family members, debt that I have no knowledge of nor am I cosigner for this family member who I have no contact with. The phone calls are continuously coming at all time of the day and night.

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