milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Other debt) with Franks Adjustment Bureau, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested my free annual credit report online. I was denied stating it needed to be done via mail. I printed, completed, and sent the requested form along with my ID and proof of residence as requested. I received a letter back stating I was not entitled to receive a free credit report because I had already received one, which is not true or accurate. I requested my report from all three credit bureaus at the same time and date, only one of which complied with this request and gave me my free report online. I go through this with this credit reporting agency every year and I believe it is because I write several complaints asking them to correct my credit report because they have a very regular habit of reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Last year, I had a Bank of America business credit card which became delinquent. I was never notified of this fact and they removed the card ( along with my ability to p ay ) from my o nline banking with NO notification whatsoever. I started receiving calls asking me to verify my account, which I would n't do because it sounded like a scam. I had spoken to them prior and told them I was out of work but would make payments when I could ( seeing as I 'm a 20 year customer, I figured they would be human about it ). This is when they removed my account, even though I was actively making small payments to it. When I called to complain, they said that it is their policy to remove delinquent accounts. NO notice was ever sent. I emailed  XXXX   XXXX  the  CEO several tim es telling him I want to make payments, but I need to do so online and not on the phone when some random operator calls me expecting me to give them my account info. He had someone named  XXXX   XXXX  call me and I explained I was trying to pay but need my account back. She said not, it is n't their policy, then they confiscated {$1300.00} from my account without my permission. When I filed the last complaint, they responded saying they could n't find my account, and apparently the case was closed. They ca n't even find my delinquent account but I 'm supposed to give my info over the phone? They never notified my of any of this.

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 02-06-2018 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Struggling to pay your loan

Complaint: A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX  card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX   card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX  method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ClearSpring Loan Servicing of XXXX, Texas has been calling me over a defaulted mortgage debt. They claim I owe them around XXXX. I asked to see in writing how did they come up with that amount and the collection representative told me that her legal advisor said it was illegal to provide me with such information. I 'm the consumer and it 's illegal to provide me with information about my loan???? That does n't make any sense. All they were willing to provide was a copy of the original mortgage contract that I signed years ago. The contract does n't advise me of the amount that is still owed after a few years of payments. I also believe the statue of limitations is up. I need to see proof that I owe the amount that they are stating, how did they come up with that number? To me that 's like walking in a store and the cashier asking me to pay a certain amount without telling me how much something is. ClearSpring Loan Servicing should be able to prove I owe the amount they say I owe. If they are unable to provide proof, they need to stop calling me and remove the debt from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Payday loan) with United Collection Service Inc (Closed) (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am unable to take calls at work I advised the collector to send information to my email address they called my work phone over XXXX times back to back

Company response to consumer: Untimely response
Consumer complaint received 02/26/2017 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: Real Time Resolutions ( RTR ) does not respect the Fair Debt Collections Act, also breaking the Law. The Statures of time in California is 4 years. why is RTR disrespecting and breaking the Law, simply put. This is an old XXXX Loan # XXXX this is just one of I do n't know how many account numbers they have on me, my SSN # XXXX.. Because they hide the truth with many different account numbers you can never get the truthful facts from ( RTR ) there is no telling how many times they have been paid off, because they keep changing the account numbers. I 'm asking them to remove my name and SSN # purge it from their system and rescind any and all claims they have filed. With respect to XXXX XXXX XXXX SSN # XXXX property located at XXXX XXXX XXXX XXXX, XXXX Ca XXXX also XXXX XXXX XXXX XXXX. XXXX Ca.XXXX. 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Installment loan) with M&T BANK CORPORATION (MD).
Issue: Taking out the loan or lease

Complaint: I requested a XXXX Loan from M & T bank but it was not processed as I wished. Instead of processing a XXXX Loan the Vice President XXXX XXXX processed an M & T XXXX Loan Application and today I received a denial letter. The Federal Equal Credit Opportunity Acy prohibits discrimination and I am protected under the Consumer Credit Protection Act. My rights have been violated. As well as my credit score could have been effected by her actions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Money transfer, virtual currency, or money service (Check cashing service) with JPMORGAN CHASE & CO. (OK).
Issue: Problem with customer service

Complaint: Chase/JP Morgan  is the worst bank I have ever used. I have been a customer of the bank in my local area since   XXXX  . I have my business account there. Recently I deposited a Cashiers Check to bring my account up in order to pay some bills. The deposit funds were from another bank in the area that I also use for my business account..     I was informed that the bank would place a hold on the check for 10 days. When I explained that it was for bill payment, I was met with indifference, rudeness, and complete lack of concern. Of course, if my account had non sufficient funds due to their " policies '', I would be subject to fees and penalties.     I have had many other instances of this type with Chase Bank, and have not ever sent in a complaint before. But I am so angry over their intransigence and lack of customer support, I am closing my account and taking my business elsewhere. The large banks, the ones " too big to fail '' have become the small custo mers enemy.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Re former complaint number XXXX which CFPB closed as it seemed satisfied with BofA 's response : If XXXX XXXX, 2017 ended the 10-day monitoring period, why did it take BofA another month and a half to return the {$1600.00} to my accounts? That is the issue that BofA continues to dodge. I want BofA to address the issue that it took TWO MONTHS to return the funds to my accounts when BofA admits they knew the charges were fraudulent on the day they happened. Please address that issue and not that BofA DID return the funds. Address why it took BofA SO LONG to return the funds.

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 02/25/2016 about Consumer Loan (Personal line of credit) with PAYPAL HOLDINGS INC. (CA).
Issue: Shopping for a line of credit

Complaint: I never applied for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with States Recovery Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: States Recovery Systems Inc added XXXX accounts to my credit file, via XXXX, after lots of back and fourth and disputing the XXXX collection accounts with XXXX they have not removed these accounts. Account XXXX has a total of {$47.00} owed and account XXXX has a total of {$35.00} owed. I agreed to pay these amounts even though they are fraudulent accounts and I have no knowledge about them, if they remove from my credit report. They refuse to do so. So now I do n't want to pay them, I just want them removed from my credit file. I have filed a police report and send all information they requested, but they will still not delete from my credit file. These items are not mine, I have never been a XXXX customer and I want them removed from my credit reports, ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NJ).
Issue: Deposits and withdrawals

Complaint: My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from 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 monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midwest Recovery systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus. 

I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Armor Systems Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A few weeks ago I checked my credit score and noticed an open account that I did n't recognize under the name " Armor Sys '' or something similar. A little googling resulted in me finding Armor Systems Collections so I figured I would give them a call. They found the account for {$170.00}, which is what my credit report showed as well. I asked for verification and also the company which reported it and they provided both. I called the original company that reported the debt and they have no record of me being a patient there ( it 's an XXXX I believe ). They were very suspicious of the charge and suggested I look into it as it sounded fraudulent. I do n't know what to do as calling Armor Systems Collections only results in them telling me I need to pay the debt plus interest and them putting me on hold for a long time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had to put a call blocker on my cell phone because they call XXXX times in XXXX minutes. They will not disclose who I owe or how much I owe and say they will send someone to arrest me. So I put a block on the phone so it will no longer ring into me. On a typical day I get around XXXX phone calls from them. I can see the number on the call block list. If they are not going to disclose information why should I? I have only read bad things about this company and do not want to give them any personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax breach I tried to freeze my report. Equifax ' systems kept throwing errors when I tried to freeze my report. When I went in today to try and freeze my report it is now telling me my report is already frozen but I never received my PIN so now I can not unfreeze it without having to go through a whole process because of Equifax 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My name is XXXX XXXX, the company name is Regional fin., out of XXXX .and XXXX and XXXX, XXXX, there were located out side the XXXX XXXX XXXX , I return from XXXX, needed money to get home to XXXX, the company I.D . they self as XXXX, so this might build my Credit, I did not read fine print, all I want was the Monthly payment which was {$94.00}. for 18 months. I could do this. So I took out the loan XX/XX/XXXX, I kept paying the {$94.00}. monthly fee even when I was XXXX. So I stop ever thing XX/XX/XXXX, when I put in to my calculator {$94.00}. X XXXX = {$6900.00} to date. When I question them about it, and how much, I still owe, I want to pay off, they said I still own like {$1500.00}, on loan, I was confess then. So I went back to XXXX, that I show them and they took it away and shrewed ( cut it up ) it was 640 %, now it 's 450 %, but because I did n't pay off in the XXXX three year, and the Government say, they can not charge 640 %, But could charge 450 % + {$300.00} for Service fee, + {$200.00}. for application fee, which bring it up to {$1500.00}. + interest = {$1800.00}. total amount to be finance. So my payment was due XX/XX/XXXX, but because I was researching, and checking into my problem, of signing into this company, they started Collection Proceeding again me early.. Like I say payment was n't due till XX/XX/XXXX, on XX/XX/XXXX, they started calling me at the business place they are ( seniors, also ) contractor for Post Office, contracting me at the V.A. even trying to force they way in, while I was in bed getting treatment, called friends ( with hassizment ) and other, my phone I kept all phone calls by Regional Fin., Voice mail, internet mail, must be XXXX phone number they have for collection. Some day it XXXX calls night and day till now XX/XX/XXXX, threats and to do harm, by sending in XXXX XXXX, to collection from my home, over and about what I own, I tried to get help here in XXXX and XXXX, XXXX, even the Police are scared of the gangs, no attorney will take the case. I just turn XXXX year young XX/XX/XXXX to XX/XX/XXXX. CAN YOU HELP. thank you XXXX XXXX of XXXXXXXXXXXX my cell phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: My story began when I was placed on a trial payment plan back in   XX/XX/XXXX   with my lender. I made all three payments on time and continued paying my mortgage until it was transferred to another lender. When I made my payment to the new lender, it was returned, and they told me I had to apply for a new modification and then they could accept my payments. The new lender gave me the run around for almost four years, and they attempted to foreclose on my home. When I inquired about my mortgage payments that I had made from   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX , th ey attempted to foreclose on my house, and my attorney advised me to sign the modification because I had no other alternatives and the banks can do what they want to do. I have an email stating these facts. I signed the modification knowing that my mortgage payments were not applied. After I had signed the modification, the lender told me that they could no longer speak to me because I was in bankruptcy. They would not discuss anything on the phone with me after that time. I have the email. I went to the state of Maryland, and an investigation was conducted, into my foreclosure case and it was discovered that my mortgage payments were not applied. I can provide those documents at CFPB request. Also, a judge in my bankruptcy filing in  XX/XX/XXXX  was provided with the trial payments, and email from  XXXX  in regards to not speaking with me after the ratification of the modification. The  Judge  allowed me to go back to paying my original mortgage until things were sorted out. My attorney disappeared, and my case was dismissed, and Fay started foreclosure proceedings on my home. This was the 5th foreclosure and keep in mind ; no other lender attempted to assist me with a modificat ion. Fay was  provided with all of this information, and yet they are now trying to foreclose for {$580000.00}. An adversary was filed  on Fay Servicing  during my  XX/XX/XXXX  bankruptcy filing, so they are aware of what is going on with my loan. I have notified the  Fay Servicing 's foreclosing attorney on many occasions to let them know that th e accounting information is incorrect, but they still push forward with foreclosure. There should be rules that foreclosing attorneys must adhere to before foreclosing on someone 's home. They should verify ownership and accounting before filing documents in the court system. If it were us as regular citizens, we could go to jail. Please investigate this company and help keep homeowners in their houses.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called equifax to get the removal of all the credit inquiries on my credit report because they were tooken off but put back on and the representative that I spoke to said there was nothing that she could do when I know she could especially in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX /   2017  RS  Clark and Associates wa s in a receipt of a letter disputing alleged debt they were reporting on my credit reports in the amount of {$87.00}. Per the FDCPA, this debt collector must sent proof that this debt is owed with 30 days of my request. Till this day, this company never responded to my request and it has been well over 30 days. Under the FDCPA, a debt collector must cease collecting debt until they have been able to properly verify this debt to the consumer. RS  Clark and Associated  failed to comply with this regulation and ignored my request but continued to send updates to my credit reports. I am showing this company sent an update on  XXXX / XXXX  /2017 to  XX/XX/XXXX  and still has failed to send me the information I am requesting. This is  a direct violation of my rights. This debt does not belong to me and I have NEVER done business with this company and do not intend to.

Company response to consumer: Closed with explanation