milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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 have entered into a settlement with this company. I have 2900.00 remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last XXXX payments. Which is for XXXX each for XXXX more months. I need this account removed. 

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 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attached CFPB complaint and email correspondence pdf noticing all the main contacts of the parties I have been sending my ongoing requests for documentation to. 

[ CIVIL CODE SECTION 2332. As against a principal, both principal and agent are deemed to have notice of whatever either has notice of, and ought, in good faith and the exercise of ordinary care and diligence, to communicate to the other. ( XXXX : XXXX ) ] I spoke with XXXX and his supervisor XXXX XXXX XXXX at the CFPB to ask specifically why no action had been taken on my complaint # XXXX that was directed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They said that this company is not " registered '' with the CFPB so they ca n't forward the complaint and that they do n't handle complaints related to this matter! 

XXXX also told me they submitted my complaint on XXXX XXXX, 2015, to the FTC 's Consumer Sentinal Network developed for civil and criminal enforcement and gave me the FTC number to follow up. ( XXXX ) XXXX. 

When I called the FTC, the phone prompts referred me back to the CFPB for my mortgage related complaint. I pushed through the FTC phone tree and spoke with XXXX who said they do n't handle mortgage complaints and that is the CFPB 's role. I told her that the CFPB had sent my complaint to the FTC but when she checked the database, nothing came up. 

I called the CFPB again and spoke with XXXX ( # XXXX ) and updated her on my talk with the FTC and asked her who I could speak with about getting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX registered because they are one of the entities I wanted to report. This debt collector law firm is in violation under the FDCPA, and has been trying to steal my home for the last year with apparent authorization from Nationstar Mortgage, who is a debt collector as well! 

I am now re-submitting this complaint to Nationstar Mortgage, XXXX, XXXX and XXXX XXXX XXXX and look forward to straight answers and a collaboration that will save us all time, make everyone accountable and with administrative remedy, avoid the court system at all costs. We all need undeniable proof of who is entitled to enforce the alleged note and who exactly the obligation is due, if anyone. 

On Wednesday, XXXX XXXX, 2015 there is another illegal auction scheduled for my home via XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX supposedly on behalf of Nationstar Mortgage on behalf of an alleged trust held by XXXX that was never funded on time and remains empty. 

You must cancel this illegal auction now and produce the documents requested! You have all been noticed, again!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: I keep getting tire email promotions from Ebay decided to apply for one last evening. When I tried to make the purchase only option I had was to use Paypal. My experience with Paypal is a nightmare since it waste customers valuable time and paypal customer support is extremely poor. As I expected I spent about half hours to make the purchase online and my payment keeps getting rejected and prompting me to call paypal customer support. When I call customer support I had to go through multiple security screening questions with first rep and to my dismay he said he had to transfer me over to another Dept since he ca n't help. Second rep told me I had to add my credit card to make this purchase happen eventhoug I have added XXXX Bank accounts and have made purchases from paypal in the past. After adding my credit card to my dismay second rep told me that I had to go through security screening again. After going though security screening again rep told me that he needs to bring someone else to make this happen and brought third rep on to the phone and he could n't help either. I ca n't make the purchase via paypal. I got extremely frustrated since I was asked to call Vendor to make the purchase since I spend almost 2 hours on the phone and I asked for supervisor. I spoke to supervisor call XXXX and he told me Paypal is doing all the right things and never apologized for wasting my time for 2 hours. This supervisor told me this problem would n't happen again. I called tire vendor and unfortunately he ca n't offer me promotion since promotion is valid only with Paypal and I am back to square one. 
I tried to make purchase again this morning and story is the same eventhough Paypal supervisor promised that it would n't happen again. I kindly request that Paypal approve my transaction right away and offer me {$150.00} credit for all the hassle I had to go through to make this purchase. 

Error : Unfortunately, your payment was declined You can select or add another payment method within PayPal and try again If you get this message more than once, please contact PayPal customer support for further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection date of XX/XX/XXXX and continues to report this falsified information even after sending documentation to validate the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Union Adjustment Company, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My account was forwarded to a collection agency known as union adjustment after I filed for a chapter 13 bankruptcy, the XXXX account was included in my chapter 13 bankruptcy. XXXX continues to report my account as open, NOT included in bankruptcy and reporting that it is late. In addition, 1 year after filed for bankruptcy XXXX forwarded my account to a collection agency. This is a violation of bankruptcy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Making/receiving payments, sending money

Complaint: I stopped payment on a check before it was cashed, 2 days later it was presented to PNC, they cashed it against my account, which I am not too happy about. They stated that if you do not stop payment on a check three days before it is presented for payment, then the check can be cashed. 
I was a manger in many banks for 23 years, I never ever heard of such a regulation. If the payment was stopped, it was stopped, and now with XXXX checks are cashed XXXX, so how can it be that it is three days before the check clears.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i went to open an account with XXXX XXXX in XXXX on XX/XX/XXXX and that is when i found out that i currently owe : XXXX : {$100.00} ( in fees ) TD BANK : {$230.00} ( in fees ) Mean while i am not sure how these balances came about because these accounts have been closed since XXXX. i have talked to and went to TD and XXXX that same day they claim that the accounts were fraudulent and they cant help because the account has been closed since XXXX, but what i owe them are random banking fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Delinquent account

Complaint: I had an account with Target XXXX Bank Account XXXX and was charged off. They sold the account to XXXX XXXX Account XXXX and it 's reported as a collection account, this is a double reporting that is called double jeopardy, double damage to my credit report, I have been disputed this double reporting with other creditors and everybody else have removed XXXX of the accounts just Target and XXXX XXXX are really hard to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with Clearview Resolution Services (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Mortgage (VA mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They send me a email threatened me to send me to jail!! I have the email. I paid this loan off I have bank statements shows that they took there payments out every two weeks for 3 years XX/XX/XXXX to XX/XX/XXXX, I do n't like being threaten to be sue and arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Student loan (Non-federal student loan) with Equitable Acceptance Corporation (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid 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 03/24/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
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 am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both ChexSytems and XXXX XXXX XXXX. I am a XXXX Citizen ( Attached Proof ). I have attached a copy of a XXXX that I intend to file if ChexSystems does n't remove the negative/inaccurate mark from XXXX XXXX XXXX. 

Final warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (I do not know) with Premier Portfolio Group (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called Trans Union on three occasions about hard inquiries on my report. There were 59 of them in a 6 month span, and I advised them that I may have had only five of  them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.

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 04-05-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I got my credit report and it shows that I owe a medical bill of XXXX dollars but it does n't show name, phone number, address, or account number of the collection company. And i would like to be removed since it it looks fraudulent.

Company response to consumer: Closed with explanation