milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-10-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: Their info and process is not transparent and dont give clear info. I paid a big chunk of my loan last year and they told me i have the payment due one year after. I still paid some before the next due date. I am paying more now than before even, but i still get few calls a day telling me i am behind and they will send me to collection and my credit will be ruined and they are charging more for finance charges. They are charging me 37 % interest and never decrease the payment amount due to lower total. The never give me clear numbers why and how they are charging me this much and why i am behind with higher payment with lower amount owing and still the amount owing keeps increasing. It is like contracting with devil.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Prepaid card (General purpose card) with U.S. BANCORP (IA).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage

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 12-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: XXXX Renewal Month-XX/XX/2015- {$110.00}. Called XXXX XXXX-Ext. XXXX on XX/XX/2015. Canceled XXXX account, then canceled American Express card ( XXXXSupervisor ). Paid my last AE statement-closing date XX/XX/2015 in for {$85.00}. Told nothing more to do. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX on XXXX. Received AE statementXX/XX/XXXX-balance of $ XXXX-Disputed with XXXX. Received AE statement-XXXX-balance of {$130.00} ( fees ) -disputed with Supervisor XXXX ( ID XXXX XXXX ) -Reference Number XXXX. Received AE statement-closing date XX/XX/XXXX {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there are several acoounts to whichi have no ideazn of the balance or company name

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is reporting I have a bankruptcy in Ohio, which I do not have. I initially was going to file a joint bankruptcy with my husband, but after consultation with my attorney, I withdrew my name from that bankruptcy. I have submitted documentation from the Law firm handling my husbands bankruptcy stating that I am not a part of his bankruptcy. This is causing me significant financial harm and personal grief. The law say 's, " Upon a bankruptcy, the creditor may look to the other spouse for payment, unless the bankruptcy case is under Chapter XXXX. If the debt is a consumer debt to be paid 100 % through the Chapter XXXX plan, the co-debtor is protected by the co-debtor stay in XXXX. '' Document attached.

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 02/16/2018 about Debt collection (Other debt) with Rodenburg LLP (MN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The debt in question is from XXXX XXXX. I was sued by the debt collector and the law firm started garnishing my wages on XX/XX/18. They contacted my employer without my consent and might have used a third party to obtain my employment history. Never did I mention to them where I work. I called on XX/XX/18 to follow up on this matter but they never did provide the information I requested. 25 % of my wages are being withheld and they have refused to compromise with me on any outside settlement and payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 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: Public record information inaccurate

Complaint: Tax Lien still showing on my credit report. It 's been over XXXX years. The tax lien was showing a property in another county that I have never lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Unlimited Progress Corp (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am repeatedly being harassed by phone for debt collection I do not owe. I have been called numerous times for debt collection of different people I do not know nor have lived at this residence. Some examples ; XXXX XXXX, XXXX XXXX or XXXX, etc. I have asked on every occasion where I have been home to answer the calls that my number be removed. Each time I am " assured '' that the calls will stop. However, the next day the calls will start again. The calls will be for a new person that owes money. This company is listed as Credit Discount and Audit Company. The number listed is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Money transfer, virtual currency, or money service (International money transfer) with RIA FINANCIAL (CA).
Issue: Other transaction problem

Complaint: Hi, I transferred some amount using riamoneytransfer.com to my XXXX account almost 3 weeks back. 

I waited for 2 weeks, money was not credited in XXXX Account, then I had to cancel it and request for refund, but its been more than a week now, they are not giving proper status updates and are not refunding my money back. 

Transaction ID : XXXX Thanks, 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 02/16/2017 about Debt collection (Medical) with JDJ Investments, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Company has stated to myself and CFPB that they would remove negative info from my credit file according to Case number : XXXX negative info still remains on my XXXX report for {$420.00} and {$140.00}. I ask that these are both removed from my XXXX report as they said they would do. These collections are preventing my husband and myself from obtaining a good report and keeping us from being able to purchase a home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/2018 this account has been removed from my XXXX credit report as unverified but it still remains on my Experian report. After another dispute this account Still Remains I tried to explain to the representative at Experian that this account does not belong there and it has been removed from XXXX. The representative advise me to dispute it again which I already did twice to no avail.

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 11-12-2016 about Debt collection (Payday loan) with Cascade Capital, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Loan was paid in XXXX XXXX. In XXXX, 4 years after I moved from VA ( moved in XXXX XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by XXXX XXXX XXXX representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan XXXX XXXX XXXX had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX XXXX XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that XXXX XXXX XXXX is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from Cascade Capital attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX XXXX XXXX XXXX contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Several banks and servicers have attempted to illegally take my home using fraudulent and bogus documents. XXXX started this in 2008 ; many banks used delaying tactics and phone mills/robosigning and refusing payments to put my home into jeopardy. I have been able to thwart XXXX seperate attempts to foreclose with the help of our local District Judge and Temporary Restraining Orders. I have reliable authoritative witnesses to the 'Transfer of Mortgage ' document XXXX ( recently they cancelled the sale of my home and transfer my case to Shellpoint Mortgage Servicing ) & Shellpoint Mortgage Servicing have used to say they have the right to foreclose, but they have no standing. Attempting to extort money from me using a fraudulent document is illegal. Their licenses to operate need to be revoked, and they need to cease and desist attempting to collect money from me, or any homeowner, unless they have a clear, legal chain of title. Which in my case they do n't or they wouldnt need to use one that is so simply proven to be fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Danco Financial Services, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is still being reported on my XXXX report it was opened in 2006 and I have requested for it to be removed and they have fail to remove it. XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had outstanding state taxes due to the Georgia XXXX XXXX XXXX XXXX XXXX XXXX. I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The credit bureaus are telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Experian Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.

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 08-03-2015 about Debt collection (Auto) with Zarzaur and Schwartz, PC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I went to the bank to make a loan and become a member, but when they pulled up my report it was showing a fraud victim/ XXXX alert ( and I 've never been in the service ). So the give me the number to Eqifax to make the dispute and take it off, the first time i called they kept putting me on hold and after all that i was told to fax my information and wait 48hours for a respond, after not getting a email i called again only to find they didnt " recieve my fax '' and was told to fax again. I asked how i was supposed to know if they got my fax and was told i had to wait the 48hours then call again ( so far that is already 6 days wasted ). three days later i call and they where able to pull up my fax only to tell me that since I 'm not through them they cant take the fraud off my credit and gave me information to XXXX other credit bureaus. I call XXXX to see if they can help me and was told they are unable to remove the fraud from my credit and was then transfered to another number who told me to file a complaint. This is crazy I 'm just trying to remove a fraud claim and for a week and a half now, have been given the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with RGS Financial, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rgs financial sent me a letter stating that i owed them {$210.00} dollars on an account from XXXX XXXX. I have disputed this debt directly with rgs financial as well as contacting the original creditor ( XXXX ). XXXX states that i have a XXXX balance with them and do not owe any money. XXXX is still continuing to collect on an account that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to you disputing a collection account as erroneous on XXXX XXXX, XXXX and mailed them certified, return receipt requested. I received notice in the mail that Equifax received the dispute letter on XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and I have not received a response from Equifax on the removal or status. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If they can not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. Failure to do so can result in a {$1000.00} fine per undeleted item. 

I 've filed a previous complaint with the Consumer Financial Protection Bureau ( Case # XXXX ) against Equifax and the XXXX XXXX XXXX for reporting and collecting an unverified debt that is also violating Federal and State Laws. The Mississippi Statue of limitations on this alleged debt has expired as of XXXX XXXX and is no longer a collectable debt and reporting a zombie debt is in violation of the FCRA. 

Equifax , CBA and CFBB have failed to resolve this issue and now in violation of the FCRA. 

I would like to see a response on this and the issue resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I have had santander usa as my car loan for 3 years and yes ive made plenty of late payments but i think something is really wrong i purchased the car for XXXX and its been 3 years ive paid lump payments upto XXXX and just to catch up well my car was repo 'd about 4 days ago i got a letter stating i owe XXXX and that once its sold im responsible for the remaining how is it thats its been 3 years and i owe more then what i purchased it for and its only worth XXXX as of today cause i tried to get rid of it just not to have this sitting on my credit but i think something is not right at all i need help i think they have robbed me of all the monthly payment i did submit cause it just looks like i paid interest every single month for 3 years please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My house is encumbered by a mortgage loan that is serviced by Bayview Loan Servicing. They have been giving me conflicting information and the runaround for over one year and now have set a foreclosure sale date for my home on XXXX XXXX. They have failed to review my recent financial information which indicates a change in income as well as the tax documents that they had requested I provide. I feel that they are in violation of the California Homeowner Bill of Rights and should not be moving forward to foreclose on me without giving me the chance to be reviewed for government and internal programs. 

This is an adjustable rate loan that I took out with other members of my family to purchase this home in XXXX. I am an XXXX XXXX veteran and currently out on a medical XXXX and live here with my wife and XXXX teenagers. I ran into problems because of this bad adjustable rate loan that started going up ( could go as high as 8.87 % ) and was pleased to get a loan modification in XXXX, which lowered my payment a little over {$200.00} a month. We made those payments as agreed for over two years but then ran into problems in XXXX. My daughter, who had been helping with the monthly payments lost her job. In that same time frame I had a death in the family and had to go back to the XXXX and help out with the funeral expenses. And to make matters worse, the person I hired to be the property manager for my rental home was assigning repair jobs to vendors who were not approved with my insurance company -- -which meant I had to come out of pocket to pay them. I ended up going to court over this, but lost. Due to all of these issues we fell out of our approved modification in XXXX XXXX. 

We immediately began reaching out for help at that time, and have literally been going around in circles for 18 months and now find ourselves on the verge of losing our home. We have all of the requested documentation ( past income taxes etc. ) and I also have my military pension and VA Benefits. My wife is now earning more money and I am being approved for medical leave XXXX pay. With these new and increased sources of income, we are in a position that we can afford a fair mortgage payment and this situation could be resolved. Bayview, as a recipient of bailout funds in the state of California, is required to review our current financial circumstances prior to a foreclosure auction sale. This has not happened, and I feel that our dedicated contact XXXX XXXX from Bayview is purposely denying us options. She asks for numerous documents and engages in communication, then tells us we ca n't get any help. Shortly after that we get numerous letters telling us that we qualify for help and to call in and send in our documents for review. It is confusing and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Stellar Recovery Inc listed a collection account on my credit reports which I have no knowledge of. I have no clue who this company is or what account they have listed on my credit reports. I have received no correspondence from this company regarding any account. They have fraudulently accessed my credit report, and I am disputing this account.

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