milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Applied for loan/did not receive money

Complaint: Speedy cash offered me a loan of XXXX then took XXXX from me and when I wanted to cancel loan thru charged me another XXXX they scanned me I never recieved my loan.

Company response to consumer: Closed
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion

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 07/16/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have my minimum amount due set up on automatic bill pay. I have made no purchases on this card the last 3 months yet my minimum payment due fluctuates. I was charged a {$27.00} late fee for being short {$10.00} on my XXXX statement. 

XXXX min payment due XXXX XX/XX/279 XX/XX/276 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 01-08-2016 about Debt collection (I do not know) with American Coradius International LLC (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2012 I was in an ATV accident and went to XXXX XXXX XXXX hospital XXXX in XXXX, XXXX. After returning home almost a year later I was contacted by a collection agency that said I owed money for my medical bills. I have XXXX XXXX XXXX XXXX health insurance. The amount of one of the debts is {$690.00} and the other is {$540.00} and the collection agency said that I owed the money to XXXX which was not part of XXXX XXXX XXXX hospital. Upon finding out this information I called my health insurance agency and had a three way conversation with the collection agency and my health insurance representative, which stated that the bill was " not reported in a timely manor and the contract that XXXX has with the providers states that if the bill is not reported in a timely manor that the patient is not responsible for the bill. '' The collection agency ( commonwealth financial based out of XXXX, XXXX ) stated that they would resolve the situation and then transferred my XXXX XXXX representative to XXXX at which time the XXXX representative stated that the XXXX representative was correct and the debt would be expunged. Since then I have been contacted twice from common wealth financial trying to collect the debt and have went through the process both times again. I have just recently went to get a mortgage loan to find on my credit report that the Common wealth financial is still reporting that I have not paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is denying a modification saying I do n't have enough to support a modified payment .Mt rental income alone would support a hypothetical modified payment of amounts owed estimated {$200000.00} in a 30 year note at a market intrest rate.XXXX.This is wrong this unit serves as my primary residence also and there is no where else to go.This entity is awful to deal with, they have expenses that are no longer valid and they have been informed of this and they had my income wrong, its more.

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 09/16/2015 about Debt collection (Payday loan) with WLCC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The ACH amount owed XXXX XXXX was wrongly paid to New Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, New Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.

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 04/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: i took out a career training loan in 2005 aprox {$26000.00}. i'v been paying on this loan since a total of over {$40000.00} and still owe round {$11000.00}. this loan is a variable rate and i called Navient to see if the interest rate could be converted to a fixed rate being that i have paid over {$40000.00} on this loan and they flat out told me no. Seriously, i have paid well over what was borrowed and they are not willing to work with me to try and get this loan at a fixed rate. i was not even asking for a loan forgiveness. i was told i would need to re-finance through another banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (DE).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I signed a car loan with Ally Financial XXXX 2015. My car notes are just way too high. It appears that they charge high interest rates to minorities. I just can not afford this car. I do n't know why or how they approved me for a {$670.00} car note. Its almost like they purposely want me to fail this loan agreement. The company is very " bully like '' with their collection practices.

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 08/25/2017 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I maintain account with Paypal. Account is frozen, and I can not remove funds because of " compliance '' issues. Paypal compliance insists on needing a XXXX from me. I sell jewelry online but i do not buy from the public so a XXXX is NOT needed to be developed by me. Paypal is giving me the run around for 2 months, I can not talk to anyone in Compliance over there, and my account is frozen with no ability to withdraw funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Need to remove the comments on the XXXX account ... The settlement made with XXXX was for the " FULL '' balance not " less then full balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX  BANK OF AMERICA  XXXX   XXXX   XXXX   XXXX , TEXAS  XXXX   XXXX / XXXX /  XXXX   VIA : Certified Mail #  XXXX  Re :  XXXX  CREDIT REPORT #  XXXX  (  13 ) UNAUTHORIZED INQUIRIE ( S ) Consider this notice that you have 30 days to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no   debt is due to you.     Further, as a Consumer and since BANK OF AMERICA did not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$1000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$1000.00}.         BY :  XXXX   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 explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've disputed this account twice. Each time they have not deleted the account as requested but instead update the account as a new debt. Which harms my credit worthiness and character. I disputed the account in   XXXX   XXXX   XXXX     and again this year in  XXXX . After the first dispute I received no reply from the company only and updated credit history with a negative reflection on my credit. After  XXXX  's dispute they now send me a bill. The account does n't belong to me. Yet, they are asking me to pay  XXXX .   I do n't know if the company is  Pinnacle or Resurgent  as I have one company listed on my credit and the other sending the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GU).
Issue: Problem with fraud alerts or security freezes

Complaint: Dear CFPB Customer Service, This is to respond to the Complaint # XXXX reference XXXX. I am exhausted, if you need more information on my behalf. I authorize CFPB to release our information including my wife, she authorize to act on her behalf in the POA to be able to get her score with major credit bereu so the XXXX XXXX can able to transfer her money to her Bank account here on Guam. I authorize the CFPB, XXXX, XXXX, Equifax and XXXX XXXX to speak directly to our Attorney XXXX XXXX. his phone- XXXX. I also authorize our Attorney not to extended the Fraud Alert on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EQUIFAX, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Violation of failing or refusing to validate disputed items within XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I called Seterus as I did get a late letter notice. But I also wanted a detaile escrow statement for 2015 with all payments & the breakdown of my taxes and home insurance. When I called, I was connected to XXXX and he found my payment was in escrow, not sure why. But I also asked him for this detailed printout. I had to call him back with my loan number and I got XXXX XXXX. Needless to say, this young kid was not only rude, he talked over me and all I wanted was this printout which I am entitled to. 
I have had several issues with Seterus in the past but I have been ahead with my payments in the past years, even paying more on principle. So my request should not be something that causes a customer service rep to get nasty about. 
This was on XXXX XXXX of this year and I have yet to receive my escrow printout.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 first contacted Equifax regarding inaccurate information reporting on my credit report from a collection company  XXXX   XXXX   XXXX    XXXX    and  XXXX   XXXX  reporting several accounts that are not mine which was the basis of my dispute in    XXXX   XXXX   XXXX  .  Not only do these accounts not belong to me but the collection agency   XXXX   XXXX   XXXX   XXXX   are not bonded or licensed in the state of  XXXX  to collect debt under the  XXXX   Finance Code . Equifax returned these accounts as " verified ''. I then submitted a certified request in  XXXX  asking for method of verification which I am entitled to. No response from Equifax. In  XXXX  I sent another certified letter requesting that this inaccurate information be removed from my report or that I am sent actual proof that these debt belongs to me. On    XXXX   XXXX   XXXX       XXXX   XXXX  was removed from my report. I was relieved to think I was finally making progress. That was short lived when  two  days later on  XXXX   XXXX , I received an alert from my credit monitoring service that I had a " new collection account added to my report ''. I checked and it was in fact  XXXX   XXXX  being added back to my Equifax credit file. My frustration did not stop there. On or about    XXXX   XXXX   XXXX     , I received an updated report via my credit monitoring service and noticed th at 3 of the 5 ina ccurate accounts from  XXXX   XXXX  were removed from my report. Again, thinking that Equifax was finally doing their job, I was making progress. My score went from poor to fair! 3 days later, I received an alert that new collection accounts were added to my reports. Yes, you guessed it  XXXX   XXXX  was added back to my file causing my score to drop  XXXX  points!!!!! I am furious that not only is Equifax not properly handling my dispute but the improper handling of my dispute has caused more detriment to my score with the removal and then adding these accounts back as if they are " new collections ''. My rights under the FCRA has been violated as well as my rights under the  XXXX   Finance Code . I want all of the accounts being reported by   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  to be removed and STAY GONE from my reports and I would like Equifax to send me an updated copy of my credit report. I understand that Equifax does not control my credit score but the improper reporting of their information drives this score.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In XXXX of XXXX, XXXX XXXX XXXX Filed a Power of Attorney for me with Comenity Bank for my XXXX account. I had additional accounts with Comenity Bank, which included : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX applied the XXXX to all accounts and refused to accept my payments to them. After months of going around in circles, I finally realized what had happened. XXXX wrote a revocation of the XXXX for the remaining accounts and sent it to Comenity. I also sent a written request with Comenity requesting that they do the same. Comenity refused to honor my request and then sent matter to XXXX XXXX XXXX. Comenity is inaccurately reporting to all XXXX bureaus. They are reporting me as having revolving accounts and also sent to collections for the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They can not report me both ways. It is illegal and killing my credit. This is not right

Company response to consumer: Closed with explanation