milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a gym membership with my local  XXXX   XXXX . The contract I signed had a military clause. On  XXXX   XXXX    XXXX  , I provided them with a copy of my military orders. I received phone calls from  XXXX   XXXX , stating that they had not received my orders. I asked  XXXX   XXXX  for assistance in correction this issue, however they explained they could not access my files any longer and all questions should be referred   to Aldous and Associates.
Aldous and Associates refuses to answer my questions.
When I initially received a call from the debt collection agency, Aldous and Associates, the person I spoke to on the phone notified me that I could mail in my military orders. I called a second time a  nd asked  XXXX   XXXX  from  Aldous and Associates how I could dispute my debt. He continually interrupt me and told me to contact a lawyer. He stated that he could not give me any advice. I explained that I 'd spoken to another person within their office, he interrupted me again and told me I could n't have spoken to anybody who is " higher up '' than he is and if I wanted resolution I needed to find a lawyer. I called to change my automatic payment date and responded to an email with a request for a new reciept. He refused and replied " this is a none reply email '' I had to call his office and verbally request a new reciept be sent.       XXXX   XXXX  went out of his way to talk down to me and displayed gross disrespect and lack of professionalism. All I want is the opportunity to clarify this issue.     I specifically asked  XXXX   XXXX  if I could dispute my debt and he refused to answer me. I now know this is a violatio n of U.S. Code 15 after seeking le gal assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Other

Complaint: I am upset with Capital One credit card company regarding my account. They are charging me outrageous interest charges. They are charging unlawful service charges. I am really upset because they believed a casino ATM withdrawals that I was charges and they believed the casino and not my complaint I never got the ATM money the machines were are the blink and the managers of the casino told me they were having problems. You will see all the money from the XXXX XXXX on my statement. Also you can see all the charges that I have been charges in interest charges and other illegal service charges. I also am complaining that the balance should be made XXXX balance as I never asked for a credit line increase the company just added it to my account. I feel this is illegal because they did it so they could get more money from me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to BoA and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have been reading through a number of on line publications and still ca n't find a clear answer to my question. What are my rights to receive my monthly statement from my mortgage company in a timely maner? Two months ago I received my statement at the beginning of the month and my bill would be due on the XXXX of the following month. The next month it was n't printed till the XXXX and I did n't receive it till the XXXX for a bill due on the first. This month my bill is due in 8 days and I have n't received any statement at all from my mortgage company. I live in Texas. Is there a federal or state law that protects my rights? especially when there is a penalty for late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Debt collection (I do not know) with Admin Recovery, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Admin Recovery attempted contact with family and attempted contact with me at work on or about XXXX XXXX 2017 about a debt. Admin Recovery failed to provide me with information regarding a debt soon after they first contacted me.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing this request because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past th e thirty day m arks to verify these accounts. under section 611 ( 5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on Equifax in  XXXX   county  account number  XXXX  date filed   XXXX   account name collection with    XXXX   acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX    XXXX   account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my Equifax report and need to be removed immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: my client applied for a loan modification with Nationstar mortgage. his loan is serviced by Nationstar and owned by XXXX. The process started in XXXX and the home owner was required to submit financials XXXX times, change the XXXX XXXX times, and provide tax returns and explanations more than XXXX times. twice he was called by Nationstar and told they will be offering him a loan mod and to stop paying the mortgage. This morning I went on to the Nationstar website to see if they had amiled him the modification agreement and noticed the modification was declined. I called and spokt to a representative in loss mitigation. I called on a recorded line and the loss mit representatives name is XXXX XXXX. The time of the call was XXXX eastern time. He stated that Nationstars policy is not to allow a modification until the home owner is at least 90 days late on the mortgage. When I explained the home owner would be in danger of foreclosure he said to tell them not to spend the money but to hold it so the loan can be reinstated if a foreclosure date was scheduled. When I explained they would incur additional costs for late fees and attorney fees he said there was no way to avoid it. The homeowner qualifies for the XXXX modification and there is no reason that he was denied. they claimed he did n't have a hardship. This homeowner was 60 days late in XXXX and sold an automobile to get current so he could show them he would act in good faith, and by declining him the modification they are putting him in jeopardy of falling behind again and potentially losing his home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  XXXX  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance  of {$0.00} and is closed out. 3 months later, I receive mail from Midland Credit Management  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore de bt. Midland Credit Management s tated they bought the debt from  XXXX . After dozens of phone calls, neither company can help me.  XXXX  has hung up on me many times when asking how to handle th is. Midland Credit Management  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2015 about Credit card () with JPMORGAN CHASE & CO. (AR).
Issue: Delinquent account

Complaint: Over three years ago, I lost a job that payed approximately {$86000.00}. Unable to find another position in that field, I have started a XXXX career. Building a business takes some time and without an adequate income, some credit card payments could not be made. XXXX the accounts that I have are with Chase Bank. On XXXX account, they sent a letter, informing me that they were preparing to write off the account as a bad debt. Keep in mind that I have had these accounts for decades. However, on the other account, no letter was sent and they did write off the account as a bad debt. I called on XXXX XXXX and a lady checked their records and confirmed that no letter had been sent pursuant to that account. I told her that I intended to contact this agency, in regard to this despicable business practice. She ask me to give her a few days to see if this could be resolved. She informed me that she would call me back on XXXX XXXX. It is no XXXX XXXX and I have received no call. 
I called today and spoke to XXXX people. The XXXX person I spoke to, XXXX, said that the aforementioned person did process a request to bring back the account. He said that, according to what he saw on his computer, the request was denied because Chase Bank deemed it to be " no bank error. '' He also informed me that they are not legally obligated to send a notification that they are going to write off the debt. If so, the law is bad. I believe this is the type of unethical business practice from which your agency was designed to protect consumers. Hopefully, I am correct. The grand irony in this is that, as my business grows and matures, it is my full intention to pay off all of my outstanding debts, but Chase would rather write it off as a bad debt now instead of waiting for their repayment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In a letter dated XXXX XXXX, 2015 Green Tree Servicing sent a letter to me stating the following : " ... we have started to take the necessary steps required by law to gain possession of the creditor 's collateral ''. The issue is this : As of the date of that letter ( XXXX XXXX 2015 ) the loan was only 8 days past due, they had a future payment on file for me for the month of XXXX 2015 and all of this was verified and confirmed with their customer service representative on XXXX XXXX, 2015. I find this overly threatening and an unnecessary aggressive collection tactic. I find this type of harassment unnecessary and worrisome and would like for some assistance with this matter to stop these threats.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: my name is XXXX XXXX i submitted a dispute to transunion on XXXX XXXX ,2017 today is XXXX XXXX ,2017 and there is no response or update at all now ive called transunion and they hang up on me or leave me on hold like today for 3 hours and hang up the item im disputing transunion has on file # XXXX the collection agency shows a amount of XXXX $ and name of XXXX XXXX XXXX and the reason im disputing is because they have sent no proof of how they are validating my information because they have non please this has affected my credit severly and caused financial ruin with my credit in the dumps you can

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 05/14/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We have been regularly paying off the medical bill to XXXX XXXX OF XXXX with an approximate current value of {$2500.00}. We pay $ XXXX monthly but always when we receive a bill. The original amount was approximately {$7000.00} which we have made a significant dent in since inception. We are now getting a collection bill from CALIFORNIA BUSINESS BUREAU , Inc. without even being forewarned that the outstanding bill would be going to collection. They called me at work and were rude and misrepresentative. We negotiated this arrangement with XXXX XXXX XXXX in XXXX when we XXXX got the bill after our son 's treatment, and they were aware of our circumstances and agreed at that time, last year to honor this arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: RAzOR Caital LLC delivered court docs ( XXXX-XXXX personal pages ) to my home simply stapled no envelope ; to a roommate and I believe my privacy rights were violated. This is because new roommate ( non relative of two weeks ) was able to have an opportunity to view docs prior to my getting home. Prior to delivery of summons, Razor opted not to work with me and insisted even with a payment arrangement we still have to go to court if not paid in full by court date. And refused to consider any settlement offer prior to violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a victim of identity theft. I discovered this when checking my credit reports through XXXX in XXXX XXXX 2015. 
I immediately placed an initial fraud alert with the XXXX credit reporting agencies. I received my credit reports by XX/XX/XXXX and I proceeded to go through the dispute process. I also filed a police report - Case number XXXX. 

In XXXX XXXX, I received a phone call from XXXX XXXX from the XXXX XXXX financial crimes department. He told me that they pulled over someone with a false license plate. When the officers asked him for his ID, he claimed to be me. He had a fraudulent copy of my drivers license with his picture on it. He eventually confessed to the fact that he has been using my identity to pick up phones from stores. 

With this information, I proceeded to file a dispute with all three credit reporting agencies. 
XXXX and XXXX removed all my requests. 
Equifax, however, did not. Equifax refused to removed a few accounts because they verified that the items belong to me. I 'm not sure what their procedure is but it 's definitely incompetent. They also refused to remove the fraudulent and unauthorized hard credit inquiries that are a result of the identity theft. These hard credit inquiries will affect my credit score and will remain in my file for two years. 

I urge CFPB to investigate Equifax and their procedure on how to verify accounts as I find them to be incompetent and lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery has placed a collection on my credit report which was from a old XXXX Account which I have not made a payment on this account since that of XXXX. When Portfolio Recover was called they said according to their records I made a payment on XXXX/XXXX/XXXX to XXXX which is not true it is a complete lie. Because this false information is on my credit report I can not obtain a loan for my son to go to college. A dear friend of Mine has been in communication with this company and I have made a copy of all the correspondence which she has sent to this company

Company response to consumer: Closed with explanation