milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to dispute inquiries with Experian that were not mine and they refused to allow a dispute online even though there was a dispute selection available. I disputed addresses that were not mine and they also refused to delete them.

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 09-05-2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I purchased a vehicle through J.D. Byrider/CNAC almost 9 years ago. I started having problems with the vehicle and with trying to get it fixed and stay current on the payments it became overwhelming so i included the car in my bankruptcy. I contacted CNAC to have the account removed from my credit reports but they have refused to do so. the vehicle i purchased caused enough problems, and even with all the repairs and money i had to put into the car i still made sure i paid my car note on time. I want the account deleted off of my credit reports as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Auto) with MAS Financial Services, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an auto loan with this company that is current. However when my payment is due the bombard my cell phone with automated messages. I 've asked XXXX multiple times to stop this and it continues. I have documented over 50 calls like this. I have told them I do not authorize automated calls as the # they use is my cell phone and I am at work ( XXXX ) when they harass me. Today I started getting text messages as well that my payment is 1 day past due.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving letters from First National Collection Bureau for a debt that has been paid and does not show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late XX/XX/XXXX. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.

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 11/28/2016 about Payday loan () with Citi Management Group, LLC (TX).
Issue: Can't contact lender

Complaint: Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION

Company response to consumer: Untimely response
Consumer complaint received 07-12-2016 about Bank account or service (Other bank product/service) with AMERISAVE MORTGAGE CORPORATION (ID).
Issue: Account opening, closing, or management

Complaint: I have been refinanced my mortgage with AmeriSave Mortgage Corporation on XXXX 2016. Then I told XXXX XXXX XXXX and XXXX XXXX XXXX that I will pay a Property Tax and Home Insurance by myself. But XXXX XXXX and XXXX XXXX and their company did not agreed it. They forced me to gave money to them and they told me that they will pay Property Tax and Home Insurance for me. Then I sent my money to them and they collected my money but they did not pay Property Tax for my home. Today, I got a bill with interest, and late charge from XXXX XXXX XXXX as following : Base Tax : {$830.00} Late Charge : {$16.00} Interest : {$58.00} I am trying to contact them but they told me that they did not have collected a money for Property Tax and Home Insurance. I would like to know that are they a scam company or not?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (I do not know) with LTD Financial Services, LP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For at least three times since XX/XX/XXXX and as requested by my lender First Key Mortgage, LLC XXXX, XXXX C/0 XXXX XXXX XXXX XXXX XXXX ( XXXX ), I had already faxed and downloaded ( into lender 's website ) proof insurance policy covering the improvements and betterments within my townhouse unit as confirmed several times by lender representatives on the phone and by fax receipts ( see attachment for verification ). But they kept sending me letters saying I did not provide proof of coverage and force me to buy their insurance by setting up an impound/escrow account for my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I was unemployed in XX/XX/XXXX and my checking account with Wells Fargo went negative {$500.00}. I recvd a settlement ck XX/XX/XXXX went to Wells Fargo to correct my account but was told it could not be done. I had to open a new account. I asked to pay off the negative balance on my original account but was told " no, that can wait, pay us when you can ''. I have received no requests to date for the debt owed. On XXXX XXXX the money was taken from my account without authorization. No phone calls, no letters, just taken. My new account is now negative and they have returned checks from my utility payments. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$200.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They continue to call and harass me at work and have called my manager.

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 03-04-2017 about Mortgage (FHA mortgage) with LIMESTONE TITLE AND ESCROW, LLC (TN).
Issue: Settlement process and costs

Complaint: I was told that there was a septic tank after I movied in I found water on the ground and it had sewer smell to it so we got to looking and following it and there it was a cv pipe in ground that some one had run over so we look to see were it went to cross my yard over in the field of the neighbor s down to the tree s on her land on the ground there was not any septic I had called the guy we got the house from he said dont turn it in to the county open a can of wormes to my friend this on the phone .I called the county guy he came out said he could write me up and fine me lot of money and get my neighbor to for letting this go on her land .so I called the mortgagee were we signed said I wanted to talk to there lawyer she would not call me back I got a hold of the guy that did inspection he got mad at me said he did his job I said no you did nt no septic no foundation the Door s want close on the bedrooms he built on .there cracks in the celling floors are bad I tryed all last year get help couldn t not get any were .laywers want talk to you with out want ed money to talk to you .one laywer I talk to said I been fraud but he be retied time it went threw .but he went over the paper work said I got lied to this is why I bet he did nt want me to get home inspection said there no sent he just had one done .this last year been  XXXX  for me when I dont get much money every month to fix this right .can t sell this home way it is.

Company response to consumer: Untimely response
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems

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 05-08-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Starting in   XX/XX/XXXX , I h ad issues with  my Paypal Business     a ccount where fraud transactions passed through the account via my business checking account and personal account that was linked. Also, a line of credit was opened where many transactions came through from a company  calle  XXXX   in  XXXX . I contacted that company several times, and mailed  Paypal the   emails or chat sessions.  Paypal c losed my business account.       XX/XX/XXXX , I st arted the dispute on t he Paypal line of credit transactions after many more attempts to resolve directly with the vendor. Paypal acknowledged receipt of the attached letter ( support was included by mail but not attached for it is cumbersome ) ; and mailed priority with tracking. I have yet to receive a status up date, and as  of  XX/XX/XXXX  m ailed a letter asking for a status. I have received nothing.     Prior to all of this, I had the same issues wit h my Paypal personal account with the same personal checking account linked. That account was closed as well. A line of credit account was opened as fraud, but disputed by the credit bureau, and Paypal removed ( see letter attached ).      The line of credit that I am disputing now is not report to the bureau, and I want to keep it that way. However, I have been making the payments of {$70.00} per month plus to avoid the account going into collections. I am  XXXX  and I also have a full time job, and studying for my  XXXX . I have to keep my credit in tact.     At this point, I am just wanting to know if they are even researching the dispute. As of   XX/XX/XXXX  ,  Paypal is not FDI C insured and therefore, I could not go through them for a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with NELSON AND KENNARD (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been trying to get this judgment taken care of with Nelson & Kennard for 30 days. I have made ten phone calls, sent one fax to Nelson & Kennard, and have only received two return phone calls. This is unacceptable. 

My first call was on XXXX XXXX, 2016 and I spoke with XXXX XXXX. She and I agreed that I have never received an written correspondence from Nelson & Kennard, not even a letter via Certified Mail which she mentioned. Nothing. During the past 30 days, I have received nothing from Nelson & Kennard supporting any debt : no copy of the alleged signed application for credit in which they are attempting to collect. 

I have provided a Satisfaction of Judgment for the XXXX debt to which I believe is the debt they are attempting to collect. 

I have good cause to believe I was sued in error. I was never served to provide me plenty of time to file a response. Therefore, this improper service provides me cause to have the judgment vacated! 

Today, XXXX XXXX, I faxed Nelson & Kennard a request to vacate, release, dismiss, satisfy the judgment immediately! 

Still, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have made a qualified written request recently to my bank and they failed to audit my loan. In response to my written request they stopped taking the mortgage payment via their " bill payer '' automatic payment system then wrote and told me the payment is due XX/XX/XXXX. It was paid today but I have no idea why they stopped taking the payment on their autopay system. I have asked Fifth Third Bank to audit my first mortgage and other old accounts but, they wo n't. My current mortgage account is still being over charged by at least XXXX per month and they admit they overcharged my account XXXX but they wo n't explain why they took XXXX from my bank without my consent in XXXX or why they overcharged me XXXX. The problem is they wo n't refund anything nor will they explain why I am paying to much each month. I know this will l happen again and I ca n't tolerate this equity skimming any longer. I have never missed my XXXX monthly mortgage payment yet, when I try to resolve it on my own, I get treated with disrespect. Please help, I am a senior citizen and I need my mortgage corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please note that this case is affiliated with [ Case number : XXXX ]. 

I am submitting this complaint due to my experience with Fedloan Servicing concerning the PSLF program. In XXXX, my colleague contacted the Department of Education inquiring as to whether her 501 ( c ) ( 6 ) employer, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was a qualifying organization for purposes of PSLF. The Department of Education affirmed that the organization was a qualifying organization under PSLF. When I submitted my PSLF certification to Fedloan Servicing in XXXX of XXXX, I was denied by Fedloan Servicing without explanation. The letter stated, " Organization does not qualify. '' Fedloan Servicing subsequently revoked my colleague 's PSLF eligibility claiming that our 501 ( c ) ( 6 ) organization was not a " qualifying organization '' for purposes of PSLF. I requested supervisory review of my personal application but the only information that I received back from Fedloan Servicing is that " organization does not qualify. '' Additionally, one of Fedloan Servicing employees told me that she was unaware of any 501 ( c ) ( 6 ) organizations that were approved as " qualifying organizations '' under 34 CFR Section 685.219 ( b ) for purposes of PSLF. 
This is denial is contrary to the regulations because my 501 ( c ) ( 6 ) organization clearly provides XXXX and meets the requirements of a " public service organization '' as defined by the regulations. The Department states in the proposed rule ( pg. XXXX, http : XXXX ), that the statutory definition of " public service job '' is meant to include " certain non-profit organizations that are not qualified under 501 ( c ) ( 3 ) of the IRC, but that meet the other statutory requirements and qualify as public service employers under XXXX. '' Congress clearly defined " public service job definition '' in the XXXX ( XXXX ) to include both " public education '' and " public interest law services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Payday loan () with Enova International, Inc. (NV).
Issue: Can't stop charges to bank account

Complaint: I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. 
During the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. 
They have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NE).
Issue: Unauthorized transactions/trans. issues

Complaint: Took XXXX days to get my funds from XXXX act and ten days for the other

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Settlement process and costs

Complaint: ComplaintDescription of the complaintOn XXXX XXXX, 2015 I received a letter from them that my mortgage has been transfer to another company and they do not give me information on the company and why are they transfer my mortgage who gave them the right to determine who I would like to be my mortgage company please investigate Wells Fargo Home Mortgage to ensure that the are following United States Federal Regulations and any misconduct and mismanagement all individuals involved be convicted according to United States Federal LawHow complaint can be satisfactorily addressedI would my Mortgage to remain with Wells Fargo and if I wanted a different mortgage I would request when do the bank tell you who got to do business this was my choice and my right as United States Civilian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation