milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Scheer, Green & Burke L.P.A. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This Was Sent Into Debt With Out Me Being Informed Of The Debt, The Date Of Debt Says From XX/XX/XXXX But Was n't Submitted Until XX/XX/XXXX As Shows On My Credit Report, They Will Not Show Me Proof Of This Debt I Have Ask Several Times For Them To Send Me The Proof, Ive Called And Ask To Have The Lawyer Call Me & Will Not Respond, I Went To Office They Showed Me A Paper With Blank Pictures Showing No Proof But A Bill Amount, They Have Been Doing This To Me For Years Charging Me For False Fines Or Cleans With No Proof Of Action, Ive Talked With Head Supervisor Of XXXX Many Time To Have Thrown Out But It Seems Some Still Get Sent Over To Collection, They Have Tried To Charge Me For Boarding Up My House I Boarded Up Myself & Had Pictures With Dates Show They Didnt Do This Work, This City Is Very Shady And Crooked Charge People For Stuff Never Done & Falsely Making Up Bills

Company response to consumer: Untimely response
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: To whom it may concern on  XX/XX/XXXX  I opened a Capital One card. My limit was {$30000.00} and I had a perfect credit scores in the high   XXXX   range, never missed payments on none of my 27 accounts. I got a call and letter from Capital One stating they see weird activity on my account and they closed the account, the account was also maxed to the credit limit which I never even gotten to use the card. The {$40000.00} charges to my Capital One card does not and was not incurred by me and I did not authorize anyone to use my card. This account was closed and charged off on  XX/XX/XXXX  however it is still accruing interests till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Fraud or scam

Complaint: Someone hacked my Western Union money transfer account on XXXX XXXX 2017. Attempted to do XXXX transactions. 
1 ) The amount {$540.00} and I received notification in email that amount is picked up. 
2 ) After 10 minutes of XXXX transaction there was XXXX transaction for amount {$640.00} was made, however this was rejected by system. 
In both cases country of receiver is XXXX and appears to be done by same person.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Adding money

Complaint: I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Hello I was given a loan estimate with closing costs of {$7000.00} dollars. This included {$2300.00} in loan costs + {$4700.00} in other costs. Completed some paper work and then provided {$500.00} dollars of good faith funds. A couple hours later that night I get a email message saying the loan estimate has been revised. Looking at it the closing costs went up to {$10000.00}. Now included {$5800.00} in loan costs + {$4300.00} in other costs. Basically they added 1.5 % of loan points at a cost of {$3700.00} dollars. The fist estimate only had XXXX of loan points at a price of {$310.00}. Can they legally do that approach of a bait and switch on my loan estimate? I called the loan manager and he said it was a system error and would be corrected but I have yet seen the updated original loan estimate. Now they want to keep my {$500.00} dollar good faith payment. The mortgage banker got an attitude when I called him and asked what happened. He said he was going to cancel my loan and keep my {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX  t Date   XXXX    31,2012 Amount   XXXX  This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted   XXXX   and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: This letter ( XXXX personal information ) was sent to Toyota Financial. I believe it properly outlines the issue. 
Agent, I 'm sorry to report that Toyota Financial is in violation of Federal Law regarding my purchase of a XXXX Silver Prius. 

In XXXX of XXXX, I contacted XXXX and advised that I must Voluntarily Surrender the aforementioned vehicle, as I 'd been XXXX mandated to stop working permanently and was, as of XXXX XXXX, XXXX, considered Permanently XXXX in the eyes of the Federal government. 

I advised XXXX that, without the paycheck I had in place upon purchase of the vehicle, I could no longer maintain payments as arrange, and would Surrender the Vehicle voluntarily. Working closely with XXXX and following directions exactly, I left the car and keys with a XXXX dealership. 

Not until XXXX, XXXX XXXX, when I tried to rent an apartment, did I discover that Toyota Financial falsely reported the Vehicle Surrender as a Repossession. My credit score had dropped from a typical mid-XXXX, where it stands, with Repo - a low XXXX. 

I called Toyota Financial on XXXX/XXXX/XXXX to inform an agent of the error, but was told by a woman who declined to giver her surname that " XXXX considers a Voluntary Surrender and a Repo the same thing ''. 

Because of Toyota Financial 's ignorance of Federal Law, - and only because of this carelessness, I am a homeless, XXXX person. Please refer to XXXX 's Violation ( the XXXX thus far identified ) : Subpart E of Regulation V, 12 C.F.R. SS 1022.42 ( a ), the implementing regulation of the Fair Credit Reporting Act, 15 U.S.C. SS 1681, et seq ( FCRA ). 

I demand that XXXX not only immediately correct its wholly preventable and previously-correctible error to the the major reporting agencies, but at once supply me with documentation of XXXX 's false reporting so that I may obtain shelter for myself in this, my Permanently XXXX status. 

Please be advised that Toyota Financial 's erroneous and probably deceptive action will very soon be reported to the Consumer Financial Protection Bureau on the Federal Level, to the State of California, and to the XXXX prominent credit reporting bureaus. 

I will remain homeless, because until Toyota Financial corrects its own ghastly and likely deliberate reporting. Please reach me as soon as you read this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

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 08-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (SC).
Issue: Getting the loan

Complaint: Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.

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 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX debt for XXXX that is paid in full and on time. On 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 explanation
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have no documents to attach because there are none in existence. This is not my debt and has never been. Approximately XX/XX/XXXX, I received a credit alert from one of the reporting agencies. I immediately looked at my reports to find a collection agency placing a account. I found out who the alleged original creditor was and contacted them as I currently have an current open account with them. When I contacted them I inquired why my account was sent to collections. They told me that my account was CURRENT and I had NO PAST DUE BALANCE! I asked them to please look back to the inception of my account to positively make certain I did not owe any past due amount. They verified that there was no past due balance and also stated that there could be no past due balance since any amount not paid would be added to the next billing cycle. I already knew I had no delinquent amount with them, but wanted to make 100 % certain. I filed a dispute with XXXX  on XX/XX/XXXXand on XX/XX/XXXX this account was DELETED. It was then reported to XXXX. Additionally, I never received any notice from XXXX XXXX XXXX XXXX. that an account under my name was placed with them. They listed the open date on my credit report as XX/XX/XXXX ; IMPOSSIBLE since I contacted the original creditor on XX/XX/XXXX and verified I had no past due or account placed for collections. I did receive a letter from XXXX XXXX XXXX   datedXX/XX/XXXXsaying they investigated my dispute and will report their finding. This is a complete violation of FCRA 623 ( a ) ( 5 ) ( A ) and CFPB Appendix E to Part 222. They have not supplied me with any physical evidence of this alleged debt. They delete it from one reporting agency just to report it to the next. What are they agency hoping? This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX XXXX. make up fake accounts and report them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed? I am also going to file a complaint with the Arizona Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all!

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 10-09-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.

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 01/14/2017 about Other financial service (Debt settlement) with American Consumer Credit Counseling, Inc. (NV).
Issue: Customer service/Customer relations

Complaint: I 'd like your intervention in getting the cancellation response from the following company : American Consumer Credit Counseling XXXX Inc. 
XXXX XXXX, MA XXXX Client Reference # XXXX ; XXXX I had previously contacted this company for credit counseling. The process was scheduled to start on XX/XX/2017 with an initial amount of {$980.00} to be drafted to my Bank account on or about XX/XX/2017. In the meantime, I decided to cancel the arrangement, and I notified this company several times through email notifications. I also tried to contact the company by phone, but they 're not reachable ; and nobody contacted me after leaving numerous voicemail messages. The company needs to send me a confimation letter stating that proposed contract is cancelled and they would make no withdrawals from my bank account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation