milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I 've been working with this " company '' since   XXXX   XXXX   ,2017  to pay off a loan the final balance was {$340.00 } (  original loan company  XXXX   XXXX   XXXX   ) the y set up monthly payments of {$60.00} which I made  XXXX  payment that came to {$240.00}. Everything was going smoothly, made my monthly payments time. Then on the  XXXX  of this month they hit my account. I was concerned and called the company ( spoke to  XXXX   XXXX .. if that is his real name ) and let him know that my account should n't have been hit till the end of the month. He informed me that the previous " agent '' that worked with me no longer works there and that he set up the payment. I asked "   XXXX   '' what is my balance, he stated that I owe {$190.00} but he 'll offer me {$150.00} which will be my last payment on the  XXXX . I thought about it and thought it was fair enough. Early Tuesday morning I got a bad feeling that I was going to be billed more than what I owe. I checked my bank account and counted the number of payments I have already made and made the conclusion that I owe  XXXX  instead of {$150.00}. I called the company back and spoke to this   XXXX   guy ( which is unprofessional ) and ask him why I am being billed {$150.00}. He stated that I made  XXXX  payments of {$50.00} not {$60.00} and there was a {$10.00} transaction fee. I was n't aware of this from the previous guy. I asked  XXXX   XXXX  why he told me before I owe {$190.00} when my balance from   XXXX   XXXX   XXXX   was {$340.00}. he told me There are interest charges!!! The original email they have sent me show that I owe  XXXX ! No interests included! I got mad and argued with him and told him that I googled the phone number and read negative reviews and demand him to give me their website. He spoke in a low tone like he knew that I have caught on. I cancelled my card that they have on file. I am afraid they will take more than {$150.00}. I do n't trust this company and the people that work there. Unprofessionalism and rude.I now know not to work with companies that are n't BBB accredited. I have the original email they sent me if you would that. I will NOT give them anymore money! Few of their phone numbers are  XXXX  an d (   XXXX   )   XXXX . The address I have found is  XXXX   XXXX   XXXX   XXXX  #  XXXX    XXXX    ny  XXXX . They still call and talk like I do n't know about the loan  XXXX   XXXX  and a   XXXX    XXXX  I believe. I 'm so fed up with them and so annoyed with myself to believe them. They will not get anymore of my money. The attachment is the letter they emailed me but I can not view it

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with AFNI INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMCOL Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had my report pull in XXXX XXXX I found unverified information listed on my report.I received a information that under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from AMCOL SYSTEMS INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ], to protect my privacy and medical records from third parties. I do not recall giving permission to { name of provider } for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter-sent certified mail as my formal debt validation request, which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back with you certified mail. 

Regards, Certified mail No : AMCOL SYSTEMS INC # XXXX XXXX XXXX XXXX XXXX , SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i have a collection debt on my credit report that is not mine, the natl.hospital collection has sent to my credit report that i have a debt with them of XXXX dollars.i an XXXX years old and i have been on my wife insurance were she works for a period of 15years so i do not know were they got this from .please help thank you

Company response to consumer: Untimely response
Consumer complaint received 04/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: I reported the problem to Money gram agent. would not give me his name. 
was told will email the complaint via email. I made the complaint on XXXX. 
As of yet money gram has not communicated with me at all. 
I felt ignored. Hold them responsible for not taking fast action. Part of me hold them responsible for my loss by not taking action in timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They put inquiries on my credit report

Company response to consumer: Untimely response
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX my wife spoke with the manager XXXX XXXX and authorized XXXX XXXX to submit a credit application to XXXX XXXX XXXX XXXX XXXX XXXX on my behalf. She specifically communicated that my credit was not to be shopped around or submitted to multiple banks without either of our authorizations. Further, the authorization given by my wife was only to use XXXX because she was keenly aware that Equifax was still reporting inaccurate information on my report that would result in a denial. 
I have already spoken with the finance manager, XXXX about the unauthorized inquiries and he attempted to make me complacent with the inquiries by telling me their impact will neutralize after 90 days. I do not feel this is fair, being that I did not authorize them to submit my credit to so many institutions. My wife wrote the general manager an email expressing her concerns about the unauthorized inquiries but he did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with Firstsource Advantage, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with DISCOVER BANK (CA).
Issue: Trouble during payment process

Complaint: I was a XXXX hired to do the signing for a Discover Home Equity loan on X/X/17 in XXXX, CA. I agreed to do the loan signing for {$90.00}. I have received 2 checks for the payment from the third party, Mortgage Docs Inc in XXXX, CA for payment, both of which have bounced. The loan was closed and funded due to my services. I have contacted the loan officer at Discover multiple times as well as spoken to supervisors, all who have promised to contact me regarding my payment, however no one has.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Medical debt) with Alpine Credit, Inc (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've never received any notification of this debt. Collection agency is calling but has n't sent evidence this is owed or I was ever notified previously.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with ATG Credit, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is "  XXXX  '' and the balance is {$6700.00}.     I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with  XXXX  other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine.  XXXX  of them was called  XXXX   XXXX   XXXX  with an account number of  XXXX  and another collection company was called  XXXX   XXXX  with an account number of  XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other  XXXX  collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage Lending Services said they paid my XXXX County Property Taxes on XX/XX/2016. XXXX County has no record of payment. Seneca told me they would send me proof of payment, but never did. Now my loan was sold to XXXX XXXX and they ca n't seem to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed and ask for documents from Experian showing that I actually owe these accounts, dates, signatures whatever that had on file to justify them reporting it on my file and they have failed to do this. I have called, sent letter and no information has been sent and it 's been over 60 days

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 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2011, I lost service from XXXX XXXX for over 3 weeks. During that time, no technicians could come to properly investigate why none of my services were working. When the technician arrived, he told me that the issue lies within another technician disconnecting my services and using my line to work for another household. He rectified the problem, and I let XXXX know that I had XXXX services from them for that time and would need a prorated amount. I paid the XXXX $ that they owed, and paid the next months bill. They continued to try and charge me full price for the 3 weeks without service. 

Skip ahead 2 years, I had XXXX XXXX again in the XXXX market for 2 more years with no issues, but then they attempted to send my account to collections even though i was a current customer!

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of about 143 million US citizens affected by the Equifax security breach reported on XXXX XXXX. I have checked and the website that tells users if they were affected or not and they believe my information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Delinquent account

Complaint: The retail company switched the finance company which handled their company credit card. Through the process they discontinued my auto pay and did not notify me of the change although they had my contact information. They finally called me when my account was 32 days late to inform me my account was 30 days delinquent. I have since brought my account current and setup auto pay once again, but they refuse to remove the XXXX missed payment in my credit history, which was due their internal process errors and lack of proper notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account with XXXX XXXX shows on my credit report as 30 days bas due reported in XXXX of 2017. That account was closed XXXX XXXX, 2017. My account has never been past due. I have reached out to XXXX with no response.

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 01/29/2016 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated.

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