milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (Payday loan) with National Principal Group, LLC (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from a " server '' by the name of XXXX XXXX, who contacted me via an unlisted number, stating that he had papers to serve me regarding a payday loan that I supposedly received through an old bank account in 2011. He then provided me with a number to contact the collection agency in charge of the claim to settle the debt. The number provided was XXXX and it led me to a company called Lakefront Processing Solutions, a collection firm in New York. I spoke with a man by the name of XXXX XXXX who went on to explain that I owed some payday company the sum of {$600.00} dollars for defaulting on a loan that I never actually signed for and that I was to be charged with fraud and breach of trust ( He spoke so quickly that I could n't understand half of what he was saying ). I never received any documentation regarding these supposed charges nor any papers regarding the loan in question. All he did was threaten me with legal action if I did not pay him the settlement amount of {$400.00} dollars over the phone. Like a fool, I gave in to the pressure and fear of legal action and paid the balance. He then told me that if I had any further questions I could contact him or their parent company, National Principle Group ( Which does n't seem to exist, as their website is nowhere to be found ), and informed me that no further action would be taken. This is the XXXX time something like this has happened to me and it needs to stop. The practices these people use are illicit and abusive, and people need to understand that they have their rights concerning matters such as this. I wish I had understood that prior to this transgression, but you live and you learn. I 'm not wholly concerned with getting my money back ; I just want to do my part in ensuring that people like this ca n't prey on the fear of honest people.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: First contact was made on XXXX/XXXX/XXXX gentlemen informs me I have an outstanding balance on a loan. I inform the individual that I 'm not aware of a loan and would like to see a promissory note of some sort. The individual became rude, condescending and refused to provide evidence that I was ever responsible for the loan. So I informed the gentleman that I would not make any arrangements until proof could be provided. The gentleman then began making claims that they would proceed with legal action and verifying my employment. I then reinforced that no arrangement would be made and then asked that all communications cease. Since I have received calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A bank made an inquiry on my credit report on XXXX XXXX I didnt make any inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX ACCOUNT # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX  5-XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian refuses to give me access to my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: About a month or so ago I received a letter in the mail from Campus Partners informing me that my first post-deferment loan payment had been received late. Unfortunately, as a result of my move on XXXX XXXX, 2015, I did not receive their " attempts '' at getting in touch with me via the US postal mail. It was only after the change of address forms I submitted were processed that I received their late payment notice in the mail. I immediately called Campus Partners and they had the nerve to say it was my fault. Apparently I had only given 2 days to establish an online automatic payment, which was n't enough time for the bank to pay them on time. However, there is NOTHING on their website saying to give at least X number of days to set up an automatic payment or I would have called to make a one-time payment AND set up the auto payment for the following months. Consequently, I had thought that I had made the payment on time in a responsible fashion when in reality they received it a day or so later than the due date. I was hit with late fees and Campus Partners also notified the Credit Bureau of this " transgression ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (WY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.

Company response to consumer: Closed
Consumer complaint received 06/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is concerning a debt I found on my credit report last summer ( attached ). I tracked down this debt as a bill from a joint account before I filed and went through an ugly divorce XX/XX/XXXX. There are XXXX anomalies on my credit report concerning this debt. I attempted to resolve this debt XX/XX/XXXX when I started a debt management program with XXXX and was unable to locate the owner of this account. I have not received any written correspondence regarding this account save the return of the letters I 've written this year. ( I received almost no mail XX/XX/XXXX due to it being forwarded by the person XXXX I was divorcing ). I have tried calling this creditor at least four times last year - leaving messages that were ignored, and wrote letters on XXXX XXXX, XXXX XXXX, and XX/XX/XXXX trying to resolve discrepancies on my credit report regarding this debt. With each letter I included a check for the full amount beyond the discrepancies. Each of my letters and checks were returned without any response save an enclosed sheet with their address on it ( attached ). The XXXX discrepancies I need addressed are : * ( 6 monthly payments of {$94.00} from XX/XX/XXXX-XX/XX/XXXX not deducted from the balance principle. 
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management has been trying to collect on a credit card debt I had accrued on a XXXX.. 

The debt letters they sent me stated that my max percentage of discount I could receive would be 20 %. 

The mother of my children who 's lived with me for XXXX years also has some credit card debt with XXXX . Frankly it 's more my debt, but anyways point is, it 's ALSO in collection status and also with Midland Credit Management. 

The offer she was given was 40 %. When I contacted MCM management the supervisor acknowledged that our accounts are not being given the same discount percentages. Instead XXXX tried to negotiate with me. He was negotiating terms like a salesperson at a commisions based electronics store .... 

When I asked him to match the 40 % discount given to my wife, he said being in my shoes he would do the same, however, he was unable to provide me 40 %, only 35 % and the reason for it was because my account was in some other type of department or status, that was all he could say. 

When I told him that negotiations were not part of why I was calling, he tried to tell me to basically take it or leave it, and even told me to hang up the phone, it made no difference to him. 

I repeatedly expressed my desire to make a payment agreement of either 40 % XXXX time payment or 35 % XXXX payments before we got off the phone. The offer which was made to me prior was 30 % at XXXX payments ( 50 % each ) to pay off the balance. One supposed to be made on XXXX XXXX and one for XXXX XXXX ... 

However, XXXX XXXX felt it was better to try and negotiate percentage points with me. He would NOT accept ANY arrangement asked by me. Instead everytime I would ask him if they would accept a deal, they would instead just counter with a lower percentage, and would require it as a 1 time payment. 

Tired of this harassment, I told them to cancel ALL payment agreements until I was given the correct percentage discount off my debt that my wife was receiving for the same creditor/collection agency. 

I urge for your assistance with this matter, to prevent this company from allowing to continue doing business as it is currently. They have poor training it seems at MCM on how to deal with consumer debt as I was literally negotiating with a high level supervisor over a matter of 1-3 % at times .... 

Ultimately they failed to match the discount given to my wife, so I canceled any payment agreements until they get their act together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.

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 08-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Except for a 3 year period between XXXX and XXXX I have paid additional principal amounts over and above the minimum amount due on my mortgage for the past 12 years. As a result of the increased payment amounts the loan is nearing payoff and according to my records the loan will be fully paid in approximately 8 months. All payments have been made on the loan on time and there has never been a late charge assessed by the lender during the life of the loan. After recently acquiring the loan and for the past 3 years Ditech has withheld applying the additional principal amounts they received each month by suspensing them in an " Unapplied Funds '' hold. By withholding applying the additional principal amount from the loan Ditech has increased the principal loan balance by approximately {$1000.00} and has increased the total pay-off amount of the loan by approximately {$4500.00}. There is an approximate amount of money in their unapplied funds account of approximately {$3500.00} not recognized in a pay-off demand statement. Ditech must apply the additional monies they received over and above the minimum amount due back to the starting date of their receipt of them 3 years ago and they must correctly re-amortize the loan to reflect the additional principal amounts they received. To date Ditech refuses to provide a detailed amortization schedule with running principal balance total and an accurate accounting of amounts currently suspensed in an unapplied funds account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted the the loan company, mariner finance in XXXX of 2015, and told them the reason why I was behind on XXXX payments was because I was having financial difficulty and that my wife and I are XXXX. I also told them that I would try and pay in XXXX. The woman I had spoke to on the phone said that if i was not going to pay that they would have to file a suit against me, after I had already told her that I would try and pay in XXXX. I then replied to her to do what she had to do, then she rudely hung up on me. since then there has been non stop phone calls by them trying to get a hold of me. They also had someone go to my house with an envelope saying please call us. In the envelope there was one of their cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
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: Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. <P/><P/>Why am I receiving this notice? <P/><P/>The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we  received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. <P/>What is garnishment? <P/>Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. <P/><P/><P/>The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. <P/>When you know a warrant has been issued, you should E-mail us on to discuss your options. <P/>After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. <P/><P/>IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. <P/><P/>Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other fee

Complaint: I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiries and/or unknown companies : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with AFNI INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.

Company response to consumer: Closed with explanation