milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/XXXX, Midland Funding somehow filed a judgment against me for a debt it claimed had originally been a XXXX credit card. However, I was never served with any court documents, nor was I given a chance to validate the debt or provide any input on this decision. The judgment was just all of a sudden on my credit report. When I discovered what had happened, I sent a letter requesting validation of the debt ; however, I never received any response to my request. I am now planning to file a request to vacate the judgment as my credit report shows that at the time this judgment was filed, the statute of limitations had expired on the XXXX debt, which Midland Funding claimed to have the right to collect. According to my XXXX credit report, there is no record of any payments having been made in XX/XX/XXXX until the present. In addition, the debt was declared as a charge-off in XX/XX/XXXX, which does not happen until a debt is seriously delinquent. It is against the law for a debt collector to pursue legal action for a debt that is time barred ; therefore, this judgment needs to be removed from the public records and from my credit report, or I will take further legal action. Midland Funding is in violation of the Fair Debt Collection and Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have asked Experian to erase wrong personal information from my report. They send out report with statement of updated but not erase.

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 06/22/2015 about Debt collection (Payday loan) with Secure Capital Management, Inc. (NE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Below is a copy of the compliant submitted to the XXXX : Complaint Type : Consumer to Business ComplaintNature of complaint : Billing or Collection IssuesProblem description : I received a call from XXXX XXXX at XXXX, on XX/XX/XXXX, stating that I owed a balance of {$510.00} to a payday loan company. I asked him for the name of the company and he indicated they act on behalf of multiple companies, XXXX of which was EZ ***** which I have done business with. He never mentioned to me that this was to collect a debt per the FCRA. They indicated that they had attempted to serve me papers on a number of occasions and that they are going to begin the court process to collect funds. I have never received any such attempt notifications or paperwork regarding this debt owed. As I have done business with that company, I agreed to a payment plan of {$25.00} every two weeks beginning on XX/XX/XXXX. My final payment would be on XX/XX/XXXX. On XX/XX/XXXX, this company ran my debit card for {$28.00}. I notified the above individual and after giving him my name, he proceeded to tell me that they needed updated payment information. HE BEGAN TO TELL ME INFORMATION ON ANOTHER INDIVIDUAL and had no attempt to verify who he was speaking with. He told me a letter was mailed out on XX/XX/XXXX stating that due to a change in payment processor, the amount was increased. I never received such letter. Told him advanced notice must be given when the is a change to an agreement and he could only say that this was a 'last minute change '. I have worked in banking for 13 years and something like this is never last minute and notices MUST be sent out. 
Desired Resolution : Other ( requires explanation ) Desired OutcomeBilling adjustment - I was never appropriately notified that there was going to be a change to the amount of the agreement. Contact by the business - would like to receive e-mail communication from company regarding my agreement. Apology - official apology for the lack of communication

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.

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 12/23/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (OR).
Issue: Managing the loan or lease

Complaint: Lending Club sent my loan to an outside collection agency while I was actively paying according to terms. I called to dispute their actions and they took the loan back from the agency. After they took it back they put it in a charged off status even though I am current on payments and making them according to the original terms they did not charge off anything but refuse to change the status of the loan from charged off to current and paying as agreed. I 'm trying to refinance my mortgage and I 'm a XXXX veteran and on a tight budget with high student loan payments. Their illegal reporting of the loan is preventing me from refinancing with FHA and I 've been trying to get them to change the status of my loan but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened XXXX+ checking & savings accounts in both my name and my companies name without my permission. They never sent me statements or provided online access to the accounts so I never knew I had them. They also were charging me $ XXXX-XXXX+ per account for not meeting the account balance thresholds. This money was removed from my other accounts without me knowing. At one point a teller told me about it and I tried to close my accounts and XXXX account even had more than {$9000.00} dollars of my money in it. Wells Fargo will not help me resolve this. I 've spent over 50 hours on the phone and in their offices trying to resolve this and they just keep giving me the run around. They have fired everyone associated with it then when I call they just transfer me back and forth and take my statement over and over then never call me back. I have a print out that shows XXXX accounts from that teller that helped me otherwise there would be no proof. Wells Fargo has stolen a lot of money from me. Please help.

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 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years. 
he opened a XXXX account under my name owing XXXX $ now on my credit.. 
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB,  RE  ;  XXXX  -  XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  I am writing to you because I 'm in the process of purchasing a property thru   XXXX   a division Nationstar Mortgage who accepted my offer on the above property as of  XX/XX/17   .     Even though XXXX  a division Nationstar Mortgage made me pay up front a fee of {$25000.00} just to make an offer on the property my offer was accepted as of  XX/XX/17   .     I received the purchase agreement from  XXXX  a division Nationstar Mortgage who requested for me to sign the documents via  XXXX , at the same time I was assigned to  XXXX   XXXX  who identify her self as the point of contact.     As of  XX/XX/2017    an email was sent to me requesting for me sign the purchase contract which  XXXX  a division Nationstar Mortgage had confirmed my offer was accepted.       Now as of  XX/XX/2017     XXXX   XXXX  email me stating that because of my background my offer was cancelled and they accepted another offer which it was higher from my offer.       At that point I was shocked since  XXXX   XXXX  pretty much told me that because of my background  XXXX  a division Nationstar Mortgage refuse to move forward with my offer even though the offer was already accepted at that point.       I requested for  XXXX   XXXX  manager and she hang up the call, now after calling  XXXX  a division Nationstar Mortgage phone #  XXXX .   XXXX   a division Nationstar Mortgage keeps telling me that they are no longer going to speak to me because the property that I made an offer was already in the process of getting sold to someone else and no manager was available since they were all out of town.     Please please all I 'm asking is for help to stop  XXXX   XXXX  and  XXXX  a division Nationstar Mortgage from discriminating me and my family.       All I 'm asking is to continue with the purchase of my dream home and I feel this is not fair for me and my family.        XXXX   XXXX  Cell #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have a negative account on my credit report for {$34.00} in regards to some kind of medical treatment if anyone checks and researches my medical history they will see that I have medical insurance for the past ten plus years so I 'm not understanding how I can have a medical bill that is legal enough to put on my credit report how can a company charge you for services not rendered then hold you responsible for whatever they choose to put it on your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My husband was at our place of employment when someone called for me. The receptionist answered the call and someone asked for me. She said I was n't available and asked what this was in regards to and the man said business. My husband traced the phone number off the caller ID and it was from Kansas. Speedy Cash is from Kansas and I did have an account with them. I asked them not to contact my employer and they still did.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2016, I reached out to a Caliber Home loan processor to see if I would qualify for a home purchase because I had home previously and had to file bankruptcy. After an in-depth phone interview. I was told to provide all information that was discussed, I did. The loan representative sent me a total of 3 different preapproval letters, non of which turned out to be accurate, as I was n't preapproved. After a great deal of searching, in XX/XX/XXXX, I found a home and wrote a contract, which the loan officer acknowledged. My closing date was scheduled for XXXX/XXXX/16. During this period I continued to provide information as requested. As I got closer to the closing date without any communication from the loan officer, I sent an email to request information about if the closing was set. She finally responded back to me letting me know that my loan had been suspended. I had to contact her because apparently this was n't important enough to call, send an email or text for. The day before I was supposed to close I get an email that states the underwriter has my information and she is expecting approval the following week. The day I was supposed to close the loan officer says the underwriter wanted another letter from student loans, which would have taken 30 days at a minimum. Additionally, the seller was only willing to give two weeks extension at a significant financial penalty. I was out of money and had nowhere to go. I thought that all of this had been looked at prior to issuing me a preapproval letter. 
I reached out to a different banking loan processor and provided same information that was given to Caliber Home Loans and in one week ( and no money out of pocket ) I was told that according to new regulations I did n't qualify to make a home purchase. I needed to wait at least another year. I feel like this is information the caliber loan officer should have provided me instead of having me payout and lose {$1600.00}. Recently, I have had tried to communicate with Caliber Home Loan corporate office but all I get are excuses and them trying to justify they are right. Caliber Home Loan is trying to make it my fault that the loan officer procrastinated or that the loan did n't go through. I do n't feel as if they did their due diligence. If the rules were changed the loan officer, who is a " professional '', should have made me aware prior to the day before and the day of my closing. At least, if she had, I could have taken advantage of the contingencies built into the contract and received most of my money back. 
This entire experience has caused me and my family XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, XXXX, and Equifax that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, Equifax ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, XXXX closed sold off ) ( Equifax transferred ) XXXX {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Prepaid card (General purpose card) with U.S. BANCORP (WA).
Issue: Fraud or scam

Complaint: I am in the process of rebuilding my credit after a bankruptcy, and US Bank told me that if I get a prepaid card, my account can be reviewed in XXXX months with the likelihood that I will quality for a credit card. XXXX months elapsed, I inquired, and they told me I had been given the wrong information and that I will likely be able to get a credit card after one year. XXXX year elapsed, and I again applied for a credit card. The answer continued to be " no, no, and more no. '' In the meantime, they collect fees on this card, and would continue to collect fees except for the fact that I just closed the account. While claiming this was a tool to rebuild my credit, it seems to me to be a bait-and-switch gimmick that just racks up money for the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with National Arbitration Forum (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company calls me numerous times from several different numbers telling me they are from some division law company. Stating that they will file a lawsuit against me because a complaint has been issued under my Social Security number. Saying criminal justice legal law services. It is usually a different legal law service department that calls me. They are calling on my cell phone and at work. They are calling my kids cell phones also and threating them also.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt company has been calling me for the last few weeks. So on XX/XX/XXXX at XXXX I called the number ( XXXX ) and they are telling me that in XX/XX/XXXX XXXX there was a payday loan taken out in my name. They had my bank name but not the right acct. number and my S.S. #. They would not tell me who singed for the loan or how much it was for. I have never taken out a payday loan. I would like to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: it 's a phone bill with XXXX opened about 6 yrs ago, it 's still on my credit report

Company response to consumer: Closed with explanation