milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: FIRST COMPLAINT IS THE AMOUNT THAT I PAID IS NOT WHAT XXXX STATED THAT I OWED. THEY PUT THIS ON MY CREDIT ( IN WHICH I PAID THIS WHOLE BALANCE IN FULL ). THEY ( CREDIT CONTROL CORPORATION ) MADE ME PAY {$150.00} WHEN MY BILL FROM XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (AL).
Issue: Struggling to pay your loan

Complaint: I have been trying to change payment dates with Lending club for several months. I took out a personal loan in XX/XX/XXXX. I made on time direct deposit payments. I started a new job in a new state in XX/XX/XXXX and that move threw off both my pay dates and I winded up changing my bank account out of necessity which caused my direct payments to be off. I have called and sent a letter by certified mail ( XX/XX/XXXX ) to address this issue. They have refused to compromise in any way while reporting 30 days late SIX times since XX/XX/XXXX. 
Late payments XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late I have made payments each month trying to get back on track but I ca n't unless they make a payment arrangement to change the payment date. Now I am unable to get a new loan from someone else to erase the 30+ % interest rate that I didnt know that I had and start over and I cant start over with Lending Club . I dont know what else to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Payday loan () with Green Trust Cash, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I all ready paid XXXX in interest and the loan was for XXXX but know I ca n't afford it no more .So please I need it to stop

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: My name is  XXXX   XXXX , and I bought a home in  XXXX  from  XXXX  ndy Mac Bank.  I lost my home to foreclosure in  XXXX . I tried everything possible to save my home, an d Indy Mac Bank denied me a home loan modification. Instead Indy Mac Bank force d a foreclosure on my home and I lost my home in  XXXX . I even filed for bankruptcy on  XXXX  occasions to save my home,  but IndyMac Bank s till forced a foreclosure on my home. The address of the home I lost to foreclosure in  XXXX  was  XXXX   XXXX   XXXX ,  XXXX   XXXX , California  XXXX . I invested a lot of money on this home and I never got a dollar back fro m Indy Mac Bank. They ( Indy Mac Bank/One West Bank ) owe me a lot of money in return for forcing my h ome into foreclosure. Please help me with my compl aint. IndyMac Bank shoul d pay for what they did. Please help me recover some of the money I lost. Thank you for your help.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX  XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: To : Bank of America Mortgage Service Attn : Customer Relations DA : XXXX XXXX, XXXX RE : Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was XXXX, XXXX to XXXX, XXXX. According to my records Ive paid a total of {$7.00}, XXXX during my loan. How much interest was taken towards my mortgage during that time? XXXX XXXX XXXX purchased the loan from you Bank of America Mortgage Services. I must inform you that my name could have been listed as XXXX XXXX. XXXX when transferred. Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to Bank of America Mortgage Service, if everything was transferred to them at the end of the mortgage loan with XXXX XXXX XXXX.
My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan. Provide documentation of the year when mortgage loan should be paid in full according to your records.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have an opened complaint as well to the U.S. Department of Education as well.. 
I have had issues both with XXXX and Navient once they took over, first issue was they had the wrong graduation date as XXXX XXXX instead of XXXX XXXX which caused them to put me in a forebearance while I was still in school. Second issue I could not make payments online until my Loan was current and up to date by calling in payments, they would only apply the payments on some of the loans, causing late fees in others. Third issue they will mail me documents which never arrived. Fourth issue was sending letters to relatives saying they could n't get a hold of me when I 've been in contact with them weekly. Fifth they could n't keep track of my records when I put in a research request I would continue to get phone calls, and then the representative would then notice it was in a research status .The last representative said there was no such thing as a research status, and if so I was not notified that the research status ended. They emailed me a document which then never showed in their system until I spoke with a representative, they then re issued the document with a new date. Went I applied for a home loan, my loans did not match what was being reported on my credit report. I have documentation to back up some of these claims as well as other smaller issues. Constant harassing while I was n't in school 3 to 4 times a day different phone calls, bad record keeping, loans I do n't even know about.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (WI).
Issue: Trouble during payment process

Complaint: I hope you can help me out. I 've been trying to with no avail for the last YEAR to sell a vacant lot that I have a mortgage on with Bay View.But I can not get a clear title from Bayview because of a mistake in the legal description. Bayview has been unresponsive to our request to straighten out this matter.The title company tried to work with Bayview and they would not respond to them. I 've tried numerous times to contact them and talk to them and no one would respond to me.So we hired a lawyer and he 's written numerous letters to Bayview and no one will respond to him either. Bayview is holding up the sale this property by their lack of communicating with us, let alone trying to fix the problem. We could really use some help here because everything we 've we have tried so far has not worked. <P/><P/>The problem is in the legal description of the property. I bought the property 12 years ago with a small cabin on XXXX Lots. Throughout the years we built a XXXX bedroom XXXX on XXXX of the lot and refinance a couple of times to do that.The original mortgage holder ( XXXX XXXX ) would copy and paste the original legal description for the property on all the new loan agreements, thats where the problem is. Even though we broke them up into XXXX separate parcels each with their own separate loan. I need to getclear title for the vacant lot so we can proceed with the sale and pay off that loan.But Bayview lack of  response for OVER A YEAR is unacceptable.I also fell thy are breaking numerous banking laws by their lack of response and their unwillingness to help resolve this matter. <P/>I 'm attaching copies of the letters that were sent to Bayview over the last year, which will help establish a time line and we also had numerous phone calls that led to nowhere!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (DC).
Issue: Shopping for a loan or lease

Complaint: I applied for XXXX and was discouraged by staff that I could not be able to get a chance for a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On   XXXX   XXXX  , LexisNexis supplied my background report to somebody without my authroization. This report contained my Social Security number and other vital and sensitive information that should not have been released without my authorization.     I  never authorized ANYBODY to receive this   information. Somebody than proceeded to post my background report on an  XXXX  and  XXXX  page for the world to see.     I had checked with a friend of mine in the FBI who had stated the report came from LexisNexis. I had contacted them to start an investigation and let me know who requested this report which would then let me try and find out who posted it, so I can take appropriate legal actions once I find out.     LexisNexis stated to me that cant furnish that information to me due to proprietary reasons. I stated to them that if they are bound by the FCRA, which i notice they are, they have to furnish me the information as to who requested my report from them. They told me they could only furnish me this information if I were to issue them a court ordered subpoena.     I do not think this is fair that for me to get a copy of a report of mine that was illegally obtained and posted on social media, that I have to pay a lawyer to receive the information that is my right to have due to the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with Fitzgerald Goldman & Associates, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They said if I did n't set up a payment plan that they were going to file charges in court and I would go to jail if I did not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Requested this to be disputed and has not been resolved in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: PORTFOLIO RECOVERY XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification Portfolio Recovery and XXXX is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 1997 the Law Office of Michael J. Scott, P.C. filed an Abstract of Judgment against me for a XXXX XXXX credit card account debt that is not mine. I am currently a XXXX XXXX customer in 'good standing '. XXXX XXXX has n't informed me of this allegiant past debt and I have never had a XXXX XXXX account with a of {$2100.00} balance. The Law Office of Michael J. Scott P.C. in XXXX, Texas failed to accurately identify the person who owes this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (I do not know) with ATG Credit, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed for Chapter XXXX bankruptcy and included my XXXX XXXX account and my Wells Fargo Financial account. I disputed the information through all the credit bureaus but XXXX and XXXX reports have not updated.

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 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 05/13/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt continues to remain in collection status on my credit when balance has been paid in full.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 started a dispute on XXXX XXXX, 2017 stating that several accounts were invalid and should be deleted from my file immediately. Within 30 days Experian completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. Experian has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.

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 08/19/2016 about Debt collection (I do not know) with ESCALLATE, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to Escallate Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company which has well surpassed the 30 days allowed by law for a 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 explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and Equifax report. The account was paid XXXX but on all 3 credit reporting agencies dates are XXXX, XXXX and XXXX. I have disputed this account be removed twice to all 3 agencies. They state regions was the original creditor I never received student loan through regions my student loans were Federal loans opened in XXXX and XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXXas reporting on XXXX and Equifax. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XXXX, XXXX XXXX ( acct XXXX ) opened XX/XX/XXXXand XXXX orig delinquency date should be XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief