milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.

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 06/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union - Should be removed with bankruptcy discharge XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX REV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast Past Due : XX/XX/XXXX90+ Days : XX/XX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XX/XX/XXXX XXXX REV RevXXXX XX/XX/XXXX C XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX230 Days : XX/XX/XXXX60 Days : XX/XX/XXXX90+ Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: A payment in the amount of XXXX made on XX/XX/XXXX was not processed because there was an error on end of payment system with XXXX XXXX XXXX. The payment was made on their web-site, the account number was one digit off, even though it was entered correctly at time when checking account was added. It took the account information with no error. A rep by name of XXXX advised me today, XX/XX/XXXX, the XX/XX/XXXX payment was reported 30 days past due when there was an error on web-site end. The correct account information was updated

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. (NY).
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: XXXX XXXX 's executive specialist team, As you investigate my complaint as well as Florida 's attorney general request for a written response regarding this subject matter, please take into consideration the following facts : The Equity loan that your company is compelled to hold me responsible for originated as an instrument of the now outlawed Pick-A-Payment loan, which was then a requirement in securing the primary loan note ( one could not exist without the other ). <P/>After a six year lawsuit that I initiated back in XX/XX/XXXX, due to XXXX XXXX reneging on their originating loan options and the predatory nature of the loan, I finally settled with XXXX XXXX at the direction of my attorney with the stipulation that XXXX XXXX would finally work to approve me for a loan modification unlike the the offer seven years ago that just offered the amount owed to be placed on the back of the loan in exchange for waiving my rights to bring suit against XXXX, of course I declined. <P/>My Attorney suggested I settle based on two key factors : > As flawed as the terms were I was previously approved for a modification back around XX/XX/XXXX, at the same time XXXX was found guilty of not modifying qualifying members like myself, a fact that was to be considered. <P/>> the equity loan that originated along with the primary note held the home as collateral and therefore as long as the equity loan was open and in place ; a foreclosure & sale was not imminent. <P/>What was not known at the time of the settlement by me or my attorney was that XXXX transferred my home equity loan back in XX/XX/XXXX without my knowledge or my attorney 's knowledge releasing the home as collateral and allowing XXXX to decline the Modification and foreclose on my home without obstruction, which they did. <P/>Although I asked XXXX representatives multiple times to update my mailing address while I was working out of town they kept sending mail to where I was not so I never received any notification of any changes to my loan account and neither did my attorney who was to receive all notification related to my open suit, especially given the fact that the settlement agreement in which I signed included reference to the equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 03-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery received credit card debt in my name following a divorce that I was disputing with the original credit grantor. I requested verification of the debt, which I did not receive after multiple requests. They advised me to email them on their secured server. To date, I 've received no response. They are also reporting to the credit bureaus that my account is is " Dispute After Resolution, '' which is not possible since nothing has been resolved or verified. Additionally, they are reporting a delinquency date of XX/XX/2015 - again, not possible since I have not agreed to the validity of this debt and made no such arrangements to pay. The original delinquency dates for these accounts was several years ago with the credit grantor, and thus my info is being falsely reported and it is negatively impacting my ability to secure a home mortgage. They are also reporting these accounts multiple times to my credit report, making it seem I am delinquent on more money than what is already in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted Barclay fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


BARCLAYS BANK DELAWARE Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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 01-10-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX/XXXX/XXXX {$4900.00} was removed from my USAA checking account without authorization. Someone called USAA on the phone & convinced them to send a cashier check to a person & place that I have never heard of. I have all of the specific info regarding who the check was made out to & the address the check was sent to. 

I & the others on this account spent much of XXXX/XXXX/XXXX on the phone with the bank that sent the check. They said they would try to get the money back but it is probably gone. There were also a couple other fees charged to us at the same time, for the unstoppable check & expedited mailing. 

I filed a police report. The money is still gone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2016 about Consumer Loan (Installment loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Problems when you are unable to pay

Complaint: I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX Acct # : XXXX : I have never paid late XXXX XXXX XXXX Acct # : XXXX : Inaccuracy payment information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: When is enough enough? I 've been back and forward with Wells Fargo in regards to modification for a long Of time. I just learned today, when I call to find out the status of my modification and regards to all the paperwork, that I keep submitting over and over again. I was told as of today, Wells Fargo stated, that they did n't have no paperwork on my modification. Wells Fargo rep alos told me that I never apply for modification. 

Wells Fargo, is now claiming they never received any notification in regards to any modification or paperwork. I was assigned to a different person now. Who said I had to start the whole process all over again. Wells Fargo wants me to submit my paperwork all over again. 

Within the past few years, I 'm trying to get this modification going. I 've been assigned more than XXXX different people from Wells Fargo on my case. I can not understand, why am I be given the run around. Why am I being assigned so many different people. Why can I just have one person assigned to this case from start to finish? 

Today somebody else called me and said they had been assigned to my case. Now today alone, I get XXXX different people assigned to my case as of today. That is XXXX more added, to all the other people that has been assigned to my case from before. 

Is this some type of a form of a joke? Wells Fargo is trying to play games with me. They assign multiple people to my case. They had lost my paperwork multiple times. Every time I do this modification, I am giving every excuse in the book. 

Wells Fargo will still say I need more documents to be submitted, the documents that I submit is now too old now, we needed to assign somebody else to your case and start the paperwork all over again, your paperwork is in review with the underwriter. Which I 'm told it could take a couple of months for them to decide. How many times do I need to submit the same paperwork over and over again? How many more times does somebody need to be assigned to my case? How many more times can you say I 'm missing a documents. Yet Wells Fargo said they had everything they needed.

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 06-02-2017 about Vehicle loan or lease (Loan) with CONDOR CAPITAL CORP (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My car was repossessed on XXXX XXXX, XXXX. I was out of work and could not keep up with my payments. I am now actively working and there will be no more issues. I was not notified by certified mail 10-days prior to the car being repossessed as required by Maryland law. I have paid all my past due payments and my loan is current until my next payment of {$460.00} is due on XXXX/XXXX/XXXX. The loan company is charging me a {$450.00} repo fee but since I was not notified that my car was being repossessed I am not obligated to pay this fee since I was not notified in advance. They will not release my car until this {$450.00} fee is to be paid. I have attached the only correspondence I have received from them which was after my car was repossessed. Also, attached are the receipts showing payment of the past due payments. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 01/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For three years we have made numerous requests for monthly mortgage statements in order to keep track of our account. It seems only right to have this information so we can verify that Nationstar, our loan Servicer is treating us fairly and equitably but they have never complied. A few days ago our fear of being a victim of a mortgage servicing fiasco has materialized when we received an Annual Escrow Account Disclosure Statement showing a escrow reserve shortage of {$5100.00} from our loan servicer. Immediately after receiving the aforementioned disclosure, my wife placed a call to Nationstar and spoke to XXXX, a customer service agent and asked why Nationstar is claiming we have a escrow account shortage. XXXX was unable to answer the question so my wife then asked her for a record of our complete payment history since Nationstar took over the servicing of our account three years ago. XXXX was kind enough to e-mail us a computer printout of our payment history which is attached to this complaint. 
Inexplicably, the printout does not include a running balance for our escrow impounds however, it does show the running declining principal balance which is significantly skewed in Nationstar 's favor due to their not having applied a substantial portion of the payments they received from us to the principal balance and or escrow impound despite the payments amounts being confirmed the in the attached Nationstar Loan History Transaction Report. 
Upon review, this printout clearly and unambiguously reveals that Nationstar has systematically received our payments but has not credited our account in the monthly amount of {$240.00} which we have made in addition to our regular monthly payment for the last three years. Instead they have labeled these payments as " PMT-MISC '' and given no indication whatsoever as to the disposition of where the funds went. 
Additionally, Nationstar has not credited to our account the full amount of our regular monthly mortgage payments we have made in the amount of XXXX each and every month since XX/XX/2014. Instead, Nationstar is crediting us only {$2700.00} calling it a " MISC ADJUSTMENT '' which is a shortage of {$110.00} that was not credited to my account every single month since XX/XX/2014. Effectively, between the two regular monthly payments we make to Nationstar they have shorted us {$360.00} every single month for the last three years totaling {$13000.00} that has not been applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Mortgage debt) with Quality Loan Service Corporation (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: loan originator   XXXX   XXXX   XXXX   no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year.   XXXX   is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump,   XXXX   XXXX   (  XXXX  ) accountability office,   XXXX   XXXX  , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified   XXXX   for payoff that I do not owe today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They allowed my personal information to be breached and did not warn me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2018 XXXX XXXX XXXX sent moneygram to travel agent XXXX XXXX XXXX at XXXX XXXX XXXX il XXXX to XXXX. First said funds picked up XXXX  said funds not received store say transactions incomple call sender XXXX XXXX XXXX. XXXX told glitch in, system now nobody has XXXX and we out XXXX we 've friend on other end needs XXXX. We do n't have XXXX to throw away time of essence moneygram receiptXXXX we need refund receiver needs money important

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with Army and Air Force Exchange Service (GU).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX 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 04-08-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this item with Experian for 6mos now and they will not remove it. I have filed an identity theft report and sent the information to them and they have not removed the item. The item is XXXX. I disputed the same item with XXXX, and XXXX has removed the item from my credit report. I would like for Experian to remove this item as it does not belong to me nor has it ever have. A copy of my identity theft report will be attached

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