milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-03-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from XXXX that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been XXXX week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXXI with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.

Company response to consumer: Untimely response
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans union refuses to investigate XXXX credit inquires not authorized by 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 01/17/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: During the refi process with Wells Fargo an apprasial was ordered. Unfortunately in the end we had decided not to refi with Wells Fargo becuase a better rate was found at XXXX XXXX XXXX XXXX. In order to not pay another {$650.00} in appraisal fees we requested Wells Fargo release the apprasial and the appraiser to XXXX. Wells Fargo response is we do not release appraisals/appraiser 's. I do n't understand this practice and costs the Wells FArgo nothing to release the apprasial/apprasial.

I do indeed have a copy but XXXX claims the appraiser needs to be released in the case they have additional questions.

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 10/23/2016 about Payday loan () with Enova International, Inc. (TX).
Issue: Payment to acct not credited

Complaint: As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: In   XXXX   XXXX    , I began contacting  XXXX  to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late.  XXXX  either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called  XXXX , the customer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  XXXX  " balance   XXXX   ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX     previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  XXXX  sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.  <P/> I was so exhausted dealing with  XXXX , and in disbelief that they would not correct/reverse the erroneous report { to the credit bureau s },  I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX    I was clearing out a box of documents to shred and came across the forbearance approval letter from  XXXX . Once again, I am hoping to correct this error to ensure that my  credit score is up dated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and 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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I put a freeze on my Equifax file following the data breach, as per recommendations, on XXXX XXXX, XXXX. 

I just received a letter dated XXXX XXXX, XXXX from Equifax stating that they were about to change my address from my actual current address back to my old address from 3 years ago. 

The letter stated I should contact them if I was going to dispute this. 

I called today and after several attempts and calls, was told they had no information on who was changing my address ( which creditor ) and that there was nothing they could do. 

I have not applied for any credit anywhere, I have no credit card debt, and they are informing me that my address is being changed to an address from 3 years ago, and they ca n't give me any information on how or why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: It was hard setting up pay arrangements with XXXX XXXX and navient for small payments. Making us difficult for me to make payments at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Payday loan) with Global Asset Management Group, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Told me how do you plan to pay if you not working in said when I was working I was paying they told me well the court costs and attorneys fees will be double his name is XXXX ph # XXXX I ca n't find an address or company bio I called the XXXX on that area they have know reference of the business

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 03-06-2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The rudest, most unprofessional people I have ever dealt with in my life. They call me about a bill from 2 years ago that 1 ) I never even received 2 ) Was settled in FULL. After confirming with the hospital and insurance that it was paid in full, this collection company says I still owe them money when I do not! And had the audacity to report it to the credit bureau! They say I still have to pay them, complete thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with Universal Account Servicing, LLC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was referred to addvantageusa from my credit repair company XXXX XXXX. Was approved and ordered a laptop whichwas never shipped! Cancelled the laptop order. I am now receiving statements and collection calls from UAS, universal acoount servicing llc XXXX. It states right on the statement its for my acct with XXXX. I cancelled all orders in XXXX 2015 with addvantageusa. They have debitted money from my checking account for a laptop inhave never received. I have called every week since XXXX 2015. I have also tried to start a chat on their website- three separate times they stated that they were going to take care of this and nothing has happened. Niw, they dont respind to my chats and never answer their phone. UAS makes daily calls to my cell phone while i am at work harrassing me for a debt i do jot owe. When i call them back, no one EVER answers! I have been on hold in their que for over 45 minutes! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (SC).
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: On  XXXX   XXXX ,    2017 I submitted  a dispute to  XXXX  regarding GM financial on my credit report. I asked for all the information regarding the account be verified. On  XXXX   XXXX ,    2017 t he investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX    dispute regarding this account. I have also supplied you with the latest information reporting from  XXXX  so that you may compare the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a car when visiting my mother in XXXX, Texas, several months ago. I returned the car to the airport when I flew home. First, I received letters stating I needed to return the car. I contacted XXXX and stated that I had returned the car. I had to fill out paperwork while at the airport because my mother 's neighbor backed into the car, and I listed her name and insurance information as the responsible party. The neighbor 's insurance agent had called me, accepting responsibility and giving me all the pertinent information to turn in to the car rental company. Then, I get a bill for {$800.00} for the damages. I sent another letter explaining everything again, with all the insurance information I had already given them for the damages. 
Now I get another letter dated XX/XX/2016, demanding payment and warning of collection efforts. Here is a copy of the letter I sent them : Viking Billing Service XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear XXXX XXXX : This letter is in reference to your letter requesting payment for a claim, number XXXX. I have no idea what is going on with XXXX. First I keep getting letters to return the car ; now I get a letter requesting payment for a claim. All the information was on the paperwork when I returned the car. 

When I returned the car, I stated on the paperwork that the neighbor backed into the car and she gave me her insurance information. I spoke with the insurance company, and the company accepted responsibility. Obviously, XXXX not only had lost the car ; the paperwork also vanished. 

Here is the information again. The insurance company is XXXX ; claim number is XXXX. The insurance agent 's ( XXXX ) number is XXXX x XXXX. 

I have been in XXXX and just now opened your letter requesting payment. I have never had such an experience with a car rental agency, especially with one as well known as XXXX. 

Sincerely, Please advise how I can stop this harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have sent a formal complaint to the Office of the President at Fifth Third and have attach this complaint to detail the exact events. Fifth Third did call and said they would respond by XX/XX/XXXX as requested in my complaint, but I have learned Fifth Third makes promises quite often that they don't keep.

To summarize my complaint on requesting a loan on a vacation home. I was approved for this loan on the 2nd wee k of XX/XX/XXXX. I put in an offer on the third week of XX/XX/XXXX and my loan manager at Fifth Third started the process. I submitted all documents within 24 hours of informing them of the accepted offer. After this point it was one thing after another as you can see in my complaint to Fifth Third. There lack of knowledge for handling a condo, HOA, and vacation home created one delay after another. Around the second week of XX/XX/XXXX I called my account manager and asked him to escalate the issues with management because dealing with the processor and underwriter were impossible. At this point I think I was flagged to fail because things only increasingly went downhill. Two weeks before my close they claimed the unit was considered a condotel. Once i offered supporting information from HOA and building owner that debunks the notation this building/unit operates as a condotel. Then it was some open litigation which again I was able to get the HOA legal department to demonstrate this was normal slip and fall and fall covered under the building liability insurance. This is when I was moved over to the VP in the mortgage department. She felt she could build a case for me and get this moved as a exception and approved. The morning of my close I was told legal and the bank president denied my request. I requested a simple document to present to the seller in hopes to extend my contract stating they refused me based on the " condotel '' and litigation claim, and they stated they would but never did. This decision and the length of time to make this decision has cost me financially because of prearranged travel, purchase of materials, and now needing a hotel at location in an effort to find a solution. To top this all off they promised to respond to me by XX/XX/XXXX but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Payday loan) with AMERICAN ADJUSTMENT BUREAU,INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The rude collector emailed me twice and then called saying they were going to inform XXXX XXXX XXXX to issue a felony arrest since I did not pay back a payday loan. The payday loan they said I took out was apparently XXXX of 2015 and I did not take a payday loan out and the address associated with the loan is not mine and the job title I supposedly said I did is not me either. The rude lady would not give me any more details or help me on what to do she said I needed to pay it or I would get arrested and the judge would be mean and nasty and make me pay it anyway even if I did not actually take out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with U.S. BANCORP (WI).
Issue: APR or interest rate

Complaint: I received a letter from US Bank, the issuer of my VISA credit card. US Bank is raising the interest rate on the card to almost double what it was. Not because we were late with a payment. We have NEVER missed or been late with a payment since we 've had this card which is over a decade. No. They are grossly raising the interest rate because our balance is too high in proportion to our credit limit. Now here 's where the complaint comes in. The only and I mean only reason the balance is this high is because US Bank promoted it! How so you ask? US Bank sent us a few Balance Transfer Checks in the mail. They asked us to please transfer other balances from other credit cards/banks to our US Bank credit card account. This was for a fee of course. So we did this. We transferred XXXX other balances that had a higher interest rate to the US Bank credit card account. Following the sales pitch that US Bank sent us. This essentially doubled our balance on the US Bank VISA card, but it was still well below our credit limit. So now they are raising ( almost doubling ) our interest rate to a level that 's higher than the interest rates were on the original accounts we transferred from. This seems like a " bait and switch '' routine. 

To sum it up US Bank asked us to transfer balances from credit card accounts that had double digit interest rates to the VISA card we have with them that was single digit. We did this. It was a good deal. It doubled our balance but did not put us over any limit. Now after we 've done this US Bank is going to raise our interest rate to double digits that 's higher than the accounts we transferred, and they say it 's because of our high balance ; which they encouraged!!

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've disputed inquiries in the past and even recently and they are still reporting! I have become a victim of your credit inquiry issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an XXXX XXXX account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

Cap 1 - Inquiry from XX/XX/XXXX Cap 1 - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX, XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXXXXXX XXXX - XX/XX/XXXX ^ notice no debt has or will be established with any of these creditors

Company response to consumer: Closed with explanation