milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Taking out the loan or lease

Complaint: Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I received a loan for {$5400.00} from XXXX XXXX after applying online. I was paying the loan via ACH drafts each month. I had to close the account due to issues and contacted XXXX to mail payment. They refused and attempted to still draft from closed account. I received emails from XXXX with my balance due of XXXX XXXX.The final email came on XX/XX/XXXX. I was unable to pay the full amount and the debt was sold. I began receiving main from Midland Funding stating I owe more than {$6000.00} for the same account. I was served for garnishment on the debt in approximately XX/XX/XXXX for which I requested proof of the amount for which they were stating that I owe. They merely sent a copy of the original loan amount of {$5400.00} and no records to show amount following payments that were made on the account. We went to Civil court on XX/XX/XXXX for which I had the copies of the emails with the amount that XXXX stated I owed. The Judge ordered me to meet with the Attorney representing Midland to try to reach a settlement without hearing anything from me. During this meeting, I asked how they reached the amount that they were asking and she could not explain. She tried several calculations to try to reach that amount and was not able to. She also did not have any records matching the amount that XXXX gave me prior to selling the debt. She then proceeded to say that the interest increased the amount. I then explained that Georgia only allows Debt Buyers to charge 7 % interest. And she explained that the debt was purchased from XXXX in XX/XX/XXXX. I then added that there was no way that interest caused the amount owed to almost double. She then gave me a Consent form offering a settlement amount of just over {$4800.00} and monthly payment of {$120.00}. She told me that I could turn down the offer, and go to trial but they will be seeking the full amount of {$6000.00} plus court fees if I lose. And she told me that even if I sign it does n't mean that Midland can not decide to come back for the full amount at anytime. I signed the consent to pay that amount after the attorney strategically threatened to get more money from me if I refuse this new amount. The new amount is even higher than the debt owed and I 'm not sure how she reached this amount either. I am filing this complaint because Midland filed for Judgment on a fraudulent amount, and no documentation or justification to support that amount. Also they use intimidating practices to gain agreement to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}

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 08/17/2015 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: 1. I mail my payments a little early so they get there on time. Well, they are saying that I 'm not adhering to my payment agreement. For example, if the payment is due in XXXX and the payment gets there on XXXX XXXX, they say I did not make my XXXX paymeny. 
2. I talked to a representative earlier and get told me he did not see any payments. Then he changed his story at the end of the call. 
3. A supervisor told me that the only way I could avoid these issues was to set up automatic payments and was pushy to get my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account is listed under Portfolio Recovery. I have attempted to dispute this debt, and no steps were taken on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: this company popped on my credit report. i called the company and kept going straight to voicemail and no one ever answers. it states the account was opened on   XXXX   XXXX   XXXX     and I did not open an account on this date for this type of balance with anyone. this company have stolen my identity. after reviewing this company on websites, there are numerous people they have done this to trying to collect money and is a fraudulent account on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has been harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : X/XX/17 Date spoke with credit collections : X/XX/17 I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. 


My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. 


What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. 


Thank you, 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 explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (KY).
Issue: Money was not available when promised

Complaint: Wire transfer for {$310.00} XXXX has not arrived in my Coinbase account. 

I have an account with Coinbase and have verified my bank account through their process. On XXXX XXXX, 2017 I sent a wire transfer from my bank for {$310.00} to Coinbase with their reference number XXXX which should have taken only a few days to complete. This transfer has not made it to my XXXX wallet on Coinbase. I have contacted Coinbase using their support website and opened support ticket number XXXX. On XXXX XXXX, 2017, I called Coinbase customer support and talked to " XXXX '' who informed me he would escalate my issue. XXXX also told me since the wire transfer was old, my funds would probably be sent back to my bank account. This has not happened nor has the money appeared in my Coinbase wallet. I have continually reopened the same support ticket to request a resolution but still no resolution as of today, XXXX XXXX, 2017. I have attached a copy of the wire transfer from my bank to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (NC).
Issue: Trouble during payment process

Complaint: My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.

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 05-02-2017 about Debt collection (I do not know) with PERLAND TITLE & ESCROW SERVICES CORP (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX ,   XXXX   I closed on   XXXX  se parate homes in  XXXX   XXXX , fl. The closing agency was  PERL ; AND TITLE ANS ESC ROW  SERVICES CORP,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL.  XXXX   ... the funds were wired to me after  closing.Appx  {$2400.00} was held in escrow for customary reasons . Two days after closing I was notified by my realtor the closing company stated above refused to sent my the funds from the escrow account.They claimed I was overpaid on one of the pro perties and they are holding funds from all  XXXX  properties. Each sale was independently. I was originally told seller proceeds would be {$250000.00} yet I received only appx {$240000.00}. This company is holding my escrow funds illegally. I would appreciate your assistance in resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did not authorize inquiry by XXXX XXXX XXXX on XXXX XXXX, 2016 and I suspect attempted ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On Friday,  XXXX  of  XXXX , I received a debt collection letter from   XXXX   dated  XXXX   XXXX ,   XXXX   for a  XXXX   XXXX .     I called on Tuesday,  XXXX   XXXX ,    2017 to  inquire about the collection of {$100.00}. Since my husband and son are both  XXXX   XXXX   I  wanted to know which person it was concerning and to make sure it was not a scam and to also check with my insurance company on why the payment was not paid by them. The debt representative said they could not give me any details concerning the bill because of the law forbidding access to medical records without permission. She did say that the age on record must be my son and not my husband.     I was told that my son who is 21 years of age and in college in  XXXX , CA would have to call them to give them authority to speak with me, his mother, living in Texas.     I immediately texted my son to contact them that day but having a busy class schedule and just a week from exam finals he was unable to call them on  XXXX ,  XXXX ,    2017.      I called   XXXX   at  XXXX  on  XXXX   XXXX ,    2017 b ut they did not have on file a call from my son giving authority so I still could not find out any details concerning the debt.     I reached out to my son again on  XXXX   XXXX ,    2017 and  reminded him to call them and give me the authority to investigate the debt.     Before my son had a chance to call he was contacted by  XXXX  on  XXXX   XXXX ,  2017 an d was asked if he was  XXXX   XXXX  which he replied yes. He was told that he had to pay the debt balance immediately. They asked if he had a credit card and demanded the credit card number immediately. He gave them the credit card info.     My son is only  XXXX  and has not had the experience of dealing with intimidating debt collectors and he was caught off guard as to their ruthless tactics.     Since my son is in school he does not have a job and he is covered on our insurance. For  XXXX  to require payment from him was wrong.     The  XXXX  letter dated  XXXX   XXXX ,   XXXX   said we had 30 days after receiving the notice which was  XXXX   XXXX ,  2017 to  notify the office. I contacted them twice within four business days of receiving the letter and they demanded payment on  the four business  day of recieving the letter.     What happened to the 30 days? They clearly did not give me adequate time to investigate the debt, check with my insurance or perhaps dispute the debt.     We were given no options in those four days! This is not right!       XXXX    XXXX .  XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Payments : P.O.  XXXX   XXXX   XXXX  Oh  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 explanation
Consumer complaint received 02-06-2017 about Debt collection (Medical) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collecter did n't verify collections, no contract, no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: For over a year now Navient has locked me out of their website so I could not see how my payments were being allocated. I have been making bi-weekly payments to Navient for sometime with the understanding that doing so would lessen the impact of daily accrued interest and thus reduce the principal because payments would be allocated accordingly. Back in XXXX I sent a letter to Navient asking how payments were allocated and true to form they are maximizing fees. Rather than applying my payments to the loan group they resposnded by saying they have the ability to apply accross multiple groups. So in my case on loan has an interest rate of 5.75 % XXXX V ) and the other 9.75 % XXXX V ). I have been paying more on the 9.75 % ( V ) loan but to my amazement when I logged in to view my account after it being unlocked you can see that essentially all the funds I 've sent to Navient have gone to interest only and basically none to principal. This now explains why my loan has been amoritizing negatively and the balance continues to GROW! Navient is of no help in getting payments re-allocated nor do they have any incentive to help those of us who are actively paying on our accounts. Those in my situtation have no outlet and are at the mercy of this horrific treatment and servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This company continues to report incorrect information that has been discharge and can no longer report on my credit file. I have attached supporting documents.

Company response to consumer: Closed with explanation