milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX  accounts  XXXX  and  XXXX  have appeared on my   XXXX   credit report.   I contacted Doctors Business Bureau to complain. I was advised by CFPB to ask for the name of the doctors? who claim they were not paid. I have no evidence of this debt. I have had no bills regarding this debt and Doctor 's  Business Bureau have  refused to give me information. I talked to a  XXXX   XXXX  today who hung up on me before trying to transfer me to the voicemail of her supervisor  XXXX   XXXX .     This debt should not be reported to  XXXX  if I do n't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (SC).
Issue: Managing the loan or lease

Complaint: A neighbor referred XXXX XXXX, Sears XXXX XXXX, for replacing windows. Because our XXXX yr old daughter had to move in with us after her house tested positive for MOLD + they found XXXX XXXX leak @ the time. Unaware she inhaled toxins for 7 yrs & got sick. She XXXX for this. She XXXX in humid, rainy days. Our house was built XXXX. We thought new windows would help her. We were not aware we had to pay anything upfront. XXXX said we had to open a Sears Credit Card to pay for the windows. Reluctantly we did. We have XXXX credit cards we use exclusively & could not use we were told. We explained our situation. Our expenses on fixed income high for our daughter 's medical bills, care, higher utilities. 1 day a truck pulled up in front of our house with windows. 1 man discovered that our windows, doors & trim where all white inside our house. The ones THEY brought were beige inside & out. We made it clear they had to be white on the inside & beige exterior to match the outside. XXXX did the order on his laptop, we received no copy. One man came from the attic with 1 of our windows walking out the front door. I stopped him & told him that the attic windows were not to be replaced. 
Total window where not the right number. The order was wrong. He went back up & stuck the window back in, no tools, assuring us it was safe & sealed. A few weeks ago I saw a stain on our ceiling on the 2nd floor below that attic window. After talking for a while to someone at Sears they left. XXXX XXXX was in the hospital he emailed us. He gave us XXXX XXXX XXXX XXXX whom we contacted. Nothing got resolved. We told him eventually we lost trust in Sears and wanted to cancel the entire order. He said he would. Emailed us. XXXX XXXX never contacted us. Since then we get bombarded with invoices. We talked to someone who contacted us in response to my Internet post. Nothing was resolved. I am XXXX yrs old, my husband is almost XXXX. We take care of our daughter who is XXXX 2+ yrs. Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Student loan (Non-federal student loan) with Rhode Island Student Loan Authority (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: RISLA ( Rhode Island Student Loan Authority ) provided a {$6000.00} loan which is now a {$29000.00} loan and the reporting to the credit bureau is inaccurate and does not reflect payments that are being made. I am a co-signer on the loan and can not get a mortgage loan due to the inaccurate information. For six months I have asked the lender to correct the information because the borrower is making on-time payments since 2014 ; however, the lender refuses to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Signature Performance Tiburon, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX 2015 a complaint was lodged with your agency in regards to misrepresentation of a debt I dispute and do not owe. Signature Performance Tiburon LLC was notified in Case Number : XXXX that I do not owe a debt to XXXX XXXX XXXX and that I am a Social Security recipient who is 'judgment ' proof. Signature Performance Tiburon LLC, acknowledged my request for 'cease ' communication in a response notice # : XXXX and assured me they would no longer 'harass ' me in regards to the disputed debt. On XXXX XXXX 2015 I received the same formatted letter from Signature Performance Tiburon, LLC dated XXXX XXXX 2015 referencing the same entity XXXX XXXX XXXX claiming a balance of {$20.00} dollars. Signature Performance Tiburon, LLC has left me no choice but to provide the Nebraska Attorney General 's Consumer Protection Division documentation of verification that they would no longer contact me or bother me about this issue as documented in CFPB Case Number : XXXX. Due to the response by Signature Performance Tiburon, LLC verifying their promise to leave me alone, I will be able to access monetary damages and pursue legal action against them as I will be able to prove an administrative process related to the case. Signature Performance Tiburon, LLC was sent a 'certified return receipt ' letter in reference to this matter as well. I have the actual receipt and proof of notice. It appears Signature Performance Tiburon, LLC does not believe I will pursue my civil legal rights to peaceful enjoyment of my home and phone. I can assure you I mean what I say as I have built a dossier against Signature Performance ( and XXXX XXXX XXXX ) as proof positive documentation ( and evidence ) to solidify my mission. Again, thank you CFPB for being a venue of valid documentation and evidentiary venue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against the company that holds mortgage Bay view Loan Servicing. The company is very unprofessional and is always providing incorrect information and misplacing documents. However this complaint is reference to harassing collection call. My mortgage is due on the XXXX of each month and I have a grace period till XXXX of each month. Bay view begins making collections call on the XXXX. The calls are excessive 6 -- 7 calls a day every hour on the hour. I understand that the payment is late but this has to be some form of harassment. One call and a message is appropriate. Please contact this company about their collection call process.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/X/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. Have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve the situation, and every time I call them they accuse one to another. They charged me this money ( XXXX ), but the money is nowhere to be found.

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 monetary relief
Consumer complaint received 11/16/2017 about Debt collection (Other debt) with Neuheisel Law Firm, P.C. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: None of the categories provided by the CFPB for initial input of my complaint suited the particular facts of my complaint. The specifics are : I was sued by law firm for Plaintiff to collect on debt incurred by my ex-husband. They obtained judgment against me in the amount of {$1800.00} plus interest and costs. I have been making payments at {$100.00} per month beginning in XXXX, 2016. Nearing the end of payments I reached out to pay the balance by credit card calling numbers provided on pleadings related to the judgment and on their website ( XXXX XXXX XXXX ) over multiple days. I also left several messages but never received a call back to this date. I sent a letter with 2 months worth of payments ( {$200.00} - which still has not cleared the bank ) and a letter requesting they provide me with the balance owing so I could pay it in full. I calculate I owed about {$280.00} at that time. People who owe them money are going to have difficulty paying their debt if there is no way to contact them but by snail mail and there is no way to pay the debt other than check and the resources they references they provided on their website are not functioning. I am concerned that they are trying to extend or expand the amount I owe by not accepting final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Non-federal student loan) with KEYCORP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Key Bank debt XXXX indicated that if I submitted a letter from my daughter, XXXX notarized and an admission of the debt belonging to her, they would hold her liable for the debt in which she signed for with the organization. This debt belongs to XXXX, the debt collector has it under the account numbers on my credit reports. Key Bank NA acct number XXXX and Student Loan Mkt acct number XXXX and Key Bank account number XXXX. I have submitted this information before and Key Bank still has not released liability. I have provided my signatures for the time I have. I was able to locate my mortgage document from XX/XX/XXXX, provided a signature from XX/XX/XXXX those are the only signatures I possess unless I can provide you with current signatures I had to keep searching until I found the signatures attached and forwarded them. The only other documents I have are the death documents from my son from XX/XX/XXXX. But I have continually provided the documents in which you requested so please remove liability as per your letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have had a loan with  XXXX  now Navient since  XXXX . The original loan amount was {$10000.00} after some 13 years of payments I still owe {$8400.00}.  <P/> Loan Status Repayment Repayment Plan Full Principal and Interest - Ends   XX/XX/XXXX   Repayment Start Date   XX/XX/XXXX   Estimated Payoff Date   XX/XX/XXXX   Ready to pay off this loan today? Here are the amounts : Show more information about Loan Payoff Online {$8400.00} By  U.S.  Mail {$8400.00} Unpaid Principal {$8400.00} Current Balance {$8400.00} Interest Rate 14.250 % Interest rates on private loans are set by the lender.   Interest Type Variable School   XXXX   XXXX   XXXX   Lender NAVIENT Disbursement Date  XX/XX/XXXX   Original Principal {$10000.00} I need some help, these terms are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease

Complaint: Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: Wells Fargo has been issued a judgement against my bank account in which they took money out of for a debt that is not mine. In this judgement they can match my name, address, and birthdate but not a complete match on my social security number. Since the only thing that seems to be off is the social security number they are willing to give the money to the debt collection company XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.

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 04/19/2017 about Credit reporting () with CITIBANK, N.A. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Open account with CitiMortgage  XXXX   XXXX . Account went Delinquent in or around  XXXX  or  XXXX   XXXX , which was reported to all  XXXX  major Credit Bureau pe r CitiMortgage. CitiMortgage is not r eporting the correct information to all Credit Bureau, yet ; reporting it as  XXXX . I have calle d CitiMortgage and re quested they correct this wrong information & send payment history from    XXXX   XXXX  -  XXXX   XXXX  .  It would not have taken me 2 years to be or become delinquent in payments. House was foreclose and sold  XXXX   XXXX . At the present, I am in the process of having a reinvestigation submitted on my behalf and waiting the outcome of the decision.

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 01/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Closing/Cancelling account

Complaint: As part of a divorce and bankruptcy proceedings in the Fall of XXXX, i notified XXXX XXXX XXXX that XXXX XXXX needed to be removed from the account before she filed for bankruptcy in XXXX of XXXX. Since i was no longer responsible for this account per the divorce agreement, this account was not included in the bankruptcy. I was sent a form, which my ex husband and i filled out and returned prior to her bankruptcy proceeding. 

Following the discharge of her bankruptcy late last year, I pulled her credit report. i informed my ex husband i was still on the account. During XXXX and XXXX he incurred several late payments, before paying the entire balance in XXXX XXXX The account is still reflected on my credit bureau along with the late payment behavior from my ex husband. 

My ex husband called on this initially in XXXX and was directed to a department that said this would be handled. He was told that it could take 30 days to correct. At this time nothing has been corrected. He called back and was told that they ca n't even transfer him to the correct department due to the fact that the account has been closed for too long. I was directed to address correspondence to this address. 

Barclays responded that there was not an error in reporting. They purposely have ignored court documents specifying i was no longer responsible for the account. This was communicated to them in XXXX, followed up in XXXX and then again in XXXX when i realized it was never corrected. 

i am a single divorced female with children trying to reestablish my credit after bankruptcy ( which was discharged in XXXX XXXX and should be removed from my bureau in XXXX XXXX - 7 years after filing ). The delinquencies from the credit card account i am referencing are leading to higher interest rates and increased auto insurance rates. We followed Barclays request for information and they have intentionally ignored court documents indicating i am no longer responsible for this account. I could have easily included it in the Bankruptcy in XXXX and not been responsible for the account but due to the legal documentation in the divorce papers it was not included. 

if you need divorce documents please contact me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Payday loan) with Smoky Management, LLC (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I have a payday loan at Cash Now Advance in XXXX, TN. My account went delinquent a couple of months ago when i was in the middle of switching jobs. The branch manager, XXXX, had started sending me personal messages through XXXX regarding my debt, and they called my job after being told not to. After I unfriended XXXX on XXXX, she became very upset with me and sent me XXXX very nasty threating messages. To take further action, I contacted her District Manager, XXXX. to see if we could get this problem resolved. After talking to XXXX and telling her everything that had happened, she told me not to worry she would handle it all and agreed to set me up on a payment plan telling me that if i could not make the payment just call them and they would work with me. Several days had past and I had recieved a text message to my personal phone from XXXX personal phone asking me when I would be in the store with a payment. I received XXXX text message a day for a few days from XXXX, and I had not responded, Finally, i received a text message from XXXX at XXXX, telling me that she needed a payment on my account ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : NAVIENT I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (PA).
Issue: Problems when you are unable to pay

Complaint: My Honda was reposed for the 2nd time. The first time I was behind 2 payments. The second time I was behind 1 month. I was always calling and informed them that I would catch the loan up when I received my taxes. The took the car the day I would be 2 months behind and I received my taxes and they would n't alow me to pay it up. I lost my car and now my credit with be damaged. I don ' ; t think it was fair they just took the car. I lost my job so I was struggling but I was paying them and I was only a month behind. I do not know what to do.

Company response to consumer: Closed with explanation