milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2015 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency keeps calling my cell phone with one ring everyday. when I return the toll free call ( XXXX ) to let them know that I do n't have a debt to pay and that I am a registered " do not call '' number ( XXXX ) they say they will remove my number but they keep calling ( over 6 months now ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a fairly common name, XXXX XXXX. Portfolio Recovery is calling my house multiple times a day. I 've talked to them XXXX times yet they persist in calling me. At the time of this writing, the only debt I owe is the mortgage on our house, a car payment, and a couple grand on our XXXX that we will pay off this month. This company is relentless and I do n't even owe anything! I can see how the XXXX, the XXXX, or folks who do owe a debt but ca n't pay it would be hounded by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (FHA mortgage) with Selene Finance LP (MN).
Issue: Settlement process and costs

Complaint: This is probably my XXXX complaint on this same issue. We are on our XXXX bank because our loan continues to get sold. the complaint is with Selene Financial. We were working on a loan modification which would involve taking off the mortgage an ex wife and adding XXXX names onto the mortgage. It also involved reducing our mortgage to fair market value. After months and months of paperwork and waiting we finally made a deal and got the ex wife removed, and the mortgage reduced to {$270000.00}. This was the end of XXXX 2016. The stipulation was we have to make XXXX consecutive payments of {$2000.00} and after the XXXX payment the new loan would take effect. We made our payments as instructed and the day before the XXXX payment was due we were told our loan would be sold. When asking if they can get the modification done first I was told ( see attached ) the the new loan company would honor the agreement. That was the last I was able to communicate with our negotiator at Selene Financial. I had e mailed him and tried to call him numerous times after his last e mail because I wanted to make sure they sent over all the paperwork as there is no way we should have to do it all over again. We held up our end of the bargain now Selene needed to follow through with theirs. I found it interesting that they made the deal with us the same day the loan was sold even though we were not notified it sold until XXXX XXXX ... .This actually been a two year ordeal..the bank before Selene was horrifying as well and I had made a complaint to you about them. They conveniently sold our loan to Selene before ever doing a loan mod with us. I am just beside myself and fed up. All we want is a fair market loan, and a company to follow through with their promises. We called the new bank, XXXX and they said they do n't have everything and they still have the old mortgage and the original names. Meaning nothing of the new deal that Selene promised us is in their records. What I want is our loan Mod that Selene agreed to be in place ASAP with no more paperwork! It should have just transferred over since we did what we were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (LA).
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: SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

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 09-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received an odd e-mail from Nationstar Mortgage on XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with XXXX, they have proved to be a disorganized mess. I have not received any information from XXXX about the transfer and I have not received the package that Nationstar claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by XXXX. Nationstar has not responded. I had a similar issue the first year of my mortgage ( XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX. Unlike XXXX, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach XXXX joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I   XXXX   XXXX   am entitle d to the same benefits of the  2015  modification to reporting of medical debts just as any other American consumer. In  2015 , I was involved in a near fatal work related accident. My  XXXX  insurance will eventually cover  XXXX  % of all medical claims, but while I was recuperating for ov er 18-months, severa l medical companies, hospitals and emergency services took the liberty to simply turn over medical balances to medical collectors, who in turn did not give me the benefit of a  180-day w ritten notice that after the  180-day n otice expired the balances could be reported on my credit bureaus. Every company I will post with the CFPB has violated my rights under the CFP B  XXXX - XXXX -  XXXX   XXXX   a greement of  2015 . All  medical collections  must be removed immediately by all medical debt collectors, and I must be send a 180-day notice, so my insurance can work on resolving all claims. REMOVE AL L MEDICAL COLLECTIONS  AS MANDATED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Billing disputes

Complaint: I was told to change my credit card number since I could not get the phone number for XXXX. I changed credit card numbers and Wells Fargo still let the charge go through. The charge was {$19.00}

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 09-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We closed our HELOC loan with paid in full disbursement to Wells Fargo on XXXX XXXX, 2014. However, we were charged with XXXX interest payments in XXXX 2014. Wells Fargo received the first interest payment @ {$230.00} on XXXX/XXXX/2014 ; and then, Wells Fargo received the XXXX interest payment @ {$270.00} on XXXX/XXXX/2014. We believe the dollar amount of {$500.00} for interest in XXXX month was an overcharge on our HELOC loan. Also, Wells Fargo charged us {$40.00} for the county recording of our reconveyance. However, the county fee for this service is {$14.00}. We believe we were overcharged for this fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a contract with XXXX for {$19.00} for months XXXX through XXXX and {$49.00} for months XXXX. My very first billing was for {$30.00}. I called XXXX to resolve the billing as they were in breach of contract, and received no satisfactory resolve. I was then billed for the second month for {$60.00}. Again I called, and no resolve. After receiving the incorrect billing, I called to terminate their services. To which they now tacked on an early termination fee. I have tried to resolve this matter several times, mailed them my dispute, to no resolve. I have now been sent to collections for {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit through my XXXX, my lawncare service for applications and I had a XXXX application on my lawn that would cover the cost. Even with the credit, XXXX called about the debt and recently received a collection notice, even though I had a credit that was in excess of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (IA).
Issue: Managing the loan or lease

Complaint: Here is a detailed description of the issue. 

First, I never recieved confirmation of the loan, the payments expected, or the like. I had to contact them to get this information. I felt it was too expensive so I did what I could to solve my issue. 

On XX/XX/XXXX, I checked my online account with big picture loans. The payoff was listed as {$660.00}. I called and was quoted a payoff of just under {$630.00}. I recorded the authorisation to debit my account and pay this balance. 

About half an hour later, I recieve a voicemail to call big picture customer service. I called and was told I had been given the incorrect amount and my payoff amount was actually just under {$670.00}. I protested and was told, " sorry, the previous representative was in error ''. I asked why the online amount was different. I was told it was old information. I requested a supervisor. The supervisor insisted that the payoff was correct at just under {$670.00}. I told him it was extortion. In the end, to terminate the issue, I had to record a second authorization for the withdrawal of their " corrected '' balance. I made it clear that I felt this was wrong and only did so to end the matter. 

After the call, I returned to the website. Their " correct '' payoff balance still does not show. I 've trained a screenshot of the website that I accessed after this phone conversation. 

Upon advising the company that I was escalating my comlaint through consumer channels, I was told by big picture that the payoff was stopped and the matter would be investigated. However the withdrawal of {$670.00} processed out of my account on XX/XX/2017. 

I hope you can help me make sure others dunt face this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LENDMARK FINANCIAL SERVICES (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. 
It would be greatly appreciated if you all could assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with ERC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: R S CLARK COLLECTION AGENCY put a negative item on my credit. I had insurance. This agency did not contact me before putting anything on my credit. R S Clark is not bonded to collect in the STATE OF TEXAS. I sent them a validation request. They never did validate the account, but they continue to report this inaccurate information on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (I do not know) with High Point Asset Inc (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: High Point Asset at XXXX keeps calling my cell phone. They are asking for someone who I do not know and have never heard of. It is a robo-call and it says that they are calling for a " person of interest. '' They will not stop calling. I have tried calling them and they will not stop. They are located in XXXX, New York and will only provide an address of XXXX. XXXX XXXX at zip code XXXX with a fax number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Other debt) with The CBE Group, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a {$400.00} utility bill in my name and its at a place i dont live. The bill is not mine. 

It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Portfolio Recovery Associates  has placed a derogatory mark on my Credit Report without mailing me any information about this alleged debt. I have made numerous attempts to contact them to resolve this, Including several phone calls to several of their offices as well as over  10 letters sent via USPS.      When I call in and try to get more information regarding this account, I am transferred to numerous different people in different positions of the company, Including  2 dif ferent " Operations Managers ''. I have even tried to reach out to th eir Compliance officer via  mail to no avail.     After making no progress with phone calls, and no replies to any of my letters, I am forced to get the BBB and the CFPB involved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation