milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Prepaid card (Other special purpose card) with WELLS FARGO & COMPANY (TX).
Issue: Fraud or scam

Complaint: Someone used my information go to apply for credit card

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed a XXXX credit card about XXXX to XXXX time with experian and XXXX I have also informed them that this account does not belongs to me. and got no place now XXXX is now reporting that the account is paid as agreed I dusputed once again asking them to investigate the account that I have no knowledge in what so ever also asked them to provide proof of who is making payments on this account but once again they both replied back to me as the account belongs to me. I mean in all fairness experian and XXXX should be able to provide me whatever result that XXXX provided them which to verify this account! I have file a complaint with the office of comptroller of currency on XXXX. I feel if the credit reporting company have said that they have investigated this they should be able to provide what type documents was use to verify this account in this case in which i have asked both reporting agencies at the start of their investigation was to provide me proof of any cashed checks, money order or whatever method of payments thats been used. both keep replying back that the account was verified and belonging to me. I have asked them verbally and in certified us mail to please send me copies and all I get is a verify as belonging to me. I want answer or my next step with to contact an attorney at law ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Midland Funding. They have a judgment against me. I asked them for information verifying what the judgment is for. They just run in circles, asking me if I am disputing the debt. I tell them I do not know whether to dispute it or not that I need more information. They say I can either accept the debt and get the amount owed or I can dispute it. I tell them I need something to show me the debt, what is was for etc. They only have the judgment and if they send me the judgment they ca n't send me the amount owed. If I ask for the amount owed, I guess I am saying that I owe the debt. They wont let me verify the debt with out disputing it. I do n't want to dispute something that may be valid. They just keep speaking in circles in XXXX. The CSR was hard to understand but was not helping me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX, XXXX, XXXX XXXX XXXX .... The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after XXXX XXXX, XXXX, XXXX XXXX to notify me about reporting derogatory info. to XXXX XXXX  and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under  subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days afterXX/XX/XXXX furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX, XXXX, XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to  placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX XXXX, XXXX, XXXX XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with CRA Collections, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt validation request sent to collections agency Revenue Collect asking for proof of medical bill and break down of charges, along with my signature. Debt collection agency replied with personal information violating HIPPA rights.

Company response to consumer: Untimely response
Consumer complaint received 02-06-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (FL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX I purchased an used XXXX Chervolet Cruze from XXXX XXXX XXXX. The dealership took advantage of the situation by quoting me a rate but putting another on the contract and hurrying me so sign it because it was time to close. They gave me no opportunity to review my contract thoroughly otherwise I would n't have signed it since it did n't state the terms we had agreed upon. Now, more than a year later I started realizing the principal balance on my loan was not getting any lower. I contacted the lender US Bank for a copy of it so I could finally review it. Upon reviewing it I come to find out I have been paying 7.99 % interest rate when I was quoted a 4.9 % at the dealership. I immediately contacted US Bank by phone and spoke to XXXX who was beyond rude, nasty and unprofessional. She repeadly verbally abused me and screamed at me on the phone, saying I was n't understanding what a loan was. I asked her more than 5 times where in the loan said that I had to pay extra interest if my payment was late, because on the truth in lending disclosures states the amount you will pay for the life of the loan. US bank should be proud because they have a employees who are trained to defend their unethical and unacceptable business practices. I feel offended by the way I was treated and by the way US Bank is draining every penny in my pocket with those outrageous fees that they do n't tell you about. While on the phone with XXXX I asked her to provide me with the disclosures that states I would be liable for any extra interest rate if my payments are late aside from the XXXX % late fee they charge, and she never answered by question constantly atacking me saying I did n't know what a loan was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The refuse to take any action to remove the fraudulent account.

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 non-monetary relief
Consumer complaint received 05/19/2015 about Debt collection (Non-federal student loan) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. 
I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il XXXX

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

Complaint: It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX NEEDS TO UPDATE THEIR CREDIT REPORT TO SHOW THAT ACCOUNT XXXX XXXX XXXX HAS BEEN CLOSED. CAR WAS PAID OFF XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mother XXXX in XXXX with a reverse mortgage from Wells Fargo. I was assigned a " Loan Specialist '' ( by mail ) and tried several times to speak with her, left several messages and NEVER got a called returned. I waited for 2 months. The letter they sent clearly says I have 6 months to ignore, keep or sell the house. Now that I have the house on the market I FINALLY got some XXXX on the phone and I am told that the house has been referred to foreclosure attorneys! I have sent in every paper and document they asked for before the deadline ( which I would have known about sooner if anyone had returned a phone call ) and I am told that there is no way to stop foreclosure proceedings. I was missing the listing agreement but I was not told about that until I called them to ask why I am not being notified about anything. I immediately sent it in. Since I asked for an extension I was told they will probably grant it and that will hold the foreclosure but how am I going to sell a house if potential buyers find it is " in foreclosure ''? I believe I have done everything they have asked me to do, provided every document, yet foreclosure proceedings have begun and I was told there is no way to reverse it. They have been non-communicative and I have had to drag out every bit of information and now I am incurring foreclosure fees for a house I am trying to sell. I am trying to do the right thing and sell the house so everybody gets their money, but they are making it very difficult. My " specialist '' has never heard my voice, I have to deal with the 'home preservation ' people and it is difficult enough to mourn the loss of my mother without having to fight to sell her home. I now understand why Wells Fargo sustains such horrible PR. They seem to be indicating that they would rather I just walk away from the house then try to to what is right. This is not how, as the letter states, they show they are " committed to helping you through the process and making it the best experience possible ''.

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 09-10-2015 about Credit card () with PNC Bank N.A. (OH).
Issue: Transaction issue

Complaint: I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAD MY BUSINESS FALL APART DURING THE RECESSION I WAS JUST GETTING ON MY FEET FINANCIALLY WHEN I XXXX WORKING I WAS ABLE TO GET A LOAN MODIFICATION ON MY FIRST MORTGAGE THROUGH XXXX AND HAVE BEEN CURRENT EVER SINCE. BUT I APPLIED FOR A LOAN MODIFICATION ON MY SECOND MORTGAGE THROUGH MAKING HOME AFFORDABLE AND CHASE BANK AND HAVE BEEN DENIED MORE THEN 5 TIMES WE HAVE BEEN DUAL TRACKED MOST OF THESE TIMES HAVING A SALE DATE AND LOAN IN UNDERWRITING AT THEM SAME TIME. THAT IS CLEARLY AGAINST CALIFORNIA LAW. WE GET TURNED DOWN FOR TO MUCH INCOME, THEN NOT ENOUGH INCOME THEN ASKED TO REAPPLY. WE WANT TO KEEP OUR HOME WE CAN NOW AFFORD A PAYMENT I AM A XXXX VETERAN AND ITS BEEN ALMOST 3 YEARS SINCE OUR FIRST SUBMISSION I JUST SUBMITTED AGAIN YESTERDAY PLEASE HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
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: I have disputed the fraudulent accounts listed on my Equifax Credit report multiple times - I was a victim of identify fraud years ago and discovered them - not to mention a victim of both Equifax and XXXX 's information breaches. I obtained a police report, provided my identification, and my proof of address and submitted disputes to XXXX, XXXX   and Equifax. It did take some time but after months of verification, reinvestigation and working together with the credit reporting agencies, both XXXX and XXXX   removed the bogus fraudulent information and corrected all of the errors on my report. Equifax who have all the exact same information on the errors have deleted non of the error from my report. Therefore, XXXX  shows me with excellent credit and a FICO score of XXXX, XXXX shows me with excellent credit and a FICO score of XXXX and Equifax shows me with very poor credit with a FICO score of XXXX. 
I will be retiring soon and found the errors as I started to prepare to sell my real estate property to look to by a retirement property and discovered I had to delay until I clean this mess up. Equifax if harming me in an unmeasurable way. They were the most reckless with my personal information and are now making it impossible to clean up their mess. They should be fined and in fact prevented from handling any ones personal credit information all together.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Incorrect information on your report

Complaint: Ditech has allowed the title on XXXX XXXX XXXX # XXXX XXXX NY XXXX to persist as clouded, with an outstanding incorrect lien of $ XXXX which needs to be removed so we can sell our home which sale was supposed to close two months ago. Ditech has a fiduciary duty to service the mortgage and clean the title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Payday loan debt) with BTH Management (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: PLAZA SERVICES # XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2017 Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$700.00} Date Updated : XX/XX/2017 Original Amount : {$700.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Dear Consumer Financial Protection Bureau : I am disputing the collection account noted above. I have never received any communication from this company. I have reached out to the original creditor, XXXX XXXX XXXX asking them to provide documentation of this debt and have not even received a return phone call. 

Under the Fair Debt Collections Act, I should have been given an opportunity to reach out to the collection agency and dispute this debt before it was entered on my credit report. Since Plaza Services, nor XXXX XXXX XXXX, contacted me I did not have an opportunity to validate and dispute this debt. 

Please have this item deleted from my credit report. Once I was made aware of this entry on my credit report, I contacted the collection agency, Plaza Services, and they could not provide me any information over the phone. I asked the representative to send me documentation showing they are authorized to collect and to verify how I owe this debt and they refused. I am seeking your assistance to please verify the existence of this debt and any correspondence this company provided prior to this entry being entered on my credit report. 

It was recommended by the Indiana Secretary of State 's Office to reach out to you for help with this matter as it potentially violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Regards, XXXX XXXX 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